Prawo Asekuracyjne最新文献

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About the Mutuality Principle in Insurance – an Attempt at Reinterpretation 论保险中的互惠原则——重新诠释的尝试
Prawo Asekuracyjne Pub Date : 2022-08-15 DOI: 10.5604/01.3001.0015.9303
Paweł Machulak, Jakub Sewerynik
{"title":"About the Mutuality Principle in Insurance – an Attempt at Reinterpretation","authors":"Paweł Machulak, Jakub Sewerynik","doi":"10.5604/01.3001.0015.9303","DOIUrl":"https://doi.org/10.5604/01.3001.0015.9303","url":null,"abstract":"The operation of mutual insurance companies is based on the mutuality principle in providing their members with insurance. In Polish legal doctrine, the mutuality principle has been mainly associated with the non-final nature (amount) of the premium. It has been even indicated that there is no obligation to pay a fixed premium in mutual insurance. The article analyses whether such an understanding of the principle of mutuality is confirmed by the regulations in force and whether it is factually consistent with the current interpretation of this rule. Moreover, an attempt has been made to identify the key features of the principle of mutuality.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128856313","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Gloss to the Judgment of the Court of Justice of the European Union of 21 December 2021 C-428/20 on the Method of Determining the Amounts Guaranteed in National Law while Increasing Them Following an Amendment to a Directive 对欧盟法院2021年12月21日第C-428/20号关于确定国内法中担保金额同时在指令修正案后增加其金额的方法的判决的注释
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.7925
Marcin Orlicki
{"title":"Gloss to the Judgment of the Court of Justice of the European Union of 21 December 2021 C-428/20 on the Method of Determining the Amounts Guaranteed in National Law while Increasing Them Following an Amendment to a Directive","authors":"Marcin Orlicki","doi":"10.5604/01.3001.0015.7925","DOIUrl":"https://doi.org/10.5604/01.3001.0015.7925","url":null,"abstract":"The gloss refers to the judgment of the Court of Justice of the European Union of 21 December 2021 in Case C-428/20. According to this judgment, Member States which have availed themselves of the option to determine a transitional period, with this option having been provided for in EU legislation on compulsory insurance against civil liability in respect of the use of motor vehicles, are obliged to require that the minimum amounts guaranteed in motor third party liability insurance contracts concluded before the lapse of the transitional period but still in force on that date have the amount required by EU law","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"40 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115704213","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
"Good Practices in Brokerage Activity" – Selected Dilemmas “证券业的良好实务”-两难选择
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.8054
J. Pokrzywniak
{"title":"\"Good Practices in Brokerage Activity\" – Selected Dilemmas","authors":"J. Pokrzywniak","doi":"10.5604/01.3001.0015.8054","DOIUrl":"https://doi.org/10.5604/01.3001.0015.8054","url":null,"abstract":"The article examines the publication \"Good Practices in Brokerage Activity\" published in 2021 by the Association of Polish Insurance and Reinsurance Brokers. The project aims to update good practices in the brokerage activity (hereinafter: Good Practices) and should be considered a positive initiative, because the existing Broker's Code of Ethics which was adopted on 23 May 2013 as well as the Principles of Good Practices and Cooperation of Insurance Brokers and Insurance Companies published in 2000 do not solve all problems which the market is currently facing. In addition, brokerage activity has been scarcely regulated under private law. Given the above, established customs and principles of social coexistence are particularly important for brokerage services in connection with Article 56, Article 65 § 1 and Article 354 of the Polish Civil Code.\u0000Not only do the draft Good Practices refer to the conduct of brokers, but they also contain a number of standards of conduct meant for insurance companies. As a result, this document ought to be acknowledged by insurance undertakings (their professional associations). On the other hand, it should be emphasized that Good Practices will not be binding on brokers who are not members of the Association of Polish Insurance and Reinsurance Brokers. \u0000Although Good Practices contain a lot of recommendations that deserve an unequivocally positive assessment, there are some provisions therein that may provoke controversies. The purpose of the article is to draw attention to the provisions which may require further work and discussion.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"93 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134235856","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Gloss to the Judgment of the Court of Justice of the European Union of 29 October 2021 (Request for a Preliminary Ruling from the District Court in Opatów – Poland) HG and TC v. the Insurance Guarantee Fund, Case C-688/20 对欧盟法院2021年10月29日判决(要求波兰Opatów地区法院作出初步裁决)HG和TC诉保险保证基金案C-688/20的注释
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.7926
Aleksander Raczyński
{"title":"Gloss to the Judgment of the Court of Justice of the European Union of 29 October 2021 (Request for a Preliminary Ruling from the District Court in Opatów – Poland) HG and TC v. the Insurance Guarantee Fund, Case C-688/20","authors":"Aleksander Raczyński","doi":"10.5604/01.3001.0015.7926","DOIUrl":"https://doi.org/10.5604/01.3001.0015.7926","url":null,"abstract":"The publication is an approving gloss to the judgment of the Court of Justice of the European Union of 29 October 2021 in Case C-688/20, HG and TC v. the Insurance Guarantee Fund. The judgment addresses two important issues: on the one hand, the scope of compulsory insurance against civil liability in respect of the use of motor vehicles in accordance with the first paragraph of Article 3 of Directive 2009/103 and, on the other hand, the relationship between EU legislation (in this case directives) and national regulations.\u0000In the context of the compatibility of the criteria for the existence of an insurance obligation under the first paragraph of Article 3 of Directive 2009/103 (5th Motor Directive), the Court of Justice upheld the earlier line of case-law in a logical and consistent way, by referring to the formal condition that a vehicle is registered and roadworthy in accordance with the national legislation in force.\u0000That judgment indicates the discrepancy between national and EU legislations in terms of the conditions for compulsory insurance. Although Article 23(1) of the Law on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau links the insurance obligation with the mere fact of a vehicle ownership, the interpretation of the first paragraph of Article 3 of Directive 2009/103 presented by the Court of Justice allows for the exemption from that obligation in the event of formal deregistration of a vehicle or its withdrawal from use under relevant national regulations. Nevertheless, the existence of such discrepancy is not an objection to the commented judgment. It is the role of the Court of Justice to ensure that EU legislation is interpreted in an autonomous and uniform manner throughout the European Union.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"11 6","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113932402","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Personal Data Transfers Outside the European Economic Area in the Insurance Sector Context 保险行业背景下欧洲经济区以外的个人数据转移
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.7924
Piotr Czulak
{"title":"Personal Data Transfers Outside the European Economic Area in the Insurance Sector Context","authors":"Piotr Czulak","doi":"10.5604/01.3001.0015.7924","DOIUrl":"https://doi.org/10.5604/01.3001.0015.7924","url":null,"abstract":"The article aims to cite and synthetically analyse key regulations in the field of personal data transfers outside the European Economic Area, taking into account the specificity and requirements of the insurance sector. It covers both national and European legislations, recent case law, guidelines of competent authorities as well as relevant industry standards. It also identifies the key risks for personal data controllers, particularly in the context of the Schrems II case and related requirements defined in the guidelines of the European Data Protection Board. In addition, it presents general recommendations on best practices related to the adequate protection of personal data transfers for the insurance sector entities.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114815463","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Distribution of the Burden of Proof in the Claim Settlement Procedure in Voluntary Business Third Party Liability Insurance 自愿商业第三者责任保险理赔程序中的举证责任分配
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.7923
Jacek Woronkiewicz
{"title":"Distribution of the Burden of Proof in the Claim Settlement Procedure in Voluntary Business Third Party Liability Insurance","authors":"Jacek Woronkiewicz","doi":"10.5604/01.3001.0015.7923","DOIUrl":"https://doi.org/10.5604/01.3001.0015.7923","url":null,"abstract":"The article is an attempt to analyse the legal standing of the policyholder, the insurer and the injured party in the context of an obligation to collect evidence at the stage of the claim settlement procedure as part of handling claims under voluntary third party liability insurance contracts concluded by entrepreneurs. It is important to establish the limits of the obligations of the insurer, the policyholder and the injured party in the claim settlement procedure, and in particular to consider the property interests of the insured entrepreneur in relation to the interests of the injured party. The article examines the insurer’s role in ascertaining facts of the case and conducting a legal assessment, as well as in obtaining material evidence necessary to handle claims of injured parties pursued against the insured entrepreneur and the third party liability insurer. In addition to discussing the application of Article 6 of the Polish Civil Code in the claim settlement procedure, the article addresses the objectives and functions of business third party liability insurance in the context of evidence collecting and weighing. Furthermore, the author considers the legal standing and scope of the insurer's activity in cases where the injured party has instituted court proceedings.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"41 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115806488","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Key Problems of Customers in the Era of COVID-19 Pandemic – Insurance Market Diagnosis 新冠肺炎大流行时代客户的关键问题——保险市场诊断
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.7922
Dorota Maśniak, Aleksandra Gnas
{"title":"Key Problems of Customers in the Era of COVID-19 Pandemic – Insurance Market Diagnosis","authors":"Dorota Maśniak, Aleksandra Gnas","doi":"10.5604/01.3001.0015.7922","DOIUrl":"https://doi.org/10.5604/01.3001.0015.7922","url":null,"abstract":"The article aims at presenting selected issues related to customers’ problems which have become apparent in the era of COVID-19 pandemic. The authors seek to answer the question about the way the pandemic situation has influenced the scope of insurance coverage offered by insurance undertakings. Accordingly, they pay particular attention to the attempts made by insurers to expand insurance coverage by introducing pandemic-related provisions into the GTC. The analysis focuses on types of insurance that relate to risks which are of vital importance during the pandemic and to the restrictions introduced as a result thereof (travel insurance, life insurance and BI insurance). As the research covers the current situation, the article is a preliminary diagnosis indicating problems which ought to be thoroughly examined in the future\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128305754","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Additional Forms of Retirement Savings under the Third Pillar of the Polish Retirement Protection System 波兰退休保护制度第三支柱下的其他退休储蓄形式
Prawo Asekuracyjne Pub Date : 2022-03-30 DOI: 10.5604/01.3001.0015.8053
M. Szczepańska
{"title":"Additional Forms of Retirement Savings under the Third Pillar of the Polish Retirement Protection System","authors":"M. Szczepańska","doi":"10.5604/01.3001.0015.8053","DOIUrl":"https://doi.org/10.5604/01.3001.0015.8053","url":null,"abstract":"The purpose of the article is to present the additional forms of retirement savings under the third pillar of the Polish retirement protection system as well as in the broader context of the national pension insurance system, taking into consideration legal regulations concerning pension benefits paid by the Polish Social Insurance Institution (ZUS). The author synthetically discusses various schemes operating in the third pension pillar (EPS, IRA, IRPA and ECP), and analyses the adequacy of the adopted solutions in the light of the basic aim of this system which is to complement benefits paid under the national pension system. In addition, benefits paid out to the participants to the third pillar schemes are discussed in detail in the context of the overall objective of the third pillar.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133061973","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Monetary Compensation for Violating Family Ties with the Immediate Family Members of the Injured Party under the new Article 4462 of the Polish Civil Code 根据新的《波兰民法典》第4462条对违反与受害方直系亲属关系的金钱赔偿
Prawo Asekuracyjne Pub Date : 2021-12-29 DOI: 10.5604/01.3001.0015.6034
M. Serwach, Marcin Orlicki
{"title":"Monetary Compensation for Violating Family Ties with the Immediate Family Members of the Injured Party under the new Article 4462 of the Polish Civil Code","authors":"M. Serwach, Marcin Orlicki","doi":"10.5604/01.3001.0015.6034","DOIUrl":"https://doi.org/10.5604/01.3001.0015.6034","url":null,"abstract":"The article investigates the background, contents, methods of interpretation as well as consequences of the newly adopted Article 4462 of the Polish Civil Code. The authors conduct a critical analysis of the provision by indicating numerous doubts that have not been resolved by the legislator when introducing it to the Civil Code. What seems particularly doubtful is the relationship of the provision with regulations in force relating to the possibility of awarding financial compensation to persons indirectly injured and the principle of applying this provision to the state of events that occurred prior to its entry into force date.\u0000\u0000","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122104147","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Property Development Guarantee Fund – New Measures to Protect Purchasers of a Residential Unit or a Detached House 物业发展保证基金-保障住宅单位或独立屋买家的新措施
Prawo Asekuracyjne Pub Date : 2021-12-29 DOI: 10.5604/01.3001.0015.6036
W. Majewski
{"title":"Property Development Guarantee Fund – New Measures to Protect Purchasers of a Residential Unit or a Detached House","authors":"W. Majewski","doi":"10.5604/01.3001.0015.6036","DOIUrl":"https://doi.org/10.5604/01.3001.0015.6036","url":null,"abstract":"The article discusses the purchase of residential premises or single-family houses on the primary market and the rules of consumer protection in the event of the developer’s bankruptcy or other difficulties encountered while transferring the ownership of such real properties. The author presents the way that led to the adoption of new regulations of the Act on the Protection of the Rights of Purchasers of a Residential Unit or a Detached House and on the Property Development Guarantee Fund, passed in May 2021. A major change resulting from the adoption of the new regulations is the establishment of the Property Development Guarantee Fund within the Insurance Guarantee Fund, whose role will be to provide buyers with comprehensive protection as well as certainty that all funds deposited on the residential trust accounts are recovered in the event of the withdrawal from the property development agreement or the developer’s bankruptcy. In addition, the article discusses the operation principles of the Property Development Guarantee Fund as well as the rights and obligations of the participants of the property development market.","PeriodicalId":277138,"journal":{"name":"Prawo Asekuracyjne","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116354261","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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