It is registered
Ministry of Justice
Republic of Moldova
of May 12, 2009 No. 679
of April 9, 2009 No. 19/11
About approval of the Regulations on Fonda of protection of the victims of accidents
For the purpose of execution and application of provisions of Art. 33 of h (2) and h (4) the Law No. 414-XVI of 22.12.2006 "About obligatory civil liability insurance for the damage caused by vehicles" (The official monitor of the Republic of Moldova, 2007, No. 32 - 35, the Art. 112), based on Art. 1 of h (1), the Art. 3, Art. 4 of h (1) and h (2), Art. 8 of the item b), Art. 21 of h (1), Art. 22 of h (1) and h (2) the Law No. 192-XIV of 12.11.1998 "About the National commission on the financial market" (it is repeatedly published in the Official monitor of the Republic of Moldova, 2007, No. 117-126BIS) and the item of 5 subitems of b), item 7.3 of subitem of c) the Regulations about the organization and functioning of the National commission on the financial market approved by the Resolution of the National commission on the financial market No. 48/5 of 27.09.2007 (The official monitor of the Republic of Moldova, 2007, No. 157-160, the Art. 587), The national commission on the financial market Decides:
Approve Regulations on Fonda of protection of the victims of accidents it (is applied).
Chairman of the National commission
on the financial market
Mikhail Chibotaru
Appendix
to the Resolution of the National commission on the financial market No. 19/11 of April 9, 2009
1. The regulations on Fonda of protection of the victims of accident (further - the Provision) establish procedure for forming, use and administration by National bureau of insurers of vehicles of the financial resources accumulated by Fund of protection of the victims of accident.
2. The fund of protection of the victims of accident (further - Fund) is established for protection of persons, injured incidents made by vehicles which owners did not sign agreements of compulsory third party car insurance for the damage caused by vehicles (further - internal compulsory third party car insurance) or which were not established and/or acquired in the illegal way.
3. It is considered motor transportation incident which responsible remained unspecified, direct collision of the vehicle with injured person or with the damaged property then responsible left the scene.
4. The fund is created of compulsory contribution of the insurers having license for activities in the field of obligatory internal car responsibility insurance. The amount of fee constitutes 2% of the insurance premiums got from obligatory internal car responsibility insurance.
5. The fee is listed by insurers monthly, to the 25th of the following for reporting month, on the bank account of National bureau of insurers of vehicles opened in one of the commercial banks having permission of National Bank of Moldova and intends for accumulating of financial resources of Fund.
6. The fees translated by insurers carry over National bureau of insurers of vehicles and do not return to insurers.
7. In case of insufficiency of financial resources for payment of insurance indemnities to injured persons, the size of fee of insurers established in item 4 of this provision can be increased to 5% of the amount of the insurance premiums got (added) by insurers of internal motor vehicle liability.
8. If, proceeding from the confirmed calculations, sufficient accumulating of means for accomplishment of obligations of Fund is established, the National commission on the financial market can dispose about reduction of size of fee or about suspension of contribution payment by insurers.
9. Increase, reduction of the size of fee, suspension of payment is performed based on the resolution of the National commission on the financial market issued according to the Law No. 192-XIV of 12.11.1998 "About the National commission on the financial market" (it is repeatedly published in the Official monitor of the Republic of Moldova, 2007, No. 117-126BIS).
10. The financial resources which arrived in Fund intend for payment of compensations in case of bodily harms or death if the vehicle or responsible for incident remained unspecified, and also in cases of damage or destruction of property and bodily harms or death if the owner (user) of the vehicle responsible for incident making did not sign the agreement of obligatory internal car responsibility insurance or the vehicle was acquired in the illegal way.
11. If the owner of the vehicle responsible for incident making did not sign the agreement of obligatory internal car responsibility insurance, from fund compensation both for material damage, and for bodily harms or death is provided to injured persons. In such cases, there will be at the expense of injured person unconditional franchize in the amount of 2500 lei which can be collected from the perpetrator according to the current legislation.
12. The size of the damage caused to persons which were injured owing to motor transportation incidents is established in strict accordance with provisions of the Law No. 414-XVI of 22.12.2006 "About obligatory civil liability insurance for the damage caused by vehicles" (The official monitor of the Republic of Moldova, 2007, No. 32-35, the Art. 112) and the acts issued in pursuance of this law.
13. Compensations for the damage caused owing to the same motor transportation incident the exceeding maximum limits of compensation set in article 14 of the Law on obligatory civil liability insurance for the damage caused by vehicles are not paid.
14. Any person who somehow indemnified loss to injured persons or, based on the signed agreements, provided them certain services in connection with the suffered damage, cannot require expense recovery by the financial means accumulated by Fund.
15. Have no right to compensations from financial resources of Fund of person which are of own will in the vehicle guilty of incident making if these persons knew that the owner of the corresponding vehicle has no the policy of obligatory internal car responsibility insurance or that the vehicle was acquired in the illegal way, and also persons who at the time of making of motor transportation incident have opportunity to indemnify themselves loss due to voluntary insurance.
16. The physical persons and legal entities considering that they have the right to compensations from fund submit the application for payment of compensation to National bureau of insurers of vehicles.
17. The documents constituted in case of motor transportation incidents and provided in part are enclosed to the application for payment of compensation without fail (3) article 21 of the Law on obligatory civil liability insurance for the damage caused by vehicles from which follows depending on case that the author of incident remained unspecified or that the owner of the vehicle guilty of incident making, for date of making of incident, had no the policy of obligatory internal car responsibility insurance.
18. Business management about damage on which compensations from fund shall be paid is performed by National bureau of insurers of vehicles in the conditions of the Law on obligatory civil liability insurance for the damage caused by vehicles.
19. Person guilty of incident making, and also person or persons responsible for compensation of damage are notified by National bureau of insurers of vehicles to the address specified in the submitted documents on participation in establishment and assessment of damage, and also on the size of compensation and on terms of its payment.
20. In time no more than 90 days from the date of the notification on damage, at the same time without abusing unreasonably this term, the National bureau of insurers of vehicles shall pay compensation to injured persons or if it is determined that conditions for receipt of compensation from Fund are not satisfied or there was no opportunity to completely assess damages, to send them the reasonable answer.
21. If before the expiration specified in Item 20, damages it was assessed only partially, the National bureau of insurers of vehicles shall pay to injured persons the estimated part of damage.
22. In case of non-execution of the obligations provided in Item 20, National bureau of insurers of vehicles shall pay penalty fee to injured persons in the amount of % 0,1 from the put and not paid compensation for each day of delay.
23. The financial resources accumulated by Fund are administered and used for designated purpose by National bureau of insurers of vehicles.
24. Expenses on forming, use and administration of fund become covered from income gained from investment of financial resources of Fund.
25. Available financial means of Fund are placed in bank deposits, government securities, treasurer certificates, bonds and other financial instruments from this category.
26. The national bureau of insurers of vehicles shall use available financial means of Fund for income acquisition with observance of prudential regulations, considering the following:
a) in government securities all available financial means of Fund can be placed;
b) in bank deposits all available financial means of Fund provided that in one bank more than 35% of their total amount will not be placed can be placed.
27. The national bureau of insurers of vehicles shall keep separate financial accounting of the fees listed by insurers in Fund.
28. Budget surplus of Fund for the end of each financial period passes to the following financial period and is used on the same purposes.
29. The national bureau of insurers of vehicles quarterly represents to the National commission on the financial market, to the 25th following reporting quarter, the report on the fees listed by insurers in Fund on payments of compensations and about the made recourse actions according to appendix No. 1 to this Provision.
30. Payment of compensations is performed only from available financial means of Fund, without use in these purposes of the personal or real estate belonging to National bureau of insurers of vehicles.
31. Officials of National bureau of insurers of vehicles exercise control of financial resources based on the principles of transparency and shall not allow any subjective approaches in settlement process of case on damage. Persons stated above, in the course of execution of the obligations, bear civil, administrative and criminal responsibility for perhaps caused damage or for the allowed violations.
32. The right of persons which were injured owing to motor transportation incidents in which the vehicle and/or the author of incident remained unspecified or the owner (user) of the vehicle, for date of making of incident has no the policy of obligatory internal car responsibility insurance or the vehicle was acquired in the illegal way, are performed in relation to National bureau of insurers of vehicles.
33. Compensation from available funds of Fund based on the judgment is paid to the injured persons who submitted to degree of jurisdiction claim against person (persons) responsible for compensation of damage. In such cases the National bureau of insurers of vehicles acts as the third party as the guarantor of the obligation on compensation, in limits and in the conditions provided by the existing legal acts.
34. After payment of insurance indemnities the National bureau of insurers of vehicles receives substitution of powers on the rights of injured persons.
35. The national bureau of insurers of vehicles can show, within the paid insurance indemnity, the recourse action in relation to persons responsible for damage, and, depending on case, for the expenses connected with production and liquidation of claims on compensation namely:
a) to person or persons responsible for compensation of damage, in case of incidents in which the owner (user) of the vehicle has no the policy of obligatory internal car responsibility insurance or the vehicle was acquired in the illegal way;
b) to the insurer of internal motor vehicle liability of person or persons responsible for compensation of the damage revealed in the course of the investigation made after payment of insurance indemnity.
36. Person or persons responsible for damnification shall compensate Fonda compensation paid to injured person and also compensate to National bureau of insurers of vehicles and the expenses connected with production and liquidation of claims on compensation.
37. If as a result of investigation the author of incident was revealed, and his insurer does not acknowledge internal motor vehicle liability validity of the agreement on obligatory internal car responsibility insurance, the National bureau of insurers of vehicles starts production and liquidation of the corresponding claims on compensation. If further by degree of jurisdiction it is determined that the insurer of internal motor vehicle liability shall pay insurance indemnity, the last shall return to Fund compensation paid to injured person and also compensate to National bureau of insurers of vehicles and the expenses connected with production and liquidation of claims on compensation.
38. Realization of the debit right provided in Item 35, is performed under the mutual agreement or other allowed method according to the legislation.
39. Claims on compensation on which the National bureau of insurers of vehicles and which shall be satisfied from financial resources of Fund is informed and also those which on the date of entry into force of this provision are in process of consideration will be permitted according to legislation provisions in the field of the compulsory third party car insurance valid for date of making of motor transportation incident.
40. Before the expiration of each payment due date established in Item 5 of this provision insurers, representatives to be engaged in obligatory civil liability insurance for the damage caused by vehicles submit to National bureau of insurers of vehicles the report on the arrived awards on obligatory internal car responsibility insurance corresponding to the period for which they shall list fee in Fund, and also about debts on fees, according to appendix No. 2 to this Provision.
41. The report specified in Item 40, joins information from accounting and operational accounting which conducting is obligatory for insurers of internal motor vehicle liability according to provisions of article 38 of the Law on obligatory civil liability insurance for the damage caused by vehicles.
42. The national bureau of insurers of vehicles creates and provides maintaining the magazine of the cases on damage which are under consideration and the magazine of recourse actions.
43. The national bureau of insurers of vehicles will take adequate measures for the purpose of the notification of citizens on existence and purpose of Fund.
to Regulations on Fonda of protection of the victims of accidents
ОТЧЕТ
о поступлении / использовании
средств Фонда защиты жертв аварий
за период 1 января 20__ - __ __________ 20___I. Премии, поступившие в отчетном периоде
- леев -
+-----------+---------------+---------------------+--------------------+---------------------+----------------------------+
| | Сумма | Полученные премии | Сумма начисленных | Сумма оплаченных | Сумма задолженностей |
| |задолженностей | (начисленные): | взносов: | (перечисленных) |страховщиков в ФЗЖА на конец|
|Показатели |страхователей в| | | взносов: | отчетного периода (+ ;-) : |
| |ФЗЖА на начало | | | | |
| | года | | | | |
| | (@;-) | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
| | | С начала | В том | С начала | В том | С начала | В том | С начала |В том числе за|
| | | года | числе в | года |числе за | года | числе в | года | отчетный |
| | | | отчетном| |отчетный | | отчетном | | квартал |
| | | | квартале| | квартал | | квартале | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
| A | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8=1+4-6 | 9=5-7 |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
|ВСЕГО | | | | | | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
|В том числе| | | | | | | | | |
|по | | | | | | | | | |
|компаниям | | | | | | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
| | | | | | | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
| | | | | | | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
| | | | | | | | | | |
+-----------+---------------+-----------+---------+----------+---------+----------+----------+-------------+--------------+
II. Убытки/резервы заявленных, но неурегулированных убытков в
отчетном периоде
+--------------------+-----------------+--------+-----------------------------------------+------------------------------+---------------------+---------------------+------------+-----------+
| | Количест-во не- | Резерв | Количество заявленных (начисленных) |Сумма заявленных (начисленных)| Количество Сумма возмещений, | Количест- |Резерв не- |
| | урегули- | не- | убытков в отчетном периоде | убытков | урегулированных | выплаченных в | во не- | урегули- |
| |рованных убытков |урегули-| | в отчетном периоде | убытков в отчетном | отчетном периоде | урегули- | рованных |
| | на начало года |рованных| | | периоде | | рованных |убытков на |
| | (единиц) |убытков | | | | | убытков на | конец |
| | |с начала| | | | | конец | отчетного |
| | | года | | | | | отчетного | периода |
| | | (леев) | | | | | периода | (леев) |
| | | | | | | | (единиц) | |
+--------------------+-----------------+--------+-----------+-----------------------------+-----------+-----------------++-------+-------------+--------+------------+------------+-----------+
| | | | всего | в том числе: | всего | в том числе: | всего |в том числе: | всего | в том | | |
| | | | (единиц) | | (единиц) | |(единиц)| |(единиц)| числе: | | |
| | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
| | | | | мате-риа-льные | телес- | | мате- | Телес- | |мате- |телес-| |мате-|телес-| | |
| | | | | | ные | | риаль- | ные | |риаль-| ные | |риа- | ные | | |
| | | | | | | | ные | | | ные | | |льные| | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
| A | 1 | 2 | 3#4@5 | 4 | 5 | 6#7@8 | 7 | 8 |9#10@11 | 10 | 11 |12#13@14| 13 | 14 |15#1@3-9 | 16#2@6-12 |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
|I. В случае не | | | | x | | | x | | | x | | | x | | | |
|неустановлен-ных лиц| | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
|II. В случае | | | | | | | | | | | | | | | | |
|отсутствия | | | | | | | | | | | | | | | | |
|страхового полиса, в| | | | | | | | | | | | | | | | |
|том числе: | | | | | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
|Физические лица | | | | | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
|Юридичес-кие лица | | | | | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
|Всего: I@II | | | | | | | | | | | | | | | | |
+--------------------+-----------------+--------+-----------+--------------------+--------+-----------+--------+--------+--------+------+------+--------+-----+------+------------+-----------+
III. Регрессные иски в отчетном периоде
+-------------+--------------+--------------+------------+-------------+
| Остаток, | Начисленные | Денежные | Регрессные | Остаток, |
| начисленный | в ФЗЖА | поступления | иски, | начисленный |
| на начало | регрессные | в ФЗЖА от | списанные | на конец |
| года | иски в | регрессных | на | отчетного |
| | отчетном | исков | основании | периода |
| (леев) | периоде | | решений | (леев) |
| | (леев) | (леев) | (леев) | |
+-------------+--------------+--------------+------------+-------------+
| 1 | 2 | 3 | 4 | 5#1@2-3-4 |
+-------------+--------------+--------------+------------+-------------+
| | | | | |
+-------------+--------------+--------------+------------+-------------+
IV. Состояние фонда на отчетную дату
леев
+--------------------------+-------------------------+-------------+------------+-----------------+------------------+---------------+-----------+---------------+---------------------+---------+
| | | | | | | | | | | |
| Остаток на начало года |Взносы в фонд в отчетном | Регрессные |Иные доходы | Всего доходы в | Возмещения, |Кассии-рованные| Прочие | Всего расходы | Остаток на конец | Остаток |
| | периоде | иски в | в фонд в |отчетном периоде | фактически | регресс-ные |расходы из | из фонда | отчетного периода | резерва |
| | | отчетном | отчетном | | выплаченные в | иски | фонда | | (@,-) | убытков |
| | | периоде | периоде | | отчетном периоде | | | | |на конец |
| | | | | | | | | | |отчетного|
| | | | | | | | | | | периода |
| | | | | | | | | | | (ст. 16 |
| | | | | | | | | | | гл.II) |
+--------------+-----------++------------+-----------++------+-----++------+----++-------+--------+-----------------++------+--------+-----------+------+--------+---------+-----------+---------+
|На-чис-лен-ный|Факти-ческий|Начис-ленные| Упла- |Начис-|Полу- |Начис-|Полу-|Начис- |Получен-| Выплаченные |Начис- | Выпла-ченные |Начис-| Выпла- |Начислен-|Фактический| |
| | | | ченные |ленные|ченные|ленные|чен- |ленные | ные | (перечислен- |ленные | |ленные| ченные | ный | | |
| | | | (перечис- | | | | ные | | | ные) | | | | | | | |
| | | | ленные) | | | | | | | | | | | | | | |
+--------------+------------+------------+------------+------+------+------+-----+-------+--------+-----------------+-------+--------------------+------+--------+---------+-----------+---------+
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |9#3@5@7|10#4@6@8| 11 | 12 | 13 |14#12 |15#11@13|16#1@9-14|17#2@10-15 | 18 |
+--------------+------------+------------+------------+------+------+------+-----+-------+--------+-----------------+-------+--------------------+------+--------+---------+-----------+---------+
| | | | | | | | | | | | | | | | | | |
+--------------+------------+------------+------------+------+------+------+-----+-------+--------+-----------------+-------+--------------------+------+--------+---------+-----------+---------+
V. Состояние размещения фонда на отчетную дату
+-------------------------------+-------+-----------+-------------+--------------+
|Наименование показателя |Код |Нормативное| Начисленные | Фактически |
| |ряда |соотношение| | |
+-------------------------------+-------+-----------+------+------+------+-------+
| | | |Сумма | % |Сумма | % |
+-------------------------------+-------+-----------+------+------+------+-------+
|Банковские депозиты, в том|010 | | | | | |
|числе в банке: | | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|a) |0101 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|b) |0102 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|c) |0103 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Государственные ценные бумаги |020 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Казначейские сертификаты |030 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Облигации |040 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Прочие финансовые инструменты |050 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Текущий расчетный счет |060 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Касса |070 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Начисленные регрессные иски |080 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Задолженности по взносам |090 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
|Всего размещения (1-9) |100 | | | | | |
+-------------------------------+-------+-----------+------+------+------+-------+
to Regulations on Fonda of protection of the victims of accidents
The report on charge and transfer of fees in Fund of protection of the victims of accidents
Страховая компания ______________________________________________
Отчетный период 01 января 20___ - ___ _______________ 20__
- леев -
+--------------------------------------------------------------------+
¦Сумма за-¦ Полученные ¦ Сумма начис- ¦Сумма упла-¦Остаток задол-¦
¦должен- ¦(начисленные)¦ ленных взно- ¦ченных (пере-¦женностей ком-¦
¦ностей ¦ премии: ¦ сов: ¦численных) ¦пании в фонд на¦
¦компании ¦ ¦ ¦взносов: ¦конец отчетного¦
¦в фонд на¦ ¦ ¦ ¦периода (+ ;-):¦
¦начало +-------------+--------------+-------------+---------------¦
¦года ¦С нача-¦В том¦С нача-¦В том ¦С нача-¦В том¦С нача-¦В том ¦
¦(+;-) ¦ла года¦числе¦ла года¦числе ¦ла года¦числе¦ла года¦числе ¦
¦ ¦ ¦в от-¦ ¦за от-¦ ¦в от-¦ ¦за от- ¦
¦ ¦ ¦чет- ¦ ¦четный¦ ¦чет- ¦ ¦четный ¦
¦ ¦ ¦ном ¦ ¦квар- ¦ ¦ном ¦ ¦квар- ¦
¦ ¦ ¦квар-¦ ¦тал ¦ ¦квар-¦ ¦тал ¦
¦ ¦ ¦тале ¦ ¦ ¦ ¦тале ¦ ¦ ¦
+---------+-------+-----+-------+------+-------+-----+-------+-------¦
¦ 1 ¦ 2 ¦ 3 ¦ 4 ¦ 5 ¦ 6 ¦ 7 ¦8=1+4-6¦ 9=5-7 ¦
+---------+-------+-----+-------+------+-------+-----+-------+-------¦
+--------------------------------------------------------------------+
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