TFL Vsebine / Pravni letopis

Zavarovanje odgovornosti je urejeno v poglavju o zavarovalni pogodbi (zgolj) v 964. in 965. členu Obligacijskega zakonika. Ureditev izhaja iz jugoslovanskega Zakona o obligacijskih razmerjih iz leta 1978, ki je bil za tiste čase sodoben, danes pa se kaže kot pomanjkljiv in zastarel. Dobra podlaga je sicer klasični kontinentalni civilnopravni pristop, vendar bi ga bilo treba nadgraditi s sodobnimi zakonodajnimi rešitvami, ki so uveljavljene v zahodnoevropskih državah in se odražajo v Načelih evropskega zavarovalnega pogodbenega prava (Principles of European Insurance Contract Law – PEICL). Še posebno bi bilo treba ustrezneje opredeliti pojem in pojavne oblike zavarovalnega primera ter vprašanje neposrednih zahtevkov oškodovancev. Prispevek kritično obravnava nekatere segmente veljavnega Obligacijskega zakonika in jih prepleta s predlogi za sodobnejšo ureditev, ki bi (izhajajoč iz primerjalnopravne prakse) bila primerna tudi za slovenski zavarovalni in pravni prostor.

In Slovenia liability insurance is regulated in the chapter regarding insurance contract in articles 964 in 965 (only) of the Obligations Code. The regulation originates from the former Yugoslav Obligations Act from year 1978 which was modern at that time, but today it is considered deficient and outdated. Classic continental civil law approach is a good basis however it needs to be upgraded with up­to­date legislative solutions that are established in the Western European countries and are reflected in the Principles of European Insurance Contract Law – PEICL. This applies in particular to the concept of the insured event and to the issue of direct claims of third parties (victims). This article critically discusses some of the segments of the valid Obligations Code legal solutions and intertwines them with suggestions for a contemporary regulation which (based on the comparative legal practice) would be suitable for the Slovenian insurance and legal space.

Liability Insurance – Challenges Of Slovenian Legislation