Punkty za naruszenie przepisów ruchu drogowego a składka w ubezpieczeniach komunikacyjnych. Analiza nowych rozwiązań prawnych
Penalty Points for Violation of Traffi c Rules versus Motor Insurance Premium. Analysis of New Legal Solutions

Summary/Abstract: An amendment to the Polish Road Traffi c Code introduced a possibility for the Insurance Guar- antee Fund and insurance companies (offering motor liability and motor hull insurance) to ac- cess information in the Central Drivers Registry relating inter alia information concerning roadtraffi c offences and to penalty points imposed as a result of committing such offences. Insurance companies may consult the Registry with the Fund’s assistance. At the same time, under the amended Polish Insurance and Reinsurance Act, insurance undertakings may process those data (i.e. driving offences or violations of road traffi c regulations and penalty points issued as a result thereof) only for the purpose of insurance risk assessment and pricing with a view of concluding motor insurance contracts (excluding carrier’s liability insurance). Similar solutions have been adopted in other countries, including EU Member States. The article is an attempt at explaining and conducting an initial evaluation of the new mechanisms, as well as at answering a question about possible impact thereof upon motor insurance premiums.

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