ПРАВНИ И СОЦИАЛНИ АСПЕКТИ НА ГРАЖДАНСКАТА ОТГОВОРНОСТ И НА ЗАСТРАХОВКАТА „ГРАЖДАНСКА ОТГОВОРНОСТ“ НА АВТОМОБИЛИСТИТЕ И СИСТЕМАТА „БОНУС-МАЛУС“
LEGAL AND SOCIAL ASPECTS OF CIVIL RESPONSIBILITY AND INSURANCE AGAINST THIRD PARTY RISK OF THE MOTORISTS AND THE SYSTEM “BONUS-MALUS”

Summary/Abstract: The civil liability is a means for indemnity of the damages, caused illegally to other persons. It fulfills three functions – to compensate, to prevent and to sanction the guilty person. The insurance against third party risk contributes to the effective realization of the three functions. The bonus – malus system, which must be introduced in our country in accordance with art. 490 (5) of the Code of Insurance, reinforces the effect of the prevention of this kind of insurance, because it increases and decreases the amount of the insured premium in depend of the behavior of the insured and the number of the claims against him. The connection between the bonus-malus system and the civil liability is subject of the article.

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