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Frequently Asked Questions on the Czech Insurers’ Bureau |
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Frequently asked questions
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The Liability insurer inquiry enables searching only according to
the vehicle registration (plate) number and the date of the
accident. |
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Essentially it is possible. The Czech Insurers’ Bureau disposes only
of information received from the Member companies. If such
information is not delivered to the Czech Insurers’ Bureau, it is
impossible to find it in the database of the Czech Insurers’ Bureau.
The fact, when no record has been found in the database, does not
mean that a vehicle searched on the Czech Insurers’ Bureau’s
websites was operated as uninsured at the time of the accident.
Generally it is possible to say that searching of no record in the
database is currently rather exceptional. |
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When entering the vehicle registration (plate) number it is not
necessary to follow the well-defined format, because possible gaps
or dashes, which may appear within the characters structure, are
automatically filtered out by the information system. So it is
unimportant, if the registration number is entered in the structure
e.g. AAA1111 or AAA 11-11 or eventually AAA 11 11. The inquiry is
processed even in case of wrong entry of the gaps or dashes in the
registration number, e.g. AA A 111-1, etc. |
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Two different vehicles still may have, in some cases, the same
vehicle registration (plate) number. The previous system of evidence
of the motor vehicles enabled to allocate one and the same
alphanumeric combination of the registration (plate) number within
the different vehicles categories that differed by its colours (e.g.
black-white, black-yellow, yellow-blue, etc.). |
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Existing legal form of the Act No. 168/1999 Coll., on Motor
Third-Party Liability Insurance, took over within the clause § 3(5)
form as per § 22 of the Decree No. 492/1991 Coll., which
determinated the insurance premium rates and specification of
designation of vehicles into rates. Coming progress may bring also
other modifications in this area. |
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Minimum and
maximum insurance premium rates as per § 3 of the Act No. 168/1999
Coll., on the Motor Third-Party Liability Insurance, are valid till
31.12.2002. As from 1.1.2003 the insurance companies set insurance
premium rates according to their own standards, but they have to
observe the obligation defined by the Act. No. 168/1999 Coll.,
namely to set the insurance premium so as to guarantee the
fulfilment of the obligations arising from this liability insurance,
sufficient creation of the technical provisions and payment of
contributions to the Bureau.
The Czech
Insurers’ Bureau counts the minimum premium rates no longer. Since
2003 the market has been fully deregulated, which means that the
price setting is fully in hands of insurance companies to which you
can refer with your request. |
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The
Czech Insurers’ Bureau is not competent to handle the complaint of
process of settling damages by individual insurance companies, in
extreme case the Bureau may only propose its opinion or recommendation
to the Member insurance company. |
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As per
§ 16 (1c) of the Act No. 168/1999 Coll., on the Motor Third-Party
Liability Insurance, as amended by the Act No. 47/2004 Coll.
(hereinafter referred to as the Act), a misdemeanour commits a person
who fails to produce to policeman of the Police of the Czech Republic,
upon request, „a certificate of the Motor Third-Party Liability
insurance“. For this misdemeanour the penalty up to CZK 500 may be
imposed. The proof of payment of the liability insurance is not a
certificate of the Motor Third-Party Liability insurance“, the Police of
the Czech Republic does not have a leg in valid legislation to request
this proof of payment. |
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The
Czech Insurers’ Bureau is not competent for such cases, because a tram
is not found among the vehicles listed in § 2 a) of the Act No. 168/1999
Coll., so that the Motor Third-Party Liability insurance applies neither
to trams nor to damage caused by operation of trams. |
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An
individual when operating a vehicle without liability insurance is
committing a misdemeanour, for which a penalty up to CZK 20.000,- and
ban on the activity consisting in the prohibition of the driving of
motor vehicles up to one year may be imposed. A corporation when
operating a vehicle without liability insurance is committing another
offence for which a penalty up to CZK 20.000,- may be imposed. |
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According to the Act No. 168/1999 Coll., on the Motor Third-Party
Liability Insurance, as amended by the Act No. 47/2004 Coll.
(hereinafter referred to as the Act), in case of death of the vehicle
owner, the owner’s obligations shall be on the part of his heir, or in
case of several heirs, this obligation shall be on the part of the heir
authorized by other heirs. In the absence of an authorized person this
obligation shall be on the part of the court-appointed executor of the
estate.
In case of abolishment of a corporation its obligations shall be on the
part of its legal successor, liquidator or trustee in bankruptcy. |
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