FAQ

According to which specifications it is possible to search the Motor Third-Party Liability insurer on the Czech Insurers’ Bureau’s websites? Is it possible to search also, for example, according to the Vehicle Identification Number (VIN)?

The Liability insurer inquiry enables searching only according to the vehicle registration (plate) number and the date of the accident.
 
Is it possible that a properly insured vehicle was not find via the finder, and why?
 
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.
 
In what data format the vehicle registration (plate) number shall be entered in order to use the finder of the Motor Third-Party Liability insurers on the Czech Insurers’ Bureau’s websites?

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.

Is it possible that one vehicle registration (plate) number was allocated to several vehicles in the Czech Republic?

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.).

Why the insurance premium derives from the engine cubature and not from engine power?

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. 

How will be solved the Motor Third-Party Liability Insurance rates for the year 2003?
 
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. 
  
Is the Czech Insurers’ Bureau competent to handle the complaint of process of settling the insured event by one of its Member insurance companies?

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. 
  
Shall have the vehicle driver, besides the liability insurance certificate, available also the proof of payment of the liability insurance, in case of check of the Police of the Czech Republic?

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. 
  
Is the Czech Insurers’ Bureau competent to settle the damage when accident was caused by operation of a tram?

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.  

What are the sanctions for someone, who operates a vehicle without liability insurance?

An individual when operating a vehicle without liability insurance is committing a misdemeanour, for which a penalty 5.000 - 40.000 CZK. 
  
What to do with a vehicle in case of death of the vehicle owner or in case of abolishment of a corporation?

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.