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vertraglichen Obliegenheiten vor Eintritt des Versicherungsfalles im Rahmen der AKB: Unter Berücksichtigung der dritten Richtlinie der Schadenversicherung

vertraglichen Obliegenheiten vor Eintritt des Versicherungsfalles im Rahmen der AKB: Unter Berücksichtigung der dritten Richtlinie der Schadenversicherung

          
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About the Book

Inhaltsangabe: Einleitung: Die Kraftfahrtversicherung ist als Massengeschäft eine der wichtigsten Sparten der Sachversicherer. Sie unterlag bisher, wie alle anderen Zweige auch, der Genehmigungspflicht des BAV bezüglich des Bedingungswerkes und der Tarife. Diese Tradition wurde 1994 erstmals durchbrochen. Die am 18.06.92 vom Rat der EG beschlossene Dritte Schadenrichtlinie, die ursprünglich am 01.07.94 in Kraft treten sollte, ist, etwas verspätet, am 29.07.94 wirksam gewordene. Für die deutsche Assekuranz bedeutet dies den absoluten Wegfall der Bedingungs- und Tarifgenehmigungspflicht. Die bisherige Markttransparenz aufgrund der Homogenität der Bedingungen und Tarifbestimmungen entfällt zu Lasten der Verbraucher, die sich mit einer Vielzahl von verschiedenen Angeboten konfrontiert sehen, da die einzelnen Versicherer erstmals die Möglichkeit haben, sich durch individuell gestaltete Produkte von den restlichen Marktanbietern abzuheben. Für die Kraftfahrzeughaftpflichtversicherung bedeutet dies, daß möglicherweise der Verkehrsopferschutz nicht mehr in dem bisherigen Maße bestanden hätte, da der Wegfall der Genehmigungspflicht auch die Pflichtversicherungen tangiert. Aufgrund dieser Tatsache wurde der Umfang des Versicherungsschutzes (§ 4 Abs. 1 PflVersG) durch das Bundesministerium der Justiz im Rahmen der Kraftfahrzeugpflichtversicherungsverordnung, deren Erlaß am 29.07.94 erfolgte, festgelegt. Das Inkrafttreten erfolgte am 04.08.94. Durch das fast gleichzeitige Wirksamwerden der KfzPflVVO und der Dritten Schadenrichtlinie ist verhindert worden, daß sich die mangelnde Genehmigungspflicht der Bedingungen inhaltlich negativ auf den Verkehrsopferschutz auswirkt. Das bisherige Niveau dieses Schutzes, das in den drei Kraftfahrzeug-Richtlinien aus den Jahren 1972, 1983 und 1990 in den wichtigsten Punkten widergespiegelt wird, soll auch in Zukunft beibehalten werden; ein großer Teil des Leistungsumfanges war jedoch nur in den genehmigten AKB zementiert'. Mit dem Erlaß der


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Product Details
  • ISBN-13: 9783838633350
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 7 mm
  • Weight: 154 gr
  • ISBN-10: 3838633350
  • Publisher Date: 02 May 2001
  • Height: 210 mm
  • No of Pages: 112
  • Series Title: German
  • Sub Title: Unter Berücksichtigung der dritten Richtlinie der Schadenversicherung
  • Width: 148 mm


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vertraglichen Obliegenheiten vor Eintritt des Versicherungsfalles im Rahmen der AKB: Unter Berücksichtigung der dritten Richtlinie der Schadenversicherung
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