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Podgorica 18.01.2013.

Povodom pojave različitih tumačenja Zakonu o obaveznom osiguranju i potencijalnih problema u svakodnevnoj primjeni Evropskog izvjestaja o nezgodi, a koje može da dovede do određenih nejasnoća i nedoumica, Udruženja Nacionalni biro osiguravača Crne Gore (NBOCG) u isključivoj želji da ih razjasni, saopštava sledeće:

Zakon o obaveznom osiguranju u saobracaju, u članu 28, između ostalog kaže:

“Evropski izvjestaj o nezgodi popunjavaju učesnici u nezgodi u kojoj nema povrijeđenih lica, kada je šteta pričinjena samo na vozilima, pri čemu vozila mogu propisno nastaviti kretanje i za koju su se učesnici saglasili o okolnosti pod kojom je do nezgode došlo.

Oštećeno lice može koristiti Evropski izvjestaj o nezgodi kao zahtjev za naknadu štete od odgovornog društva za osiguranje.”

Dakle u svakom drugom slučaju, bilo da ima povrijedjenih lica, i ili da se vozilo ne može propisno kretati,  i ili da ne postoji usaglašenost između učesnika u nezgodi, o okolnostima pod kojom je do nezgode došlo, neophodno je pozvati saobraćajnu policiju, koja će napraviti zapisnik i tek tada će zahtjev za nadoknadu štete biti upotpunjen.

Podsjećamo javnost i da je saglasno Zakonu o obaveznom osiguranju, neophodno da, u slučaju saobraćajne nezgode u kojoj nema povrijeđenih lica, te da postoje uslovi da vozilo propisno nastavi kretanje, kao i da postoji usaglašenost između učesnika u nezgodi, o okolnostima pod kojom je do nezgode došlo, svaki vozač, savjesno, ispuni Evropski izvještaj o saobraćajnoj nezgodi i priloži uz prijavu štete osiguravajućoj kući na dalju obradu. Uz obrazac, kao njegov sastavni dio, dolazi i formular Uputstvo za popunjavanje usaglašenih izjava i izvještaja o saobraćajnoj nezgodi, u kojem su jasna i precizna uputstva i odgovori na pitanje „šta raditi u slučaju nezgode“.

Takodje podsjećamo javnost da je, uz polisu osiguranja od autoodgovornosti, društvo za osiguranje dužno da osiguraniku uruči i Evropski izvjestaj o nezgodi, koji je osiguranik dužan da drži u vozilu i predoči ovlašćenom licu na zahtjev, a na nadležnim organima je da se jasno odrede i da donesu potrebne pravilnike za pravilnu primjenu ovog Zakona.

Primjer popunjenig izvještaja možete pogledati ovdje

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en_GBEN
me_MEME en_GBEN
vrši obradu, obračun, isplatu šteta i naplatu regresnih zahtjeva po isplaćenim štetama po osnovu: - međunarodnih sporazuma o obaveznim osiguranjima u saobraćaju nastalim u zemlji i inostranstvu (zelena karta), - neosiguranih motornih i priključnih vozila i putnika u javnom saobraćaju, vazduhoplova i plovnih objekata, - zbog smrti, povrede tijela ili narušavanja zdravlja prouzrokovane upotrebom nepoznatog motornog vozila, vazduhoplova, plovnog objekta ili drugog prevoznog sredstva; - zahtjeva oštećenih lica koja nijesu štetu mogla naplatiti zbog prestanka rada društva za osiguranje kod koga su bila osigurana;