Mandatory Liability Insurances Except for Insurances in the Field of Traffic and Transport in Croatian and Comparative Law Paying a Special Attention to an Obliged Person to Insure and Third Persons

Na početku rada govori se općenito o važnosti obveznih osiguranja od odgovornosti, a potom autor daje prikaz pojedinih obveznih osiguranja od odgovornosti u hrvatskom pravu izvan djelatnosti prometa i prijevoza. Pri tome autor posebnu pažnju daje pitanjima tko se smatra obveznikom sklapanja osiguranja od odgovornosti, te koje se osobe smatraju trećim osobama u obrađenim osiguranjima od odgovornosti. Nakon toga daje se prikaz poredbenopravnih uređenja Austrije, Njemačke, Italije i Velike Britanije u materiji obveznih osiguranja od odgovornosti izvan sustava prometa i prijevoza, a sa ciljem ukazivanja daljnjih mogućnosti razvoja obveznih osiguranja od odgovornosti u hrvatskom pravu. I u prikazu domaćeg i poredbenog pravnog uređenja, autor posebnu pozornost pridaje pravnim izvorima koji propisuju obvezu sklapanja pojedinog osiguranja od odgovornosti, a u prikazu hrvatskog pravnog uređenja autor se koristi i uvjetima osiguranja pojedinih osiguratelja.In the first part of the article the author addresses the significance of mandatory liability insurances and presents an overview of different types of mandatory liability insurances except for insurances in the field of traffic and transport in Croatian law. In this matter he pays a special attention to issues concerning the identification of a person who has an obligation to enter the liability insurance agreement and of persons who are considered to be the third persons in certain cases of liability insurance. Furthermore, an overview of comparative legal systems in Austria, Germany, Italy and Great Britain governing the field of mandatory liability insurances except for the traffic and transport systems is given with the aim to point at further possible directions of mandatory liability insurance development in Croatian law. Presenting the overview of domestic and comparative legal systems, the author gives a special attention to legal sources prescribing the obligation to stipulate a particular mandatory liability insurance agreement. While addressing the Croatian legal system, the author also writes about insurance conditions set by certain insurance companies