LIMITATIONS OF ANNUITANT'S LIABILITY IN SPHERE OF VEHICLE INSURANCE

Tema ovog rada je “ Ograničenja od odgovornosti osiguratelja u osiguranju od automobilske odgovornosti“ koji je uređen Zakonom o obveznim osiguranjima u prometu. Rad započinje razlozima uvođenja obveznog osiguranja od automobilske odgovornosti te osnovnim pojmovima prava osiguranja kao dijela obveznog prava, kao što su : stranke ugovora – osiguravatelj, ugovaratelj osiguranja, osiguranik, radi lakšeg shvaćanja tematike rada. U drugom dijelu rada obrađuju se ograničenja odgovornosti osiguratelja u obveznom osiguranju od automobilske odgovornosti pri čemu se navode razlozi ograničenja i isključenja iste, te pojmovi minimalna osigurana svota, treće osobe, kumulacija svota..itd. Rad prati Zakon o obveznim osiguranjima u prometu i obrađuje članke vezan za predmetnu temu. Sporna pitanja obrađena su kroz sudsku praksu Vrhovnog suda Republike Hrvatske. U poljima ograničenja navode se primjeri radi lakšeg vizualiziranja materije. U daljem tekstu objašnjava se kome se podnosi zahtjev za naknadom štete u slučaju nastanka osiguranog slučaja s domaćim i inozemnim registracijskim oznakama na području Republike Hrvatske. Rad završava s obradom gubitaka prava iz osiguranja.Topic of this thesis is „Insurer's limitations of liability in the automobile liability insurance field“ determined by Legislation of compulsory traffic insurance. Thesis begins with purposes of enforcing compulsory automobile liability insurance and basic terms of insurance law as part of compulsory law such as contract parties – insurer, contractor and insured for the purpose of better understanding the topic of this thesis. Second part of work dealt with insurer's limitations of liability in the compulsory automobile liability insurance field and facts of it's limitations. Second part of work also includes terms such as minimum insurance coverage, third parties, cumulation provision, ...ect. Thesis follows the Legislation of compulsory traffic insurance and process the articles tied with the topic of this thesis. Disputable problems are processed through jurisprudence of Supreme Court of Croatia. There are examples mentioned at the part of limitations for the purpose of problem visualization. Following text explains who submits a request for damage compensation in case of insured case with domestic and international registration labels within the Republic of Croatia. Thesis ends with processing of losing rights from insurance