期刊名称：Annals of the University of Oradea : Economic Science
印刷版ISSN：1222-569X
电子版ISSN：1582-5450
出版年度：2007
卷号：XVI
期号：02
页码：260-263
出版社：University of Oradea
摘要：The existence of third party liability insurance allows the third party who was damaged to get the right
compensation and, on the other hand, the patrimony of the person who damage to third party remains
untouched. Under these circumstances, insurers designed a various products of liability insurance, one of them
mandatory, other non-mandatory. The paper presents some indicators that emphasize that the motor third
liability insurance is the most important one in Romania. Also, there are presented in brief the European
directives in the domain of motor third liability insurance and the evolution of Romanian settlements in this
domain in order to harmonize the national legislation with those of European Union. The paper presents the
evolution of the main indicators relevant for the two components of the motor third liability insurance between
2001 and 2005. The conclusion of analysis is that high paid claims ratio for motor third liability insurance
remains one of the main concerns of insurance companies. Under the circumstances of Romania¡¯s joining EU
and the growing up the competition, insurers have to redesign their products in order to conduct their activity in
a context of financial stability and gain good profit.
关键词：insurance, third party liability, motor insurance
