DOI: 10.7251/VJE16057D

UDC: 347.518:656.1

Pregledni rad / Overview paper

Utvrđivanje osnova za naplatu materijalne štete u kasko osiguranju na primjeru osiguranog slučaja u saobraćaj

Danislav Drašković

Republička uprava za inspekcijske poslove RS, Banja Luka, Bosna i Hercegovina, d.draskovic@inspektorat.vladars.net

Mirsad Kulović

Univerzitet Apeiron, Banja Luka, Bosna i Hercegovina, mirsad.f.kulovic@apeiron-edu.eu

Milija Radović

Agencija za bezbjednost saobraćaja RS, Banja Luka, Bosna i Hercegovina, m.radovic@abrs.com

Milan Tešić

Agencija za bezbjednost saobraćaja RS, Banja Luka, Bosna i Hercegovina, m.tesic@absrs.com

Savan Tanasić

Republička uprava za inspekcijske poslove RS, Banja Luka, Bosna i Hercegovina, savantanasic@gmail.com

Sažetak: Osigurani slučaj je budući, iznenadni i od volje osiguranika nezavisni štetni događaj koji ima za posljedicu reali- zaciju štetnog događaja, odnosno to je događaj čije nastupanje predstavlja ostvarivanje rizika koji je obuhvaćen osigura- njem. Kod kasko osiguranja to znači da će dalja sudbina ugovora zavisiti od toga da li šteta na osiguranom vozilu potpuna, totalna ili djelomična.U okviru ovog rada, analizira se dilema : saobraćajna nezgoda ili događaj u saobraćaju, u tretiranju lokacije nastanka štetnog događaja i uticaja volje osiguranika u nastanku istog.

Ključne reči: kasko osiguranje, saobraćajna nezgoda, događaj, saobraćajna signalizacija.

Establishing the Basis for Material Damages Claims in Casco Insurance on the Example of Insured Case in Traffic

Danislav Drašković

Republic of Srpska Administration for Inspection Affairs, Banja Luka, Bosnia and Herzegovina, d.draskovic@inspektorat.vladars.net

Mirsad Kulović

Apeiron University Banja Luka, Bosnia and Herzegovina, mirsad.f.kulovic@apeiron-edu.eu

Milija Radović

Agency for Traffic Safety of Republic of Srpska, Banja Luka, Bosnia and Herzegovina, m.radovic@abrs.com

Milan Tešić

Agency for Traffic Safety of Republic of Srpska, Banja Luka, Bosnia and Herzegovina, m.tesic@absrs.com

Savan Tanasić

Republic of Srpska Administration for Inspection Affairs, Banja Luka, Bosnia and Herzegovina, savantanasic@gmail.com

Abstract: An insured case is the future, sudden incident not depending on the will of the insured person, which consequ- ence is the realization of the damaging event, i.e. it is an event which occurrence is the realization of the risk covered with the insurance. With the Casco insurance this means that the future of the contract depends whether the damage on the insured vehicle is full, total or partial. The following dilemma is analysed in this paper: traffic accident or event in traffic in treatment of the location where the damaging event occurred and the influence of the insured person’s will in the occu- rrence of the event.

Keywords: Casco Insurance, Traffic Accident, Event, Traffic Signals.