Article (in Estonian): O.-J. Luik, V. Kõve, "18 aastat liikluskindlustuse seaduse kehtimist Eestis. Kuidas edasi?" (18 years of the Motor Insurance Act in Estonia. What next?), Juridica 2011/4, pp. 298–309. Article page on Juridica (published 2011)
Co-author: Villu Kõve.
Research question
Since compulsory motor insurance was introduced in 1993, Estonia had three motor insurance acts (1992, 1995 and 2001), all repeatedly amended. When the article appeared, the Ministry of Finance was preparing a new bill. The authors analyse the development of the system and the bill, identify solutions they considered problematic and propose changes.
Main arguments
The article compares Estonian solutions with the motor insurance laws of other Baltic Sea states, the Finnish reform bill, and German and Austrian law, which have strongly influenced the Estonian legal system.
What has changed
A new Motor Insurance Act (liikluskindlustuse seadus, LKindlS) was adopted in 2014 and entered into force on 1 October 2014. It was reformed again in 2024: sums insured increased and since 1 December 2024 damage is assessed under the damages rules of the Law of Obligations Act with MTPL-specific deviations. The article is now mainly a historical source explaining the choices behind the current act.