According to one of the latest resolutions of the Supreme Court on liability insurance of motor vehicles, a casualty who is not an entrepreneur does not have the status of consumer when he assert claims directly against the insurer of the perpetrator of the accident.
Therefore the legal situation of the casualty upon the liability insurance of the perpetrator may by much less favorable than the situation when he has his own accident insurance. The hitherto jurisprudence of the Court of Competition and Consumer Protection is very restrictive for entrepreneurs who use standard contracts and that in practice excludes from the market most of clauses that are unfavorable for consumers.
The Resolution of the Supreme Court means however that the insure is not restricted by the principles of consumer protection while it stipulates the terms and conditions of the liability insurance. This may result in greater number of disputes between casualties and insurers and asserting claims against perpetrators of accidents instead of insurers.