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Acidentes de viação e direito de regresso das seguradoras : a condução sob a influência de álcool (art.27º, n.º1, al. c) do DL n.º291/2007)
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Abstract(s)
A presente dissertação tem como objetivo estudar o regime geral do direito de regresso da seguradora no caso de acidentes de viação em que o condutor apresenta uma taxa de álcool no sangue superior à legalmente admitida, com foco específico na exigência de prova e alegação do nexo de causalidade entre danos decorrentes do acidente e a taxa de álcool no sangue. Esta questão foi objeto de um acórdão uniformizador no domínio do antigo diploma que regulava o regime do seguro obrigatório de responsabilidade civil (DL n.º522/85). No entanto, com a entrada em vigor do diploma atual (DL n.º291/2007) a interpretação e aplicabilidade do AUJ n.º6/2002 levanta a seguinte questão: é exigível ou não a prova do nexo de causalidade nos atuais pressupostos do art. 27º,n.º1, c) do DL n.º291/2007? Para uma compreensão mais fundamentada procedemos à análise da evolução do seguro obrigatório de responsabilidade civil, no direito europeu e nacional, comparação das diferenças dos dois diplomas supramencionados e estudo dos AUJ, n.º6/2002 e AUJ n.º10/2024. Constatou-se que não é exigível, à seguradora, alegar e provar o nexo de causalidade entre o acidente e a condução sob efeito de álcool, nos termos da redação do art. 27º, n,º1, c) do DL n.º291/2007, contrariamente ao que acontece no consumo estupefacientes ou outras drogas ou produtos tóxicos.
The aim of this dissertation is to study the general regime of the insurer's right of recourse in the case of traffic accidents in which the driver have a blood alcohol level higher than legally permitted, with a specific focus on the requirement to prove and allege the causal link between the damage resulting from the accident and the blood alcohol level. This issue was the subject of a uniform ruling in the area of the former law governing the compulsory civil liability insurance scheme Decree-Law n.º 522/85). However, with the entry into force of the current law (Decree-Law nº. 291/2007), the interpretation and applicability of uniform case law decision (AUJ) n.º 6/2002 raises the following question: is proof of the causal link required or not under the current assumptions of art. 27, n.º1, c) of Decree- Law (DL) n.º 291/2007? For a better understanding, we analyzed the evolution of compulsory civil liability insurance in European and national law, compared the differences between the two pieces of legislation mentioned above and studied uniform case law decision (AUJ) n.º 6/2002 and n.º10/2024. It was found that the insurer is not required to allege and prove the causal link between the accident and drink-driving, in accordance with the wording of art. 27, nº1, c) of Decree-Law (DL) n.º 291/2007, unlike what happens in the case of the consumption of narcotics or other drugs or toxic products.
The aim of this dissertation is to study the general regime of the insurer's right of recourse in the case of traffic accidents in which the driver have a blood alcohol level higher than legally permitted, with a specific focus on the requirement to prove and allege the causal link between the damage resulting from the accident and the blood alcohol level. This issue was the subject of a uniform ruling in the area of the former law governing the compulsory civil liability insurance scheme Decree-Law n.º 522/85). However, with the entry into force of the current law (Decree-Law nº. 291/2007), the interpretation and applicability of uniform case law decision (AUJ) n.º 6/2002 raises the following question: is proof of the causal link required or not under the current assumptions of art. 27, n.º1, c) of Decree- Law (DL) n.º 291/2007? For a better understanding, we analyzed the evolution of compulsory civil liability insurance in European and national law, compared the differences between the two pieces of legislation mentioned above and studied uniform case law decision (AUJ) n.º 6/2002 and n.º10/2024. It was found that the insurer is not required to allege and prove the causal link between the accident and drink-driving, in accordance with the wording of art. 27, nº1, c) of Decree-Law (DL) n.º 291/2007, unlike what happens in the case of the consumption of narcotics or other drugs or toxic products.
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Keywords
Acidentes de viação SORCA TAS Nexo de causalidade Direito de regresso Responsabilidade civil Contrato de seguro Traffic accidents Casual link Right of recourse Civil liability Insurance contract
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