TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2023
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1414
AB  - Od kompanija u savremenom svetu očekuje se da rade na jačanju odgovornosti. Poslednjih godina je u prvi plan stavljen koncept održivog poslovanja, koje počiva na tri stuba: ekološki prihvatljivo stvaranje profita, dobro korporativno upravljanje i briga o društveno angažovanim temama. To je u osnovi skraćenice, koja se ovih dana uveliko sreće i u Srbiji. Autorka objašnjava za naše prilike nedovoljno poznati termin ESG, pošavši od Pariskog sporazuma o klimatskim promenama, koji je usvojen u atmosferi makar proklamovanog konsenzusa i usaglašenosti razvijenih i zemalja u razvoju. Pošavši od cilja ovog sporazuma, a to je delotvoran i napredan odgovor na pretnju klimatskih promena, kompanije će ubuduće morati da usvoje strategije sa ciljem smanjenja uticaja na životnu sredinu, koji se in ultima linea reflektuju na globalno zagrevanje. Autorka dokazuje da su ESG standardi stubovi otpornosti novog modela poslovanja svih kompanija koje bi pro futuro trebalo da dovedu do ostvarenja cilja klimatske neutralnosti.
AB  - The modern world requires companies to work on strengthening their responsibility. In recent years, the concept of sustainable business was placed in the forefront, and it relies on three pillars: ecologically acceptable profiting, good corporate governance, and care about social issues. That is the core of the abbreviation that has been increasingly present in Serbia, as well. The author explains the term ESG, as it is insufficiently familiar in her region, starting from the Paris Agreement on climate change, adopted in a proclaimed consensus and harmonisation of developed and developing countries. Starting from the aim of this Agreement, which is an efficient and advanced response to the threat of climate change, companies will from here on out have to adopt strategies to reduce their environmental impact, which is ultimately reflected on global warming. The author proves that ESG standards are powering the resilience of the new business models for all companies, which should lead to reaching climate neutrality in the future.
PB  - Udruženje banaka Srbije, Beograd
T2  - Bankarstvo
T1  - Održivo poslovanje - da li su ESG standardi stubovi otpornosti novog modela poslovanja?
T1  - Sustainable business: Are ESG standards powering the resilience of a new business model?
EP  - 221
IS  - 2-3
SP  - 202
VL  - 52
DO  - 10.5937/bankarstvo2303202P
UR  - conv_2684
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2023",
abstract = "Od kompanija u savremenom svetu očekuje se da rade na jačanju odgovornosti. Poslednjih godina je u prvi plan stavljen koncept održivog poslovanja, koje počiva na tri stuba: ekološki prihvatljivo stvaranje profita, dobro korporativno upravljanje i briga o društveno angažovanim temama. To je u osnovi skraćenice, koja se ovih dana uveliko sreće i u Srbiji. Autorka objašnjava za naše prilike nedovoljno poznati termin ESG, pošavši od Pariskog sporazuma o klimatskim promenama, koji je usvojen u atmosferi makar proklamovanog konsenzusa i usaglašenosti razvijenih i zemalja u razvoju. Pošavši od cilja ovog sporazuma, a to je delotvoran i napredan odgovor na pretnju klimatskih promena, kompanije će ubuduće morati da usvoje strategije sa ciljem smanjenja uticaja na životnu sredinu, koji se in ultima linea reflektuju na globalno zagrevanje. Autorka dokazuje da su ESG standardi stubovi otpornosti novog modela poslovanja svih kompanija koje bi pro futuro trebalo da dovedu do ostvarenja cilja klimatske neutralnosti., The modern world requires companies to work on strengthening their responsibility. In recent years, the concept of sustainable business was placed in the forefront, and it relies on three pillars: ecologically acceptable profiting, good corporate governance, and care about social issues. That is the core of the abbreviation that has been increasingly present in Serbia, as well. The author explains the term ESG, as it is insufficiently familiar in her region, starting from the Paris Agreement on climate change, adopted in a proclaimed consensus and harmonisation of developed and developing countries. Starting from the aim of this Agreement, which is an efficient and advanced response to the threat of climate change, companies will from here on out have to adopt strategies to reduce their environmental impact, which is ultimately reflected on global warming. The author proves that ESG standards are powering the resilience of the new business models for all companies, which should lead to reaching climate neutrality in the future.",
publisher = "Udruženje banaka Srbije, Beograd",
journal = "Bankarstvo",
title = "Održivo poslovanje - da li su ESG standardi stubovi otpornosti novog modela poslovanja?, Sustainable business: Are ESG standards powering the resilience of a new business model?",
pages = "221-202",
number = "2-3",
volume = "52",
doi = "10.5937/bankarstvo2303202P",
url = "conv_2684"
}

Petrović-Tomić, N.. (2023). Održivo poslovanje - da li su ESG standardi stubovi otpornosti novog modela poslovanja?. in Bankarstvo
Udruženje banaka Srbije, Beograd., 52(2-3), 202-221.
https://doi.org/10.5937/bankarstvo2303202P
conv_2684

Petrović-Tomić N. Održivo poslovanje - da li su ESG standardi stubovi otpornosti novog modela poslovanja?. in Bankarstvo. 2023;52(2-3):202-221.
doi:10.5937/bankarstvo2303202P
conv_2684 .

Petrović-Tomić, Nataša, "Održivo poslovanje - da li su ESG standardi stubovi otpornosti novog modela poslovanja?" in Bankarstvo, 52, no. 2-3 (2023):202-221,
https://doi.org/10.5937/bankarstvo2303202P .,
conv_2684 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2022
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1368
AB  - Jedna od najznačajnijih novina Zakona o zaštiti potrošača iz 2021. godine je uvođenje obavezne medijacije za trgovce. Ali, domašaj navedene izmene može se ceniti tek kada se ima u vidu da postoje oblasti u kojima se odeljak koji uređuje vansudsko rešavanje sporova ne primenjuje. Jedna od njih je oblast finansijskih usluga. Narodna banka Srbije donela je podzakonski akt kojim je bliže uredila vansudske procedure u oblasti osiguranja. Autorka se bavi pitanjem opravdanosti izuzimanja sektora osiguranja od obavezne medijacije na predlog potrošača. Da li će takvo rešenje doprineti unapređenju zaštite potrošača usluga osiguranja u postupku medijacije? Ili će sektor osiguranja i dalje čamiti u mraku? Da li je osiguranje zaista toliko "posebno" da zaslužuje privilegiju izuzeća? Ili se u stvari radi o diskriminaciji osiguranja, koja na duže staze pogađa korisnike usluga?
AB  - Introduction of mandatory mediation for professionals is one of the most important legal novelties of Law on consumer protection (2021). But the range of above-mentioned change could be assessed only when it is borne in mind that there are areas in which the sector governing alternative dispute resolution does not apply. Financial services are one of them. Central bank of Serbia passed a bylaw which regulated it in more details alternative dispute resolution procedures in the field of insurance. Th e author is dealing with the issue of justification of exemption of insurance sector from mandatory mediation. Whether such a solution will contribute to the improvement of consumer protection in the mediation process? Or the insurance sector will continue to languish in the dark? Whether insurance is really so "special" that it deserves the privilege of exemption? Or it is in fact discrimination of insurance, which in the long run affects consumers of insurance services.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Vansudsko rešavanje sporova iz osiguranja u režimu Zakona o zaštiti potrošača - privilegija izuzeća ili diskriminacije osiguranja?!
T1  - Alternative dispute resolution of insurance disputes according to Law on consumer protection: The privilege of exemption or discrimination of insurance
EP  - 296
IS  - 2
SP  - 275
VL  - 60
DO  - 10.55836/PiP_22205A
UR  - conv_2361
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2022",
abstract = "Jedna od najznačajnijih novina Zakona o zaštiti potrošača iz 2021. godine je uvođenje obavezne medijacije za trgovce. Ali, domašaj navedene izmene može se ceniti tek kada se ima u vidu da postoje oblasti u kojima se odeljak koji uređuje vansudsko rešavanje sporova ne primenjuje. Jedna od njih je oblast finansijskih usluga. Narodna banka Srbije donela je podzakonski akt kojim je bliže uredila vansudske procedure u oblasti osiguranja. Autorka se bavi pitanjem opravdanosti izuzimanja sektora osiguranja od obavezne medijacije na predlog potrošača. Da li će takvo rešenje doprineti unapređenju zaštite potrošača usluga osiguranja u postupku medijacije? Ili će sektor osiguranja i dalje čamiti u mraku? Da li je osiguranje zaista toliko "posebno" da zaslužuje privilegiju izuzeća? Ili se u stvari radi o diskriminaciji osiguranja, koja na duže staze pogađa korisnike usluga?, Introduction of mandatory mediation for professionals is one of the most important legal novelties of Law on consumer protection (2021). But the range of above-mentioned change could be assessed only when it is borne in mind that there are areas in which the sector governing alternative dispute resolution does not apply. Financial services are one of them. Central bank of Serbia passed a bylaw which regulated it in more details alternative dispute resolution procedures in the field of insurance. Th e author is dealing with the issue of justification of exemption of insurance sector from mandatory mediation. Whether such a solution will contribute to the improvement of consumer protection in the mediation process? Or the insurance sector will continue to languish in the dark? Whether insurance is really so "special" that it deserves the privilege of exemption? Or it is in fact discrimination of insurance, which in the long run affects consumers of insurance services.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Vansudsko rešavanje sporova iz osiguranja u režimu Zakona o zaštiti potrošača - privilegija izuzeća ili diskriminacije osiguranja?!, Alternative dispute resolution of insurance disputes according to Law on consumer protection: The privilege of exemption or discrimination of insurance",
pages = "296-275",
number = "2",
volume = "60",
doi = "10.55836/PiP_22205A",
url = "conv_2361"
}

Petrović-Tomić, N.. (2022). Vansudsko rešavanje sporova iz osiguranja u režimu Zakona o zaštiti potrošača - privilegija izuzeća ili diskriminacije osiguranja?!. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 60(2), 275-296.
https://doi.org/10.55836/PiP_22205A
conv_2361

Petrović-Tomić N. Vansudsko rešavanje sporova iz osiguranja u režimu Zakona o zaštiti potrošača - privilegija izuzeća ili diskriminacije osiguranja?!. in Pravo i privreda. 2022;60(2):275-296.
doi:10.55836/PiP_22205A
conv_2361 .

Petrović-Tomić, Nataša, "Vansudsko rešavanje sporova iz osiguranja u režimu Zakona o zaštiti potrošača - privilegija izuzeća ili diskriminacije osiguranja?!" in Pravo i privreda, 60, no. 2 (2022):275-296,
https://doi.org/10.55836/PiP_22205A .,
conv_2361 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2022
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1313
AB  - Autorka nastoji da dokaže da razlikovanje prava na naknadu štete i prava na osiguranu svotu, kao preduslov održivog razvoja osiguranja, postoji u delu profesora Kontantinovića. Iako u Skici za zakonik o obligacijama i ugovorima nisu regulisane sve vrste osiguranja koje čine aktuelnu pravnu stvarnost, naš uvaženi profesor kristalno jasno objašnjava da "osigurana suma koju oštećenik dobija od Državnog osiguravajućeg zavoda ne zamenjuje naknadu na koju on ima pravo po opštim pravilima o naknadi prouzrokovane štete od onoga koji je odgovoran za tu štetu". Ta formulacija predstavlja azbuku osiguranja, čija se aktuelnost nije izgubila ni danas. Štaviše, u fokusu je više nego ikada. Osloncem u delu profesora Konstantinovića, autorka argumentuje da je srpski regulatorni okvir - koji sva osiguranja posmatra iz skučene vizure imovinskih ili osiguranja lica - ograničavajući faktor razvitka tržišta osiguranja. Favorabilan pravni okvir ne ograničava usluge osiguranja prema vrsti osiguranja već uvažava tip pokrića i karakter ugovorene prestacije.
AB  - Author arguments that the distinction between the right to compensation for damage and the right to the insured amount originates from the work of Mihailo Konstantinović. Although the Draft Law on Obligations and Contracts does not regulate all types of insurance, Konstantinović has clearly and precisely stated that "the insured amount received by the insured party from the insurance company does not replace compensation for damage to which the party is entitled, according to the general rules on compensation for damage." This wording has not lost its relevance today. Conversely, it is more relevant than ever. Based on the work of Mihailo Konstantinović, the author presents the argument that the Serbian regulatory framework is a limiting factor to the development of the insurance market. A favorable legal framework does not limit insurance according to the type of insurance, but recognizes the type of coverage and the nature of contracted obligation.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Aktuelnost razlikovanja prava na naknadu štete i prava na osiguranu sumu u delu Mihaila Konstantinovića - klasični instituti i moderno pravo osiguranja
T1  - Distinction between right to compensation for damages and right to the insured amount according to Mihailo Konstantinović: Classic institutes and modern law
EP  - 589
IS  - poseban
SP  - 563
VL  - 70
DO  - 10.51204/Anali_PFBU_22MK20A
UR  - conv_568
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2022",
abstract = "Autorka nastoji da dokaže da razlikovanje prava na naknadu štete i prava na osiguranu svotu, kao preduslov održivog razvoja osiguranja, postoji u delu profesora Kontantinovića. Iako u Skici za zakonik o obligacijama i ugovorima nisu regulisane sve vrste osiguranja koje čine aktuelnu pravnu stvarnost, naš uvaženi profesor kristalno jasno objašnjava da "osigurana suma koju oštećenik dobija od Državnog osiguravajućeg zavoda ne zamenjuje naknadu na koju on ima pravo po opštim pravilima o naknadi prouzrokovane štete od onoga koji je odgovoran za tu štetu". Ta formulacija predstavlja azbuku osiguranja, čija se aktuelnost nije izgubila ni danas. Štaviše, u fokusu je više nego ikada. Osloncem u delu profesora Konstantinovića, autorka argumentuje da je srpski regulatorni okvir - koji sva osiguranja posmatra iz skučene vizure imovinskih ili osiguranja lica - ograničavajući faktor razvitka tržišta osiguranja. Favorabilan pravni okvir ne ograničava usluge osiguranja prema vrsti osiguranja već uvažava tip pokrića i karakter ugovorene prestacije., Author arguments that the distinction between the right to compensation for damage and the right to the insured amount originates from the work of Mihailo Konstantinović. Although the Draft Law on Obligations and Contracts does not regulate all types of insurance, Konstantinović has clearly and precisely stated that "the insured amount received by the insured party from the insurance company does not replace compensation for damage to which the party is entitled, according to the general rules on compensation for damage." This wording has not lost its relevance today. Conversely, it is more relevant than ever. Based on the work of Mihailo Konstantinović, the author presents the argument that the Serbian regulatory framework is a limiting factor to the development of the insurance market. A favorable legal framework does not limit insurance according to the type of insurance, but recognizes the type of coverage and the nature of contracted obligation.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Aktuelnost razlikovanja prava na naknadu štete i prava na osiguranu sumu u delu Mihaila Konstantinovića - klasični instituti i moderno pravo osiguranja, Distinction between right to compensation for damages and right to the insured amount according to Mihailo Konstantinović: Classic institutes and modern law",
pages = "589-563",
number = "poseban",
volume = "70",
doi = "10.51204/Anali_PFBU_22MK20A",
url = "conv_568"
}

Petrović-Tomić, N.. (2022). Aktuelnost razlikovanja prava na naknadu štete i prava na osiguranu sumu u delu Mihaila Konstantinovića - klasični instituti i moderno pravo osiguranja. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 70(poseban), 563-589.
https://doi.org/10.51204/Anali_PFBU_22MK20A
conv_568

Petrović-Tomić N. Aktuelnost razlikovanja prava na naknadu štete i prava na osiguranu sumu u delu Mihaila Konstantinovića - klasični instituti i moderno pravo osiguranja. in Anali Pravnog fakulteta u Beogradu. 2022;70(poseban):563-589.
doi:10.51204/Anali_PFBU_22MK20A
conv_568 .

Petrović-Tomić, Nataša, "Aktuelnost razlikovanja prava na naknadu štete i prava na osiguranu sumu u delu Mihaila Konstantinovića - klasični instituti i moderno pravo osiguranja" in Anali Pravnog fakulteta u Beogradu, 70, no. poseban (2022):563-589,
https://doi.org/10.51204/Anali_PFBU_22MK20A .,
conv_568 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2021
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1250
AB  - U radu se analizira pandemija COVID-19 virusa iz ugla tržišta osiguranja. Autorka polazi od pretpostavke da su osiguravači jedini privredni subjekti koji mogu biti partneri države u postupku upravljanja rizikom pandemije. Naime, pandemija je katastrofalni i globalni rizik, i kao takva testira kapacitete ne samo tržišta (re)osiguranja, već i spremnost države da sinhronizovanom akcijom sa privatnim sektorom spremno odgovori novim izazovima. Pod tim primarno mislimo na saniranje ekonomskih posledica izazvanih korona virusom. Da bi mogli da ponude cenovno pristupačno osiguranje rizika korone, osiguravači treba da dobiju subvencije dela premija od države, kao i subvencije dela pokrivenih šteta. Partnerstvo države i sektora osiguranja ne završava se time. Država treba da preuzme proaktivnu ulogu u administriranju rizika pandemije i u edukaciji svih potencijalno oštećenih lica.
AB  - In the paper is analysed pandemic of COVID-19 from the point of view of insurance market. Author starts from the assumption that insurers are the only companies that could be partners of the state in the process of administration of pandemic risk. Namely, pandemic is a kind of catastrophic and global risk that put on test not only capacities of (re)insurance market but also the readiness of the state to respond to new challenges with synchronized action with the private sector. This primarily refers to the remediation of eco-bomb consequences caused by corona virus. In order to be able to offer affordable insurance of corona risk insurers should receive a subsidy of part of the premiums from the state as well as the subsidy of the part of covered damages. The state should assume proactive role in the process of administrating risk of pandemic and educating all potentially injured persons.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Osiguranje u doba korone - katastrofalni rizici u doba pandemije
T1  - Insurance in the time of corona virus: Catastrophic risks in the light of pandemic
EP  - 344
IS  - 3
SP  - 326
VL  - 59
DO  - 10.5937/PiP2103326P
UR  - conv_2344
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2021",
abstract = "U radu se analizira pandemija COVID-19 virusa iz ugla tržišta osiguranja. Autorka polazi od pretpostavke da su osiguravači jedini privredni subjekti koji mogu biti partneri države u postupku upravljanja rizikom pandemije. Naime, pandemija je katastrofalni i globalni rizik, i kao takva testira kapacitete ne samo tržišta (re)osiguranja, već i spremnost države da sinhronizovanom akcijom sa privatnim sektorom spremno odgovori novim izazovima. Pod tim primarno mislimo na saniranje ekonomskih posledica izazvanih korona virusom. Da bi mogli da ponude cenovno pristupačno osiguranje rizika korone, osiguravači treba da dobiju subvencije dela premija od države, kao i subvencije dela pokrivenih šteta. Partnerstvo države i sektora osiguranja ne završava se time. Država treba da preuzme proaktivnu ulogu u administriranju rizika pandemije i u edukaciji svih potencijalno oštećenih lica., In the paper is analysed pandemic of COVID-19 from the point of view of insurance market. Author starts from the assumption that insurers are the only companies that could be partners of the state in the process of administration of pandemic risk. Namely, pandemic is a kind of catastrophic and global risk that put on test not only capacities of (re)insurance market but also the readiness of the state to respond to new challenges with synchronized action with the private sector. This primarily refers to the remediation of eco-bomb consequences caused by corona virus. In order to be able to offer affordable insurance of corona risk insurers should receive a subsidy of part of the premiums from the state as well as the subsidy of the part of covered damages. The state should assume proactive role in the process of administrating risk of pandemic and educating all potentially injured persons.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Osiguranje u doba korone - katastrofalni rizici u doba pandemije, Insurance in the time of corona virus: Catastrophic risks in the light of pandemic",
pages = "344-326",
number = "3",
volume = "59",
doi = "10.5937/PiP2103326P",
url = "conv_2344"
}

Petrović-Tomić, N.. (2021). Osiguranje u doba korone - katastrofalni rizici u doba pandemije. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 59(3), 326-344.
https://doi.org/10.5937/PiP2103326P
conv_2344

Petrović-Tomić N. Osiguranje u doba korone - katastrofalni rizici u doba pandemije. in Pravo i privreda. 2021;59(3):326-344.
doi:10.5937/PiP2103326P
conv_2344 .

Petrović-Tomić, Nataša, "Osiguranje u doba korone - katastrofalni rizici u doba pandemije" in Pravo i privreda, 59, no. 3 (2021):326-344,
https://doi.org/10.5937/PiP2103326P .,
conv_2344 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2020
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1187
AB  - Autorka se bavi teorijskom analizom klauzule o vođenju spora u modernom osiguranju od odgovornosti. Najpre ukazuje na osobenost osiguranja od odgovornosti, čija zaštitna funkcija nije ograničena samo na pokriće odštetnih zahteva protiv osiguranika (ekonomska zaštita), već se odnosi i na pružanje pravne zaštite. Upravo klauzule o vođenju spora čine srž pravne zaštite osiguranika. Autorka posmatra pomenute klauzule iz ugla njihove uklopljenosti u standarde zaštite potrošača usluga osiguranja. Nakon upoznavanja sa delegacijom procesnih ovlašćenja i stepenom ugrožavanja procesnih sloboda osiguranika, autorka se zalaže za zakonsko uređenje sadržine ovih klauzula, tj. uvođenje granica procesnih ovlašćenja koje pruža osiguravaču. Klauzula o zabrani poravnanja i klauzula o zabrani priznanja odgovornosti obrađene su u nameri da se ukaže na nastojanje osiguravača da putem ovih klauzula ostvari potpunu kontrolu nad procesnim držanjem osiguranika. Autorka zaključuje da se ni jedna od pomenutih klauzula ne može tumačiti na način da zabranjuje osiguraniku da se "meša" u sporove koji se protiv njega vode. Razlozi javnog poretka i očuvanja prava na pravnu zaštitu govore protiv takvog tumačenja.
AB  - Author is dealing with theoretical analyses of direction of process clause in modern liability insurance. Firstly points at peculiarity of liability insurance whose protection function is not limited only to coverage of compensation claims against insured party (economic protection), but also relates on legal protection. Direction of process clauses makes the core of legal protection of insured. Author observes mentioned clauses from the point of view of compatibility with the standards of consumer protection. Having in mind that direction of process clause leads to the delegation of procedural authorities and that represents some degree of violation of procedural freedoms of insured, author is advocating for statutory regulation of its content.Settlement clause and clause prohibiting the recognition of liability has been processed with the intention to point out to the insurer's eff orts to take complete control over procedural behavior of the insured. Author concludes that none of the mentioned clausescan be interpreted in such a way to forbid the insured to get involved in proceedings against him. Public policy as well as the right on legal protection speaks against such interpretation.
PB  - Udruženje za pravo osiguranja Srbije, Beograd
T2  - Evropska revija za pravo osiguranja
T1  - Klauzula o vođenju spora u modernom pravu osiguranja
T1  - Direction of process clause in modern insurance law
EP  - 30
IS  - 2
SP  - 19
VL  - 19
UR  - conv_2856
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2020",
abstract = "Autorka se bavi teorijskom analizom klauzule o vođenju spora u modernom osiguranju od odgovornosti. Najpre ukazuje na osobenost osiguranja od odgovornosti, čija zaštitna funkcija nije ograničena samo na pokriće odštetnih zahteva protiv osiguranika (ekonomska zaštita), već se odnosi i na pružanje pravne zaštite. Upravo klauzule o vođenju spora čine srž pravne zaštite osiguranika. Autorka posmatra pomenute klauzule iz ugla njihove uklopljenosti u standarde zaštite potrošača usluga osiguranja. Nakon upoznavanja sa delegacijom procesnih ovlašćenja i stepenom ugrožavanja procesnih sloboda osiguranika, autorka se zalaže za zakonsko uređenje sadržine ovih klauzula, tj. uvođenje granica procesnih ovlašćenja koje pruža osiguravaču. Klauzula o zabrani poravnanja i klauzula o zabrani priznanja odgovornosti obrađene su u nameri da se ukaže na nastojanje osiguravača da putem ovih klauzula ostvari potpunu kontrolu nad procesnim držanjem osiguranika. Autorka zaključuje da se ni jedna od pomenutih klauzula ne može tumačiti na način da zabranjuje osiguraniku da se "meša" u sporove koji se protiv njega vode. Razlozi javnog poretka i očuvanja prava na pravnu zaštitu govore protiv takvog tumačenja., Author is dealing with theoretical analyses of direction of process clause in modern liability insurance. Firstly points at peculiarity of liability insurance whose protection function is not limited only to coverage of compensation claims against insured party (economic protection), but also relates on legal protection. Direction of process clauses makes the core of legal protection of insured. Author observes mentioned clauses from the point of view of compatibility with the standards of consumer protection. Having in mind that direction of process clause leads to the delegation of procedural authorities and that represents some degree of violation of procedural freedoms of insured, author is advocating for statutory regulation of its content.Settlement clause and clause prohibiting the recognition of liability has been processed with the intention to point out to the insurer's eff orts to take complete control over procedural behavior of the insured. Author concludes that none of the mentioned clausescan be interpreted in such a way to forbid the insured to get involved in proceedings against him. Public policy as well as the right on legal protection speaks against such interpretation.",
publisher = "Udruženje za pravo osiguranja Srbije, Beograd",
journal = "Evropska revija za pravo osiguranja",
title = "Klauzula o vođenju spora u modernom pravu osiguranja, Direction of process clause in modern insurance law",
pages = "30-19",
number = "2",
volume = "19",
url = "conv_2856"
}

Petrović-Tomić, N.. (2020). Klauzula o vođenju spora u modernom pravu osiguranja. in Evropska revija za pravo osiguranja
Udruženje za pravo osiguranja Srbije, Beograd., 19(2), 19-30.
conv_2856

Petrović-Tomić N. Klauzula o vođenju spora u modernom pravu osiguranja. in Evropska revija za pravo osiguranja. 2020;19(2):19-30.
conv_2856 .

Petrović-Tomić, Nataša, "Klauzula o vođenju spora u modernom pravu osiguranja" in Evropska revija za pravo osiguranja, 19, no. 2 (2020):19-30,
conv_2856 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2020
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1231
AB  - Autorka analizira primenu principa slobode ugovaranja na primeru ugovora o osiguranju, posebno onih potrošačkih. Na osnovu pozitivnopravne i uporednopravne analize uočene su dve determinante zakonskog uređenja ugovorne materije osiguranja. Prva je ograničena sloboda ugovaranja, koju autorka smatra vrhovnim načelom ugovornog prava osiguranja. Autorka navodi brojne primere u prilog tvrdnje da u ugovornom pravu osiguranja postoje ograničenja u slobodi odlučivanja da li će se ugovor zaključiti, u slobodi izbora saugovarača i slobodi uređivanja ugovornog odnosa osiguranja. Druga determinanta ugovornog prava osiguranja jeste usmerena sloboda ugovaranja, koja se ostvaruje tehnikom poluimperativnih normi. Zahvaljujući polukogentnom metodu zakonodavac postiže višestruke pravnopolitičke ciljeve, od kojih su najbitniji obezbeđenje zaštite potrošača usluga osiguranja i omogućavanje ugovornim stranama da ugovor u određenoj meri prilagode svojim potrebama. Autorka zaključuje da i u modernim kodifikacijama dominira nova paradigma slobode ugovoranja i zalaže se da srpsko pravo usvoji isti zakonodavni metod prilikom usvajanja lex specialis propisa o ugovoru o osiguranju.
AB  - The purpose of this article is to highlight the principle of freedom of contracting in the field of insurance contract. Based on Serbian law as it currently stands as well as comparative legal analysis two features of legal regulation of insurance contract are addressed. The first one is called restricted freedom of contracting, which is in our opinion one of the principles of modern insurance contract law. The second mark of insurance contract law is directed freedom of contracting realized by the technics of semi-imperative provisions. Thanks to the semi-imperative method the legislator achieves multiple goals, and such an intervention is, in our opinion, reasonable and necessary due to the protection of the weaker party and creating stimulating regulatory frame to the contracting parties. To conclude with the author advocates the adaption of the new Law on insurance contracts in Serbia as possibly significant step forward in developing insurance law.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - O ograničenoj i usmerenoj slobodi ugovaranja u ugovornom pravu osiguranja - fenomen "pokoravanja" ugovora o osiguranju
T1  - About restricted and directed freedom of contracting in insurance contract law
EP  - 125
IS  - 1
SP  - 100
VL  - 68
DO  - 10.5937/AnaliPFB2001100P
UR  - conv_507
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2020",
abstract = "Autorka analizira primenu principa slobode ugovaranja na primeru ugovora o osiguranju, posebno onih potrošačkih. Na osnovu pozitivnopravne i uporednopravne analize uočene su dve determinante zakonskog uređenja ugovorne materije osiguranja. Prva je ograničena sloboda ugovaranja, koju autorka smatra vrhovnim načelom ugovornog prava osiguranja. Autorka navodi brojne primere u prilog tvrdnje da u ugovornom pravu osiguranja postoje ograničenja u slobodi odlučivanja da li će se ugovor zaključiti, u slobodi izbora saugovarača i slobodi uređivanja ugovornog odnosa osiguranja. Druga determinanta ugovornog prava osiguranja jeste usmerena sloboda ugovaranja, koja se ostvaruje tehnikom poluimperativnih normi. Zahvaljujući polukogentnom metodu zakonodavac postiže višestruke pravnopolitičke ciljeve, od kojih su najbitniji obezbeđenje zaštite potrošača usluga osiguranja i omogućavanje ugovornim stranama da ugovor u određenoj meri prilagode svojim potrebama. Autorka zaključuje da i u modernim kodifikacijama dominira nova paradigma slobode ugovoranja i zalaže se da srpsko pravo usvoji isti zakonodavni metod prilikom usvajanja lex specialis propisa o ugovoru o osiguranju., The purpose of this article is to highlight the principle of freedom of contracting in the field of insurance contract. Based on Serbian law as it currently stands as well as comparative legal analysis two features of legal regulation of insurance contract are addressed. The first one is called restricted freedom of contracting, which is in our opinion one of the principles of modern insurance contract law. The second mark of insurance contract law is directed freedom of contracting realized by the technics of semi-imperative provisions. Thanks to the semi-imperative method the legislator achieves multiple goals, and such an intervention is, in our opinion, reasonable and necessary due to the protection of the weaker party and creating stimulating regulatory frame to the contracting parties. To conclude with the author advocates the adaption of the new Law on insurance contracts in Serbia as possibly significant step forward in developing insurance law.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "O ograničenoj i usmerenoj slobodi ugovaranja u ugovornom pravu osiguranja - fenomen "pokoravanja" ugovora o osiguranju, About restricted and directed freedom of contracting in insurance contract law",
pages = "125-100",
number = "1",
volume = "68",
doi = "10.5937/AnaliPFB2001100P",
url = "conv_507"
}

Petrović-Tomić, N.. (2020). O ograničenoj i usmerenoj slobodi ugovaranja u ugovornom pravu osiguranja - fenomen "pokoravanja" ugovora o osiguranju. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 68(1), 100-125.
https://doi.org/10.5937/AnaliPFB2001100P
conv_507

Petrović-Tomić N. O ograničenoj i usmerenoj slobodi ugovaranja u ugovornom pravu osiguranja - fenomen "pokoravanja" ugovora o osiguranju. in Anali Pravnog fakulteta u Beogradu. 2020;68(1):100-125.
doi:10.5937/AnaliPFB2001100P
conv_507 .

Petrović-Tomić, Nataša, "O ograničenoj i usmerenoj slobodi ugovaranja u ugovornom pravu osiguranja - fenomen "pokoravanja" ugovora o osiguranju" in Anali Pravnog fakulteta u Beogradu, 68, no. 1 (2020):100-125,
https://doi.org/10.5937/AnaliPFB2001100P .,
conv_507 .

TY  - JOUR
AU  - Vasiljević, Mirko
AU  - Petrović-Tomić, Nataša
PY  - 2020
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1195
AB  - Autori otvaraju pitanje odgovornosti članova uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja, kao i neprimerenih radnji i uticaja koji mogu ugroziti najbolji interes društva ili naneti štetu društvu. Ovaj modalitet odgovornosti predstavlja odstupanje od opšteg statusnog režima, koji doprinosi povećanju stepena lične odgovornosti članova uprave u sektoru osiguranja. Pošavši od toga da kandidati za članove uprave u oblasti osi - guranja treba da ispune uslove vezane za poznavanje struke osiguranja, profesionalno iskustvo i profesionalni i moralni integritet, autori smatraju da se od njih osnovano očekuje da identifikuju, prate i spreče rizike koji ugrožavaju najbolji interes društva. Oni u svom poslovanju treba da se pridržavaju pravila struke osiguranja, da implementiraju odgovarajuću strategiju upravljanja rizicima i da pravovremeno spreče transakcije kojima se povređuje klauzula zabrane sukoba interesa u pravu osiguranja. Autori zaključuju da je sektorski zakonodavac obezbedio bolju zaštitu društvima u oblasti osiguranja od nezakonitih i neprimerenih uplitanja prvenstveno kontrolnih akcionara.
AB  - Authors open the issue of liability of the insurance company management (the supervisory and the executive board) for the prevention of unlawful and inappropriate actions and influences which are harmful for or are not in the best interest of the company and its shareholders, and which are performed by persons who are closely related to the company - in order to protect consumers of insurance services. In this context, the authors point out the main issues addressed in this work: the Insurance Law has introduced a special regime for transactions with related persons, which deviates from the general company regime stipulated by the Company Law and has contributed to an excessive level of personal liability of the board members in the sector of insurance. However, laws cannot regulate all the different situations that might be encountered in the course of business, and they do not need to. For that purpose, certain "core" principles to be followed in all management situations have been established for board members. These are related to the fact that reliability of candidates for board directors in the sector of insurance shall be verified when deciding about the license to work as a director. For that reason, a management board member can be expected to be aware of all risks that could affect the best interest of the company, to identify it rightly and to prevent unlawful business operations. What they need to do is to comply with the insurance rules of profession, to implement an appropriate risk management strategy and to prevent all transactions contrary to the conflict of interest clause. Authors conclude that companies in the insurance sector are better protected against conflict of interest of the controlling shareholder with the company interest than companies in general company law regime.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Odgovornost uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja
T1  - Liability of company management for preventing unlawful business operations of insurance company
EP  - 39
IS  - 1
SP  - 7
VL  - 58
DO  - 10.5937/PiP2001007X
UR  - conv_2314
ER  - 

@article{
author = "Vasiljević, Mirko and Petrović-Tomić, Nataša",
year = "2020",
abstract = "Autori otvaraju pitanje odgovornosti članova uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja, kao i neprimerenih radnji i uticaja koji mogu ugroziti najbolji interes društva ili naneti štetu društvu. Ovaj modalitet odgovornosti predstavlja odstupanje od opšteg statusnog režima, koji doprinosi povećanju stepena lične odgovornosti članova uprave u sektoru osiguranja. Pošavši od toga da kandidati za članove uprave u oblasti osi - guranja treba da ispune uslove vezane za poznavanje struke osiguranja, profesionalno iskustvo i profesionalni i moralni integritet, autori smatraju da se od njih osnovano očekuje da identifikuju, prate i spreče rizike koji ugrožavaju najbolji interes društva. Oni u svom poslovanju treba da se pridržavaju pravila struke osiguranja, da implementiraju odgovarajuću strategiju upravljanja rizicima i da pravovremeno spreče transakcije kojima se povređuje klauzula zabrane sukoba interesa u pravu osiguranja. Autori zaključuju da je sektorski zakonodavac obezbedio bolju zaštitu društvima u oblasti osiguranja od nezakonitih i neprimerenih uplitanja prvenstveno kontrolnih akcionara., Authors open the issue of liability of the insurance company management (the supervisory and the executive board) for the prevention of unlawful and inappropriate actions and influences which are harmful for or are not in the best interest of the company and its shareholders, and which are performed by persons who are closely related to the company - in order to protect consumers of insurance services. In this context, the authors point out the main issues addressed in this work: the Insurance Law has introduced a special regime for transactions with related persons, which deviates from the general company regime stipulated by the Company Law and has contributed to an excessive level of personal liability of the board members in the sector of insurance. However, laws cannot regulate all the different situations that might be encountered in the course of business, and they do not need to. For that purpose, certain "core" principles to be followed in all management situations have been established for board members. These are related to the fact that reliability of candidates for board directors in the sector of insurance shall be verified when deciding about the license to work as a director. For that reason, a management board member can be expected to be aware of all risks that could affect the best interest of the company, to identify it rightly and to prevent unlawful business operations. What they need to do is to comply with the insurance rules of profession, to implement an appropriate risk management strategy and to prevent all transactions contrary to the conflict of interest clause. Authors conclude that companies in the insurance sector are better protected against conflict of interest of the controlling shareholder with the company interest than companies in general company law regime.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Odgovornost uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja, Liability of company management for preventing unlawful business operations of insurance company",
pages = "39-7",
number = "1",
volume = "58",
doi = "10.5937/PiP2001007X",
url = "conv_2314"
}

Vasiljević, M.,& Petrović-Tomić, N.. (2020). Odgovornost uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 58(1), 7-39.
https://doi.org/10.5937/PiP2001007X
conv_2314

Vasiljević M, Petrović-Tomić N. Odgovornost uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja. in Pravo i privreda. 2020;58(1):7-39.
doi:10.5937/PiP2001007X
conv_2314 .

Vasiljević, Mirko, Petrović-Tomić, Nataša, "Odgovornost uprave akcionarskog društva za osiguranje za sprečavanje nezakonitog poslovanja" in Pravo i privreda, 58, no. 1 (2020):7-39,
https://doi.org/10.5937/PiP2001007X .,
conv_2314 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2020
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1216
AB  - The article analyzes the relationship between the institutions of liability and liability insurance, aimed at identifying the modalities of their interaction. Insurance indisputably affects the development and scope of tort law, but this influence is not one-sided. At the present development level it has been noted that liability insurance also plays an indispensable role in indemnity litigation. The development path of liability insurance shows that the developed legal order entails two mutually compatible systems. Whilst objective liability for damages is the response to numerous activities that render realistic the possibility of causing damage to others, regardless of whether the damage could have been avoided through cautious behavior, liability insurance is the response to the changed regulatory framework, which leads to liability reaching unprecedented proportions. Therefore, the author concludes that insurance does not threaten to substitute the principle of compensatory damages with the logic of loss-spreading.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Liability insurance as a (social) response to the changing regulatory framework: From prohibited to compulsory
EP  - 97
IS  - 4
SP  - 80
VL  - 68
DO  - 10.51204/Anali_PFUB_20404A
UR  - conv_529
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2020",
abstract = "The article analyzes the relationship between the institutions of liability and liability insurance, aimed at identifying the modalities of their interaction. Insurance indisputably affects the development and scope of tort law, but this influence is not one-sided. At the present development level it has been noted that liability insurance also plays an indispensable role in indemnity litigation. The development path of liability insurance shows that the developed legal order entails two mutually compatible systems. Whilst objective liability for damages is the response to numerous activities that render realistic the possibility of causing damage to others, regardless of whether the damage could have been avoided through cautious behavior, liability insurance is the response to the changed regulatory framework, which leads to liability reaching unprecedented proportions. Therefore, the author concludes that insurance does not threaten to substitute the principle of compensatory damages with the logic of loss-spreading.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Liability insurance as a (social) response to the changing regulatory framework: From prohibited to compulsory",
pages = "97-80",
number = "4",
volume = "68",
doi = "10.51204/Anali_PFUB_20404A",
url = "conv_529"
}

Petrović-Tomić, N.. (2020). Liability insurance as a (social) response to the changing regulatory framework: From prohibited to compulsory. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 68(4), 80-97.
https://doi.org/10.51204/Anali_PFUB_20404A
conv_529

Petrović-Tomić N. Liability insurance as a (social) response to the changing regulatory framework: From prohibited to compulsory. in Anali Pravnog fakulteta u Beogradu. 2020;68(4):80-97.
doi:10.51204/Anali_PFUB_20404A
conv_529 .

Petrović-Tomić, Nataša, "Liability insurance as a (social) response to the changing regulatory framework: From prohibited to compulsory" in Anali Pravnog fakulteta u Beogradu, 68, no. 4 (2020):80-97,
https://doi.org/10.51204/Anali_PFUB_20404A .,
conv_529 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2019
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1106
AB  - Autorka iznosi stanovište da je ključna novina Direktive o distribuciji osiguranja načelo poštenog, korektnog i profesionalnog postupanja distributera u najboljem interesu potrošača usluga osiguranja. Autorka smatra da je najveći doprinos novog regulatornog okvira isticanje značaja nepravne komponente za vođenje poslovanja svih distributera osiguranja, te stoga govori o uvođenju fiducijarne dužnosti. Isticanjem u prvi plan poverenja kao kičmenog stuba novog sistema distribucije osiguranja evropski zakonodavac je imao nameru da suzbije nepoštenu prodaju osiguranja kao jedan od najvećih izazova na tržištu osiguranja. Autorka iznosi mišljenje da je za potrebe implementacije Direktive o distribuciji osiguranja u naše pravo neophodno hitno usvajanje kodeksa poslovne etike u poslovima osiguranja i reosiguranja. Ovim izvorom bi bili pomenuti oblici nepoštene i nekorektne prakse distributera osiguranja, što bi moglo biti od velike pomoći nadzornog telu prilikom ocene da li je konkretni distributer zaista postupao prema načelu najboljeg interesa potrošača.
AB  - The present work provides an approach to the main change brought to the insurance market by the introduction of the Directive on insurance distribution. It is the principle that insurance distributors always act honestly, fairly and professionally in accordance with the best interest of their consumers. According to the author the new regulatory framework offers a highly protective standard as it implies the need to pursue the consumer's interests above the distributors' interests. In this way such an obligation has a pervasive role in ensuring protection of the weaker party in trust-based relationships. In the mentioned context the author is talking about the insurance distributors' fiduciary duty as an instrument with the primary aim of raising consumer confidence. This regulatory technique that combines the best interest duty with the companion duty to act honestly, fairly and professionally becomes the backbone of the new system of distribution. The European legislator has had intention to eliminate incorrect selling of insurance products as a form of the unfair product distribution. Author concludes that the Distribution directive falls short of clarifying with sufficient precision the implications of the best interest duty. That is why Serbia urgently needs adoption of business ethics code for insurance and reinsurance.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Načelo postupanja distributera osiguranja u najboljem interesu potrošača - usluga osiguranja - fiducijarna dužnost distributera
T1  - Principle that insurance distributors should act in the consumer's best interest: Distributor's fiduciary duty
EP  - 524
IS  - 7-9
SP  - 501
VL  - 57
UR  - conv_2305
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2019",
abstract = "Autorka iznosi stanovište da je ključna novina Direktive o distribuciji osiguranja načelo poštenog, korektnog i profesionalnog postupanja distributera u najboljem interesu potrošača usluga osiguranja. Autorka smatra da je najveći doprinos novog regulatornog okvira isticanje značaja nepravne komponente za vođenje poslovanja svih distributera osiguranja, te stoga govori o uvođenju fiducijarne dužnosti. Isticanjem u prvi plan poverenja kao kičmenog stuba novog sistema distribucije osiguranja evropski zakonodavac je imao nameru da suzbije nepoštenu prodaju osiguranja kao jedan od najvećih izazova na tržištu osiguranja. Autorka iznosi mišljenje da je za potrebe implementacije Direktive o distribuciji osiguranja u naše pravo neophodno hitno usvajanje kodeksa poslovne etike u poslovima osiguranja i reosiguranja. Ovim izvorom bi bili pomenuti oblici nepoštene i nekorektne prakse distributera osiguranja, što bi moglo biti od velike pomoći nadzornog telu prilikom ocene da li je konkretni distributer zaista postupao prema načelu najboljeg interesa potrošača., The present work provides an approach to the main change brought to the insurance market by the introduction of the Directive on insurance distribution. It is the principle that insurance distributors always act honestly, fairly and professionally in accordance with the best interest of their consumers. According to the author the new regulatory framework offers a highly protective standard as it implies the need to pursue the consumer's interests above the distributors' interests. In this way such an obligation has a pervasive role in ensuring protection of the weaker party in trust-based relationships. In the mentioned context the author is talking about the insurance distributors' fiduciary duty as an instrument with the primary aim of raising consumer confidence. This regulatory technique that combines the best interest duty with the companion duty to act honestly, fairly and professionally becomes the backbone of the new system of distribution. The European legislator has had intention to eliminate incorrect selling of insurance products as a form of the unfair product distribution. Author concludes that the Distribution directive falls short of clarifying with sufficient precision the implications of the best interest duty. That is why Serbia urgently needs adoption of business ethics code for insurance and reinsurance.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Načelo postupanja distributera osiguranja u najboljem interesu potrošača - usluga osiguranja - fiducijarna dužnost distributera, Principle that insurance distributors should act in the consumer's best interest: Distributor's fiduciary duty",
pages = "524-501",
number = "7-9",
volume = "57",
url = "conv_2305"
}

Petrović-Tomić, N.. (2019). Načelo postupanja distributera osiguranja u najboljem interesu potrošača - usluga osiguranja - fiducijarna dužnost distributera. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 57(7-9), 501-524.
conv_2305

Petrović-Tomić N. Načelo postupanja distributera osiguranja u najboljem interesu potrošača - usluga osiguranja - fiducijarna dužnost distributera. in Pravo i privreda. 2019;57(7-9):501-524.
conv_2305 .

Petrović-Tomić, Nataša, "Načelo postupanja distributera osiguranja u najboljem interesu potrošača - usluga osiguranja - fiducijarna dužnost distributera" in Pravo i privreda, 57, no. 7-9 (2019):501-524,
conv_2305 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2018
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1024
AB  - Autorka se bavi proučavanjem zastupljenosti arbitraže u onom delu sektora osiguranja koji je ostao izvan optike potrošačkih trendova. Reč je o komercijalnim osiguranjima i reosiguranju. Budući da je arbitraža vrlo razvijena u uporednom pravu i praksi osiguranja, autorka govori o kulturi arbitražnog rešavanja sporova. Pomenuti fenomen je posledica svih pogodnosti koje arbitraža kao svojevrsni privatni sud donosi profesionalnicima iz sveta osiguranja: počev od brzine odlučivanja preko fleksibilnosti u pogledu izbora merodavnog prava do izbora arbitara specijalizovanih ne samo za pravna, već i za tehnička pitanja poslova osiguranja i reosiguranja. Prema mišljenju autorke, ključna pogodnost arbitraže za profesionalce osiguranja je izbegavanjealeatornosti ishoda i trajanja sudskog postupka. Sudska aleatornost najviše tangira poslovni svet, zbog čega privrednicima više odgovara da ugovorom unapred predvide vansudsko telo i proceduru rešavanja potencijalnih sporova. U cilju promovisanja arbitraže u našem pravu, a po ugledu na rešenja iz prvoklasnih pravnih sistema, autorka se zalaže za osnivanje Arbitražnog centra za rešavanje sporova iz osiguranja i reosiguranja pri Udruženju osiguravača Srbije.
AB  - In this paper author is dealing with the presence of arbitration in the part of the insurance sector that is outside of consumer trends. It is about commercial insurances and reinsurance. Having in mind that disputes settlement before arbitration is widely developed in comparative law and practice author is speaking about culture of arbitration. Mentioned phenomenon is a consequence of all conveniences related with arbitration as a private jurisdiction: starting from the time necessary to make decision across flexibility of determination of applicable law to an election of arbitrators specialized not only for legal but also for technical issues of insurance and reinsurance. According to the author the key advantage of arbitration for insurance professionals is avoidance of uncertain outcome of judicial proceeding as well as the duration of the proceeding. Judicial uncertainty mostly affects businessmen. That's why business world prefers to predict ahead body of alternative dispute resolution and the procedure before this body. In order to promote arbitration in Serbian law - based on solutions from the best legal systems - author is advocating for the establishment of Arbitration Center for insurance and reinsurance disputes at the Insurance Association of Serbia.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Kultura arbitražnog rešavanja sporova iz osiguranja velikih rizika i reosiguranja - zaštita od sudske aleatornosti
T1  - Culture of arbitration in insurance of large risks and reinsurance: Protection against uncertain character of judicial proceeding
EP  - 291
IS  - 7-9
SP  - 266
VL  - 56
UR  - conv_2259
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2018",
abstract = "Autorka se bavi proučavanjem zastupljenosti arbitraže u onom delu sektora osiguranja koji je ostao izvan optike potrošačkih trendova. Reč je o komercijalnim osiguranjima i reosiguranju. Budući da je arbitraža vrlo razvijena u uporednom pravu i praksi osiguranja, autorka govori o kulturi arbitražnog rešavanja sporova. Pomenuti fenomen je posledica svih pogodnosti koje arbitraža kao svojevrsni privatni sud donosi profesionalnicima iz sveta osiguranja: počev od brzine odlučivanja preko fleksibilnosti u pogledu izbora merodavnog prava do izbora arbitara specijalizovanih ne samo za pravna, već i za tehnička pitanja poslova osiguranja i reosiguranja. Prema mišljenju autorke, ključna pogodnost arbitraže za profesionalce osiguranja je izbegavanjealeatornosti ishoda i trajanja sudskog postupka. Sudska aleatornost najviše tangira poslovni svet, zbog čega privrednicima više odgovara da ugovorom unapred predvide vansudsko telo i proceduru rešavanja potencijalnih sporova. U cilju promovisanja arbitraže u našem pravu, a po ugledu na rešenja iz prvoklasnih pravnih sistema, autorka se zalaže za osnivanje Arbitražnog centra za rešavanje sporova iz osiguranja i reosiguranja pri Udruženju osiguravača Srbije., In this paper author is dealing with the presence of arbitration in the part of the insurance sector that is outside of consumer trends. It is about commercial insurances and reinsurance. Having in mind that disputes settlement before arbitration is widely developed in comparative law and practice author is speaking about culture of arbitration. Mentioned phenomenon is a consequence of all conveniences related with arbitration as a private jurisdiction: starting from the time necessary to make decision across flexibility of determination of applicable law to an election of arbitrators specialized not only for legal but also for technical issues of insurance and reinsurance. According to the author the key advantage of arbitration for insurance professionals is avoidance of uncertain outcome of judicial proceeding as well as the duration of the proceeding. Judicial uncertainty mostly affects businessmen. That's why business world prefers to predict ahead body of alternative dispute resolution and the procedure before this body. In order to promote arbitration in Serbian law - based on solutions from the best legal systems - author is advocating for the establishment of Arbitration Center for insurance and reinsurance disputes at the Insurance Association of Serbia.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Kultura arbitražnog rešavanja sporova iz osiguranja velikih rizika i reosiguranja - zaštita od sudske aleatornosti, Culture of arbitration in insurance of large risks and reinsurance: Protection against uncertain character of judicial proceeding",
pages = "291-266",
number = "7-9",
volume = "56",
url = "conv_2259"
}

Petrović-Tomić, N.. (2018). Kultura arbitražnog rešavanja sporova iz osiguranja velikih rizika i reosiguranja - zaštita od sudske aleatornosti. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 56(7-9), 266-291.
conv_2259

Petrović-Tomić N. Kultura arbitražnog rešavanja sporova iz osiguranja velikih rizika i reosiguranja - zaštita od sudske aleatornosti. in Pravo i privreda. 2018;56(7-9):266-291.
conv_2259 .

Petrović-Tomić, Nataša, "Kultura arbitražnog rešavanja sporova iz osiguranja velikih rizika i reosiguranja - zaštita od sudske aleatornosti" in Pravo i privreda, 56, no. 7-9 (2018):266-291,
conv_2259 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2017
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/980
AB  - Iako prilično rasprostranjeno u praksi domaćih banaka, osiguranje sposobnosti vraćanja kredita predstavlja nepoznanicu za prosečnog potrošača finansijskih usluga. Autorka nastoji da objasni mehanizam tog proizvoda osiguranja, sa akcentom na potencijalno negativne strane uočene u domaćoj praksi osiguranja. Budući da iznosi dovoljno argumenata u prilog tvrdnje da je korisnik kredita ugroženi potrošač, radi unapređenja domaćeg prava, autorka predlaže da se uvede štedna komponenta u osiguranje sposobnosti vraćanja kredita koje pokriva rizik smrti osiguranika. Autorka se zalaže i za unapređenje osiguravajuće zaštite u smislu obuhvatanja platežne sposobnosti osiguranika uopšte, a ne samo u vezi sa vraćanjem potrošačkog kredita. Autorka zaključuje da je osiguranje sposobnosti vraćanja kredita u srpskoj praksi osiguranja trenutno visokorizičan posao, zaključen protivno interesima osiguranika. Stoga je neophodna revizija uslova osiguranja domaćih osiguravača i obvezivanje banaka na poštovanje zakonskih obaveza, a najpre obaveze informisanja.
AB  - Although fairly widespread in the practice of domestic banks, payment protection insurance represents something very unknown to the average consumer of financial services. Author intends to explain mechanism of mentioned product of insurance with emphasis on potential negative effects notices in the practice of insurance. Since the author gives enough arguments in favour of the statement that credit consumer is vulnerable consumer she proposes the introduction of saving component in payment protection insurance which covers death of the insured person. The point is to harmonize our law with comparative law. In order to secure better protection of insured it is recommended to expand insurance coverage. Author concludes that payment protection insurance currently represents highly risky transaction in Serbian practice of insurance, concluded contrary to the interests of insured. It is necessary to revise the general conditions of insurance of domestic insurers as well as oblige banks to meet legal obligations, especially the duty to inform insured.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Ugovor o osiguranju sposobnosti vraćanja kredita
T1  - Contract of payment protection insurance
EP  - 112
IS  - 2
SP  - 91
VL  - 65
DO  - 10.5937/AnaliPFB1702091P
UR  - conv_426
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2017",
abstract = "Iako prilično rasprostranjeno u praksi domaćih banaka, osiguranje sposobnosti vraćanja kredita predstavlja nepoznanicu za prosečnog potrošača finansijskih usluga. Autorka nastoji da objasni mehanizam tog proizvoda osiguranja, sa akcentom na potencijalno negativne strane uočene u domaćoj praksi osiguranja. Budući da iznosi dovoljno argumenata u prilog tvrdnje da je korisnik kredita ugroženi potrošač, radi unapređenja domaćeg prava, autorka predlaže da se uvede štedna komponenta u osiguranje sposobnosti vraćanja kredita koje pokriva rizik smrti osiguranika. Autorka se zalaže i za unapređenje osiguravajuće zaštite u smislu obuhvatanja platežne sposobnosti osiguranika uopšte, a ne samo u vezi sa vraćanjem potrošačkog kredita. Autorka zaključuje da je osiguranje sposobnosti vraćanja kredita u srpskoj praksi osiguranja trenutno visokorizičan posao, zaključen protivno interesima osiguranika. Stoga je neophodna revizija uslova osiguranja domaćih osiguravača i obvezivanje banaka na poštovanje zakonskih obaveza, a najpre obaveze informisanja., Although fairly widespread in the practice of domestic banks, payment protection insurance represents something very unknown to the average consumer of financial services. Author intends to explain mechanism of mentioned product of insurance with emphasis on potential negative effects notices in the practice of insurance. Since the author gives enough arguments in favour of the statement that credit consumer is vulnerable consumer she proposes the introduction of saving component in payment protection insurance which covers death of the insured person. The point is to harmonize our law with comparative law. In order to secure better protection of insured it is recommended to expand insurance coverage. Author concludes that payment protection insurance currently represents highly risky transaction in Serbian practice of insurance, concluded contrary to the interests of insured. It is necessary to revise the general conditions of insurance of domestic insurers as well as oblige banks to meet legal obligations, especially the duty to inform insured.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Ugovor o osiguranju sposobnosti vraćanja kredita, Contract of payment protection insurance",
pages = "112-91",
number = "2",
volume = "65",
doi = "10.5937/AnaliPFB1702091P",
url = "conv_426"
}

Petrović-Tomić, N.. (2017). Ugovor o osiguranju sposobnosti vraćanja kredita. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 65(2), 91-112.
https://doi.org/10.5937/AnaliPFB1702091P
conv_426

Petrović-Tomić N. Ugovor o osiguranju sposobnosti vraćanja kredita. in Anali Pravnog fakulteta u Beogradu. 2017;65(2):91-112.
doi:10.5937/AnaliPFB1702091P
conv_426 .

Petrović-Tomić, Nataša, "Ugovor o osiguranju sposobnosti vraćanja kredita" in Anali Pravnog fakulteta u Beogradu, 65, no. 2 (2017):91-112,
https://doi.org/10.5937/AnaliPFB1702091P .,
conv_426 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2017
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/947
AB  - U radu je analiziran institut odgovornosti članova uprave akcionarskog društva za osiguranje, posebno članova izvršnog odbora. Pošavši od uslova koje treba da ispune kandidati za članove uprave u sektoru osiguranja i njihove nadležnosti u sistemu dvodomne uprave, autorka se fokusira na ispitivanje regulatornog okvira osiguranja po pitanju odgovornosti. Da li se uspostavljeni režim odgovornosti uklapa u princip transparentnosti i vođenja poslovanja u skladu sa pravilima o upravljanju rizikom? Da li su članovi uprave u sektoru osiguranja dorasli riziku odgovornosti? Da li je odgovornost rukovodilaca u ovom delu finansijskog tržišta preširoko određena? Autorka odgovara na postavljena pitanja sistematskim tumačenjem odredaba Zakona o osiguranju i Zakona o privrednim društvima.
AB  - Author analyzes the institute of directors' liability, especially liability of the members of Execute Board. Starting from conditions that should be fulfilled by candidates applying to become members of the Board in the sector of insurance as well as their competences, author is focused on the examination of regulatory framework of insurance regarding directors' liability. Is established liability regime compatible with the principle of transparency and conduct of business in accordance with rules of risk management? Are the directors in the sector of insurance measured up to risk of liability? Is directors' liability in this part of financial market determined on a broadly way? Author answers those questions by systematic interpretation of both Law on insurance and Law on companies.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - O odgovornosti direktora akcionarskog društva za osiguranje - neke specifičnosti sektorskog pristupa
T1  - About liability of directors of insurance company: Some particularities of sectoral approach
EP  - 399
IS  - 7-9
SP  - 378
VL  - 55
UR  - conv_2222
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2017",
abstract = "U radu je analiziran institut odgovornosti članova uprave akcionarskog društva za osiguranje, posebno članova izvršnog odbora. Pošavši od uslova koje treba da ispune kandidati za članove uprave u sektoru osiguranja i njihove nadležnosti u sistemu dvodomne uprave, autorka se fokusira na ispitivanje regulatornog okvira osiguranja po pitanju odgovornosti. Da li se uspostavljeni režim odgovornosti uklapa u princip transparentnosti i vođenja poslovanja u skladu sa pravilima o upravljanju rizikom? Da li su članovi uprave u sektoru osiguranja dorasli riziku odgovornosti? Da li je odgovornost rukovodilaca u ovom delu finansijskog tržišta preširoko određena? Autorka odgovara na postavljena pitanja sistematskim tumačenjem odredaba Zakona o osiguranju i Zakona o privrednim društvima., Author analyzes the institute of directors' liability, especially liability of the members of Execute Board. Starting from conditions that should be fulfilled by candidates applying to become members of the Board in the sector of insurance as well as their competences, author is focused on the examination of regulatory framework of insurance regarding directors' liability. Is established liability regime compatible with the principle of transparency and conduct of business in accordance with rules of risk management? Are the directors in the sector of insurance measured up to risk of liability? Is directors' liability in this part of financial market determined on a broadly way? Author answers those questions by systematic interpretation of both Law on insurance and Law on companies.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "O odgovornosti direktora akcionarskog društva za osiguranje - neke specifičnosti sektorskog pristupa, About liability of directors of insurance company: Some particularities of sectoral approach",
pages = "399-378",
number = "7-9",
volume = "55",
url = "conv_2222"
}

Petrović-Tomić, N.. (2017). O odgovornosti direktora akcionarskog društva za osiguranje - neke specifičnosti sektorskog pristupa. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 55(7-9), 378-399.
conv_2222

Petrović-Tomić N. O odgovornosti direktora akcionarskog društva za osiguranje - neke specifičnosti sektorskog pristupa. in Pravo i privreda. 2017;55(7-9):378-399.
conv_2222 .

Petrović-Tomić, Nataša, "O odgovornosti direktora akcionarskog društva za osiguranje - neke specifičnosti sektorskog pristupa" in Pravo i privreda, 55, no. 7-9 (2017):378-399,
conv_2222 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2016
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/912
AB  - Zaštita potrošača usluga osiguranja, kao tema koja sve više dobija na značaju i u našem pravu, bez sumnje se najviše odnosi na pružanje određenih informacija ugovaraču osiguranja pre zaključenja ili za vreme važenja ugovora. Nakon uvođenja navedene dužnosti Zakonom o osiguranju, Narodna banka Srbije donela je Odluku o načinu zaštite prava i interesa korisnika usluga osiguranja, kojom je precizirala sadržinu dužnosti informisanja. Pošto je teorijski obradila pravo potrošača na informisanje, autorka razmatra sadržinu Odluke. Prema mišljenju nadzornog tela izraženom u Odluci najznačajniji deo prava na informisanje predstavlja obaveštenje potrošača usluga osiguranja o pravu na prigovor. Autorka se ne slaže sa ovakvim pristupom, smatrajući da postoji niz drugih, jednako značajnih, informacija sa stanovišta zaštite prava potrošača na informisanu odluku. U radu su analizirane dve vrste prigovora: prigovor koji se podnosi protiv pružaoca usluge osiguranja (osiguravača, posrednika ili zastupnika osiguranja) i prigovor koji se podnosi Narodnoj banci Srbije. Analizom uslova za izjavljivanje, sadržine prigovora, obaveza potrošača u vezi sa izjavljivanjem, a posebno rokova u kojima se o njima mora odlučiti, autorka zaključuje da regulatorni okvir nije dovoljno podsticajan za korišćenje prigovora kao načina vansudskog rešavanja sporova iz osiguranja. Budući da je Odlukom uređeno i posredovanje u rešavanju sporova iz osiguranja, autorka se kritički izjašnjava prema načinu na koji je podzakonskim aktom regulisan ovaj uporednopravno značajan metod rasterećenja sudskog aparata. Autorki ne podržava koncentraciju ogromne moći u rukama Narodne banke Srbije, posebno nadležnosti u vezi sa institutima koji mogu ostvariti značajan učinak na prevenciju ili smanjenje sporova iz osiguranja. Budući da se već godinama zalaže za uvođenje alternativnih metoda rešavanja sporova iz osiguranja, na način kojim se uvažavaju sve specifičnosti posla osiguranja i potrošača usluga osiguranja, autorka smatra da je ovaj zadatak morao biti poveren nekoj drugoj instituciji, a ne Narodnoj banci Srbije.
AB  - Protection of consumers of insurance services, as a theme that is getting more important in our law, relates mostly on providing specific information to policyholder before the conclusion of insurance contract as well as during validity of insurance contract. After introduction of the mentioned duty by Law on insurance, National bank of Serbia has enacted Decision on how to protect rights and interests of consumers of insurance services, by which is specified the content of information duty. After theoretical explanation of the right of consumer to be informed, author considers the content of Decision. According to the opinion of the Supervising body, information about the right of consumer to complaint represents the most essential part of the right to be informed. Author does not agree with this approach. According to her opinion, there are a number of other information of the same importance from the point of view of protection of the right of consumer to make informed decision. Author deals with two types of complaint: complaint against the insurance professional (insurer, agent of insurance or broker of insurance) and complaint to the National bank of Serbia. After analysis of the conditions of submitting complaints, the content of complaints, obligation of consumers, and especially deadline of deciding on the complaint, author concludes that regulatory framework is not motivating to use complaint as a mode of out-of-court settlement of insurance disputes. Having in mind that Decision regulates mediation as a form of settlement of insurance disputes, author criticizes the way on which is regulated this important method of relief of jurisdictional system of resolving disputes. Author is against the concentration of huge powers in the hands of National bank of Serbia, especially competence in relation to institutes that could influence significantly on prevention of insurance disputes or decrease of insurance disputes. As she advocates during the years for the introduction of alternative resolution of insurance disputes, on the way that respects all specifics of contract of insurance as well as consumers of insurance services, author regards that this task is to be entrusted to another institution, not to National bank of Serbia.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Zaštita potrošača usluga osiguranja i informaciona paradigma - odluka Narodne Banke Srbije o zaštiti prava i interesa korisnika usluga osiguranja
T1  - Protection of consumers of insurance services and informative paradigm: Decision of National Bank of Serbia on how to protect rights and interests of consumers of insurance services
EP  - 576
IS  - 7-9
SP  - 555
VL  - 54
UR  - conv_2192
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2016",
abstract = "Zaštita potrošača usluga osiguranja, kao tema koja sve više dobija na značaju i u našem pravu, bez sumnje se najviše odnosi na pružanje određenih informacija ugovaraču osiguranja pre zaključenja ili za vreme važenja ugovora. Nakon uvođenja navedene dužnosti Zakonom o osiguranju, Narodna banka Srbije donela je Odluku o načinu zaštite prava i interesa korisnika usluga osiguranja, kojom je precizirala sadržinu dužnosti informisanja. Pošto je teorijski obradila pravo potrošača na informisanje, autorka razmatra sadržinu Odluke. Prema mišljenju nadzornog tela izraženom u Odluci najznačajniji deo prava na informisanje predstavlja obaveštenje potrošača usluga osiguranja o pravu na prigovor. Autorka se ne slaže sa ovakvim pristupom, smatrajući da postoji niz drugih, jednako značajnih, informacija sa stanovišta zaštite prava potrošača na informisanu odluku. U radu su analizirane dve vrste prigovora: prigovor koji se podnosi protiv pružaoca usluge osiguranja (osiguravača, posrednika ili zastupnika osiguranja) i prigovor koji se podnosi Narodnoj banci Srbije. Analizom uslova za izjavljivanje, sadržine prigovora, obaveza potrošača u vezi sa izjavljivanjem, a posebno rokova u kojima se o njima mora odlučiti, autorka zaključuje da regulatorni okvir nije dovoljno podsticajan za korišćenje prigovora kao načina vansudskog rešavanja sporova iz osiguranja. Budući da je Odlukom uređeno i posredovanje u rešavanju sporova iz osiguranja, autorka se kritički izjašnjava prema načinu na koji je podzakonskim aktom regulisan ovaj uporednopravno značajan metod rasterećenja sudskog aparata. Autorki ne podržava koncentraciju ogromne moći u rukama Narodne banke Srbije, posebno nadležnosti u vezi sa institutima koji mogu ostvariti značajan učinak na prevenciju ili smanjenje sporova iz osiguranja. Budući da se već godinama zalaže za uvođenje alternativnih metoda rešavanja sporova iz osiguranja, na način kojim se uvažavaju sve specifičnosti posla osiguranja i potrošača usluga osiguranja, autorka smatra da je ovaj zadatak morao biti poveren nekoj drugoj instituciji, a ne Narodnoj banci Srbije., Protection of consumers of insurance services, as a theme that is getting more important in our law, relates mostly on providing specific information to policyholder before the conclusion of insurance contract as well as during validity of insurance contract. After introduction of the mentioned duty by Law on insurance, National bank of Serbia has enacted Decision on how to protect rights and interests of consumers of insurance services, by which is specified the content of information duty. After theoretical explanation of the right of consumer to be informed, author considers the content of Decision. According to the opinion of the Supervising body, information about the right of consumer to complaint represents the most essential part of the right to be informed. Author does not agree with this approach. According to her opinion, there are a number of other information of the same importance from the point of view of protection of the right of consumer to make informed decision. Author deals with two types of complaint: complaint against the insurance professional (insurer, agent of insurance or broker of insurance) and complaint to the National bank of Serbia. After analysis of the conditions of submitting complaints, the content of complaints, obligation of consumers, and especially deadline of deciding on the complaint, author concludes that regulatory framework is not motivating to use complaint as a mode of out-of-court settlement of insurance disputes. Having in mind that Decision regulates mediation as a form of settlement of insurance disputes, author criticizes the way on which is regulated this important method of relief of jurisdictional system of resolving disputes. Author is against the concentration of huge powers in the hands of National bank of Serbia, especially competence in relation to institutes that could influence significantly on prevention of insurance disputes or decrease of insurance disputes. As she advocates during the years for the introduction of alternative resolution of insurance disputes, on the way that respects all specifics of contract of insurance as well as consumers of insurance services, author regards that this task is to be entrusted to another institution, not to National bank of Serbia.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Zaštita potrošača usluga osiguranja i informaciona paradigma - odluka Narodne Banke Srbije o zaštiti prava i interesa korisnika usluga osiguranja, Protection of consumers of insurance services and informative paradigm: Decision of National Bank of Serbia on how to protect rights and interests of consumers of insurance services",
pages = "576-555",
number = "7-9",
volume = "54",
url = "conv_2192"
}

Petrović-Tomić, N.. (2016). Zaštita potrošača usluga osiguranja i informaciona paradigma - odluka Narodne Banke Srbije o zaštiti prava i interesa korisnika usluga osiguranja. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 54(7-9), 555-576.
conv_2192

Petrović-Tomić N. Zaštita potrošača usluga osiguranja i informaciona paradigma - odluka Narodne Banke Srbije o zaštiti prava i interesa korisnika usluga osiguranja. in Pravo i privreda. 2016;54(7-9):555-576.
conv_2192 .

Petrović-Tomić, Nataša, "Zaštita potrošača usluga osiguranja i informaciona paradigma - odluka Narodne Banke Srbije o zaštiti prava i interesa korisnika usluga osiguranja" in Pravo i privreda, 54, no. 7-9 (2016):555-576,
conv_2192 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2015
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/861
AB  - Reosiguranje - bar kada je reč o srpskom pravu - predstavlja institut Prava osiguranja o kome se nedovoljno zna. To ne treba da čudi budući da je reč o ugovoru koji tradicionalno nije uređen u delu građanskog zakonika ili zakona o ugovoru o osiguranju. Diskutabilna su, dakle, sva obeležja ugovora o reosiguranju: počev od definicije preko bitnih elemenata do toga kako se ispoljava načelo savesnosti u ovoj specifičnoj oblasti poslovnog prometa. Stoga je autorka tako koncipirala rad da, najpre, definiše ugovor o reosiguranju i objašnjava poziciju reosiguranja u sistemu osiguranja. Naglašeno je da se ugovor o reosiguranju nadovezuje na ugovor o osiguranju, čime se omogućava dalji transfer rizika. U pitanjuje poslovnopravni ugovor, zaključen između stručnjaka za osiguranje; često sa međunarodnim obeležjem; koji u velikom broju slučajeva zaslužuje kvalifikativ adhezionog ugovora; aleatoran i dvostrano obavezan ugovor; čije se prestacije izvršavaju trajno, itd. Značaj reosiguranja u sistemu osiguranja raščlanjen je na tri komponente: povećanje kapaciteta tržišta osiguranja, garancija ispunjenja preuzetih obaveza osiguravača i regulatorni učinak na osiguranje. Autorka zaključuje da je ugovor o reosiguranju tipičan poslovnopravni ugovor, redigovan od strane stručnjaka za (re)osiguranje, koji počiva na uvažavanju zajednice interesa osiguravača i reosiguravača. Isti može vršiti ciljnu funkciju samo ako se obe strane ponašaju u skladu s pravilima o upravljanju rizikom, odgovorno i savesno.
AB  - Reinsurance - at least in Serbian law - represents one of the institutes of Insurance Law of whom a little is known. It should not be surprising as the contract of reinsurance traditionally is not regulated in civil codes or laws on contract of insurance. Questionable are all features of the contract of reinsurance: from the definition through the essentialia negotii to the principle of utmost good faith. That is why the paper is structured so that firstly gives definition of contract of reinsurance and explains position of reinsurance in the system of insurance. It is high­lighted that the contract of reinsurance builds on the contract of insurance; which enables the further transfer of risk. It is business-to-business contract (B-2-B), concluded between insurance law experts; frequently of international character; mostly contract of adhesion, aleatory and synallagmatic contract, contract with subsequent execution, etc. The importance of reinsurance in the system of insurance is divided on three components: increase of capacity of insurance market, guarantee of acomplishment of obligations of insurer and regulatory effect on insurance. The author concludes that the contract of reinsurance is a specific business insurance contract, concluded by the insurance law experts and that represents community of interests of reinsurer and reinsured. The mentioned contract may perform its function only if the contracting parties act in a responsible manner, lege artis and respecting the principle of utmost good faith.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Reosiguranje - suština, domašaj i značaj
T1  - Reinsurance: Substance, range and importance
EP  - 93
IS  - 2
SP  - 78
VL  - 63
DO  - 10.5937/AnaliPFB1502078P
UR  - conv_371
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2015",
abstract = "Reosiguranje - bar kada je reč o srpskom pravu - predstavlja institut Prava osiguranja o kome se nedovoljno zna. To ne treba da čudi budući da je reč o ugovoru koji tradicionalno nije uređen u delu građanskog zakonika ili zakona o ugovoru o osiguranju. Diskutabilna su, dakle, sva obeležja ugovora o reosiguranju: počev od definicije preko bitnih elemenata do toga kako se ispoljava načelo savesnosti u ovoj specifičnoj oblasti poslovnog prometa. Stoga je autorka tako koncipirala rad da, najpre, definiše ugovor o reosiguranju i objašnjava poziciju reosiguranja u sistemu osiguranja. Naglašeno je da se ugovor o reosiguranju nadovezuje na ugovor o osiguranju, čime se omogućava dalji transfer rizika. U pitanjuje poslovnopravni ugovor, zaključen između stručnjaka za osiguranje; često sa međunarodnim obeležjem; koji u velikom broju slučajeva zaslužuje kvalifikativ adhezionog ugovora; aleatoran i dvostrano obavezan ugovor; čije se prestacije izvršavaju trajno, itd. Značaj reosiguranja u sistemu osiguranja raščlanjen je na tri komponente: povećanje kapaciteta tržišta osiguranja, garancija ispunjenja preuzetih obaveza osiguravača i regulatorni učinak na osiguranje. Autorka zaključuje da je ugovor o reosiguranju tipičan poslovnopravni ugovor, redigovan od strane stručnjaka za (re)osiguranje, koji počiva na uvažavanju zajednice interesa osiguravača i reosiguravača. Isti može vršiti ciljnu funkciju samo ako se obe strane ponašaju u skladu s pravilima o upravljanju rizikom, odgovorno i savesno., Reinsurance - at least in Serbian law - represents one of the institutes of Insurance Law of whom a little is known. It should not be surprising as the contract of reinsurance traditionally is not regulated in civil codes or laws on contract of insurance. Questionable are all features of the contract of reinsurance: from the definition through the essentialia negotii to the principle of utmost good faith. That is why the paper is structured so that firstly gives definition of contract of reinsurance and explains position of reinsurance in the system of insurance. It is high­lighted that the contract of reinsurance builds on the contract of insurance; which enables the further transfer of risk. It is business-to-business contract (B-2-B), concluded between insurance law experts; frequently of international character; mostly contract of adhesion, aleatory and synallagmatic contract, contract with subsequent execution, etc. The importance of reinsurance in the system of insurance is divided on three components: increase of capacity of insurance market, guarantee of acomplishment of obligations of insurer and regulatory effect on insurance. The author concludes that the contract of reinsurance is a specific business insurance contract, concluded by the insurance law experts and that represents community of interests of reinsurer and reinsured. The mentioned contract may perform its function only if the contracting parties act in a responsible manner, lege artis and respecting the principle of utmost good faith.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Reosiguranje - suština, domašaj i značaj, Reinsurance: Substance, range and importance",
pages = "93-78",
number = "2",
volume = "63",
doi = "10.5937/AnaliPFB1502078P",
url = "conv_371"
}

Petrović-Tomić, N.. (2015). Reosiguranje - suština, domašaj i značaj. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 63(2), 78-93.
https://doi.org/10.5937/AnaliPFB1502078P
conv_371

Petrović-Tomić N. Reosiguranje - suština, domašaj i značaj. in Anali Pravnog fakulteta u Beogradu. 2015;63(2):78-93.
doi:10.5937/AnaliPFB1502078P
conv_371 .

Petrović-Tomić, Nataša, "Reosiguranje - suština, domašaj i značaj" in Anali Pravnog fakulteta u Beogradu, 63, no. 2 (2015):78-93,
https://doi.org/10.5937/AnaliPFB1502078P .,
conv_371 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2015
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/866
AB  - Usvajanje Građanskog zakonika otvara diskusiju u pogledu promena i novina koje neizostavno moraju biti implementirane u naše pravo. Kada je reč o ugovoru o osiguranju na koji se primenjuje Zakon o obligacionim odnosima, ključan zahtev iz ugla usklađivanja sa pravom EU je implementiranje standarda zaštite slabije strane kreiranih pod uticajem zaštite potrošača. Posmatran iz ovog ugla, Prednacrt Građanskog zakonika ne nudi potrebne izmene. Rad je posvećen detaljnijoj analizi dva pitanja, koja su po mišljenju autorke ključna za ocenu stepena harmonizacije našeg prava sa pravom EU Prvo je pitanje prijavljivanja okolnosti od značaja za ocenu rizika, koje je u Zakonu o obligacionim odnosima uređeno na način koji prvenstveno ima u vidu interes osiguravača. U pitanju je rešenje koje datira iz perioda kada zaštita potrošača još uvek nije bila razvijena u današnjem smislu reči. Stoga je zakonodavac napravio veliki propust preuzimanjem norme stare više od trideset i pet godina u Prednacrt Građanskog zakonika. Oslanjajući se na uporedno pravo, autorka predlaže da se dužnost prijavljivanja kompletno redefiniše. Ona više nije samostalna i spontana dužnost ugovarača osiguranja ili osiguranika i ne odnosi se na sve okolnosti od značaja za ocenu rizika. Pod uticajem zaštite potrošača, dužnost prijavljivanja postaje dužnost osiguravača da sačini upitnik sa što potpunijim i preciznim pitanjima koja se odnose na rizik, dok kandidat za osiguranje na njih treba da odgovori. Kod uređenja posledica povrede ove dužnosti mora se voditi računa o tome da je ugovarač osiguranja ili osiguranik nestručnjak za osiguranje, neuporedivo ekonomski slabiji od osiguravača i da mu je potrebna zaštita u odnosu sa osiguravačem. Drugo pitanje tiče se dužnosti savetovanja ugovarača osiguranja od strane osiguravača. Kako pomenuta dužnost postoji na strani posrednika osiguranja još od donošenja Zakona o osiguranju iz 2004. godine, očekivalo se da se i osiguravač obaveže ovom dužnošću. Ovo utoliko pre što Prednacrt Građanskog zakonika uvodi komplementarnu dužnost informisanja ugovarača osiguranja od strane osiguravača. Autorka kao model proučava nemačko pravo, u kome je dužnost savetovanja proširena i na osiguravača. Pri tom je savetovanje vrlo detaljno uređeno, raščlanjeno na tri uže dužnosti: dužnost ispitivanja lične situacije ugovarača osiguranja, dužnost savetovanja u užem smislu i obrazloženja pruženog saveta i dužnost dokumentovanja pruženog saveta. Razlog zašto autorka kao primer navodi baš nemačko pravo je namera da pokaže koliko je značajno da svi potrošači usluga osiguranja uživaju istu zaštitu, tj. da prema njima iste dužnosti imaju i osiguravač i posrednik osiguranja. U našem pozitivnom pravu, a to će izgleda biti i u budućem pravu, potrošači usluga osiguranja su u neravnopravnom položaju: oni koji se obrate posredniku osiguranja mogu računati na izvršenje dužnosti savetovanja i pružanja dragocene pomoći oko izbora odgovarajuće osiguravajuće zaštite, dok oni koji se direktno obrate osiguravaču nisu u jednakoj meri zaštićeni u vezi sa pribavljanjem osiguravajuće zaštite. S obzirom na kvantitet i kvalitet neusklađenosti, autorka zaključuje da odeljak posvećen ugovoru o osiguranju mora biti suštinski izmenjen ako se želi obezbediti evropski nivo zaštite potrošača usluga osiguranja. U tom postupku, posebna pažnja po mišljenju autorke mora da se posveti ugovornom pravu osiguranja država članica, poput Nemačke i Francuske.
AB  - Adoption of Civil Code opens the discussion about amendements and innovations necessary to implement into Serbian law. Speaking about contract of insurance on which is applied Law on obligations, key requirement from the point of view of harmonization of Serbian law with the standards of European Union is implementation of standards of protection of weaker contracting party created under the influence of consumer protection. Observed from this angle, Draft of Civil Code does not provide necessary amendements. The article is devoted to the detailed analysis of two questions which are - according to the opinion of the author - the most important to the evaluation of the degree of harmonization of our law with the law of EU. The first question is declaration of risk relevant circumstances. This question is regulated in the Law on obligations on the insurer-protective way. Historically, it is a solution originated from the time where the protection of consumers was not developed in contemporary meaning. Therefore, the legislator made a big mistake by taking norm old more than 35 years in the Draft. Relaying on comparative law, the author proposes complete redesign of duty of declaration. Duty of declaration is neither independent nor relates on all risk relevant circumstances. Under the influence of consumer protection, instead of duty of insured to declare all risk relevant circumstances exists the duty of insurer to make questionnaire with complete and precise questions relating on risk. The duty of applicant is to answer these questions. When regulating the consequences of violation of the duty of declaration it is necessary to take into account that the insured is layman (nonprofessional) for insurance, economic weaker than insurer and the fact he needs protection in contractual relationship with insurer. The second question relates to the duty of insurer to advise insured. Broker has this duty since the enactment of Law on Insurance (2004), we therefore expected the insurers got the same duty. Furthermore, the Draft is introducing the complementary duty of insurer: the duty to inform insured on numerous circumstances. The author studies German law as a model, which extands this duty to the insurer. Duty of insurer to advise the insured is very detailed in German law. It actually implements three duties: duty to interrogate personal situation of insured, duty to advise him as well as justify given advice and the duty to document given advice. The reason why the author is citing example of German law is to prove how important is to give the same protection to all consumers of insurance services. In our positive law, consumers of insurance services are desadvantaged. Those who engage broker could count on his duty to give advices about the insurance coverage, those who negotiate directly with the insurer enjoy a lesser degree of protection. Having in mind the quality as well as the quantity of lack of harmonization, the author concludes that the section relating on contract of insurance has to be altered substantially if we want to achieve the European standard of protection of consumers of insurance services. It that proceeding, special attention needs to be paid to the law of member states, like Germany and France.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Zaštita osiguranika pojedinca i Prednacrt Građanskog zakonika Srbije - koliko smo daleko od evropskog nivoa zaštite potrošača usluga osiguranja?
T1  - Consumer protection in contract of insurance and Draft of Serbian Civil Code: How far are we from the European level of consumer protection of insurance services?
EP  - 627
IS  - 4-6
SP  - 605
VL  - 53
UR  - conv_2156
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2015",
abstract = "Usvajanje Građanskog zakonika otvara diskusiju u pogledu promena i novina koje neizostavno moraju biti implementirane u naše pravo. Kada je reč o ugovoru o osiguranju na koji se primenjuje Zakon o obligacionim odnosima, ključan zahtev iz ugla usklađivanja sa pravom EU je implementiranje standarda zaštite slabije strane kreiranih pod uticajem zaštite potrošača. Posmatran iz ovog ugla, Prednacrt Građanskog zakonika ne nudi potrebne izmene. Rad je posvećen detaljnijoj analizi dva pitanja, koja su po mišljenju autorke ključna za ocenu stepena harmonizacije našeg prava sa pravom EU Prvo je pitanje prijavljivanja okolnosti od značaja za ocenu rizika, koje je u Zakonu o obligacionim odnosima uređeno na način koji prvenstveno ima u vidu interes osiguravača. U pitanju je rešenje koje datira iz perioda kada zaštita potrošača još uvek nije bila razvijena u današnjem smislu reči. Stoga je zakonodavac napravio veliki propust preuzimanjem norme stare više od trideset i pet godina u Prednacrt Građanskog zakonika. Oslanjajući se na uporedno pravo, autorka predlaže da se dužnost prijavljivanja kompletno redefiniše. Ona više nije samostalna i spontana dužnost ugovarača osiguranja ili osiguranika i ne odnosi se na sve okolnosti od značaja za ocenu rizika. Pod uticajem zaštite potrošača, dužnost prijavljivanja postaje dužnost osiguravača da sačini upitnik sa što potpunijim i preciznim pitanjima koja se odnose na rizik, dok kandidat za osiguranje na njih treba da odgovori. Kod uređenja posledica povrede ove dužnosti mora se voditi računa o tome da je ugovarač osiguranja ili osiguranik nestručnjak za osiguranje, neuporedivo ekonomski slabiji od osiguravača i da mu je potrebna zaštita u odnosu sa osiguravačem. Drugo pitanje tiče se dužnosti savetovanja ugovarača osiguranja od strane osiguravača. Kako pomenuta dužnost postoji na strani posrednika osiguranja još od donošenja Zakona o osiguranju iz 2004. godine, očekivalo se da se i osiguravač obaveže ovom dužnošću. Ovo utoliko pre što Prednacrt Građanskog zakonika uvodi komplementarnu dužnost informisanja ugovarača osiguranja od strane osiguravača. Autorka kao model proučava nemačko pravo, u kome je dužnost savetovanja proširena i na osiguravača. Pri tom je savetovanje vrlo detaljno uređeno, raščlanjeno na tri uže dužnosti: dužnost ispitivanja lične situacije ugovarača osiguranja, dužnost savetovanja u užem smislu i obrazloženja pruženog saveta i dužnost dokumentovanja pruženog saveta. Razlog zašto autorka kao primer navodi baš nemačko pravo je namera da pokaže koliko je značajno da svi potrošači usluga osiguranja uživaju istu zaštitu, tj. da prema njima iste dužnosti imaju i osiguravač i posrednik osiguranja. U našem pozitivnom pravu, a to će izgleda biti i u budućem pravu, potrošači usluga osiguranja su u neravnopravnom položaju: oni koji se obrate posredniku osiguranja mogu računati na izvršenje dužnosti savetovanja i pružanja dragocene pomoći oko izbora odgovarajuće osiguravajuće zaštite, dok oni koji se direktno obrate osiguravaču nisu u jednakoj meri zaštićeni u vezi sa pribavljanjem osiguravajuće zaštite. S obzirom na kvantitet i kvalitet neusklađenosti, autorka zaključuje da odeljak posvećen ugovoru o osiguranju mora biti suštinski izmenjen ako se želi obezbediti evropski nivo zaštite potrošača usluga osiguranja. U tom postupku, posebna pažnja po mišljenju autorke mora da se posveti ugovornom pravu osiguranja država članica, poput Nemačke i Francuske., Adoption of Civil Code opens the discussion about amendements and innovations necessary to implement into Serbian law. Speaking about contract of insurance on which is applied Law on obligations, key requirement from the point of view of harmonization of Serbian law with the standards of European Union is implementation of standards of protection of weaker contracting party created under the influence of consumer protection. Observed from this angle, Draft of Civil Code does not provide necessary amendements. The article is devoted to the detailed analysis of two questions which are - according to the opinion of the author - the most important to the evaluation of the degree of harmonization of our law with the law of EU. The first question is declaration of risk relevant circumstances. This question is regulated in the Law on obligations on the insurer-protective way. Historically, it is a solution originated from the time where the protection of consumers was not developed in contemporary meaning. Therefore, the legislator made a big mistake by taking norm old more than 35 years in the Draft. Relaying on comparative law, the author proposes complete redesign of duty of declaration. Duty of declaration is neither independent nor relates on all risk relevant circumstances. Under the influence of consumer protection, instead of duty of insured to declare all risk relevant circumstances exists the duty of insurer to make questionnaire with complete and precise questions relating on risk. The duty of applicant is to answer these questions. When regulating the consequences of violation of the duty of declaration it is necessary to take into account that the insured is layman (nonprofessional) for insurance, economic weaker than insurer and the fact he needs protection in contractual relationship with insurer. The second question relates to the duty of insurer to advise insured. Broker has this duty since the enactment of Law on Insurance (2004), we therefore expected the insurers got the same duty. Furthermore, the Draft is introducing the complementary duty of insurer: the duty to inform insured on numerous circumstances. The author studies German law as a model, which extands this duty to the insurer. Duty of insurer to advise the insured is very detailed in German law. It actually implements three duties: duty to interrogate personal situation of insured, duty to advise him as well as justify given advice and the duty to document given advice. The reason why the author is citing example of German law is to prove how important is to give the same protection to all consumers of insurance services. In our positive law, consumers of insurance services are desadvantaged. Those who engage broker could count on his duty to give advices about the insurance coverage, those who negotiate directly with the insurer enjoy a lesser degree of protection. Having in mind the quality as well as the quantity of lack of harmonization, the author concludes that the section relating on contract of insurance has to be altered substantially if we want to achieve the European standard of protection of consumers of insurance services. It that proceeding, special attention needs to be paid to the law of member states, like Germany and France.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Zaštita osiguranika pojedinca i Prednacrt Građanskog zakonika Srbije - koliko smo daleko od evropskog nivoa zaštite potrošača usluga osiguranja?, Consumer protection in contract of insurance and Draft of Serbian Civil Code: How far are we from the European level of consumer protection of insurance services?",
pages = "627-605",
number = "4-6",
volume = "53",
url = "conv_2156"
}

Petrović-Tomić, N.. (2015). Zaštita osiguranika pojedinca i Prednacrt Građanskog zakonika Srbije - koliko smo daleko od evropskog nivoa zaštite potrošača usluga osiguranja?. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 53(4-6), 605-627.
conv_2156

Petrović-Tomić N. Zaštita osiguranika pojedinca i Prednacrt Građanskog zakonika Srbije - koliko smo daleko od evropskog nivoa zaštite potrošača usluga osiguranja?. in Pravo i privreda. 2015;53(4-6):605-627.
conv_2156 .

Petrović-Tomić, Nataša, "Zaštita osiguranika pojedinca i Prednacrt Građanskog zakonika Srbije - koliko smo daleko od evropskog nivoa zaštite potrošača usluga osiguranja?" in Pravo i privreda, 53, no. 4-6 (2015):605-627,
conv_2156 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2014
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/1606
AB  - Sa razvojem kosmičke tehnologije i avijacije pojavio se problem izloženosti kosmičkom zračenju kod letova na velikim visinama. Pitanje kosmičkog zračenja retko je razmatrano i malo poznato široj javnosti, iako su posledice koje ovo zračenje izaziva više nego značajne, što potvrđuju dosadašnja istraživanja u ovoj oblasti. U prošlosti, kosmička medicina uglavnom se bavila fiziološkim problemima, a vrlo malo vazduhoplovno-kosmičkom preventivom. Međutim, neke goruće probleme kosmičkog putovanja i dužeg boravka u kosmosu je teško rešiti ili su nerešivi, a moguće je jedino ublažiti njihove posledice. Pravna regulativa deluje na smanjenje štetnog dejstva kosmičkog zračenja ograničavanjem vremena provedenog u letu za posadu vazduhoplova, dok za putnike posebna zaštita od ove vrste zračenja uglavnom nije predviđena. U radu su izloženi propisi o zaštiti od jonizujućeg zračenja, posebno zaštiti od kosmičkog zračenja u vazduhoplovstvu i predstavljena istraživanja o rizicima koje ovo zračenje nosi.
AB  - The issue of exposure to cosmic radiation during high altitude flights is one of the problems which coincided with the cosmic technology and aviation development. The cosmic radiation issue has rarely been considered and is relatively unknown to the general public even though the impacts of this radiation are more than significant, which is confirmed by past research in this area. In the past, cosmic medicine mainly deal with physiological problems, and very little with aviation-cosmic prevention. However, some of the burning issues of cosmic voyage and longer stay in cosmos are hardly solvable or insoluble, and it is possible only to mitigate their consequences. Legal regulation has the effect on decrease in harmful effects of cosmic radiation by limiting the time spent in flying for air crew, while the special protection from this type of radiation for passengers is mainly not predicted. In this paper, the regulations on ionizing radiation protection, especially protection from cosmic radiation in aviation are explained and research studies on risks this radiation brings are presented.
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Razmatranja o pravu na zaštitu zdravlja od kosmičkog zračenja u vazduhoplovstvu
T1  - Considerations on the right to health protection from cosmic radiation in aviation
EP  - 272
IS  - 2
SP  - 261
VL  - 62
DO  - 10.5937/AnaliPFB1402261T
UR  - conv_3321
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2014",
abstract = "Sa razvojem kosmičke tehnologije i avijacije pojavio se problem izloženosti kosmičkom zračenju kod letova na velikim visinama. Pitanje kosmičkog zračenja retko je razmatrano i malo poznato široj javnosti, iako su posledice koje ovo zračenje izaziva više nego značajne, što potvrđuju dosadašnja istraživanja u ovoj oblasti. U prošlosti, kosmička medicina uglavnom se bavila fiziološkim problemima, a vrlo malo vazduhoplovno-kosmičkom preventivom. Međutim, neke goruće probleme kosmičkog putovanja i dužeg boravka u kosmosu je teško rešiti ili su nerešivi, a moguće je jedino ublažiti njihove posledice. Pravna regulativa deluje na smanjenje štetnog dejstva kosmičkog zračenja ograničavanjem vremena provedenog u letu za posadu vazduhoplova, dok za putnike posebna zaštita od ove vrste zračenja uglavnom nije predviđena. U radu su izloženi propisi o zaštiti od jonizujućeg zračenja, posebno zaštiti od kosmičkog zračenja u vazduhoplovstvu i predstavljena istraživanja o rizicima koje ovo zračenje nosi., The issue of exposure to cosmic radiation during high altitude flights is one of the problems which coincided with the cosmic technology and aviation development. The cosmic radiation issue has rarely been considered and is relatively unknown to the general public even though the impacts of this radiation are more than significant, which is confirmed by past research in this area. In the past, cosmic medicine mainly deal with physiological problems, and very little with aviation-cosmic prevention. However, some of the burning issues of cosmic voyage and longer stay in cosmos are hardly solvable or insoluble, and it is possible only to mitigate their consequences. Legal regulation has the effect on decrease in harmful effects of cosmic radiation by limiting the time spent in flying for air crew, while the special protection from this type of radiation for passengers is mainly not predicted. In this paper, the regulations on ionizing radiation protection, especially protection from cosmic radiation in aviation are explained and research studies on risks this radiation brings are presented.",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Razmatranja o pravu na zaštitu zdravlja od kosmičkog zračenja u vazduhoplovstvu, Considerations on the right to health protection from cosmic radiation in aviation",
pages = "272-261",
number = "2",
volume = "62",
doi = "10.5937/AnaliPFB1402261T",
url = "conv_3321"
}

Petrović-Tomić, N.. (2014). Razmatranja o pravu na zaštitu zdravlja od kosmičkog zračenja u vazduhoplovstvu. in Anali Pravnog fakulteta u Beogradu, 62(2), 261-272.
https://doi.org/10.5937/AnaliPFB1402261T
conv_3321

Petrović-Tomić N. Razmatranja o pravu na zaštitu zdravlja od kosmičkog zračenja u vazduhoplovstvu. in Anali Pravnog fakulteta u Beogradu. 2014;62(2):261-272.
doi:10.5937/AnaliPFB1402261T
conv_3321 .

Petrović-Tomić, Nataša, "Razmatranja o pravu na zaštitu zdravlja od kosmičkog zračenja u vazduhoplovstvu" in Anali Pravnog fakulteta u Beogradu, 62, no. 2 (2014):261-272,
https://doi.org/10.5937/AnaliPFB1402261T .,
conv_3321 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2014
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/806
AB  - Efikasno rešavanje potrošačkih sporova doprinosi jačanju zaštite potrošača. Kako porast broja potrošačkih ugovora nužno utiče na povećanje potrošačkih sporova, to postoji interes da se razvijaju alternativni metodi njihovog rešavanja. Članak je posvećen pitanju arbitrabilnosti potrošačkih sporova. Već na početku ukazuje se na razliku u pristupu arbitraži između evropskog i američkog prava. Pošavši od premise da je klasična (trgovačka) arbitraža a priori neprilagođena potrošačkim sporovima, autorka se zalaže za uvođenje specifične potrošačke arbitraže. Najveći deo rada bavi se obeležjima predložene potrošačke arbitraže u funkciji sprečavanja da se arbitražna klauzula oglasi nepravičnom zbog narušavanja ugovorne ravnoteže na štetu potrošača. Naglašen je značaj slobodnog i informisanog pristanka potrošača na arbitražnu klauzulu. U zaključku se iznosi stav Evropskog suda pravde potvrđen u nekoliko slučajeva da nacionalni sudovi imaju dužnost da ex officio paze na nepravični karakter arbitražne klauzule sadržane u potrošačkim ugovorima.
AB  - Efficient resolution of consumer disputes contributes to the strengthening of consumer protection. As the increasing of number of consumer contracts necessary increase consumer disputes, there is an interest in developing the Alternative Disputes Resolution. The paper is devoted to the question of arbitrability of consumer disputes. At the beginning of the paper author points out at the difference between European and American approach to the arbitration of consumer disputes. Having in mind the premise that classic (commercial) arbitration is not a priori suitable on consumer disputes author advocates introduction of specific consumer arbitration. The largest part of the paper deals with the characteristics of proposed consumer arbitration in order to prevent clause of arbitration to be void as unfair contract term. It is underlined the importance of free and informed consent of consumer on arbitration clause. At the conclusion, author cites approach of European Court of Justice according to which national courts have to look after unfair character of arbitration clause contained in consumer contract ex officio.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Rešavanje potrošačkih sporova pred arbitražom
T1  - Resolution of consumer disputes through arbitration with special regard on insurance disputes
EP  - 114
IS  - 2
SP  - 86
VL  - 62
DO  - 10.5937/AnaliPFB1402086T
UR  - conv_337
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2014",
abstract = "Efikasno rešavanje potrošačkih sporova doprinosi jačanju zaštite potrošača. Kako porast broja potrošačkih ugovora nužno utiče na povećanje potrošačkih sporova, to postoji interes da se razvijaju alternativni metodi njihovog rešavanja. Članak je posvećen pitanju arbitrabilnosti potrošačkih sporova. Već na početku ukazuje se na razliku u pristupu arbitraži između evropskog i američkog prava. Pošavši od premise da je klasična (trgovačka) arbitraža a priori neprilagođena potrošačkim sporovima, autorka se zalaže za uvođenje specifične potrošačke arbitraže. Najveći deo rada bavi se obeležjima predložene potrošačke arbitraže u funkciji sprečavanja da se arbitražna klauzula oglasi nepravičnom zbog narušavanja ugovorne ravnoteže na štetu potrošača. Naglašen je značaj slobodnog i informisanog pristanka potrošača na arbitražnu klauzulu. U zaključku se iznosi stav Evropskog suda pravde potvrđen u nekoliko slučajeva da nacionalni sudovi imaju dužnost da ex officio paze na nepravični karakter arbitražne klauzule sadržane u potrošačkim ugovorima., Efficient resolution of consumer disputes contributes to the strengthening of consumer protection. As the increasing of number of consumer contracts necessary increase consumer disputes, there is an interest in developing the Alternative Disputes Resolution. The paper is devoted to the question of arbitrability of consumer disputes. At the beginning of the paper author points out at the difference between European and American approach to the arbitration of consumer disputes. Having in mind the premise that classic (commercial) arbitration is not a priori suitable on consumer disputes author advocates introduction of specific consumer arbitration. The largest part of the paper deals with the characteristics of proposed consumer arbitration in order to prevent clause of arbitration to be void as unfair contract term. It is underlined the importance of free and informed consent of consumer on arbitration clause. At the conclusion, author cites approach of European Court of Justice according to which national courts have to look after unfair character of arbitration clause contained in consumer contract ex officio.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Rešavanje potrošačkih sporova pred arbitražom, Resolution of consumer disputes through arbitration with special regard on insurance disputes",
pages = "114-86",
number = "2",
volume = "62",
doi = "10.5937/AnaliPFB1402086T",
url = "conv_337"
}

Petrović-Tomić, N.. (2014). Rešavanje potrošačkih sporova pred arbitražom. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 62(2), 86-114.
https://doi.org/10.5937/AnaliPFB1402086T
conv_337

Petrović-Tomić N. Rešavanje potrošačkih sporova pred arbitražom. in Anali Pravnog fakulteta u Beogradu. 2014;62(2):86-114.
doi:10.5937/AnaliPFB1402086T
conv_337 .

Petrović-Tomić, Nataša, "Rešavanje potrošačkih sporova pred arbitražom" in Anali Pravnog fakulteta u Beogradu, 62, no. 2 (2014):86-114,
https://doi.org/10.5937/AnaliPFB1402086T .,
conv_337 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2014
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/755
AB  - U radu se analiziraju odredbe Principa evropskog ugovornog prava osiguranja o nepravičnim klauzulama. Autor polazi od značaja definicije nepravične odredbe za podizanje standarda zaštite ugovarača osiguranja, osiguranika i korisnika usluga osiguranja, kao slabije strane kod ugovora o osiguranju. Centralni deo rada posvećen je analizi nepravične klauzule iz ugla Principa evropskog ugovornog prava osiguranja i razlikama u odnosu na koncept iz Direktive 93/13 o nepravičnim klauzulama u ugovorima zaključenim sa potrošačima. Kao primer neusklađenosti potrošačkih i propisa o ugovoru o osiguranju navodi se primer francuskog prava i dve klauzule ugovora o osiguranju - klauzula o raskidu ugovora nakon nastanka osiguranog slučaja i klauzula o gubitku prava iz osiguranja zbog zakasnele prijave osiguranog slučaja. Autor predlaže da se u Prednacrt Građanskog zakonika Srbije unese i član o nepravičnim odredbama u ugovorima o osiguranju.
AB  - Provisions of Principles of European Insurance Contract Law regarding the unfair clauses are analyzed in the paper. The author has come from the importance of definition of unfair clause to the raising of standards of protection of insured as weaker party to the contract of insurance. The central part of the work is devoted to the analysis of unfair clause form the point of view of Principles as well as to the differences between the concept of Principles and concept of Directive on unfair contract terms in contracts concluded with consumers. French law is stressed as an example of inconsistency between consumer law and insurance contract law. There are two clauses of insurance contract: clause of resolution of contract after the realization of risk insured and clause of loss of protection because of late declaration of risk insured. The author proposes the introduction of article on unfair clauses in insurance contracts into the preliminary draft of Serbian Civil Code.
PB  - Udruženje za pravo osiguranja Srbije, Beograd
T2  - Evropska revija za pravo osiguranja
T1  - Nepravične klauzule i Principi evropskog ugovornog prava osiguranja
T1  - Unfair clauses and Principles of European Insurance Contract Law
EP  - 51
IS  - 2
SP  - 44
VL  - 13
DO  - 10.5937/erpo1402044T
UR  - conv_2855
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2014",
abstract = "U radu se analiziraju odredbe Principa evropskog ugovornog prava osiguranja o nepravičnim klauzulama. Autor polazi od značaja definicije nepravične odredbe za podizanje standarda zaštite ugovarača osiguranja, osiguranika i korisnika usluga osiguranja, kao slabije strane kod ugovora o osiguranju. Centralni deo rada posvećen je analizi nepravične klauzule iz ugla Principa evropskog ugovornog prava osiguranja i razlikama u odnosu na koncept iz Direktive 93/13 o nepravičnim klauzulama u ugovorima zaključenim sa potrošačima. Kao primer neusklađenosti potrošačkih i propisa o ugovoru o osiguranju navodi se primer francuskog prava i dve klauzule ugovora o osiguranju - klauzula o raskidu ugovora nakon nastanka osiguranog slučaja i klauzula o gubitku prava iz osiguranja zbog zakasnele prijave osiguranog slučaja. Autor predlaže da se u Prednacrt Građanskog zakonika Srbije unese i član o nepravičnim odredbama u ugovorima o osiguranju., Provisions of Principles of European Insurance Contract Law regarding the unfair clauses are analyzed in the paper. The author has come from the importance of definition of unfair clause to the raising of standards of protection of insured as weaker party to the contract of insurance. The central part of the work is devoted to the analysis of unfair clause form the point of view of Principles as well as to the differences between the concept of Principles and concept of Directive on unfair contract terms in contracts concluded with consumers. French law is stressed as an example of inconsistency between consumer law and insurance contract law. There are two clauses of insurance contract: clause of resolution of contract after the realization of risk insured and clause of loss of protection because of late declaration of risk insured. The author proposes the introduction of article on unfair clauses in insurance contracts into the preliminary draft of Serbian Civil Code.",
publisher = "Udruženje za pravo osiguranja Srbije, Beograd",
journal = "Evropska revija za pravo osiguranja",
title = "Nepravične klauzule i Principi evropskog ugovornog prava osiguranja, Unfair clauses and Principles of European Insurance Contract Law",
pages = "51-44",
number = "2",
volume = "13",
doi = "10.5937/erpo1402044T",
url = "conv_2855"
}

Petrović-Tomić, N.. (2014). Nepravične klauzule i Principi evropskog ugovornog prava osiguranja. in Evropska revija za pravo osiguranja
Udruženje za pravo osiguranja Srbije, Beograd., 13(2), 44-51.
https://doi.org/10.5937/erpo1402044T
conv_2855

Petrović-Tomić N. Nepravične klauzule i Principi evropskog ugovornog prava osiguranja. in Evropska revija za pravo osiguranja. 2014;13(2):44-51.
doi:10.5937/erpo1402044T
conv_2855 .

Petrović-Tomić, Nataša, "Nepravične klauzule i Principi evropskog ugovornog prava osiguranja" in Evropska revija za pravo osiguranja, 13, no. 2 (2014):44-51,
https://doi.org/10.5937/erpo1402044T .,
conv_2855 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2014
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/785
AB  - U radu se analizira odredba Zakona o privrednim društvima o imovinskoj odgovornosti direktora za štetu nanetu privrednom društvu. Autorka pravi razliku između korporativne i lične odgovornosti direktora, naglasivši razliku u osnovu odgovornosti. Dok je odgovornost kompanije objektivna, odgovornost direktora je subjektivna i zasniva se na njihovoj krivici. Zatim se ukazuje na razliku između unutrašnje i spoljašnje odgovornosti, prema tome ko se nalazi u poziciji oštećenog, tj. prema kome odgovaraju članovi uprave. Najveći deo rada bavi se analizom regulatornog okvira odgovornosti direktora u srpskom pravu. Autorka naglašava uticaj pretpostavke odgovornosti direktora na ponašanje direktora i korporativš aktivnosti. Posebna pažnja posvećena je pitanju kolektivne odgovornosti za korporativne propuste i mogućnostima oslobođenja od odgovornosti. Ukazuje se na mogućnost odustanka od podnošenja odštetnog zahteva protiv direktora kao odstupanje od imperativnog režima odgovornosti po prvi put u našem pravu. Autorka zaključuje da je postojeći regulatorni okvir odgovornosti direktora stimulativan za razvoj osiguranja.
AB  - Provision of Companies Act on directors' liability for damage caused to the company is analyzed in the paper. The author makes distinction between personal and corporate liability, with the emphasis on the distinction on the basis of liability. While liability of company is objective; liability of directors is subjective and is based on their fault. Then is pointed out distinction between internal and external liability, coming from who is in the position of damaged person. The largest part of the paper is dealing with the analysis of the regulatory framework of liability of directors in Serbian law. According to author's opinion, the presumption of liability is going to make director's and officers' liability insurance necessary. It is stressed that positive law allows the possibility of abandonment of company from bringing a lawsuit against director. It is for the first time that Serbian company law allows the exception from imperative regime of liability. The author concludes that the existing regulatory framework of liability of directors is stimulant to the development of directors' and officers' liability insurance.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Odgovornost direktora za štetu po Zakonu o privrednim društvima
T1  - Liability of directors for damage according to Companies Act
EP  - 147
IS  - 4-6
SP  - 130
VL  - 52
UR  - conv_2121
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2014",
abstract = "U radu se analizira odredba Zakona o privrednim društvima o imovinskoj odgovornosti direktora za štetu nanetu privrednom društvu. Autorka pravi razliku između korporativne i lične odgovornosti direktora, naglasivši razliku u osnovu odgovornosti. Dok je odgovornost kompanije objektivna, odgovornost direktora je subjektivna i zasniva se na njihovoj krivici. Zatim se ukazuje na razliku između unutrašnje i spoljašnje odgovornosti, prema tome ko se nalazi u poziciji oštećenog, tj. prema kome odgovaraju članovi uprave. Najveći deo rada bavi se analizom regulatornog okvira odgovornosti direktora u srpskom pravu. Autorka naglašava uticaj pretpostavke odgovornosti direktora na ponašanje direktora i korporativš aktivnosti. Posebna pažnja posvećena je pitanju kolektivne odgovornosti za korporativne propuste i mogućnostima oslobođenja od odgovornosti. Ukazuje se na mogućnost odustanka od podnošenja odštetnog zahteva protiv direktora kao odstupanje od imperativnog režima odgovornosti po prvi put u našem pravu. Autorka zaključuje da je postojeći regulatorni okvir odgovornosti direktora stimulativan za razvoj osiguranja., Provision of Companies Act on directors' liability for damage caused to the company is analyzed in the paper. The author makes distinction between personal and corporate liability, with the emphasis on the distinction on the basis of liability. While liability of company is objective; liability of directors is subjective and is based on their fault. Then is pointed out distinction between internal and external liability, coming from who is in the position of damaged person. The largest part of the paper is dealing with the analysis of the regulatory framework of liability of directors in Serbian law. According to author's opinion, the presumption of liability is going to make director's and officers' liability insurance necessary. It is stressed that positive law allows the possibility of abandonment of company from bringing a lawsuit against director. It is for the first time that Serbian company law allows the exception from imperative regime of liability. The author concludes that the existing regulatory framework of liability of directors is stimulant to the development of directors' and officers' liability insurance.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Odgovornost direktora za štetu po Zakonu o privrednim društvima, Liability of directors for damage according to Companies Act",
pages = "147-130",
number = "4-6",
volume = "52",
url = "conv_2121"
}

Petrović-Tomić, N.. (2014). Odgovornost direktora za štetu po Zakonu o privrednim društvima. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 52(4-6), 130-147.
conv_2121

Petrović-Tomić N. Odgovornost direktora za štetu po Zakonu o privrednim društvima. in Pravo i privreda. 2014;52(4-6):130-147.
conv_2121 .

Petrović-Tomić, Nataša, "Odgovornost direktora za štetu po Zakonu o privrednim društvima" in Pravo i privreda, 52, no. 4-6 (2014):130-147,
conv_2121 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2014
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/767
AB  - U Prednacrt Građanskog zakonika Srbije uneta su izmene u regulisanju ugovora o osiguranju, koje se mogu oceniti značajnim za unapređenje zaštite potrošača usluga osiguranja u našem pravu. Međutim, brojna pitanja su ostala nerešena ili su zadržana rešenja iz ZOO, što predstavlja veliko ograničenje efikasne zaštite potrošača usluga osiguranja u našem budućem pravu. Smatram da gore navedene primedbe mogu doprineti kvalitetu rasprave i biti od pomoći Komisiji prilikom razmatranja alternativnih rešenja.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Pravo osiguranja - Prednacrt Građanskog zakonika Srbije - druga knjiga - obligacioni odnosi - primedbe na Glavu XLVI - Ugovor o osiguranju
T1  - Insurance law
EP  - 211
IS  - 10-12
SP  - 194
VL  - 52
UR  - conv_2142
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2014",
abstract = "U Prednacrt Građanskog zakonika Srbije uneta su izmene u regulisanju ugovora o osiguranju, koje se mogu oceniti značajnim za unapređenje zaštite potrošača usluga osiguranja u našem pravu. Međutim, brojna pitanja su ostala nerešena ili su zadržana rešenja iz ZOO, što predstavlja veliko ograničenje efikasne zaštite potrošača usluga osiguranja u našem budućem pravu. Smatram da gore navedene primedbe mogu doprineti kvalitetu rasprave i biti od pomoći Komisiji prilikom razmatranja alternativnih rešenja.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Pravo osiguranja - Prednacrt Građanskog zakonika Srbije - druga knjiga - obligacioni odnosi - primedbe na Glavu XLVI - Ugovor o osiguranju, Insurance law",
pages = "211-194",
number = "10-12",
volume = "52",
url = "conv_2142"
}

Petrović-Tomić, N.. (2014). Pravo osiguranja - Prednacrt Građanskog zakonika Srbije - druga knjiga - obligacioni odnosi - primedbe na Glavu XLVI - Ugovor o osiguranju. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 52(10-12), 194-211.
conv_2142

Petrović-Tomić N. Pravo osiguranja - Prednacrt Građanskog zakonika Srbije - druga knjiga - obligacioni odnosi - primedbe na Glavu XLVI - Ugovor o osiguranju. in Pravo i privreda. 2014;52(10-12):194-211.
conv_2142 .

Petrović-Tomić, Nataša, "Pravo osiguranja - Prednacrt Građanskog zakonika Srbije - druga knjiga - obligacioni odnosi - primedbe na Glavu XLVI - Ugovor o osiguranju" in Pravo i privreda, 52, no. 10-12 (2014):194-211,
conv_2142 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2013
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/709
AB  - Savremeno tržište životnih osiguranja karakteriše pojava novih vrsta osiguranja, među kojima posebno mesto pripada onima koji povezuju različite segmente finansijskog tržišta. Životno osiguranje vezano za investicione fondove je primer osiguranja koje odgovara potrebama zahtevnih potrošača osiguranja. Nakon objašnjenja pojma ovog osiguranja i analize instituta, autor se fokusira na tri ključna pitanja investicionog životnog osiguranja. Prvo, na pravo ugovarača osiguranja da izabere investicioni fond u koji će njegova premija biti uložena. Drugo, na dužnost obaveštavanja ulagača o investicionom riziku koji na sebe preuzima izborom investicionog fonda. Treće, autor ukazuje na potrebu da osiguravači preduzmu određene mere kako bi se određeni deo sume osiguranja garantovao za isplatu ugovaraču osiguranja, zbog neizvesnosti osigurane sume u ovoj vrsti osiguranja života. Autor zaključuje da investiciono životno osiguranje ima veliki potencijal i da, u zavisnosti od toga sa koliko uspeha se potrošači osiguranja edukuju, ono za njih može postati jedan od atraktivnijih proizvoda.
AB  - The progress at the modern market of life insurance has been characterized by emergence of new types of insurance. Particular emphasis in research and practice in the area of the newly formed types of insurance is given to those that establish a special connection between different segments of financial market. In response to the requirements of certain demanding consumers, insurance companies sought to accommodate their needs through development of a special kind of insurance contract - investment based life insurance. After defining the notion of this type of insurance, the author focuses on three fundamental questions of investment based life insurance. Firstly, the spotlight turns to the right of policy holder to choose investment fund in which the insurer is to invest the premium on his account. Author stresses that this issue also pertains to the allocation of the investment risk, as the policy holder bears the consequences in this regard. Secondly, this paper focuses on the particular duty of the insurer to inform the policyholder of investment risk he bears by choosing the investment fund. Thirdly, the attention is directed at the importance for the insurers to undertake measures aimed at guaranteeing specific part of insurance amount to policyholders. In conclusion, the paper elucidates on the actual market potential of the investment based life insurance and its general attractiveness as an up-and-coming product, demarcating the possible future trends in this regard.
PB  - Univerzitet u Beogradu - Pravni fakultet, Beograd
T2  - Anali Pravnog fakulteta u Beogradu
T1  - Osiguranje života vezano za investicione fondove
T1  - Investment based life insurance
EP  - 148
IS  - 1
SP  - 122
VL  - 61
UR  - conv_288
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2013",
abstract = "Savremeno tržište životnih osiguranja karakteriše pojava novih vrsta osiguranja, među kojima posebno mesto pripada onima koji povezuju različite segmente finansijskog tržišta. Životno osiguranje vezano za investicione fondove je primer osiguranja koje odgovara potrebama zahtevnih potrošača osiguranja. Nakon objašnjenja pojma ovog osiguranja i analize instituta, autor se fokusira na tri ključna pitanja investicionog životnog osiguranja. Prvo, na pravo ugovarača osiguranja da izabere investicioni fond u koji će njegova premija biti uložena. Drugo, na dužnost obaveštavanja ulagača o investicionom riziku koji na sebe preuzima izborom investicionog fonda. Treće, autor ukazuje na potrebu da osiguravači preduzmu određene mere kako bi se određeni deo sume osiguranja garantovao za isplatu ugovaraču osiguranja, zbog neizvesnosti osigurane sume u ovoj vrsti osiguranja života. Autor zaključuje da investiciono životno osiguranje ima veliki potencijal i da, u zavisnosti od toga sa koliko uspeha se potrošači osiguranja edukuju, ono za njih može postati jedan od atraktivnijih proizvoda., The progress at the modern market of life insurance has been characterized by emergence of new types of insurance. Particular emphasis in research and practice in the area of the newly formed types of insurance is given to those that establish a special connection between different segments of financial market. In response to the requirements of certain demanding consumers, insurance companies sought to accommodate their needs through development of a special kind of insurance contract - investment based life insurance. After defining the notion of this type of insurance, the author focuses on three fundamental questions of investment based life insurance. Firstly, the spotlight turns to the right of policy holder to choose investment fund in which the insurer is to invest the premium on his account. Author stresses that this issue also pertains to the allocation of the investment risk, as the policy holder bears the consequences in this regard. Secondly, this paper focuses on the particular duty of the insurer to inform the policyholder of investment risk he bears by choosing the investment fund. Thirdly, the attention is directed at the importance for the insurers to undertake measures aimed at guaranteeing specific part of insurance amount to policyholders. In conclusion, the paper elucidates on the actual market potential of the investment based life insurance and its general attractiveness as an up-and-coming product, demarcating the possible future trends in this regard.",
publisher = "Univerzitet u Beogradu - Pravni fakultet, Beograd",
journal = "Anali Pravnog fakulteta u Beogradu",
title = "Osiguranje života vezano za investicione fondove, Investment based life insurance",
pages = "148-122",
number = "1",
volume = "61",
url = "conv_288"
}

Petrović-Tomić, N.. (2013). Osiguranje života vezano za investicione fondove. in Anali Pravnog fakulteta u Beogradu
Univerzitet u Beogradu - Pravni fakultet, Beograd., 61(1), 122-148.
conv_288

Petrović-Tomić N. Osiguranje života vezano za investicione fondove. in Anali Pravnog fakulteta u Beogradu. 2013;61(1):122-148.
conv_288 .

Petrović-Tomić, Nataša, "Osiguranje života vezano za investicione fondove" in Anali Pravnog fakulteta u Beogradu, 61, no. 1 (2013):122-148,
conv_288 .

TY  - CONF
AU  - Tomić, Zoran
AU  - Petrović-Tomić, Nataša
PY  - 2013
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/749
PB  - Udruženje pravnika u privredi Srbije, Beograd
C3  - Pravo i privreda
T1  - Narušavanja konkurencije u osiguranju restriktivnim sporazumima
T1  - Restrictive agreements as a form of competition infrigement in insurance
EP  - 51
IS  - 7-9
SP  - 13
VL  - 50
UR  - conv_2102
ER  - 

@conference{
author = "Tomić, Zoran and Petrović-Tomić, Nataša",
year = "2013",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Narušavanja konkurencije u osiguranju restriktivnim sporazumima, Restrictive agreements as a form of competition infrigement in insurance",
pages = "51-13",
number = "7-9",
volume = "50",
url = "conv_2102"
}

Tomić, Z.,& Petrović-Tomić, N.. (2013). Narušavanja konkurencije u osiguranju restriktivnim sporazumima. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 50(7-9), 13-51.
conv_2102

Tomić Z, Petrović-Tomić N. Narušavanja konkurencije u osiguranju restriktivnim sporazumima. in Pravo i privreda. 2013;50(7-9):13-51.
conv_2102 .

Tomić, Zoran, Petrović-Tomić, Nataša, "Narušavanja konkurencije u osiguranju restriktivnim sporazumima" in Pravo i privreda, 50, no. 7-9 (2013):13-51,
conv_2102 .

TY  - JOUR
AU  - Tomić, Zoran
AU  - Petrović-Tomić, Nataša
PY  - 2012
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/672
AB  - Budući zadužena za vršenja nadzornih ovlašćenja na tržištu osiguranja, Narodna banka Srbije ima na raspolaganju niz mera kojima treba da osigura zaštitu interesa osiguranika i uopšte korisnika usluga osiguranja, kao i obavljanje delatnosti osiguranja u skladu sa pravilima o upravljanju rizikom i pravilima struke osiguranja. Članak analizira ovlašćenja Narodne banke Srbije u vezi sa pokretanjem postupka stečaja nad društvima osiguranja kao subjektima nadzora. Kako Narodna banka Srbije prethodno donosi rešenje o oduzimanju dozvole za rad društvu osiguranja, prvi deo rada bavi se utvrđivanjem uslova koji opravdavaju izricanje ove - po posledicama po društvo i njegove osiguranike - najteže mere. Ovlašćenja Narodne banke Srbije kod stečaja društva osiguranja su krupna, nezaobilazna, a prethodno-procesna po prirodi i svrsi - njihovo aktiviranje je pre otpočinjanja merodavnog sudskog postupka pred nadležnim sudom. Analizirana su dva rešenja centralne banke koja se donose u upravnom postupku, u sklopu njene kontrole poslovanja društava osiguranja, a po ispunjenju zakonskih uslova: 1) rešenje o oduzimanju dozvole za rad društvu; 2) rešenje o ispunjenju uslova za pokretanje stečajnog postupka. Autori iznose argumente u prilog tome da stečajni postupak nema prirodu izvršnog postupka u pogledu predmetnih rešenja centralne banke. Rešenje o ispunjenosti uslova za pokretanje stečajnog postupka nije izvršna isprava. Autori posvećuju posebnu pažnju pravu društva osiguranja kojem je oduzeta dozvola za rad da zahteva od Upravnog suda odlaganje izvršenja dotičnog rešenja, do pravnosnažnog okončanja u međuvremenu pokrenutog upravnog spora po njegovoj tužbi. Najzad, autori se bave i vanrednim pravnim lekom - zahtevom za preispitivanje pravnosnažne presude Upravnog suda pred Vrhovnim kasacionim sudom.
AB  - Being responsible for the exercise of supervisory authority in the insurance market, the National Bank of Serbia has at its disposal a number of measures that should ensure the protection of the interest of policyholders and beneficiaries in insurance, as well as carrying out the insurance in accordance with the rules on risk management and with insurance professional standards. The paper analysis the powers of the National Bank of Serbia in connection with the initiation of bankruptcy proceedings against the insurance companies as subject of control. As the National Bank of Serbia firstly revokes the license to work of insurance company, the firs part of the paper deals with the establishment of conditions that justify the imposition of this - according to consequences for the company and its policyholders - most difficult of all measures. Authorities of the National Bank of Serbia with the bankruptcy of insurance companies are large, unavoidable - and pre-procedural in nature and purpose. Their activation is applicable prior to the commencement of the court trial. Two decisions of the central bank brought in administrative proceeding, within its supervision of the insurance business and the fulfillment of legal requirements, are analyzed: 1) decision to revoke the license to work and 2) decision on fulfillment of conditions for opening bankruptcy procedure. The authors argue that the bankruptcy process does not have the nature of enforcement proceeding in respect of the underlying decisions of central bank. The decision on fulfillment of conditions for initiation of bankruptcy proceeding is not enforceable document. The authors pay special attention to the right of insurance companies which licence is rekoved to require the Administrative Court delay of execution of the respective decision until the final conclusion of administrative dispute. Finally, the authors deal with the extraordinary remedy - a request for reconsideration of a final judgment of administrative court - before the Supreme Court of Cassation.
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Ovlašćenja Narodne banke Srbije kod stečaja društava osiguranja
T1  - Authorities of the National Bank of Serbia with the bankruptcy of insurance companies
EP  - 435
IS  - 7-9
SP  - 406
VL  - 49
UR  - conv_2077
ER  - 

@article{
author = "Tomić, Zoran and Petrović-Tomić, Nataša",
year = "2012",
abstract = "Budući zadužena za vršenja nadzornih ovlašćenja na tržištu osiguranja, Narodna banka Srbije ima na raspolaganju niz mera kojima treba da osigura zaštitu interesa osiguranika i uopšte korisnika usluga osiguranja, kao i obavljanje delatnosti osiguranja u skladu sa pravilima o upravljanju rizikom i pravilima struke osiguranja. Članak analizira ovlašćenja Narodne banke Srbije u vezi sa pokretanjem postupka stečaja nad društvima osiguranja kao subjektima nadzora. Kako Narodna banka Srbije prethodno donosi rešenje o oduzimanju dozvole za rad društvu osiguranja, prvi deo rada bavi se utvrđivanjem uslova koji opravdavaju izricanje ove - po posledicama po društvo i njegove osiguranike - najteže mere. Ovlašćenja Narodne banke Srbije kod stečaja društva osiguranja su krupna, nezaobilazna, a prethodno-procesna po prirodi i svrsi - njihovo aktiviranje je pre otpočinjanja merodavnog sudskog postupka pred nadležnim sudom. Analizirana su dva rešenja centralne banke koja se donose u upravnom postupku, u sklopu njene kontrole poslovanja društava osiguranja, a po ispunjenju zakonskih uslova: 1) rešenje o oduzimanju dozvole za rad društvu; 2) rešenje o ispunjenju uslova za pokretanje stečajnog postupka. Autori iznose argumente u prilog tome da stečajni postupak nema prirodu izvršnog postupka u pogledu predmetnih rešenja centralne banke. Rešenje o ispunjenosti uslova za pokretanje stečajnog postupka nije izvršna isprava. Autori posvećuju posebnu pažnju pravu društva osiguranja kojem je oduzeta dozvola za rad da zahteva od Upravnog suda odlaganje izvršenja dotičnog rešenja, do pravnosnažnog okončanja u međuvremenu pokrenutog upravnog spora po njegovoj tužbi. Najzad, autori se bave i vanrednim pravnim lekom - zahtevom za preispitivanje pravnosnažne presude Upravnog suda pred Vrhovnim kasacionim sudom., Being responsible for the exercise of supervisory authority in the insurance market, the National Bank of Serbia has at its disposal a number of measures that should ensure the protection of the interest of policyholders and beneficiaries in insurance, as well as carrying out the insurance in accordance with the rules on risk management and with insurance professional standards. The paper analysis the powers of the National Bank of Serbia in connection with the initiation of bankruptcy proceedings against the insurance companies as subject of control. As the National Bank of Serbia firstly revokes the license to work of insurance company, the firs part of the paper deals with the establishment of conditions that justify the imposition of this - according to consequences for the company and its policyholders - most difficult of all measures. Authorities of the National Bank of Serbia with the bankruptcy of insurance companies are large, unavoidable - and pre-procedural in nature and purpose. Their activation is applicable prior to the commencement of the court trial. Two decisions of the central bank brought in administrative proceeding, within its supervision of the insurance business and the fulfillment of legal requirements, are analyzed: 1) decision to revoke the license to work and 2) decision on fulfillment of conditions for opening bankruptcy procedure. The authors argue that the bankruptcy process does not have the nature of enforcement proceeding in respect of the underlying decisions of central bank. The decision on fulfillment of conditions for initiation of bankruptcy proceeding is not enforceable document. The authors pay special attention to the right of insurance companies which licence is rekoved to require the Administrative Court delay of execution of the respective decision until the final conclusion of administrative dispute. Finally, the authors deal with the extraordinary remedy - a request for reconsideration of a final judgment of administrative court - before the Supreme Court of Cassation.",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Ovlašćenja Narodne banke Srbije kod stečaja društava osiguranja, Authorities of the National Bank of Serbia with the bankruptcy of insurance companies",
pages = "435-406",
number = "7-9",
volume = "49",
url = "conv_2077"
}

Tomić, Z.,& Petrović-Tomić, N.. (2012). Ovlašćenja Narodne banke Srbije kod stečaja društava osiguranja. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 49(7-9), 406-435.
conv_2077

Tomić Z, Petrović-Tomić N. Ovlašćenja Narodne banke Srbije kod stečaja društava osiguranja. in Pravo i privreda. 2012;49(7-9):406-435.
conv_2077 .

Tomić, Zoran, Petrović-Tomić, Nataša, "Ovlašćenja Narodne banke Srbije kod stečaja društava osiguranja" in Pravo i privreda, 49, no. 7-9 (2012):406-435,
conv_2077 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2012
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/645
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Pravo osiguranja
T1  - Insurance law
EP  - 179
IS  - 1-3
SP  - 173
VL  - 49
UR  - conv_2056
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2012",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Pravo osiguranja, Insurance law",
pages = "179-173",
number = "1-3",
volume = "49",
url = "conv_2056"
}

Petrović-Tomić, N.. (2012). Pravo osiguranja. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 49(1-3), 173-179.
conv_2056

Petrović-Tomić N. Pravo osiguranja. in Pravo i privreda. 2012;49(1-3):173-179.
conv_2056 .

Petrović-Tomić, Nataša, "Pravo osiguranja" in Pravo i privreda, 49, no. 1-3 (2012):173-179,
conv_2056 .

TY  - JOUR
AU  - Petrović-Tomić, Nataša
PY  - 2011
UR  - https://ralf.ius.bg.ac.rs/handle/123456789/564
PB  - Udruženje pravnika u privredi Srbije, Beograd
T2  - Pravo i privreda
T1  - Pravo osiguranja
T1  - Insurance law
EP  - 172
IS  - 10-12
SP  - 163
VL  - 48
UR  - conv_2053
ER  - 

@article{
author = "Petrović-Tomić, Nataša",
year = "2011",
publisher = "Udruženje pravnika u privredi Srbije, Beograd",
journal = "Pravo i privreda",
title = "Pravo osiguranja, Insurance law",
pages = "172-163",
number = "10-12",
volume = "48",
url = "conv_2053"
}

Petrović-Tomić, N.. (2011). Pravo osiguranja. in Pravo i privreda
Udruženje pravnika u privredi Srbije, Beograd., 48(10-12), 163-172.
conv_2053

Petrović-Tomić N. Pravo osiguranja. in Pravo i privreda. 2011;48(10-12):163-172.
conv_2053 .

Petrović-Tomić, Nataša, "Pravo osiguranja" in Pravo i privreda, 48, no. 10-12 (2011):163-172,
conv_2053 .