Srovnání povinného ručení v ČR a v Nizozemsku

This bachelor's thesis focuses on a comparative analysis of motor third-party liability insurance systems in the Czech Republic and the Netherlands, aiming to evaluate the effectiveness of their legal frameworks and their impact on the protection of injured parties. The methodology combines the analysis of legal norms—including Czech Act No. 30/2024 Sb. and the Dutch WAM—with descriptive statistics of market data. Although both systems are rooted in a common European framework, the Dutch model relies on the asymmetric protection of vulnerable road users and proactive digitalization, whereas the Czech system applies symmetric limits and reactive enforcement within the conditions of an oligopolistic market. The findings demonstrate the higher effectiveness of the Dutch framework in victim protection and transparency; conversely, the Czech market exhibits greater economic stability for insurers. Based on these results, the thesis recommends the introduction of a centralized, transferable claims history database and the automation of insurance compliance checks in the Czech Republic.