Contents
In Case 313/82REFERENCE to the Court under Article 177 of the EEC Treaty by the Burgerlijke Rechtbank van Eerste Aanleg [Civil Court of First Instance], Hasselt, for a preliminary ruling in the action pending before that court betweenNV Tiel-Utrecht Schadeverzekering, having its registered office at Utrecht,andGemeenschappelijk Motorwaarborgfonds [Joint Motor Guarantee Fund], having its headquarters at Brussels,THE COURT (First Chamber)composed of: T. Koopmans, President of Chamber, A. O'Keeffe and G. Bosco, Judges,Advocate General: P. VerLoren van ThemaatRegistrar: P. Heimgives the following
Judgment
Facts and Issues
I —Facts and written procedure
II —Written observations submitted to the Court
As a preliminary point the Gemeenschappelijk Motorwaarborgfonds observes that, as far as the first question is concerned, the Court has jurisdiction under Article 177 (b) of the EEC Treaty to rule on the interpretation of an act of a Community institution whereas the interpretation of the national law of Member States is a matter left to national courts. The first question raised by the Burgerlijke Rechtbank van Eerste Aanleg, Hasselt, does not, however, concern the interpretation of Community law but rather the interpretation of Belgian law and in particular Article 2 (d) and the final subparagraph of Article 70 (2) of the Law of 9 August 1963 introducing and regulating a compulsory sickness and invalidity insurance scheme.As framed, the question seeks to establish whether the plaintiff meets the conditions, laid down by the Belgian Law, concerning capacity to seek recovery from the Fund. As a specific right or recovery is given by that Law to insurance institutions, the question to be resolved is whether the plaintiff must be considered “an insurance institution” within the meaning of that Law. Although the question mentions Regulation No 1408/71, it does so only in order to establish whether an institution or authority which may be considered an “institution” within the meaning of Article 93 of that regulation must also automatically be regarded as an “insurance institution” within the meaning of Article 70 of the Belgian Law of 9 August 1963. The question therefore still involves a problem of interpretation of national law and the Court accordingly has no jurisdiction to rule upon it.In case the question submitted for a preliminary ruling might nevertheless be understood as concerning the interpretation of Community law, the Fund observes in the alternative that, as regards the question whether the institution liable for payment of benefit may be subrogated to the rights of the accident victim in the Member Sfiite in which the injury occurred or whether it is entitled to exercise a “direct right”, Article 93 of Regulation No 1408/71, just like Article 52 of the previous regulation governing the same subject-matter (Regulation No 3 of the Council of 25.9.1958 concerning social security for migrant workers, Journal Officiel 1958, p. 561), merely refers to the national legislation of the institution. In particular, Article 93 made no change to the rules on non-contractual liability which continues to be governed by national law alone.The provisions governing the rights of action of road accident victims against a joint guarantee fund in cases where the person responsible for the accident is unknown entail an important derogation from the normal rules of non-contractual liability by making that institution liable to pay compensation instead of the unknown person but they are also part of the body of rules governing that liability which Article 93 of Regulation No 1408/71 has left intact. Community law does not therefore derogate in any way from the rules of national law — in this instance Belgian law — which define the circumstances in which the guarantee fund, instead of the person who caused the injury, becomes liable to pay compensation. One of those rules of national law is Article 70 of the Belgian Law of 9 August 1963 which gives a right of recovery against the Fund only to an “insurance institution”. What constitutes an insurance institution can moreover only be ascertained from a reading of Article 2 (d) of the same Law which mentions “authorized national federations” and the Relief Fund for Sickness and Invalidity Insurance. Since, according to Article 3 of that Law, authorized national federations are only those which are authorized pursuant to the Royal Decree of 22 September 1955, only insurance institutions authorized in accordance with Belgian legislation have a right of recovery. Therefore a private Netherlands insurer, such as the plaintiff in the main action, cannot have a right of recovery.As regards the second question the Fund points out that Article 93 of Regulation No 1408/71 is open to different interpretations since, whilst the heading of the article mentions the rights of institutions against “liable” third parties, the article itself refers to rights against a third party “bound to compensate for the injury”. Moreover, since the rules goyerning the Fund's intervention form part of the body of legislation governing non-contractual liability, which continues to be governed by national law alone, the question may be resolved only by reference to that law.The Fund therefore considers that, if the Court of Justice has jurisdiction to answer the questions submitted by the national court, it should conclude that no inferences can be drawn from Community law as regards the question whether a “health-care” insurer in one Member State which has paid compensation for injury caused in a road accident which occurred in another Member State may exercise in that Member State a right of recovery against a guarantee fund which, by virtue of the legislation of that State, takes the place of an unknown third party responsible for the accident.The Commission too expresses doubts as to the relevance of the questions submitted by the national court, although for reasons different from those advanced by the Fund.In the Commission's view, Article 93 of Regulation No 1408/71 contains a rule on the conflict of laws inasmuch as it provides for the recognition in all the Member States of the right of recourse afforded by the legislation administered by the institution concerned, in the form either of subrogation or of a direct right of action. Article 93 is not therefore applicable where no problem of recognition arises, as in this case, because the national court applies national law. The interpretation of Article 93 is therefore relevant only if the action for recovery falls ratione materiae and radone personae within the scope of Regulation No 1408/71 and if the right of recourse is governed not by Belgian law but by Netherlands law.As regards the field of application ratione personae, it is not explained at all in the judgment making the reference to the Court whether the victim of the accident belonged at the material time to the category of persons to which Regulation No 1408/71 applies, that is to say workers and members of their families.As regards the field of application of the regulation ratione materiae, it must be emphasized that, according to Article 4 (1) thereof, it applies to all “legislation” concerning social security including inter alia sickness benefits. Article 93 mentions persons who receive benefits “under the legislation of one Member State”. According to Article 1 (j) of Regulation No 1408/71, however, the term “legislation” excludes provisions of existing or future industrial agreements, whether or not they have been the subject of a decision by the authorities rendering them compulsory or extending their scope. Therefore the payment by the plaintiff in the main proceedings of medical expenses pursuant to a contract does not come within the ambit of the regulation in question as, according to Netherlands social security legislation, intervention by a private insurer is possible only in one very particular set of circumstances quite unrelated to the present case.The Commission therefore considers that Regulation No 1408/71 has no application and consequently the questions concerning the interpretation of Article 93 are devoid of purpose.In case the Court should not accept its preliminary remarks the Commission observes in the alternative that both the national court and the parties to the main action wrongly assume that the plaintiff's right of action for recovery should be considered in the light of Belgian law and possibly with reference to Article 93 of Regulation No 1408/71. It is accepted in Belgian case-law and academic writing that the insurer's legal subrogation to the rights of the victim of an unlawful act is a matter governed not by the law applicable to that act but by the law governing the payment giving rise to subrogation. It follows that the circumstances in which subrogation arises in Belgium are governed not by the lex loci commissi delicti, which applies to the unlawful act and the consequences thereof, but by the law governing the status of the subrogated party by virtue of which the payment is made. It is clear from Article 93 of Regulation No 1408/71 that the same principle applies for implementation of the Communitysocial security regulations. The national court should therefore have considered whether, by reimbursing the accident victim's medical expenses, the insurer was subrogated under the law governing the insurance policy, which was Netherlands law, to the rights of the insured or whether the payment of the expenses gave it a direct right of action. Consequently, if the Court considers that the issue falls within the field of application of Regulation No 1408/71, the question on the interpretation of Article 93 does then become relevant.On the basis of those preliminary considerations the Commission observes with regard to the first question that, according to Article 1 (n) of Regulation No 1408/71, the term “institution” means, in respect of each Member State, “the body or authority responsible for administering all or part of the legislation”. The “insurance institutions” referred to in the final paragraph of Article 70 and Article 2 of the Belgian Law of 9 August 1963 fall within the definition of an “institution” contained in the Community regulation. Only in so far as the plaintiff in the main proceedings acts as the institution responsible for administering all or part of Netherlands social security legislation may it be considered to be an “institution” for the purposes of Regulation No 1408/71.As to the second question, the Commission considers that it can only be answered by interpreting Article 93 in a way which takes account of the fact that it is a conflict of laws rule. This has been stated by the Court on several occasions. In particular the Court has drawn a distinction between the question of the law applicable to the subrogation of rights on the one hand and the question of the law applicable to the exercise of the subrogated or direct rights on the other. The existence of subrogated or direct rights is determined by the legislation applicable to the institution concerned, whereas the substance of the claim is determined by the rules of national law defining how and within what limits the victim's right to compensation arises.It is therefore the law applicable by virtue of the lex fori to the victim's right of action which will determine whether, in exercising the subrogated or direct rights which it has under its own national law, the insurer may claim only against the third party liable or also against third parties which are not liable but which are nevertheless bound by law to compensate for the injury.In the present case, therefore, the plaintiff in the main proceedings could claim against the Fund only if under Netherlands law it was vested with a subrogated or direct right of action and provided that the lex loci commissi delicti, which applies in Belgium to the victim's claim, actually afforded the insured person a right of action against the Fund.In conclusion the Commission suggests that the questions submitted for a preliminary ruling should be answered as follows :1. According to Article 1 (n) of Regulation No 1408/71 the term “institution”, referred to in particular in Article 93 of that regulation, means, in respect of each Member State, the body or authority responsible for administering all or part of the legislation. Only in so far as the plaintiff in the main proceedings acts as the institution responsible for administering all or part of the social security legislation in force may it be considered to be an “institution” within the meaning of Regulation No 1408/71;2. For the purposes of Article 93 of Regulation No 1408/71 the law applicable by virtue of the lex fori to the victim's claim determines whether in exercising subrogated or direct rights the insurer may claim only against the third party liable or whether it may also exercise its right of action against third parties which are not liable but which are nevertheless bound by specific statutoiy provisions to compensate for the injury.
Ill —Answers of the parties to the questions put by the Court
The Court asked the Commission to state whether or not the answer which it suggests for the second question submitted by the national court implies that the lex fori in question (in so faias in this case it restricts the right of recovery to Belgian institutions) is compatible with the general principles of Community law and in particular with Article 7 of the Treaty.In its answer the Commission submitted that no question of any conflict between the lex fori, namely Belgian law, and Community law arises in this case. The fact that Belgian law restricts the subrogated right of action to Belgian institutions can be taken into account only in so far as the lex fori actually provides that Belgian law applies to the victim's right of action, which must be determined by the national court. Even in such a case that fact is immaterial inasmuch as the law thus referred to does not govern the question of the capacity conferred upon the institution concerned to exercise the subrogated or direct right of action. The restriction of the subrogated or direct right of action to Belgian institutions is counteracted by the provisions of Article 93 of Regulation No 1408/71 which makes no provision regarding the recognition of any subrogated or direct right of action.In reply to another question put by the Court, the insurance company NV Tiel-Utrecht Schadeverzekering confirmed that the basis of Mrs Kenis's insurance is purely contractual. It also stated that Mrs Kenis is not a worker or a member of a worker's family within the meaning of Regulation No 1408/71.
IV —Oral procedure
Oral argument was presented for the Commission of the European Communities by Manfred Beschel, a member of its Legal Department, acting as Agent, assisted by F. Herbert of the Brussels Bar.The Advocate General delivered his opinion at the sitting on 20 October 1983.
Decision
The first question
Costs
Operative part
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