6Article 21 of that directive, entitled ‘Claims representative’, provides:1. Each Member State shall take all measures necessary to ensure that all insurance undertakings covering the risks classified in class 10 of point A of the Annex to Directive 73/239/EEC, other than carrier’s liability, appoint a claims representative in each Member State other than that in which they have received their official authorisation.The claims representative shall be responsible for handling and settling claims arising from an accident in the cases referred to in Article 20(1).The claims representative shall be resident or established in the Member State where he is appointed....4. The claims representative shall, in relation to such claims, collect all information necessary in connection with the settlement of the claims and shall take the measures necessary to negotiate a settlement of claims.The requirement of appointing a claims representative shall not preclude the right of the injured party or his insurance undertaking to institute proceedings directly against the person who caused the accident or his insurance undertaking.5. Claims representatives shall possess sufficient powers to represent the insurance undertaking in relation to injured parties in the cases referred to in Article 20(1) and to meet their claims in full.They must be capable of examining cases in the official language(s) of the Member State of residence of the injured party....’
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