Motor vehicle insurance: the limits of harmonisation

Although EU law demands – in the Consolidated Motor Insurance Directive, European Parliament and Council Directive 2009/103/EC – liability insurance for the victims of road traffic accidents, that law does not dictate the circumstances in which liability might arise. Almeida v Companhia de Seguros Fidelidade-Mundial SA; Carvalheira v Fundo de Garantia Automóvel Case C-300/10 is the most recent case to draw this distinction.

Almeida : the facts