t\~,,(,. "'"~;;: fJI'ID"" cfl",C ~w IIh. ·l·,,· *".t' ~~/r" 'I: .It'l"ht-cLt''1: t.,. 11t\. h 19'h Year No. 53
h-".ll Mil "l?"I\, XX +, !flt(; 'ur" f 1'-"'1'"1 ·'·O,I,,,.:}". rhc O,·l· tIltl<l!~'l' fm'l} ADDIS ABABA 23,J July , 2013
CONTENTS
fT1ihCI]~ h1..;J fV'IlTIi' m." 001:1 h'PJ!- Vehicle Insurance Against Third Party Risks
.........•....•........•......................... 1X" l7fjif~1 Proclamation ............................... Page 6942
1l."J!: ofrIJ'C IfD/lit~ PROCLAMATION No. 799/2013
OOtllbC"& h&2 rr'Ot'i' (Ill1 out"l A PROCLAMA nON TO PROVIDE FOR VEHICLE
r(lll!) b."g INSlJRANCE AGAINST THIRD PARTY RISKS
',)-'S- 'I';J
Unit Price 6·80 I ~;Jt* ;Jtl,tTl T,Uf.~. il'itli
Negarit Gazette P.O.box 80,001
1~ ~i1.m~~;i: &...'l..{'-A ).?/.-}- ;m.tI, cIl'l'C ~U: ,/,yo/\ Hi .,., ili'i.(; 'i.9" Federal Ncgarit Gazette No. 53 23'd July 2013 .. .............. page 6943
b'i'A blt PART ONE
GENERAL
mt""
Ii. li ....C Cc)iI 1. Short Title
,eU hcr1: "r.,. 7ihCt)/. hY..;J rY'iI.,.C;: (I)'1') This Proclamation may be cited as the
OO~'} hcr1: chl}'C %fJi!lft'i.(";" .,.111\<' ttm.,.iI "Vehicle Insurance Against Third Party Risks
,e1-faA:: Proclamation No. 799/2013".
I. tC=2'" 2. Definitions
n!l.u hcr1: (I)·ill}' r :p". h'/fll1 ".fa :"C'I-9 u In this Proclamation unless the context
rOll.Y(\m(l)- IIAlf~ nil.,.."c :- otherwise requires:
w "oo~'} (\6).1>" OIl,,:,. .,.7ihCt)/. nY'iI.,.i1 (I)'/') 4/ "insurer" means an insurance company
ISSUing the appropriate Insurance
fa,e "tntfY..CiI(I)· hY..;J nH.u t,cr"/: 00(\1.')'
coverage In accordance with this
,,..,o,(J)-·} fooY..··} 7i~ .•} r(\m rooY..''} h'W}f
Proclamation against third party risks
~(I)' i due to vehicle;
(;1 ".,. 'fihetlt" '"1" •.,.. h)', tlA ',"P, 'fihetlt .,.:r: ". 51 "vehicle" means any wheeled motor
,Pl..,,,,,h11{}hl\.·"" U{},,..,.C U~RJ'}"!: "y. vehicle, semi trailer or trailer for use on
the road with the exception of wheelchair
n~RJ·HIt.h·c filii,'!.!: '"/'}:r:OJ' YU (},f,~'''''
and bicycle;
fllt\ ",,·,.e ·,.'fihctlt: "/'"1'fi ·,. ... n. m,f.'/"
·'·... n. ~OJ':
1.1 "fI"".,·"C .,.7ihCt)/." OIl,,:,. noot)'l.t)A (I),e9u 6/ "motor vehicle" means a vehicle moving
nh.fl.h:"/.h '),eA nOO,}'1 ~ fa,e on a road by mechanical or electrical
hr.,.'}.,.".,.(\ rtnt"~ .,.7ihCt)/. ~(I). i power;
%1 ""'' {1.''
(I),e9 ".,0II7i
u
"'' 0,''
OIItl:" ,,/,-(\. 71 "trailer" or "semi-trailer" means a vehicle
r.,."r r".,.,.c ,),eA rfl."(1)- "';r l' nlf~ which has not its own motor power and
nfl.fa fI"qn.,.C .,.7ihCt)/. fa,e tt"'mA'i which is capable of being attached and
tt"'r:" rtnt 1-A .,. 7ihCt)/. ~(I).! drawn by a motor vehicle;
,,,. ~1i.nr~'i~~ 4...r.I.·A ):)(..'}. :m,n, <Ir,'C ~i: ,hY"(\' :,:~ .,.., ~l'i.?; ~.9" . Federal Negarit Gazelle No. 53 23'" July 2013 .. . .. ' page 6')·1-1
?;I "foo~1 CPJf1r foo~') '/0.(1)·
TILfl." 8/ "insurance policy" means a contract
.,. 7ihCtu~ OY'{)"'~ (I)'n "K. f1CPJ.f Y, ct. (I). whereby an insurer undertakes to pay
fqn:,~ h~;J: fhI"JA 'I'~:" (l)K.9u f1'nl'''' compensation and cost of emergency
h•.,,/.. I"J." f1ootM.A "he.,' f t,{):ftJ..f, fuh9"'j medical treatment to any third party for
t,'lAc'/f1"'). hft~r) f1oot.09" 00Y,·, t.(J.l.(I)· death, ·bodily injury or damage to
(1)'1'1;' fnt'/llOr t.'1~ '1(1)' i
property caused by the vehicle of an
insured person;
iii "001'/~" CPJf1r CPJe.,·:f(l)·9° h(l)'/" 7~'i:
9/ "road" means any highway, urban or
fh.,.CPJ mK.9u f'lme oo')'/~ :
f.,.7ihCI"J/'P':f· CPJ.f.ntf mK.9u CPJ/'·'I/.,f(i rural street, parking or tenninal. bridge
0065J.c;:: ~A~ K. lDK.9 u .,.'/ihCI"J/. or any other passage used by a vehicle;
fOlf.m"·9 o,'" CPJe.,·:t!(I)·9 " ' "
u u
oo"'''f1t·f
'1m· i
"-1 "Y'{)''';;; m'n" CPJf1r noo~') Tf1.fl.
10/ "third party" means any person other
than the insured person, member of the
oolPlr ;)"/"'1 ..,. f{)h"'f1 f,,·'/ihCtu~ tlY. r ')
insured person's family, the driver or
OY.lt. 1.1L hoo.r:·) 10.m- : hooY,") 'm.m-
employee of the insured person to
o,·,·t.fI: ht,7ihC tltm- CDf.9" hooY,") 10.m- which an insurance policy applies at
''''''''11. t.t..,.~: O{),,..,.C f 00 Y,") 7·/tt..m- the time when vehicle accident
,,·t.'1CPJ. 'I'}' fCPJ.oof1h"·m- CPJ')~:m-9" "''' t.m- occurred giving rise to liabi lity under
'1£D-i such insurance policy;
Xl:1 "(l.,,.t.ll" CPJIl:" fooY,'1 '/0.(1)' fr~e :}Y,;;;: 13/ "family" means the spouse, child, father
A'f:: t,Il'}' he.,',}, rof.9" oo,r.:·) 10.m- or mother of the insured person or a
person under the support of the insured
fOlf.f{)"·~Y,·lm- CPJ'g:m-9" t.£D- '1m- i
person;
ny "fhlW) "71\·1' Ooo')'?{)'}' t'CPJ.mt.')'i
"'m,')"
14/ "premium tariff' means payment, the
OH.U tl'P:c': f"·Y.'111m-') t'ooY,") ;I·/tt.. amount of which to be detennined by the
f1oo'?tJ·}, OooY,") 10.m- f1ooY,") t.(J.l.m- government, made by the insured to the
fOlf.t.O?" hft~f '1m- i inSurer to purchase the insurance policy
provided under this Proclamation;
Ui/,'ft:).f: "71\·1' (It",/IJ')nlp''l· •hm) li'
"'Im')"
15/ "fund tariff' means a contribution to the
h''Y.lllII"IlIm· 1',1.(1') ,,·t"RI·) "y.
·h.I","7/,
Il,surance Fund collected by applying
(lmJ'y.~ (JJY.9 (11\." hnl'l-tl (1"7,...,,·1, "ooY,")
U
percentage or any alternative means on
t. ')p,. ·ltl. f''YJr') f1')I"() t"RIIIl') "OJ': top of the premium tariff detennined by
the government;
XV "1",{):,:t\y, fuJl9"r, h',A ..I".. ··,." "'1"'''' 16/ "emergency medical treatment" means a
lI"IJ')1.f: "y. fI~l.(} f·VlihCflt 1",~,') medical service provided to any person
9"),') .f·'" f""I°P, "I"(}'II IIh~:)m· II:J': at~ who have sustained injury as a result of
vehicle accident at the site of the
I'l,h?"r, .,.*9" U"'l;};}1I1H' "r, at c} . " ,
incident,' while on the route to a medical
Ul'l,),?"r, ,,,*(10' .r.··)'l·"~ hl,:A OJ'{)'"
institution and in the emergency ward of
f"1..1"1'" f I'll),?"r, 1",1A ..11\.. ·.,. "01': the medical institution;
"J, ..
11> :~7i.nr~W'; t..U,·A ~:)/..) • • n, '/!1'C .~t ,hY"t\, .i::~ '''1 iti'i.?; ,ty" h:der:lI Ncg:lrit (luzclle No. 53 2J,d Jul.v 2013 ... ... . ...... pagc 6945
:t41 "1,,,," ",/1\·1· "'},, 1,"IIHI'''': fllm.f... ·} {){,M.m- 17/ "compensation" means the amount of
h·W}.'" (JJ.e.,)" (llb~·}t'I,m- 1\"'-lihc:l,t 1,,,:) money to be paid by an insurance
"'-)j(m' '~""_hLA h,-,:.e ~m': company or by the Agency, as the case
may be. to victim of vehicle accident;
Xt;I"fl,I'A ·1·P.·l·" ",/1\·1· (H"lihc:l,t 1,,,;) 18/ "boJil)' injury" means any bodily injury
f "l.t'If..... "II\{)'II fll,I'I\. (JJY.')" fll,f,l\. or functional disorder on any part of the
",/·g:m·y" t,'-,:A ·,·t.1'~('! "'}:""",<J't'a. ~y. body's natural order sustained by a
f "I.{) .,.p' ..,. t'l,t"} ·1.I1..e(/!: ht.A 1):"'1. victim of vehicle accident and includes
(JJy.')" f"I(,.I\.I):"',. fl,f'A ",p.:"'} ,ef,'l':J'A: temporary, partially permanent or fully
pennanent bodily injury;
XUI "lb~'}t'I," ",/1\:,. W"'. ~,"":'·r.·'·t· Y"hc: fV,.
19/ "Agency" means the Insurance Fund
,,'}'II ftl?I):*lmm· flmJ':'} t. '}.f: 1,""",P'''C:
Administration Agency to be established
'b~'}t'I, ~m': by regulation of the Council of
Ministers;
ril "flC:,f:" ~".}, fl,,~'}{\,(J)· (JC~' 'IW'l 20/ "Board" means Board ofthe Agency;
riM "{\lD'" ~".}, f-t~.'"J'r.' t'lro· m£,?U n,-'h"? 21/ "person" means any natural or juridical
ft'lm' 'I'}' 0011.)' f ,,.t'lmro· nt)t.\ 'I(J)' ~ person;
"fi~1 tI'/'}~m''}'' fI(JJ'H'.: x:J' f,,.1t\?'m· ft'a.:,.·}'}" 22/ any expression in the masculine gender
,ef"", :J'A : : includes the feminine.
~I 1111,11 I,'}"'?" '}(l·fI h'}.,,?,· (ii) (,IMP!.,'" 2/ A policy issued pursuant to sub-article
f"'{)IIl fl,,,,,f.·'} ;rt\.t'I, Im.f:·} f'''1f1t\'''' ( I ) of this Article shall cover the
,,,'lihcf,/. t\"" .•e"C{)OJ· f , ~m· qu,.,.: fhf'A compensation payable for death, bodily
,,.Pa·l·C; f'}'fI!.·'" h,t't~ Imh~.A f"?:'flm"} injury, damage to property and the
f,'1C; fl,fI:,!J.\y. fuh'J"C; h1A c·II\.. ·.,. (JJ(;J.):} expenses of emergency medical
f"".7i'-,:·} Imtr·} hl\fI·"': : treatment arising from the insured
vehicle.
11\" j1l.j!f~~ 1..1.6-A ~.76-l- .7tf.tfJ 4c1't: ~r ,h?"t\. I~ .,., lit?; 'J.9" Federal Negarit Gazette No. 53 23 rd July 20 13 ..... .......... ..page 6946
r/ tn~I\I\ roo.(·'} 7i4f,.'} r"y.{)T r~m.(··} h·W}J' 31 Any insurance company transacting
1111.11 h'l'J: r'~~~11m-'} r,~'lihC'lt h~:) general insurance business shall be
fY'{)'~~ OJ1'} ~m.(·'} Tt\..... f~m{)m'''' obliged to issue the vehicle insurance
policy . against third party risks provided
"ly";J' hl\lI'''': :
under this Proclamation.
fY 1\·~·lihc'lt h~:) rY'{),~~ OJ1'} r~m.('·} 41 The premium tariff applicable to vehicle
Tt\..... r"'l.hLl\oJ· fhl.W} '~OP'} insurance policy against third party risks
1..~'}""OJ· U'''I.J'+ClIo,. Te;·.,. I\Y•• ~~m{)C'" shall be determined by the Council of
Ministers based on the study carried out
fI"'I. 'I.{) •.,.C'1" ~hc: 0,'''' Y-OJ{)e; A: :
and submitted by the Agency.
(;/ 1'11.11 h'}+Y, '}(}-{) h'}+X' un .f,··}:n. 51 Notwithstanding the provision of sub-
It t;c~ .~~:):)III!. f·~·lihc'lt h~:) article (4) of this Article, with regard to
rf"'Y..J' ~c'" ~mY:'} 1U.P)1'··} "he; insured persons and drivers with
h 7ihc'ltPl':f··} 1I.~~ml\h·~ ~mOJ{).(· {)I\I\II'''' repetitive vehicle accidents, the Ministry
shall issue directive as to the applicable
"hC~~ 1..~'}""m- {J'''I.J' ~C1m- Te;·'" I\Y.
measure based on the study carried out
"'~m{)C'" ''Y..'I.{).-I:';, ~m~mtJ' J'OJtIIA: I
by the Agency.
5. Restrictions on the Scooe of Application of
Insurance Policy
nH.u htp;f: ooLPl-r f"t(a'"}' foo,f... ·} r .... hC A certificate of ' insurance issued in
ml"'-r .,.,"},,,,, f.,.00I\h1:-r1 rh1Y-r nD1i.('l"? accordance with this Proclamation may not
'I-~-r I\~l(an-r (am· 00.('1 (a6J.b m- t)~ make restrictions on the obligations of the
h1~,eh~A I\OO'/~-n hY .... "fI\·-r?o:- insurer to pay compensation on grounds of:
61 .,.1ihCt)tm- nh'/A"?""-r ",e f"tm-An-r1 41 the time at which or the area within
'Ut. m,er ht)qn.:: which the vehicle is used.
e/ flooY:,} '/0.(1)· ''''''1'C' rllll.llt· ll(J)o OFI,.(I)· 2/ collision or death or bodily injury or
damage to property caused to a person
I\J!, fOlf.f.CtI r'16f!")' ilY.;J (J}f.l}" rlJD')'
hired by the insured person and occurred
t,Y..') (J}f.l}" fill'JA 'I'~r (1)Y.tjD f·}·fll.·'" in the course of such employment;
',. p,:,. i
j;/ 00Y:,) O.,.'/fI,,-l· .,.7ihCI'J/. I\J!, fOlf.f.Cll(1)·'} 3/ damage to the insured vehicle;
'I'~r !
(";/ lIII'g:(J)ol}" noof.·') T ".ll. 7itf.') r'''llm(J)o 5/ liability in respect of damage to the
personal property of insured person
roof.·'} 'In. r'1A ')lll')' (J}f.l}" nCll·
covered by insurance policy or damage
4:1'1'C (J}f.l}" 'II\/.. ~~). OJf.l}" M,Y.t- to property under the control or
rllll.'I~~ '}lll')' I\f. fllll.Y.CtI 'I·~;h responsibility or custody of the insured
person;
~/ htl. ,)·r-A· f '1 t j-}. hAA (J)or.tl. r Y.lll 6/ liability in respect of vehicle accident
r,,.7ihC'11. t,Y.;J ·,.h,)·t\o roofl] "I\/..~.).:: occurred outside the territory of Ethiopia.
~. bAM 8. Prohibitions
lIII'}~(I)'9° ll(1)' Tlttl.
f.,.7ihCI'J/. 00Y:,} No person may, for the purpose of obtaining
a vehicle insurance policy, make any false
"lIII'11r tl.A f TILtl.(I)·'} "'/..~Olf.~r ILftl4'C
statements resulting in the non-applicability
f 0lf.1· A lJll.,. ~ 00'1 t\ 6fi. ootlm r (I) J!, 9°
of such policy or commit any act which
OTILtl.(I)· I\J!, f"(I)''} oollr ILftl4'C f0lf.1·A
disentitles him to claim under such policy.
lIII'iT(1)',}9° Y:C'I.,r 00/..1.9° ilf,1'A9°::
12t ~7lii~~~ J..1.~-A ):'(,T ..?""I 4t'1'r. ~i: ,It?"t\. X~ .,., !tit?; 'U" Federal Negarit Gazette No. 53 23 rJ July 2013 . . .. page 6948
bt;;A V'cat
PART THREE
CERTI FlCATE OF INSURANCE
j. rout] rObe (I),.,.t OtlooOmt 9. Issuance of Certificate of Insurance
(:if roo~1 h-fl1f 1\00~1 '/llm' roo~1 Tlt.ft
1/ An insurance company shall issue a
ODll.'Vl'n* 'ut roo~1 ?OfltJC ml4'*?O certi ficate of insurance to the insured
nfle' oohm* nI\O*:: person at the same time when it issues an
insurance policy.
~f 0t\.u n1.,.1\ 10·fI n14'1\ «(:i) oolPl*
rDll. ....l' roo~1 ?OflhC ml4'*:- 2/ A certificate of insurance issued pursuant
to sub-article (I) of this Article shall
U) roo~1 'la.m·1 fI?OC.i n~/~?i; include the following particulars:
1\) r1-7ihCt)/.m-1 rlPt\.~: rqn1-cc.i r?ift a) name and address of the insured;
~'l'e':Y'; b) identification plate, chassis and
en) roo~1 Tlt.ftm· motor numbers of the vehicle;
rDll.fO.4'o* 'UI.; c) the time of commencement and
expiry of the insurance policy;
00) roo~1 TI\.ltm-
u, '1.;1- ?J:Y'1 d) conditions subject to which the
insurance policy is issued;
IP) Ooo~1 Tlt.ftm· 1-m.4'Dll. rDll.If'l-*1
ll?J:Y' m~r m'/'i1'; 'hCj e) persons or parties entitled under the
insurance policy; and
l) roo~1 ll~m~- fI?OCj n~t-?i;
oofl1 nI\O*:: f) name and address of the insurer.
rI Ooo~1 ?OfltJC ml4'rf; ,,~ 00~1 ll6f.b m- 3/ The insurer shall endorse on the certificate
r?OfltlC ml4'rf; r1-llmO* roo~1 7-lt.ft of insurance a declaration to the effect that
° tLU n q' 1: r 1- J'. 'I '1'1- * 1 oofl,<. C.,. :y. the insurance policy to which the
certificate is issued complies with the
rDll.ftPJ." 001f'l"1 OfJl;J'/'l' nI\O*::
requirements of this Proclamation.
!j/ r~m.f.-'} ·liti.'} OJ'A n*G1' mY.'/" rOJ·A 4/ Upon termination or the expiry of the
II~m", n.t'A"" ~m.f.:·} 1U.OJ· r~m.f.·'} '/"flhc insurance policy, the insured person shall
mG""':'}C; r~m.f.··} ,,.l\t'M.OJ·'} mJlYOJ'''' immediately hand over to the insurer the
certificate · of insurance and the insurance
Il~m.f:'} t'lhl.I>(I)· ~m~ml\fI I',MJ'}: :
sticker.
~/ (III," "'}"'Y.' ·}O·fI 1', '}'" y.' ((:i) r·,· J!. "11(1)' 2/ Notwithstanding the provisions of sub-
article (I) of this Article a certificate of
n.tic,/" IIIJ4! '/"tny·} hl','H~: (}~m.} ",.,t'I
insurance may be issued for a period that
1.11. t\"?t'l1' r~m.f.:'} Tt\.n rOJ'A ,,~m",'} correspond to the period of insurance
~mt'lG'} y J!.G1 r~mJ~"} '/"flhr. ml...,·'} policy issued for less than one year on the
1t.t'l1' y.l·"'A:: 1',t.,~Y.tID.·} ,,'}J!."flt.,"' 1. .,.,: basis of sufficient grounds. The Ministry
shall, when necessary, issue directive on
1..~'}nOJ· (I'''I.J'.,.cnOJ· rOJ·It~ ~1t'1J ",y.
the implementation of same based on the
'''~m p'C.,. fill. ~fI'I:-:. (J~m~m/,Y Y.mflC; A:: recommendation submitted by the Agency.
·t~ ~7i.;;r~'m ~~"·A ~,:)".'), .:)II."t 4:1'C .Yi: (h?"(\. :'::~ 4'1 j(j"i.i.~ <}.9" Federal Negarit Gazette No. 53 23 'J July 2013 ...... .. page 6949
hi oYJ 1r;:m'9° 00 1: 1 tVi.'" \' 001: 1 .,. fl fll.{. 1/ Any insurer shall provide the insured
9°Ah'}' ,,.cifiO. hlf~(J)- \,oo~"} 9"ilhC insurance sticker together with
corresponding certificate of insurance.
ml.,.'}· ;.JC floo1:1 'I(lro- ooflm-r hflO-r::
!f! h.{.-r fl.{.-r \,'H·iI ooh"hf ooil;rm-r "flm· 2/ In case of a vehicle having windscreen
.,. 7ihCt"Jt. \"""'mm' \'001:1 .,.flfll.{. 9°Ah-r the insurance sticker issued for the
oo·fl· floo·fl· W7A() h1~oYJ.;J·~ If'i mLu, vehicle shall be displayed fully on the
oofl;t-m-r ,,~ ooflm~ hfln:":: windscreen.
N ""'' 0. m~9° \'·H.iI ooh"hf O! 'iI;J'm-r 3/ The insurance sticker for a trai ler or a
""'flm' "'7ihCt"J1. \"""'m \,00~1 .,.flfll.{. vehicle without windscreen shall always
?"Ah-r rN!\ '1.""9° .,.7ihCt"Jl.m·1 OD1l.~~m· be kept with the driver.
"'m' h'f: 00<1'001]' hflO-r::
Ir. '001:1 tt\tlJk "'''bt bt\oriflf mg,r 13. Non-Possession and Absence of Insurance
bt\oo'iC Sticker
~I ro~;J''f rlr~ roo~"} ,,.ftlTJ~. ?"Ah-}' 21 The absence of valid insurance stick-er
t.ftoo'j'C ,,. 7ihC'16lJJ- noo,},I~' I\Y. fl. ~~ shall indicate absence of valid insurance
roy.?" 1'.-,.?" I\Y, fI.lJJ-A foci roo~"} Tft.fI. pol icy when the vehicle is dri ven or
rAftlJJ- oolr~·'} ilftDII.m4:?" '''1n.lJJ- roo~"} being used on a road. Unless the
?"iltiC ml.,.·}· hil'IA .,.In .f: lil appropriate certificate of insurance is
h'}Y.IJ·~;rlJJ- r·,.7ihc'16lJJ- CJftll.·}· my,?" presented' it shall be deemed that the
nu'1 '11\~, ~,}. fftn,}· ro1'} roy,?" owner of such vehicle or the person
"'7ihC'16lJJ- noo'}1~' I\Y. h'}~.~~ my,?" legally responsible or the person who
1"""9" I\Y, h ·}~.ro·A fY.l·1 roY,?" r ~ . .,. Y. caused or pennitted the vehicle to be
dri ven or used on a road or the person
roy.9" ·,·7ihC'16lJJ-'} fl. ~~ roy,?" fI.m"'?"
r~nl fllJJ- f".U'} t.'P;fi: ~·'};J1.PJ-:''' driving or using the vehicle, as
h·}~·"l\ft~. Y.~mt·A::
appropriate, violated the provision of this
Proclamation.
ooY:1 'Ulm· hl7ll.h'f'ft·1- 9u t"}f.y.:r· rDll,oo~(.t); The insured shall secure insurance coverage
for liabilities arising from:
'11\~~.y.:r. nDll,'/CJm· ooY:'} h1~1i,(.~· rDIIY:l'1
'1Y.o:J" ,e'iCn:J"A:-
II collision, fire or explosion caused by the
~I ooY:1 r""/l1ft1- "'7ihCI'Jt. rDll,f~Cflm'
insured vehicle;
'1'"1."1- -: rhllt. .4'mft" m,e9u ~'~:J" i
e/ r.,.7ihCI'Jt.m· 61"~1- -: ~I'JA m,e9° 21 the fall of objects carried by the vehicle,
rDII:Ift'/An1- ooUft.f mY:cf rDll,f~Cflm· its accessories or tools being used in
'I·~-l· i h ci connection with the vehicle; and
PART FIVE
INSURANCE FUND
lB. "..t:t:r 19. Establishment
roo.('1 &.1.(' (httu n:1" "&.1.(''' hr,,.lltl An Insurance Fund (hereinafter the "Fund")
rD?m/.-) <J:D? rtJ-f,cj1ll 9 16).1o lflj nn.Tt'-A-f
U is hereby established as a pennanent source
1Ich./.. 'f 1l1h nD?h&.T A~ rll1h V\lI (D-ll1' of finance to be deposited in a special bank
''''''D?6).b h 1.atlf1 nttu h 'P ~ "'<J:+-OJ.A:: account to be opened at the National Bank of
Ethiopia.
20, Objectives of the Fund
ii/ I' L '}~. f~"117 1m .f.:'} 11 A '''"llll\'''' aJ Y,'r II The Fund shall have objectives, in case
of accident caused by uninsured or
llA:J-at+ ·,.'lihe'I/,-1\J!..;J 'rlY} .(1'''':-
untraced vehicle, to:
II) 'I'~'''' I' ~I. ... n·'" "'m· l,ll:l: ~.. y. ru"'re; a} provide emergency medical
treatment to a person who has
n1A 0/1\....,. "'}J.L.(l1~ 1171: I. "/1
sustained injury;
") rl,'IA 'I-~'''' tl~l. ... n·'" ... m- 'I'" b} provide compensation to a person
"'}J.LhL"m· 117 .f: I. 0/ : "e; who has sustained bodily injury; and
Y.(fe; A: :
ft./ IIII.U n·},,·,,·
'}(l·ll n'}+'"
(ii) mll"I.'''' 21 The amount of compensation to be paid
h.{.')~. r"?hLl\m· 1'1')1"11 Imm'} IIII.U from the Fund in accordance with sub-
"'I''; 1,'}+,,' I~ Iml~'I.'''' n""lihe'l/' ,,~:J article (I) of this Article shall be
equivalent to the extent of liability to be
rY'll"';;: oJ1'} m •.f."} ;r "..... lI'I1,.i1'.{. ~OJ'
covered by vehicle insurance policy
r.,,,.{.',,.,.
m'm'} .f.·l.ll Y.(fe;A I:
against third party risks in accordance
with Article 16 of this Proclamation.
j:/ "'~'}""m' n".u ,,'}+,,- '}(l·ll "'}+". (Ii) "e; 31 The Agency shall be entitled to claim its
(ft.) Iml"I.'''' J'attllo,,') ffl(;1.1. "'I'~'I: cost incurred in compliance with sub-
n.,,,.{.~,,,, 'hnJ'-I! h(f~OJ' "'OJ' "y. article (I) and (2) of this Article from the
person responsible for the accident.
rl17lllm "ll Im·n·.,. y.C; 1.'1' A: :
fl. r"')ll1:S: p'AtfJ1C; t,qc 22. Power and Duties of the Ministry
~I 011. U t,')",1\' ')O·/l t,')",1\' (M oolll. ,}- 21 The amount of fund tariff to be collected
rOlf.llOllO(J)o t'1.:)Y: 'fooo') On,~')ll.(J)o rrCj'}- in accordance with sub-artic1e (I) of this
Article shall be determined by the
Ity. 'fooo~Cf' 00lf. ~./l'}'C'-:". 9"hC n'}-
Council of Ministers based on the study
rOlf.CDll') y,(fciA::
undertaken by the Agency.
i!1 0!i(iTCU'9° rUh9°'j '1'*9° r·,·7ihCtJ/. nY.;J 21 Any medical institution shall have the
y'C(aO~~ my. uh9 (i U
"'*00' (\oofll O!i')~ duty to provide emergency medical
treatment to any victim of a vehicle
CU'9" "'1)1. nll:ft.L.e ruh9 U
'" n'/A '1/r'~'
accident when approached by such
roollm-r '1y.,;}, n(\O-r::
victim. .
f.;/ 'IlJ'P;: (IJ'~ ,,,'fihe.,/, II"?J' ~C"'OJ' .,.~ ,).
31 The medical institution shall be entitled
ruhyo') ,,,!I:(IP. t\nll:I:~\Y, ruhyoC; to claim its expenses for the emergency
1,1A nll\"'} ,fa,u,(IJ"} aJ'J.l, 1I1b~'}fI.(IJ· medical treatment due to vehicle
1,c}/r(I..,,} ''?~.ll'I:C;. 1I''?.fw u,(IJ' rhc,:,f accident in accordance with the directive
1,~.~~~ mUR'tJ' UIJIJIl.')' ,,'}-'thLt\oJ' to be issued by the Ministry upon the
recommendation of the Agency.
t\. mY.:" Y, :t· ~ A ::
41 The medical institution shall be entitled
~/ UIJ .f: '} .f A '''1f1 t\ ,). a' y. ~ ,f A:J ·W"" to claim its expenses for the medical
,,,'fihe •• /, t\ ''?,f ~C"'(IJ' ,,.~.} ruh~C; treatment due to an accident occurred by
,,,!l:flP • t\uhyo') n"A "'11\":" .fW(I'(IJ"} W'J.l. uninsured or untraced vehicle directly
1111.11 n9''; 1,'}"'~' ?!.~ mJlPI.'} IH'1' :J' from the Fund as provided under Article
h L '}~. ,,'}'-:" h L t\ (IJ' t\ m'm r:" y.:}". ~ A :: 24 of this Proclamation.
fi. 1.."Hl ~'1 oooo&t ftllJ(JJ:tlJT llAtlJ1 29. Power to Issue Regulation and Directive
?il rl11l.'l.Il-rC'";f· 9DhC n.-r .eu') nCP~ II The Council of Ministers may issue
t\0!i1l'{.~9D rl11l.fll,{.A·I· y''}(1";f.,} It.fcu('l regulations necessary for the
f.,";f·"A :: implementation of this Proclamation.
~I DII.~.Il·I;~ Y.u'} nCP~'j OH.u n'}"'') '}O·1l 21 The Ministry may issue directives
t,'}".,) (Ii) oolPl'}' rCDm' Y:}{J";f"} necessary for the implementation of this
(\DIIIl'{.69" fDII.fll,{.A1· ooootfSU":f"} Proclamation and regulations issued
ft.Ymfll Y::;'''A:: pursuant to sub-article (I) of this Article.
30. Penalty
0. ~
Any person who violates the provision of this
DII'}~(D·9D "(D' rlLu') nCP~ m.e9D mlu nCP~
Proclamation or regulations issued pursuant
oolPl-r rmfll Y.,}fI,} ~'};J'! ,,."At:: r""ll
to this Proclamation shall be punished with a
"'} Y.lf~ hflC rit. hllh flC ?iit Ol11l.Y.CIl r'I'}HfI fine from Birr 3,000 up to Birr 5,000 or with
00"'l!'" mf.,9° hn'}~ ~oo-r hllh u·ft-r ~oo-r imprisonment from one year up to two year.
Ol11l.Y.CIl hPJlr-r .e.,.fllA::
GIRMA WOLDEGIORGIS
"