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12
Introduction
nomicanalysisoflawallowsanassessmentoftheeńectivenessoflegalso-
lutions24-fromthepointofviewoftheinterestsofbothroadusersand
insurancecompaniesaswellasthestate.Emciencywasconsideredtheidea
ofEUlaw,whoseinseparableelementsaretheruleoflawandrationality.me
ruleoflaw-representingthecommonvalueandthefoundationofdemo-
craticlegalsystems25.Rationality,understoodastheabilityofanindividual
toassessevents,makingchoices,settinggoalsandmatchingappropriate
measuresfortheirimplementation.Emciencyisoneofthefundamentsof
EUintegration.
Legalsolutionstoensurefullprotectionandemcientfinancingofroad
accidentscostsshouldbeanexpressionofacompromisebetweenlegally
justifiedrequestsofbothvictimsandperpetratorsofthedamagesandtheir
insurers.meinterestsofthestateshouldalsobetakenintoaccount.Ema-
nationofthisinterestaretheentitiesperformingacomplementaryroleto
theaforementionedentities,whichbeartheprimaryburdenofdamage.me
constructionoftheeconomicmodelallowsthelegislatortomakethemost
cost-eńectivedivisionofthefinancialburdenofthecostsofroadaccidents.
meproblemofinstitutionalprotectionagainstaccidentsandfinancing
theirconsequencesacquiresspecialmeaninginthecontextoftramcwhich
isoneofthegreatestthreatstocivilization.medevelopmentofmotorisa-
tiongoinghandinhandwiththeeliminationofborderswithintheEUmar-
ketisresponsibleforasignificantincreaseinthenumberoftransboundary
roadaccidents.misleadstoformationofrelationswithaforeignelement,
whichisnotfullyclosedwithinonestate.Assumingtheinternalautonomy
oftheEUinsurancemarket,theanalysisoftheEUsolutionsrequiredrefer-
ringtothewaysinwhichtheMemberStatesadjusttothem.meauthor
focusedmostlyonPolishsolutionsduetothedegreeofherknowledgeof
them.However,becauseofthebackgroundoftheeconomicanalysisoflaw
andtherelatedimpactofdevelopmentsinthisfieldofresearchonthelegal
systemoftheUnitedStates,inthiscontext,thelegalsolutionsusedthere
weresubjecttoanalysis.
24
J.Stelmach,B.Brożek,Metodyprawnicze,Kraków2006,p.21.
25
Z.Brodecki,Idee,zasadyogólneizasadywporządkuprawnymUniiEuropejskiej[in:]
Zasadyogólneprawawspólnotowego,ed.C.Mik,Toruń2007,p.7ń.;M.Adamczak-
-Ratecka,Odpowiedzialnośćodszkodowawczajednostekzanaruszenieprawawspólno-
towego,Warszawa2010,pp.254-255.