European Union Product Legal responsibility Legislation and its (Unsure) Future – Some Ideas on LF v. Sanofi Pasteur case – Cyber Tech

Magdalena Tulibacka, Director
of the Heart of Worldwide and Comparative Legislation, Visiting Assistant
Professor of Apply, Emory Legislation Faculty 

Picture credit score: Pexels, by way of Wikimedia commons

 

It’s tough to overstate the
significance of the forthcoming judgment of the European Court docket of Justice (ECJ)
in LF v. Sanofi Pasteur.1 The judgment, if it follows the
latest opinion of ECJ’s Advocate Basic (AG) Medina,2 is more likely to
create a significant shift within the system of legal responsibility established by the EU’s Product
Legal responsibility Directive (PLD).3

Three questions referred to the
ECJ by the Court docket of Enchantment of Rouen arose in a case involving a vaccine
produced by Sanofi Pasteur. The case considerations a kind of a well being damage
referred to by the French courtroom as a progressive situation.4 The
claimant began experiencing ache and different well being complaints after being
vaccinated. Her situation stored getting progressively worse. Even accounting for
the continued worsening of LF’s well being, nonetheless, it’s considerably puzzling how
lengthy it took for the case to succeed in the courts.5 It seems that LF
waited 11 years from the time of look of first signs and seven years from
the prognosis of her situation to begin proceedings earlier than a compensation
scheme, which rejected the declare due to lack of causal hyperlink,6 and
3 additional years to deliver a lawsuit in opposition to Sanofi.7 As held by two
French courts contemplating this case, following Article 1245-15 and 1245-16 of
Code Civil (implementing the provisions of the PLD on limitation intervals), LF’s
actions have been thus time-barred.8

The Cour de Cassation, nonetheless,
determined to refer the case again to a Court docket of Enchantment of Rouen to check a few of
the latest arguments that appeared in its personal jurisprudence and in judgments of
different courts in opposition to the applying of limitation intervals in different home
regimes when progressive circumstances are involved.9

With a purpose to allow LF’s case
in opposition to Sanofi to proceed, the Court docket of Enchantment requested to begin with whether or not a
potential sufferer of a faulty product might deliver a case in opposition to its
producers primarily based on fault in lack of vigilance and lack of expertise about
the dangers of utilizing the merchandise. That is very tough to reconcile with the
PLD – a system that doesn’t enable another basic product legal responsibility system
performing on the identical foundation to exist. The first cause that this query
arose within the case appears to be that French regulation has extra beneficiant closing dates for
basic tort legal responsibility claims, and thus LF might nonetheless arguably deliver her declare
in opposition to Sanofi.

The 2 remaining questions
relate to the system of legal responsibility established by PLD and carried out into
French regulation, and particularly its limitation intervals and their software in
instances of progressive illnesses. The questions might be summarized as follows:

Does the PLD’s
10-year lengthy cease interval adjust to the best to an efficient treatment as
offered in Article 47 of the EU’s Constitution of Elementary Rights,10 when
it applies to instances of progressive circumstances?

Does the Directive enable for the
3-year limitation interval to begin, in instances of progressive accidents, when the
damage or situation has stabilized, not when the claimant knew or ought to have
identified about it, as indicated in PLD?

These questions push the
boundaries of what the system of the Directive established. With its strict
legal responsibility for property harm, private damage and dying brought on by faulty
merchandise, the PLD launched one of many world’s most influential and
complete product legal responsibility programs. The Directive goals to be an entire system
of legal responsibility guidelines, fastidiously balancing the number of pursuits concerned: the
pursuits of victims of faulty merchandise, the business, and even society as a
entire. Just lately, the PLD skilled a significant overhaul, and a brand new Directive was
enacted, bringing the European product legal responsibility regulation into the digitalized,
more and more complicated market actuality.11 The brand new guidelines are usually not but in
drive and don’t apply within the case at hand, however they do mirror the present
consensus on the entire system. The adjustments associated to limitation intervals will
be described under.

The Directive continues to rely
on nationwide legal guidelines of EU Member States for interpretation and software of
main parts of legal responsibility, equivalent to defect, harm, and causal hyperlink. It additionally
co-exists with different nationwide contractual and non-contractual legal responsibility programs
in addition to compensation schemes for redress of injury brought on by faulty
merchandise. It’s at this juncture – the interplay with the nationwide programs of
legal guidelines and cures – that many questions come up, this case being a very good instance.

In response to the French courtroom’s
questions, the AG means that the ECJ must conclude as follows:

         
Victims of faulty merchandise can deliver actions
in opposition to the producers of those merchandise utilizing nationwide tort-based, fault-based
legal responsibility, so long as the alleged fault consists of things not solely
associated to defectiveness of the product (like failures in vigilance).12

         
The ten-year lengthy cease launched within the
Directive is invalid within the mild of Article 47 of the EU’s Constitution of
Elementary Rights, ‘in as far as its software has the impact of
extinguishing the best to say compensation of injured individuals affected by
a progressive illness who, based on medical proof, because of the
progressive nature of their medical situation, can not absolutely consider the harm
brought about to them and have due to this fact been unable to provoke proceedings in opposition to
the producer inside that interval, thereby depriving these individuals of their proper
of entry to a courtroom’.13

‘Within the state of affairs of a
progressive illness, the three-year limitation interval established in that
provision begins to run on the date of stabilisation of the harm, outlined as
the second from which, based on medical proof, the situation of the
injured particular person is now not evolving.’14

For some context: the French
system continues to problem the utmost harmonization the PLD was meant to
guarantee. As regards the implementation of the PLD, France was reprimanded by the
ECJ for late after which improper implementation and wanted to amend its regulation.15

Additional, the French tort
legal responsibility system, and to some extent even its contractual legal responsibility,
traditionally offered a extra engaging choice for victims of faulty
merchandise.16 The French product legal responsibility regulation was developed by courts within the
general consumer-friendly local weather, the place the important thing function of legal responsibility guidelines was
for victims of faulty merchandise to be compensated, as principally strict legal responsibility
of producers and suppliers.17 French courts have been open to
abandoning the requirement of proving fault, in addition to to adopting
presumptions of causation and defect in product legal responsibility instances – the method
that’s not frequent amongst different EU Member States.18 As talked about
above, the overall tort legal responsibility system in France offers extra beneficiant
limitation intervals as properly. It’s thus not obscure why some
victims could want to resort to this basic legal responsibility system as a substitute of the one
established by the implementation of the PLD.

 

Reflecting on query 1.

In reference to the interplay
between the PLD and the nationwide legal responsibility programs, the AG’s opinion displays a
distinctive conundrum. Whereas the Directive was not meant to be the one system of
legal responsibility the place victims of faulty merchandise might recuperate compensation, it’s
the one system of goal (‘defect-based’)19 legal responsibility for such
merchandise. Throughout the scope of legal responsibility as set out by the Directive, its guidelines
represent the edge and the ceiling. Article 13 PLD offers that the
Directive doesn’t have an effect on any rights an injured particular person could have based on
the principles of contractual and non-contractual legal responsibility or a particular legal responsibility
system. This provision was additional elucidated in ECJ’s jurisprudence. In Gonzalez
Sanchez
the Court docket highlighted that legal responsibility programs primarily based on different grounds:
equivalent to fault or a guaranty in respect of hidden defects, might stay it
operation.20 In Fee v France, a basic product
legal responsibility system completely different from that offered by the Directive was held not
permissible.21 In response to Gonzalez Sanchez, as confirmed by
the AG within the present case, the Directive is the unique supply for instances
the place the legal responsibility follows a faulty product (as outlined by PLD) inflicting
harm or damage an individual.22 Fault just isn’t related on this system.
The notion of defect as offered by the Directive focuses on lack of security.23

The AG’s argument that resorting
to basic tort legal responsibility guidelines must be potential if it may very well be established
that the defendant was at fault by failing in its vigilance duties, nonetheless, is
not very convincing. If the essence of the defendant’s fault is lack of
vigilance over the product and the alleged lack of response (maybe by pulling
the vaccine off the market), just isn’t the dearth of security within the product the
situation si ne qua non right here? Security and vigilance appear to be very carefully tied
in European regulation. Throughout the context of product legal responsibility, courts can not deem
that there was a failure in vigilance with out additionally assessing whether or not there was
a defect (lack of security). The AG means that fault on this case consists of
components not solely associated to defectiveness of the product.24

However absolutely, monitoring of the
product’s security as soon as it enters the market is a requirement that options
closely in European Union legal guidelines on product security. Pharmaceutical merchandise carry
a uniquely stringent set of necessities as regards monitoring. Additional, within the
context of product legal responsibility, failure to warn of potential dangers, quite than
being some further criterion or requirement, is a characteristic of defect. Even
although the PLD doesn’t acknowledge the US-style ‘boxing’ of kinds of defects
(into manufacturing, failure to warn and design defects), these three varieties are
widely known in literature and jurisprudence throughout the EU and past.

For my part, the AG’s
suggestions on this matter don’t adjust to the textual content of the Directive and
the character and spirit of product legal responsibility regulation as established by it.

 

Reflecting on Questions 2 and
3:

Allow us to now transfer to the query
of limitation intervals underneath the Directive. Typically, authorized programs distinguish
two kinds of limitation intervals:

         
What we will name ‘peculiar’ limitation intervals –
procedural in nature and infrequently, in product legal responsibility instances, depending on
subjective discovery of the damage/harm and the particular person accountable or liable
to redress it. This second of subjective discovery can be when the reason for
motion accrues.

         
Lengthy-stops (additionally known as preclusion,
prescription, long-stop, or repose) – extra substantive in nature (in some
programs, such because the PLD, a protracted cease is known as a interval after which
the claimant’s rights are extinguished), and depending on goal standards,
not on the subjective place/state of affairs of the claimant.

Components at play within the
willpower of those intervals might be broadly categorised into the next
classes:

         
Substantive, constitutional and elementary
rights arguments: authorized certainty and rule of regulation, finality, honest trial, entry
to justice and efficient treatment,

         
Procedural and evidential arguments: impact of
the passing of time on availability of proof, and

         
Financial arguments – ‘closing the books’,
calculation of threat and legal responsibility publicity, acquiring reasonably priced insurance coverage
protection.

In abstract: willpower of
limitation and expiry intervals is all the time a product of compromise between the plaintiff
and the defendant pursuits, but additionally wider social pursuits in justice being
performed on the one hand and in encouraging progress and growth of latest
merchandise alternatively. Such a compromise has been established within the PLD.
It has remained in place until as we speak and survived the excellent reform of
the Directive in 2024, with some adjustments.

Within the previous PLD, claimants can
deliver product legal responsibility fits inside 3 years from after they grew to become conscious, or
ought to moderately have grow to be conscious, of the harm, the defect and the identification
of the producer. Additional, the rights underneath the Directive expire 10 years from
when the product was positioned into circulation.25 Within the new PLD, the
3-year limitation interval has been retained just about unchanged. The ten-year
long-stop is now known as ‘expiry interval’. It has additionally been retained largely
unchanged (with the modification of the beginning of the interval for considerably
modified merchandise). Nevertheless, an exception was launched the place an injured
particular person just isn’t in a position to provoke proceedings inside 10 years because of the latency
of her damage. The interval in such instances is prolonged to 25 years.

The French Court docket’s questions
tackle each the limitation interval and what’s now known as the expiry interval.
With regard to the latter, the query is whether or not its very existence is
opposite to Article 47 of the EU Constitution of Elementary Rights as regards
progressive circumstances. The Constitution, as a part of the Treaties and thus main
EU regulation, might be the premise for a constitutional assessment by the ECJ of any legally
binding EU measure. Any secondary EU regulation, together with the PLD, which doesn’t
adjust to its requirement that everybody whose rights assured by EU regulation
have been violated ought to have entry to an efficient treatment (Article 47), might be
declared no less than partially void.

The opinion of the AG
recommending precisely such an final result must be checked out within the context of the
views of the ECtHR. In its 2020 judgment in Sanofi v. France and in an earlier
judgment in Howard Moor v Switzerland the ECtHR held that the long-stop
violated the best to entry to justice of victims who suffered from latent
illnesses.26

The latest modification of the PLD
extending the expiry interval to 25 years for latent circumstances addresses these
considerations, albeit sadly the brand new PLD doesn’t present a definition of
latency leaving its willpower to nationwide regulation. It’s potential that even
this longer interval could not all the time be ample, as sure merchandise could properly
trigger accidents and illnesses with a for much longer latency interval than 25 years.
Maybe the interval will must be prolonged sooner or later for some latent
circumstances, however we’re not able to abandon it totally. We’re additionally not prepared
to depart the choice whether or not or not it applies to courts if the circumstances are
already current however, based on the claimant’s docs, could not have
stabilized. The long-stop (expiry interval) constitutes one of many elementary parts
of the steadiness of consumer-business pursuits set out by the PLD. Any
amendments to it would little doubt trigger a push-back from the business aspect and
requires rebalancing the entire system. Particularly amendments which have their
roots in undefined authorized and medical ideas.

What is especially regarding
within the case at hand is that the AG is prepared to permit the distinctive method
adopted by some French judiciary for progressive circumstances for use in instances
primarily based on the Product Legal responsibility Directive, probably extending its impact
throughout different EU Member States. The query of progressive accidents is itself
problematic. Additional, this method focuses on an (as but undefined) idea of
‘stabilization’.

I’ll now tackle each these
ideas and their software to limitation intervals.

Progressive circumstances imply that
the damage is thought for a while, albeit not in its entirety. The French
argument is that the claimant won’t be able to evaluate the complete extent of the
harm whereas her situation retains creating, and thus, no limitation interval
must be operating till the claimant’s situation ‘stabilizes’.27 The
notion of a progressive situation or illness just isn’t outlined within the Directive.
It is usually unlikely that the ECJ would offer such a definition, as it’s
quite a medical and a case-specific time period. Thus, the precise that means can be
decided by docs inside every EU state – and that’s what the AG seeks to keep away from.

If one have been to agree with the
opinion of the AG addressing questions 2 and three, it could imply that for
progressive illnesses the one limitation interval is three years from the second
when the claimant’s docs conclude that her situation has stabilized (because the
ten-year interval can be disapplied). The AG’s argument that an EU-level
method is required in such instances and the response can’t be left to Member
States, must be recommended however what she suggests is, in my opinion, the mistaken means
to method this.

It appears from the submissions by
the German authorities within the case that the issues with the progressive
illnesses and the ensuing limitations in entry to treatment might be a
downside with the French system. Whereas it’s a undeniable fact that provisional damages are
usually not out there in civil regulation programs, such programs produce other methods in
which victims can deliver fits earlier than their accidents current themselves of their
entirety (equivalent to bringing declaratory actions). Fits might be introduced whereas the
claimant’s situation is creating, and courts can assess potential future
damages as a part of the compensation award. Further fits can probably be
introduced as follow-on actions when new circumstances develop, or the prevailing
situation worsens past what was initially predicted. The textual content of the AG’s
opinion accommodates statements to the impact that French regulation, in distinction to different
authorized programs within the EU, doesn’t enable claims for compensation of future
damages or provisional damages. It appears to additionally point out that the claimant could
not be capable to deliver follow-on claims. If that’s certainly the case, there’s a
important systemic downside in French guidelines of damages. However a extra probably
reply is that, in France, there are alternatives for assessing of future damages
and taking them into consideration within the remaining willpower of compensation quantities
because of the claimant, and there are additionally prospects for bringing follow-on
claims.

The appliance and enforcement
of substantive rights granted by EU regulation has all the time been depending on nationwide
remedial and procedural guidelines, topic to the necessities of effectiveness and
equivalence. Right here this precept is utilized backwards – the AG is permitting the
perceived deficiencies in these nationwide programs to trigger the entire, fastidiously
constructed compromise of PLD to be shaken. Wouldn’t it not be a greater thought for
the ECJ to request that solely French regulation is clarified on this respect, thus
sustaining the coherence of the entire PLD system throughout the EU?

The French requirement that the limitation
interval doesn’t begin operating till the claimant’s illness has ‘stabilized’,
was already topic to a judgment by the ECtHR, the place Sanofi challenged France
alleging that Article 6.1 of the European Conference of Human Rights (proper to
honest trial) was violated. The ECtHR concluded that France was inside the limits
of the discretion (margin of appreciation) granted by the Conference when it
allowed the limitation interval to be approached on this means by its courts.28
This judgment was issued in a special authorized context – particularly one the place
the ECHR is thought for granting the states-parties a sure margin of
appreciation. Right here, within the context of the EU PLD, the discretion is severely
restricted.

Retaining the beginning of the
limitation interval versatile and topic to the choice of the physician and the
courtroom in every case to the extent steered by the AG can probably create
uncertainty. It’s problematic from the attitude of entry to proof, the
query of who has the facility to find out ‘stabilization’, and the rights of
the defendants.29 It may well additionally result in probably undesirable penalties
of depriving the sufferer of a faulty product of entry to a treatment. The way in which
the beginning of the peculiar limitation intervals is normally understood is that it
means the reason for motion accrued. If the reason for motion doesn’t accrue till
the particular person’s situation ‘stabilizes’, might it not be argued that sufferers who
don’t want to look ahead to this second shouldn’t have a declare? Would this not deprive
many victims of entry to treatment for a probably very long time, and infrequently for the
remainder of their life?

One other level price noting is
that if we enable victims of faulty merchandise to attend with bringing instances
till their situation has stabilized, which may imply after their dying, we could
be leaving the defendants ready the place they’re to count on lurking
lawsuits, normally by households of people that died. Thus, if the ECJ have been to
undertake the AG’s suggestion on this respect, maybe it could be advisable to
introduce a notification requirement into the PLD for such conditions, equivalent to
the one within the Cost Providers Directive, lately interpreted by the ECJ.30 If
we take the necessity for an efficient treatment into consideration, it might be a extra
efficient, and extra proportionate, response to require the claimant to inform
the defendant of their damage, even when the latter continues to be progressing. Such a
step would offer the defendant with the information of the declare and a few degree
of readability, in addition to present the claimant with the knowledge that their declare
won’t be time barred. Additional, the notification might present an
encouragement for the events to settle.

 

Conclusions:

Regardless of the latest
complete reform of the PLD, some essential components of the European Union
product legal responsibility system are on no account settled, thus creating uncertainty for
potential plaintiffs and defendants. This remark cautions in opposition to following
the AG’s opinion as a result of, whereas it might help the claimant (LF) in her case, it
might create a destabilizing impact on the EU-wide product legal responsibility system.
The AG’s suggestions on this case are a priority. In a actuality the place
European authorized programs – by their legislators and courts – proceed to
face tough instances of accidents, they’re sure to experiment, introduce new
programs, new guidelines, and new methods of interpretation and software of the
present guidelines. Maybe it isn’t reasonable to count on that PLD will absolutely
obtain its goal of harmonization, and PLD is enjoying ‘catch up’ with
nationwide programs – the most recent reform is an instance. However the system ought to
stay steady, and such nationwide experimentation can threaten this stability.

The arguments raised on this
remark are significantly notable after the brand new EU Directive on Consultant
Actions got here into drive. Product legal responsibility instances can now be introduced utilizing a
pan-EU consultant process. With some main personal worldwide regulation
points nonetheless unresolved, there might be scope for discussion board buying. If we enable
nationwide peculiarities to stay a part of the product legal responsibility system to the
extent steered by the AG in LF v. Sanofi Pasteur, we enhance the chance
of discussion board buying.

 

1 Case C-338/24, LF v. Sanofi Pasteur SA, Request for a
preliminary ruling from the Cour d’appel de Rouen (France) lodged on 7 Mary
2024,

2 Opinion
of AG Medina delivered on 19 June 2025.

3 Council Directive 85/374/EEC on the approximation
of the legal guidelines, laws and administrative provisions of the Member States
regarding legal responsibility for faulty merchandise,
OJ L 210, 7.8.1985, pp. 29-33,
lately changed by Directive (EU) 2024/2854 of the European Parliament and of
the Council of 23 October 2024 on legal responsibility for faulty merchandise and
repealing Council Directive 85/374/EEC,
OJ L 2024/2853, 18.11.2024; within the
textual content of this remark: ‘PLD’ or ‘the Directive’ and ‘new PLD’ or ‘new
Directive’.

4 No exact definition of such a progressive illness
is offered, apart from it being a situation that develops over a protracted interval
(para. 53 of the AG Opinion, see observe 2).

5 LF acquired the Revaxis vaccine manufactured by
Sanofi Pasteur in 2003. One clarification superior within the case signifies {that a}
residual quantity of aluminum hydroxide (detected in LF’s physique), utilized in sure
vaccines, might have brought about her situation.

6 The Board for Conciliation and Compensation for
Medical Accidents is a French no-fault compensation scheme: Fee
de Conciliation et d’Indemnisation des Accidents Medicaux (CCI). Her declare
was rejected by CCI following an evaluation by the professional appointed within the case
who didn’t discover a causal hyperlink.

7 LF’s situation was deemed stabilized
8 years after her prognosis. In 2020 LF introduced a lawsuit in opposition to Sanofi
Pasteur, primarily based on tort legal responsibility (fault legal responsibility – Article 1240 Code Civil),
and strict product legal responsibility (Article 1245 Code Civil). The lawsuit was
dismissed by the Court docket of Alençon after which by the Court docket of Enchantment of Caen
as a result of LF’s claims have been time-barred. Underneath the Code Civil, within the provisions
implementing the PLD (Articles 1245-15 and 1245-16, implementing Articles 10
and 11 PLD) a claimant in a product legal responsibility case should deliver a declare inside
three years from the date on which she was conscious or must have been conscious of
the defect, the harm and the identification of the defendant. Additional, in actions
primarily based on strict product legal responsibility there’s a strict ten-year time restrict
(beginning on the date when the product was positioned in the marketplace). The Cour de
Cassation overturned the Court docket of Enchantment’s resolution and referred the case to
the Court docket of Enchantment of Rouen.  

8 As per Articles 10 and 11 of the
present PLD, see under for evaluation.

9 As per some earlier judgments: Cass
1ère civ. 1 June 1999, B. 178; Cass. 2ème civ., 4 Might 2000, no. 97-21.731; Cass
2ème civ. 11 July 2002, no. 01-02.182). The Cour de Cassation’s held that, in
the occasion of an motion for damages searching for compensation for bodily damage, the
limitation interval might solely begin operating on the date when the harm has
‘stabilized’. Solely then, based on the Court docket, the claimant would be capable to
assess the whole scope of her harm or damage.

10 Article 47 of the Constitution offers
for the best to an efficient treatment: ‘Everybody whose rights and freedoms
assured by the Legislation of the Union are violated has the best to an efficient
treatment earlier than a tribunal …’.

11 See n.
3.

12 C-338/24, AG Opinion, para.
43.

13 C-338/24, AG Opinion, para.
105.

14 C-338/24, AG Opinion, para.
124.

15 As an example, in Case
C-52/00 Fee v. France, Judgment of 25 April 2002.

16 J.S. Borghetti, The
growth of product legal responsibility in France,
in S. Whittaker (ed.) The
growth of product legal responsibility,
Quantity 1, Cambridge College Press,
2010, pp. 87-113., at p. 98.

17 Ibid. J.S. Borghetti, The
growth of product legal responsibility in France.

18 This method was accepted
by the ECJ as in keeping with the PLD in C-621/15 NW, LW, CW v. Sanofi Pasteur
MSD SNC,
judgment of 21 June 2017. Presumptions of defect and causation
have been additionally launched within the new PLD: see Article 10.

19 H. Taschner, ‘Product
legal responsibility: Primary issues in a comparative regulation perspective’, in Fairgrieve, D.
(ed.), Product Legal responsibility in Comparative Perspective, Cambridge
College Press, Cambridge, 2005, pp. 155 to 166, at p. 161.

20 Case C-183/00 Gonzalez
Sanchez v. Medicina Asturiana SA,
Judgment of 25 April 2002, para. 31.

21 Case C-52/00 Fee
v. France,
Judgment of 25 April 2002.

22 AG Opinion, para. 36. See
observe 2.

23 As
outlined in Article 6 of the previous PLD.

24 C-338/24, AG Opinion, (para.
48).

25 Articles 10 and 11 previous PLD,
Articles 16 and 17 new PLD.

26 ECtHR in Sanofi
Pasteur v France,
2020. In Howard Moor, the courtroom held that,
‘the place it’s scientifically confirmed that an individual is unable to know that they
are affected by a sure sickness, such circumstances must be taken into
account when calculating the limitation interval or statute of limitations.’
Elimination of a long-stop just isn’t merely a European thought: as an example some
U.S. states’ supreme courts struck down as unconstitutional the intervals of
repose in all product legal responsibility instances or solely in instances of private accidents.
See: “50-State Survey of Statutes of Limitations and Repose in Prescription
Product Legal responsibility Instances”, JD
Supra, 2020.

27 LF – the claimant within the
French case – has certainly, based on her docs, stabilized.

28 This case concerned the
basic tort legal responsibility system.

29 As an example – it could be
tougher to evaluate legal responsibility dangers for the aim of acquiring
insurance coverage.

30 Case C-665/23 IL v.
Veracash SAS,
Judgment of 1 August 2025.

 

 

 

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