{"id":"https://openalex.org/W7225833847","doi":"https://doi.org/10.58885/ijssh.v11i1.195sa","title":"Legal Standards for Insurance Claims Handling and the Protection of Insured Persons and Injured Parties: A Comparative Analysis of North Macedonia and Croatia","display_name":"Legal Standards for Insurance Claims Handling and the Protection of Insured Persons and Injured Parties: A Comparative Analysis of North Macedonia and Croatia","publication_year":2026,"publication_date":"2026-11-11","ids":{"openalex":"https://openalex.org/W7225833847","doi":"https://doi.org/10.58885/ijssh.v11i1.195sa"},"language":"en","primary_location":{"id":"doi:10.58885/ijssh.v11i1.195sa","doi":"https://doi.org/10.58885/ijssh.v11i1.195sa","is_oa":true,"landing_page_url":"https://doi.org/10.58885/ijssh.v11i1.195sa","pdf_url":null,"source":{"id":"https://openalex.org/S4404676560","display_name":"International Journal of Social Sciences & Humanities","issn_l":"2545-420X","issn":["2545-420X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310318506","host_organization_name":"APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies","host_organization_lineage":["https://openalex.org/P4310318506"],"host_organization_lineage_names":["APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Sciences &amp; Humanities (IJSSH)","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://doi.org/10.58885/ijssh.v11i1.195sa","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5078690524","display_name":"Sulejman Ahmedi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I124793430","display_name":"State University of Tetova","ror":"https://ror.org/01e4kx996","country_code":"MK","type":"education","lineage":["https://openalex.org/I124793430"]}],"countries":["MK"],"is_corresponding":false,"raw_author_name":"Sulejman Ahmedi","raw_affiliation_strings":["State University of Tetova"],"raw_orcid":"https://orcid.org/0009-0005-9089-1429","affiliations":[{"raw_affiliation_string":"State University of Tetova","institution_ids":["https://openalex.org/I124793430"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5005526018","display_name":"Shpresa Alimi-Memedi","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I124793430","display_name":"State University of Tetova","ror":"https://ror.org/01e4kx996","country_code":"MK","type":"education","lineage":["https://openalex.org/I124793430"]}],"countries":["MK"],"is_corresponding":false,"raw_author_name":"Shpresa Alimi-Memedi","raw_affiliation_strings":["State University of Tetova"],"raw_orcid":"https://orcid.org/0009-0001-2472-3364","affiliations":[{"raw_affiliation_string":"State University of Tetova","institution_ids":["https://openalex.org/I124793430"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5161433686","display_name":"Elvira Limani","orcid":"https://orcid.org/0009-0000-3796-3095","observed_orcids":["https://orcid.org/0009-0000-3796-3095"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Elvira Limani","raw_affiliation_strings":["Insurance Supervision Agency. Skopje, North Macedonia"],"raw_orcid":"https://orcid.org/0009-0000-3796-3095","affiliations":[{"raw_affiliation_string":"Insurance Supervision Agency. Skopje, North Macedonia","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"195","last_page":"195"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.9520999789237976,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.9520999789237976,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12669","display_name":"Comparative International Legal Studies","score":0.019200000911951065,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12374","display_name":"European and International Contract Law","score":0.012900000438094139,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[],"concepts":[{"id":"https://openalex.org/C2780838233","wikidata":"https://www.wikidata.org/wiki/Q836925","display_name":"Complaint","level":2,"score":0.6977999806404114},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6556000113487244},{"id":"https://openalex.org/C2778979077","wikidata":"https://www.wikidata.org/wiki/Q330190","display_name":"Receipt","level":2,"score":0.6549999713897705},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.6079999804496765},{"id":"https://openalex.org/C2777381055","wikidata":"https://www.wikidata.org/wiki/Q308922","display_name":"Damages","level":2,"score":0.5577999949455261},{"id":"https://openalex.org/C97460637","wikidata":"https://www.wikidata.org/wiki/Q468489","display_name":"Plaintiff","level":2,"score":0.5521000027656555},{"id":"https://openalex.org/C2777063073","wikidata":"https://www.wikidata.org/wiki/Q1553237","display_name":"Settlement (finance)","level":3,"score":0.5490000247955322},{"id":"https://openalex.org/C2777834853","wikidata":"https://www.wikidata.org/wiki/Q96776939","display_name":"Liability","level":2,"score":0.5408999919891357},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.515999972820282},{"id":"https://openalex.org/C2779547435","wikidata":"https://www.wikidata.org/wiki/Q1121492","display_name":"Directive","level":2,"score":0.4487000107765198},{"id":"https://openalex.org/C17319257","wikidata":"https://www.wikidata.org/wiki/Q21189184","display_name":"Statute","level":2,"score":0.4309999942779541},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.40779998898506165},{"id":"https://openalex.org/C2780560020","wikidata":"https://www.wikidata.org/wiki/Q79719","display_name":"License","level":2,"score":0.4016999900341034},{"id":"https://openalex.org/C2777642646","wikidata":"https://www.wikidata.org/wiki/Q9296","display_name":"Macedonian","level":2,"score":0.37959998846054077},{"id":"https://openalex.org/C2779785115","wikidata":"https://www.wikidata.org/wiki/Q708399","display_name":"Indemnity","level":2,"score":0.3682999908924103},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.3605000078678131},{"id":"https://openalex.org/C115672447","wikidata":"https://www.wikidata.org/wiki/Q992350","display_name":"Liability insurance","level":3,"score":0.3571000099182129},{"id":"https://openalex.org/C188198153","wikidata":"https://www.wikidata.org/wiki/Q1613840","display_name":"Limiting","level":2,"score":0.35600000619888306},{"id":"https://openalex.org/C170706310","wikidata":"https://www.wikidata.org/wiki/Q30216","display_name":"Common law","level":2,"score":0.35010001063346863},{"id":"https://openalex.org/C2780023022","wikidata":"https://www.wikidata.org/wiki/Q1338171","display_name":"Compensation (psychology)","level":2,"score":0.3305000066757202},{"id":"https://openalex.org/C199286143","wikidata":"https://www.wikidata.org/wiki/Q1404417","display_name":"Legal liability","level":3,"score":0.3278000056743622},{"id":"https://openalex.org/C112910692","wikidata":"https://www.wikidata.org/wiki/Q682557","display_name":"Joint and several liability","level":4,"score":0.321399986743927},{"id":"https://openalex.org/C108170787","wikidata":"https://www.wikidata.org/wiki/Q3951828","display_name":"Agency (philosophy)","level":2,"score":0.31839999556541443},{"id":"https://openalex.org/C2911184145","wikidata":"https://www.wikidata.org/wiki/Q2493211","display_name":"Accident insurance","level":2,"score":0.31209999322891235},{"id":"https://openalex.org/C2779412353","wikidata":"https://www.wikidata.org/wiki/Q1459068","display_name":"Personal injury","level":2,"score":0.3027999997138977},{"id":"https://openalex.org/C46304622","wikidata":"https://www.wikidata.org/wiki/Q374814","display_name":"Certification","level":2,"score":0.30160000920295715},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.29600000381469727},{"id":"https://openalex.org/C60643870","wikidata":"https://www.wikidata.org/wiki/Q1949683","display_name":"Deterrence theory","level":2,"score":0.29580000042915344},{"id":"https://openalex.org/C158154518","wikidata":"https://www.wikidata.org/wiki/Q7310970","display_name":"Relevance (law)","level":2,"score":0.2955000102519989},{"id":"https://openalex.org/C114104786","wikidata":"https://www.wikidata.org/wiki/Q1899048","display_name":"Statute of limitations","level":3,"score":0.2935999929904938},{"id":"https://openalex.org/C144559511","wikidata":"https://www.wikidata.org/wiki/Q2986279","display_name":"Principal (computer security)","level":2,"score":0.29319998621940613},{"id":"https://openalex.org/C2778012447","wikidata":"https://www.wikidata.org/wiki/Q1034415","display_name":"Scope (computer science)","level":2,"score":0.29179999232292175},{"id":"https://openalex.org/C2777703276","wikidata":"https://www.wikidata.org/wiki/Q3077133","display_name":"Teriflunomide","level":4,"score":0.2904999852180481},{"id":"https://openalex.org/C168042013","wikidata":"https://www.wikidata.org/wiki/Q1037642","display_name":"Insurance law","level":4,"score":0.2761000096797943},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.2581000030040741},{"id":"https://openalex.org/C2780183814","wikidata":"https://www.wikidata.org/wiki/Q847212","display_name":"Contributory negligence","level":4,"score":0.2572000026702881}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.58885/ijssh.v11i1.195sa","doi":"https://doi.org/10.58885/ijssh.v11i1.195sa","is_oa":true,"landing_page_url":"https://doi.org/10.58885/ijssh.v11i1.195sa","pdf_url":null,"source":{"id":"https://openalex.org/S4404676560","display_name":"International Journal of Social Sciences & Humanities","issn_l":"2545-420X","issn":["2545-420X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310318506","host_organization_name":"APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies","host_organization_lineage":["https://openalex.org/P4310318506"],"host_organization_lineage_names":["APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Sciences &amp; Humanities (IJSSH)","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.58885/ijssh.v11i1.195sa","doi":"https://doi.org/10.58885/ijssh.v11i1.195sa","is_oa":true,"landing_page_url":"https://doi.org/10.58885/ijssh.v11i1.195sa","pdf_url":null,"source":{"id":"https://openalex.org/S4404676560","display_name":"International Journal of Social Sciences & Humanities","issn_l":"2545-420X","issn":["2545-420X"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4310318506","host_organization_name":"APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies","host_organization_lineage":["https://openalex.org/P4310318506"],"host_organization_lineage_names":["APEAA/Associa\u00e7\u00e3o Portuguesa de Estudos Anglo-Americanos/Portuguese Association for Anglo-American Studies"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Social Sciences &amp; Humanities (IJSSH)","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":4,"referenced_works":["https://openalex.org/W4323042971","https://openalex.org/W4383264550","https://openalex.org/W4408528315","https://openalex.org/W4413237327"],"related_works":[],"abstract_inverted_index":{"This":[0],"article":[1,175],"examines":[2],"the":[3,11,25,35,52,71,114,122,136,156,166,172,190,219,225],"regulatory":[4],"framework":[5,39],"for":[6,77,144,159,183],"insurance":[7,153],"claims":[8],"handling":[9],"and":[10,16,22,40,65,80,125,147,186,210],"protection":[12],"of":[13,27,104,165],"insured":[14],"persons":[15],"injured":[17,167],"parties":[18],"in":[19],"North":[20,37,139,208],"Macedonia":[21,209],"Croatia,":[23],"from":[24],"receipt":[26],"a":[28,96,106,160,197],"claim":[29],"to":[30,54,58,69,89,163,171,207,223],"its":[31,151],"settlement.":[32],"It":[33,82,199],"analyses":[34],"broader":[36],"Macedonian":[38,140],"compares":[41],"it":[42,119,127],"with":[43],"Croatian":[44],"rules":[45,72,187],"on":[46,73,84,188],"motor":[47,107,152],"third-party":[48],"liability":[49,108],"claims,":[50],"limiting":[51],"comparison":[53],"procedural":[55],"elements":[56],"common":[57],"both":[59],"frameworks.":[60],"The":[61,174,216],"study":[62],"uses":[63],"doctrinal":[64],"functional":[66],"comparative":[67],"analysis":[68],"examine":[70],"registration,":[74],"evidence-gathering,":[75],"reasons":[76],"decisions,":[78,149],"payment":[79,157,179],"complaints.":[81],"draws":[83],"published":[85],"supervisory":[86],"complaint":[87,226],"data":[88,227],"identify":[90],"recurring":[91,229],"issues.":[92],"Both":[93],"countries":[94],"require":[95],"reasoned":[97,148,161],"offer":[98,162],"or":[99],"reply":[100],"within":[101],"60":[102],"days":[103],"receiving":[105],"claim.":[109,198],"Croatia":[110],"specifies":[111],"which":[112],"evidence":[113],"insurer":[115],"must":[116,120,128],"obtain,":[117],"how":[118],"explain":[121],"amount":[123,131],"offered":[124],"when":[126,189],"pay":[129],"that":[130],"or,":[132],"as":[133,196],"an":[134,177],"advance,":[135],"undisputed":[137],"part.":[138],"law":[141],"already":[142],"provides":[143],"prompt":[145],"registration":[146],"but":[150,231],"statute":[154],"ties":[155],"period":[158],"delivery":[164],"party\u2019s":[168],"written":[169],"response":[170],"insurer.":[173],"proposes":[176],"outer":[178],"deadline,":[180],"clearer":[181],"requirements":[182],"explaining":[184],"compensation":[185],"European":[191],"Accident":[192],"Statement":[193],"may":[194],"serve":[195],"also":[200],"explains":[201],"why":[202],"these":[203],"solutions":[204],"are":[205],"transferable":[206],"what":[211],"their":[212],"implementation":[213],"would":[214],"require.":[215],"findings":[217],"concern":[218],"legal":[220],"safeguards":[221],"available":[222],"claimants;":[224],"indicate":[228],"issues":[230],"not":[232],"actual":[233],"settlement":[234],"times.":[235]},"counts_by_year":[],"updated_date":"2026-11-12T12:28:57.059296","created_date":"2026-11-12T00:00:00"}
