Joined Cases C-359/14 and C-475/14: Judgment of the Court (Fourth Chamber) of 21 January 2016 (request for a preliminary ruling from the Vilniaus miesto apylinkės teismas, Lietuvos Aukščiausiasis Teismas — Lithuania) — ‘ERGO Insurance’ SE, represented by ‘ERGO Insurance’ SE Lietuvos filialas v ‘If P&C Insurance’ AS, represented by ‘IF P&C Insurance’ AS filialas (C-359/14), ‘Gjensidige Baltic’ AAS, represented by ‘Gjensidige Baltic’ AAS Lietuvos filialas v ‘PZU Lietuva’ UAB DK (C-475/14) (Reference for a preliminary ruling — Judicial cooperation in civil matters — Choice of applicable law — Regulation (EC) No 864/2007 and Regulation (EC) No 593/2008 — Directive 2009/103/EC — Accident caused by a tractor unit coupled with a trailer, each of the vehicles being insured by different insurers — Accident which occurred in a Member State other than that in which the insurance contracts were concluded — Action for indemnity between the insurers — Applicable law — Definitions of ‘contractual obligations’ and ‘non-contractual obligations’)