Does compulsory insurance cover personal injury to the driver of the insured vehicle?
A)Yes, in all cases.
B)Yes, except when the driver is the policyholder.
C)No.Correct
Compulsory insurance covers, up to a limited amount, the civil liability of the driver of the vehicle when damage — both bodily and material — is caused by traffic events.
The insurance will cover personal injury (except for damage due to the negligence of the injured party or force majeure unrelated to driving) as well as the material property of the party not at fault in the accident.
Compulsory insurance does not cover:
- Damage caused to the person of the driver of the insured vehicle.
- Damage suffered by the insured vehicle or by goods transported in it.
- Damage to property owned by the policyholder, the insured, the owner or driver, as well as that of their spouse or relatives up to the third degree of consanguinity or affinity of the foregoing.
- Both personal and material damage caused to others if the insured vehicle had been stolen or driven under the influence of alcohol or other drugs.
To expedite the settlement of damages caused in the accident, insurers usually provide an amicable settlement form. This is a document in which both parties indicate the facts, the damage suffered by their respective vehicles and their personal details.
The insurance will cover personal injury (except for damage due to the negligence of the injured party or force majeure unrelated to driving) as well as the material property of the party not at fault in the accident.
Compulsory insurance does not cover:
- Damage caused to the person of the driver of the insured vehicle.
- Damage suffered by the insured vehicle or by goods transported in it.
- Damage to property owned by the policyholder, the insured, the owner or driver, as well as that of their spouse or relatives up to the third degree of consanguinity or affinity of the foregoing.
- Both personal and material damage caused to others if the insured vehicle had been stolen or driven under the influence of alcohol or other drugs.
To expedite the settlement of damages caused in the accident, insurers usually provide an amicable settlement form. This is a document in which both parties indicate the facts, the damage suffered by their respective vehicles and their personal details.