The **mandatory civil liability insurance** covers the damages that your vehicle may cause to other people, objects, or vehicles in the event of an accident. This means that if you are responsible for an accident, the insurance will take care of paying the damages to the other party, always up to the **maximum limits established in the policy**.

- **Insurance coverage:** The insurance covers damages to objects, such as a streetlight, and to people, such as a pedestrian hit by a vehicle, as long as these damages are a direct consequence of driving.

- **Insurance exclusions:** It does not cover damages to the driver of the insured vehicle, nor to the objects inside their car, nor to their relatives. It also does not cover damages if the vehicle has been stolen.

- **Obligation to have insurance:** All owners of motor vehicles must take out this insurance to protect third parties in the event of an accident.

Therefore, the insurance will always cover the damages to the other party up to the limits of the policy, regardless of who is driving the vehicle, as long as it is not a stolen vehicle.