Does the civil liability insurance cover the injuries of the driver who did not cause the accident?
Vehicle Documentation
Explanation
The **mandatory civil liability insurance** is a type of insurance that all motor vehicles must have. Its main purpose is to **protect other people, objects, or vehicles** in case an accident occurs.
- This insurance **covers personal and material damages** that the insured vehicle may cause to third parties. For example, if the vehicle crashes into a lamppost, the insurance will cover the repair costs of the lamppost. It also covers damages to people, such as in the case of hitting a pedestrian.
- However, there are certain exceptions. The insurance does not cover damages if the affected person behaves improperly, such as intentionally throwing themselves against the vehicle. It also does not cover damages caused by events unrelated to driving, such as natural disasters.
- It is important to note that the insurance **does not cover the injuries of the driver** of the insured vehicle if they did not cause the accident. This means that, although the insurance protects third parties, the driver must have additional insurance to cover their own injuries.
In summary, civil liability insurance covers both **personal and material damages** caused to third parties, but not the injuries of the insured driver.
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