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BDifficulty 1/5

Does a vehicle’s compulsory third-party liability insurance cover material damage to that same vehicle?

Correct answer

No

No. Article 5 of the motor-vehicle civil liability and insurance law excludes damage to the insured vehicle itself from compulsory cover. Optional own-damage cover may pay under the policy, and there may be a claim against another liable party who caused the damage. Nor does it cover injuries to the driver responsible; however, passengers’ injuries are not generally excluded simply because they are relatives. Certain exclusions for relatives’ property damage must not be confused with personal injuries. The question does not establish that the driver caused the damage.

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All options

  • No

  • Only when it is a car or motorcycle

  • Yes, it covers them in all cases

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