Correct answer
No, that compulsory cover excludes their bodily injury.
No. Article 5.1 of the motor civil-liability and insurance law excludes bodily injury or death of the driver of the vehicle that caused the accident. This concerns that compulsory cover; optional driver accident insurance may provide other cover under its policy. It does not mean all other occupants are excluded. Property damage has separate exclusions under article 5.2.
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Yes, merely having no optional cover is enough.
No, that compulsory cover excludes their bodily injury.
Yes, it always covers injury to the driver who caused the accident.
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