Indemnity under liability motor insurance is payable when the motor vehicle owner or driver is obliged to indemnify a third party for a loss caused in relation to the vehicle movement, resulting in death, bodily harm, health impairment (i.e. damage to person) or for property being lost, destroyed or damaged (damage to property).
Liability motor insurance covers liability of any person who, while driving a motor vehicle throughout the term of the insurance liability, caused a damage in connection with the vehicle movement.
Please remember that damage sustained in connection with the motor vehicle movement also includes damage sustained when and in connection with:
In accordance with the act, the insurer is not liable for damages:
In addition, the insurance company has the right to seek against the motor vehicle driver a reimbursement of the indemnity disbursed under liability insurance for motor vehicle owners, if the driver:
caused the damage deliberately, while driving after drinking alcohol or in a state of intoxication or after using drugs, psychotropic substances or substitute substances as defined in the regulations on drug addiction prevention;
has taken possession of the vehicle as a result of a crime;
did not have the required license to drive a motor vehicle, except in cases where the purpose was to save human life or property or to chase a criminal immediately after the crime was committed;
left the scene of the accident.
The guarantee amount is the sum insured, which is the upper limit of the insurer’s liability. For damages caused in countries other than Poland, the insurer is liable up to the guarantee amount applicable in a given country, however, not lower than the guarantee amounts described below.
Since 11 June 2012, the guarantee amounts have been as follows:
It is possible to increase the sum insured to exceed the guarantee amount, at the vehicle owner’s request and at an extra premium.
Legal protection for the vehicle and legal protection for the driver guarantee protection in various situations related to owning and using the vehicle. They are useful for example when seeking indemnity for the cost of repairing the vehicle or a lost opportunity or when a legal procedure has been instituted against the insured due to suspicion of a criminal offence or crime, e.g. causing a car accident.
In the event of a total loss, there are obligations to settle upon terminating the business lease contract. The indemnity disbursed as part of GAP insurance may cover a greater part or may be earmarked for a new business lease contract.
CPI is a lease insurance that guarantees continued payment of financial liabilities in the event of unforeseen health and life events that would prevent you from settling your lease liabilities.