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Question 3612

In the event of an accident, does compulsory vehicle insurance cover damage caused to the other party?

  1. Yes, always, because this is provided for in the compulsory insurance policy.
  2. Yes, in all cases, if the costs do not exceed the limits established in the policy.
  3. Yes, when the vehicle's driver is found civilly liable for the accident.
Show answer and explanation

Correct answer: Yes, when the vehicle's driver is found civilly liable for the accident.

Mandatory insurance covers damage to third parties when the insured driver is civilly liable for the crash. Coverage does not automatically apply to every crash.

Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor