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Question 5336

In the event of an accident involving your vehicle, does the required insurance cover personal and property damage caused to others?

  1. No if the vehicle has been stolen.
  2. Yes, always, as provided in the insurance policy.
  3. Yes, in all cases, provided the costs do not exceed the limits established in the policy.
Show answer and explanation

Correct answer: No if the vehicle has been stolen.

Mandatory insurance covers personal injury and property damage that the insured vehicle causes to others, subject to limits and some exceptions. Theft is one of those exceptions. If the vehicle that caused the accident had been stolen, its insurance does not pay, and the victims receive compensation from the Insurance Compensation Consortium.

Real Decreto Legislativo 8/2004, de 29 de octubre, Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor · Real Decreto Legislativo 8/2004, de 29 de octubre, Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor · Real Decreto Legislativo 8/2004, de 29 de octubre, Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor · Real Decreto Legislativo 8/2004, de 29 de octubre, Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor · Seguro del automóvil. Manual X (DGT, 2026) · Seguro del automóvil. Manual X (DGT, 2026)