Question image

Question 7538

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

  1. Yes, and it also covers the damage caused to the insured vehicle even if it is responsible for the accident.
  2. Yes, except if the vehicle responsible for the accident had been stolen.
  3. No; it only covers the damage caused to the insured vehicle.
Show answer and explanation

Correct answer: Yes, except if the vehicle responsible for the accident had been stolen.

Yes, the at-fault party's mandatory insurance covers the other party's personal injury and property damage. Theft is one exception. If the vehicle that caused the accident had been stolen, its insurance does not pay, and the Insurance Compensation Consortium compensates the victims. Damage to the insured vehicle itself is not covered by mandatory insurance.

Real Decreto Legislativo 8/2004, de 29 de octubre, por el que se aprueba el texto refundido de la Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor · Real Decreto Legislativo 8/2004, de 29 de octubre, por el que se aprueba el texto refundido de la Ley sobre responsabilidad civil y seguro en la circulación de vehículos a motor