The insurance on Civil Liability
 

Covers you from physical
and material damage caused with your vehicle.

It is a compulsory insurance covering you against "civil claims", in legal terms.

In other words: the insurer will pay the expenses caused to other people in a car accident for which you are responsible. A CL on vehicle can cover physical damage (death or injuries) or property damage (deterioration or destruction of property).

 

However, it will not refund the damage done to your car, even if it was driven by someone else. It will not cover your injuries if you were driving and if you are guilty.

Please note:

The law says that your CL must cover your injuries if you were passenger of your car and if the driver is guilty. If he is not, the CL of the responsible vehicle will pay.

It is the same for your passengers, including your relatives: they are covered by your CL if you (or the driver you lent your car to) are guilty or by the CL of the responsible vehicle if you are not.

There is more:

It is the only compulsory insurance when you buy a vehicle.

 

It protects you against claims for traffic related accidents caused by you, the person driving your vehicle at the time of the accident or by your vehicle itself (causal civil liability).

 

The insurer will compensate the victims for property damage as for physical injuries. In case of serious fault of the driver of your vehicle, your insurer may charge you and ask you to pay a part of the compensations for the victims. This insurance also takes in charge your legal defence against unjustified claims. You will not be able to drive your car if an insurer did not deliver a certificate to the authorities, certifying that you are ensured according to legal regulations. If your insurer must pay for an accident caused by your fault, you are penalized by the deductions planned in your contract and get a penalty (increase of your CL premium and of its premium level before the accident).