Is it possible not to have third-party insurance?
The Act on Compulsory Insurance informs about the necessity to purchase a third-party liability insurance policy by every owner of a motor vehicle, and failure to do so will be associated with high penalties. In the event of an inspection, however, the regulations do not impose an obligation to carry insurance documents with you, because a police officer can verify whether the driver has third-party liability insurance by contacting the Insurance Guarantee Fund.
Why is it worth opting for comprehensive insurance?
Having AutoCasco insurance is a financial security in the event of a collision, theft or damage to the vehicle, which is not so difficult to obtain. We are talking about the forces of nature, bumps, scratches or acts of vandalism to which vehicles are exposed every day. In contrast to third-party insurance, which mainly protects other people in the event of damage caused by the vehicle user, comprehensive insurance protects the insured's own vehicle, which is why the funds go to them and not to third parties.
What are the consequences of not having a valid Green Card?
As the Green Card confirms the validity of the third-party liability insurance policy in some countries, its absence may entail additional costs – the need to purchase border insurance (for example, in 30 days in Moldova it will cost 7 euros, and in Morocco as much as 88 euros). Taking into account that the Green Card is an add-on, the cost of which is already included in the third-party liability insurance premium, requiring only an application, it is worth remembering about it before traveling to countries belonging to the Green Card system.
When does motor accident insurance work?
This insurance covers not only the consequences of an accident that occurred while driving the insured vehicle, but also when it occurred during the repair of the vehicle on the road, when getting out or getting into the vehicle, as well as while staying in it on the occasion of stopping or stopping.
I am driving a car with a driver's license issued in the USA. Does Third Party Liability and Casco insurance work in the event of an accident?
In Poland you can use an American International Driver's License for 183 days. Since the U.S. driver's license does not comply with the 1968 Vienna Convention, after this period, you must obtain the equivalent of the Polish driver's license by passing the theoretical exam. Lack of a Polish driving license after 6 months of staying in Poland means the lack of a valid document confirming the right to drive a vehicle. In the case of Casco, this circumstance excludes the insurer's liability, and in the case of Third Party Liability insurance, this circumstance determines the insurer's right to claim the compensation paid against the perpetrator of the event (Article 43(3) of the Act on Compulsory Insurance).
What are the new guarantee amounts in mandatory motor vehicle insurance (MTPL) for owners of mechanized vehicles?
The new minimum guarantee amounts are:
— 29 876 400 złotych in case of bodily injury,
— 6 021 600 złotych in case of property damage.
Each guarantee amount applies to one event regardless of the number of injured persons.
When do the new guarantee amounts apply?
The new regulation regarding guarantee amounts applies retroactively to insurance contracts.
— For contracts concluded before December 23, 2023, and valid until November 06, 2024, the old guarantee amounts will apply if the event occurred before November 06, 2024, and the new guarantee amounts will apply if the event occurred from November 06, 2024.
— For contracts concluded from December 23, 2023, the new guarantee amounts will apply.
