Insurance against civil liability of motor vehicle holders is compulsory and applies when the holder or driver of a vehicle causes loss or injury to others in using
that vehicle and is civilly liable therefor according to the provisions of the law in force.
Compensation which the holder or driver of the vehicle is obliged to pay to the injured party shall be paid by the insurance undertaking with which the
perpetrator has concluded an appropriate contract of insurance.
Thus the said insurance protects the property of the person liable for the accident and guarantees to the injured party that his claim will be settled.
In Poland, as in most European countries, the said insurance is compulsory.
In accordance with the provisions of the Act on Compulsory Insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau,
each holder of a motor vehicle registered in Poland is obliged to conclude a contract of compulsory insurance against civil liability of motor vehicle holders
for loss or injury arising in connection with the use of the vehicle held.
Insurance against civil liability of motor vehicle holders covers occurrences in the territory of Poland. A contract of insurance against civil liability of motor
vehicle holders is concluded for a period of 12 months.
Insurance against civil liability of motor vehicle holders also cover occurrences in the territory of those states whose National Bureaux are signatories of the
Multilateral Agreement
(i.e. the EEA countries,
Andorra, Croatia and Switzerland).
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