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FAQS
A: According to the law, you are indeed obliged to contract insurance to cover your "civil liability" towards third parties in case of an accident caused by your car.
However, you should be aware that there are also other insurances (optional insurances), besides the mandatory civil liability insurance required by law for car accidents, which aim to provide as comprehensive coverage as possible for both you and your vehicle.
The basic laws governing the insurance contract of the Automobile Branch are Law 489/76, as codified by Presidential Decree 237/86 and still in force today, which provides for the basic provisions "on the compulsory insurance of motor vehicle liability arising from accidents," and Law 2496/1997, which generally regulates the insurance contract.
A: Civil Liability is the obligation of every individual to compensate for the damage caused to third parties, unlawfully and negligently.
A: With the insurance of civil liability from car accidents, your insurance company undertakes to compensate for the damage that may be caused to "third parties" by the individuals whose liability is covered by your insurance policy (such as the owner or driver of the car, etc.), in the event of a car accident for which they are at fault. Specifically, this insurance covers liability for death or bodily injury or damage to property of "third parties," which includes compensation for mental anguish or moral damage.
The insurance also covers liability for death or bodily injury of the insured's family members or the driver's family members, regardless of their relationship.
It is worth clarifying that "third-party" individuals also include passengers in the vehicle that caused the accident, who are compensated according to the above, but not the insured themselves as passengers in their own vehicle, nor, of course, the driver of that vehicle.
Εξαιρούνται από την κάλυψη αυτή και δεν αποζημιώνονται οι ζημίες στα πράγματα που μεταφέρονται με το ίδιο το ασφαλισμένο αυτοκίνητο. Επίσης εξαιρούνται από την κάλυψη οι υλικές ζημίες που μπορεί να προξενήσει το ένα όχημα του ασφαλισμένου στο άλλο, ιδιοκτησίας του, ή σε όχημα μέλους της οικογενείας του.
- the driver of the vehicle that caused the damage,
- any individual whose liability is covered by the insurance contract (e.g., the owner of the vehicle),
- the individual who arranged the insurance contract with the insurer (i.e., the policyholder/contracting party),
- the legal representatives of a legal entity insured under this coverage or a company that has not acquired legal personality,
- individuals who agreed to be transported by the insured vehicle, provided the insurer proves that they knew the vehicle was taken from its legal owner by unfair means or is used for the commission of a crime.
Q: What is "no-fault auto insurance"? What is a deductible and when does it make sense to choose it?
With mixed insurance (or own damage insurance), your insurance company undertakes to restore the material damages of your own vehicle from collision, impact, overturning, or falling, even if you are responsible for the traffic accident.
"Exemption" is the monetary amount that the insurance company is not obliged to pay as compensation and burdens the insured in each case of damage.
Τherefore, if the insurance was agreed with an "exemption" for a certain amount per accident, the insurance company is only liable for any damage exceeding the exemption amount.
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