Object of Insurance – The property interests associated with the possession, use, and disposal of a motor vehicle by the Insured.

Optional Coverage – By agreement of the parties and for an additional amount specified in the insurance contract, the following may be covered:

• Accidents involving drivers and passengers in the motor vehicle;

• Temporary or permanent disability;

• Health care costs;

• Civil liability of the vehicle owner to third parties.

Exclusions – Insurance coverage does not apply to precious objects, precious metals, items made of precious metals, precious and semi-precious stones and products made from them, film and video equipment, religious objects, manuscripts, banknotes, securities, documents, and photographs carried in the vehicle as luggage.

Driver and Passenger Insurance – The life and health of the driver and/or passengers (hereinafter the Insured) are covered against accidents. The Insurer pays the Sum Insured (insurance indemnity) upon the occurrence of the insured event specified in the insurance contract.

Third-Party Liability Insurance – Upon the occurrence of an insured event specified in the insurance contract covering civil liability of the vehicle owner to third parties, the harm (damage) caused to the life, health, and/or property of third parties is insured.

Scope of Coverage – In accordance with the insurance contract, the Insurer reimburses harm (damage) caused by the Insured to the life, health, and property of third parties as a result of an accident (collision, tipping, hitting a stationary vehicle, obstacles, pedestrians, passengers on bicycles or trolleys, passenger falls, and other types of road accidents).