4 ms·

Every car should have a proper insurance, right? At least here it's the law.

dagw 12y ago
Every car has to have third party insurance. Basically covering any damage you do to someone not in your car. Insurance covering damages to passengers in your car is a different insurance, and insurance covering passengers in your car because they are paying you to drive then somewhere is different a insurance again.
- ptaipale 12y ago
  Over here (Finland), the mandatory insurance covers passengers (and driver) also in your car, not just third parties. Different countries obviously have different practices. I can see that this is a problem in countries where the vehicle's insurance does not cover its own passengers. (In fact, the mandatory car insurance here even covers personal damages of third parties at fault if they are pedestrians or are riding a bicycle; i.e. if a bicyclist runs a red light and collides with a car and hurts himself, the care cost is carried by the car's insurance. If the bicyclist hits a tree, the tree has no insurance... this applies to personal injuries only, not the broken bike. Any damage to the car is covered by the bicyclist's insurance if any.)
  - Vik1ng 12y ago
    You sure there is no difference between passenger and paying passenger?
    - ptaipale 12y ago
      Not for getting insurance compensation as passenger. For premiums paid by the driver there well could be a difference.
aikah 12y ago
I bet your insurance won't cover you if you drive around people for profit. Look it up.
- ptaipale 12y ago
  I bet here it covers damages for the people I was driving, and then the insurance company comes after me for the money if I was in breach of conditions. So it is in the interests of the driver to make sure his coverage is OK. That's just here, of course, different countries have different rules. I don't know those in Germany so well.
  - pgeorgi 12y ago
    And when the drivers weren't able to pay up a couple of times towards their insurance, premium will increase for everybody to make up for the loss. Externalizing costs and all that...

dagw 12y ago

Every car has to have third party insurance. Basically covering any damage you do to someone not in your car. Insurance covering damages to passengers in your car is a different insurance, and insurance covering passengers in your car because they are paying you to drive then somewhere is different a insurance again.

ptaipale 12y ago
Over here (Finland), the mandatory insurance covers passengers (and driver) also in your car, not just third parties. Different countries obviously have different practices. I can see that this is a problem in countries where the vehicle's insurance does not cover its own passengers. (In fact, the mandatory car insurance here even covers personal damages of third parties at fault if they are pedestrians or are riding a bicycle; i.e. if a bicyclist runs a red light and collides with a car and hurts himself, the care cost is carried by the car's insurance. If the bicyclist hits a tree, the tree has no insurance... this applies to personal injuries only, not the broken bike. Any damage to the car is covered by the bicyclist's insurance if any.)
- Vik1ng 12y ago
  You sure there is no difference between passenger and paying passenger?
  - ptaipale 12y ago
    Not for getting insurance compensation as passenger. For premiums paid by the driver there well could be a difference.

aikah 12y ago

I bet your insurance won't cover you if you drive around people for profit. Look it up.

ptaipale 12y ago
I bet here it covers damages for the people I was driving, and then the insurance company comes after me for the money if I was in breach of conditions. So it is in the interests of the driver to make sure his coverage is OK. That's just here, of course, different countries have different rules. I don't know those in Germany so well.
- pgeorgi 12y ago
  And when the drivers weren't able to pay up a couple of times towards their insurance, premium will increase for everybody to make up for the loss. Externalizing costs and all that...