SIGURIA IC

TPL Insurance

Third party liability (TPL) motor vehicle insurance is a compulsory insurance and is offered to an owner of a motor vehicle, who moves within the territory of the Republic of Kosovo. The insurer assumes the civil liability of the insured towards third parties when they involved in an accident and are liable for material, property and/or health damages, based on the Law on Compulsory Motor Vehicle Liability Insurance.

What does this insurance include?

Material damages

This includes all injuries caused to different persons, including passengers, with the exception of damages suffered by the driver of the vehicle responsible for the incident.

They are divided into three types:

base

Health damage

base

Temporary disability

base

Permanent disability

Frequently Asked Questions

TPL insurance provides coverage for damages caused to third parties, including the costs of repairing the damage and compensation for physical injuries. This insurance covers the civil liability of the driver of the vehicle in the event of an accident, protecting him from the obligation to compensate for damages caused to third parties, whether in terms of material, property or health.

Yes, TPL insurance covers costs for damages caused to passengers and pedestrians, providing compensation for all parties involved.

• Material damages: This insurance covers damages that may be caused to other vehicles, buildings, or immovable property in an accident, excluding the damage sustained by the vehicle responsible for the incident. • Health-related damages: The insurance covers medical expenses for other individuals involved in the accident, including passengers, pedestrians, and any third parties, except for the driver who is responsible for the accident. • Temporary and permanent disability: If third parties suffer temporary or permanent disability, this insurance provides compensation to help mitigate the consequences of the accident on their lives.

The process begins with the submission of an accident report, relevant documentation, and review by the company to ensure full and fair compensation.

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