Civil liability

Liability insurance coverage

The civil liability of individuals and legal entities covers property and non-property damages caused by them to third parties, related to the ownership and/or use of motor vehicles, for which the insured are liable according to Bulgarian legislation or the legislation of the country where the damage occurred.

Limit of liability

1. for non-property damages as a result of bodily injury or death - BGN 10,420,000 for each event, regardless of the number of injured persons;

2. for damage to property (things) –BGN 2,100,000 for each event, regardless of the number of injured persons.

Territorial validity of the GO

Liability insurance cover is valid for:

1. Republic of Bulgaria according to Bulgarian law.
2. Member State according to its law.
3. A third country, when the damage was caused to persons from a Member State when traveling between the territories of two Member States and provided that there is no national insurance office responsible for that territory;in this case, the liability is covered according to the law of the Member State in whose territory the motor vehicle of the at-fault driver is usually located, in respect of which the insurance was taken out.
4. A third country whose national bureau of insurers is a party to the multilateral agreement, according to its law.
5. A third country whose national bureau of insurers is a member of the Green Card system“

Method of payment of civil liability insurance

You can pay for the motorist's motorist insurance in one lump sum when you take it out or in 2 or 4 installments.The insurance policy can be paid here by bank card.Payments on our online platform are protected with a high-class SSL security certificate.

In the event that the payment of a subsequent installment is delayed by more than 15 days from the due date, the policy will be terminated and the vehicle will not have coverage.

Necessary documents for the conclusion of general liability insurance

1. Vehicle ownership documents (vehicle license plate, invoice, sales contract, etc.)
2. Personal document of the Insurer.

Information in the event of a traffic accident

It is mandatory to notify the control authorities at 112 and fill out the relevant traffic accident protocols:

1. Police report issued by the traffic police (if the damage is serious and one of the cars is not in motion, there is a dispute about the blame)
2. Statutory protocol for a traffic accident with injured persons, issued by the Traffic Police (if there are injured persons)
3. Bilateral investigative protocol for traffic accidents –and the same is filled out by the participants in the accident (here there should be an agreement about the fault of one driver and the cars should be in motion)

The following is a procedure for filing and processing the claim in an office –see section „Damage“of Frequently Asked Questions.

Civil liability of motorists –General information

Motorist liability is a type of insurance that provides coverage in the event of damage caused to third parties by the insured, including personal injury, property damage or financial loss.This insurance is particularly important for car owners in Bulgaria because they are obliged to have it according to the legislation.The online liability calculator is a tool that allows users (individuals or legal entities) to calculate the sample premium for this insurance using an online platform.

The online calculator allows users to enter the necessary information, such as personal data, vehicle type, driving history, as well as other factors that can affect the cost of insurance, to get a preliminary estimate of the insurance premium.This allows users to compare different offers from different insurance companies and choose the best one that suits their needs and budget.

Services: upon receipt of GO insurance, a Green Card certificate for trips abroad is also issued to it,

GO: online service with direct card payment coming soon!

The online calculator saves customers time and effort by allowing them to obtain information without visiting physical offices or contacting insurance company agents directly.This makes it easier to make an informed decision about the appropriate civil liability for them.

What does compulsory liability insurance cover?

The insuranceCivil liabilitycovers the liability of the insured individuals and legal entities for the damage caused by them to third parties, including pedestrians, cyclists and other road users, as a result of owning and/or using a motor vehicle while driving or staying.
The sum insured (liability limit) is according to the effective provisions of the Insurance Code on the date of
occurrence of an insured event.

What GO insurance does not cover

• Damages suffered by the at-fault driver;
• Damage to the property of a member of the insured's family;
• Damage to the motor vehicle driven by the at-fault driver;
• Harm from the use of
• Motor vehicles in competitions, unless otherwise agreed in the insurance contract;
• Damages during an act of terrorism or war;
• Damage from the transportation of materials representing increased danger;
• Environmental damage;
• Damages resulting from the loss or destruction of money, jewelry and any kind of documents;
• Interest and legal costs;
• Depreciation of damaged property;
• Fines and other property sanctions for the guilty driver;
• Reimbursement of payments made by the state social assistance or health insurance system upon or in connection with death or physical disability

Coverage Limitations

• The insurance does not cover the liability of the insured as a carrier of goods.

Is this insurance mandatory?	Motorist liability insurance is mandatory in Bulgaria.Its conditions are defined in the Insurance Code and are the same in all insurance companies.The insurance broker under the policy is Corporex Bulgaria EOOD.
GO coverage	Non-property and property damage to third parties as a result of bodily injury/death Damage to other people's property.Lost benefits that are a direct consequence of the accident.
Road accident procedure (in case of damage)	In the event of a traffic accident, the control authorities must be notified at 112 and the following must be filled in: Police report issued by the Traffic Police (in case of serious accident, no proven fault). Constitutive protocol for traffic accidents with injured people, issued by the Traffic Police. Bilateral investigative protocol for traffic accidents (in case of minor accidents and agreement on fault).
Deadline for filing a claim under Civil Liability in the event of a road accident	The term specified in the Insurance Code is 7 working days from the knowledge of the motor vehicle accident.

Reasons for refusing to take out „Civil Liability“

„The civil responsibility“(GO) is compulsory insurance for all cars moving on the roads.It is intended to cover damages caused to third parties in the event of a traffic accident.

There are a variety of reasons why OH insurance can be denied.The most common are:

1. The insurer has a profile of „risk client“or is „blacklisted“of GO

Insurance companies keep statistics on their customers and their road histories.If the insured has a lot of accidents, has caused a lot of damage, or has driven without a license, it is very likely that they will be designated as a „risky customer“.Insurance companies keep „blacklists“for similar drivers.Checking if the driver is included in the „blacklist“of GO, is done by checking at:

• The insurance company with which you want to take out insurance.
• The insurance broker.
• Financial Supervision Commission.

To get off the „blacklist“, the driver will have to:

• Improve your driving behavior.
• He paid all the benefits he owed.
• Submitted an application to the insurance company for delisting.

It is important to know that it is not necessary for the driver to be on the black list in order to refuse GO insurance.Insurance companies can deny insurance for a variety of reasons, even with a good driving record.

2. There is a valid GO policy with another company

It is not possible to have two valid GO policies for the same vehicle.

3. The car is mainly driven by foreigners

Some insurance companies do not insure cars that are mainly driven by foreigners.

4. The necessary documents have not been provided

In order to conclude GO insurance, it is necessary to provide the following documents to the insurer:

• A large vehicle coupon, or
• Small coupon

5. The insurer has other obligations to the insurance company

If the policyholder has unpaid premiums for other insurances with the same company, it is possible to refuse the conclusion of an insurance policy.

6. Provision of false documents

If false or expired documents are presented when taking out the insurance, this is grounds for refusal.

7. Other reasons

Insurance companies have the right to refuse GO insurance at their discretion without having to give an explanation.

What can be done if the conclusion of GO insurance is refused?

If you refuse to take out general liability insurance, you can:

• Tried to take out insurance with another company
• Find an insurance broker
• Challenge the refusal in the Financial Supervision Commission

In the event of a refusal to take out liability insurance, it is recommended that the driver does not refuse.However, the reasons for insurance denial can vary from company to company and are often related to specific policies and procedures.It is therefore advisable to consult with an insurance company or the denying intermediary to understand the specific circumstances and obtain an adequate information.

Formedical insurance Help for traveling abroad can be seen here!