{"content":[{"content":{"params":{"text":"

Lecture topics<\/h2>\n\n
\n\t
Overview of the types of insurance of vehicles<\/li>\n\t
Motor insurance and motor hull insurance<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"c97aa564-fbeb-475d-9505-0a67c4ec78b8"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Types of insurance that drivers can purchase:<\/h2>\n\n
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Life insurance<\/li>\n\t
Motor hull insurance<\/li>\n\t
Motor insurance (required)<\/li>\n\t
Cargo insurance<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"709759e6-c4e7-4665-b20b-98f7d804fe0b"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Liikluskindlustus<\/h2>\n\n
You can find all of the information you need to know about motor insurance from the Motor Insurance Act<\/a>. It can be easily obtained at www.riigiteataja.ee<\/a> .<\/p>\n\n
Principles of motor insurance:<\/strong><\/p>\n\n
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motor insurance is the civil liability insurance<\/p>\n\t<\/li>\n\t
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motor insurance protects the driver that caused the accident, and the damage done by him or her is compensated to the injured party by the insurance company providing motor insurance<\/p>\n\t<\/li>\n\t
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motor insurance protects the party injured in the traffic accident, and the damage incurred by the injured party is compensated by the insurer<\/p>\n\t<\/li>\n\t
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minimum requirements pertaining to motor insurance are established in the Motor Insurance Act<\/p>\n\t<\/li>\n<\/ul>\n\n
The Motor Insurance Act establishes the insurance obligation means the obligation to conclude a compulsory motor insurance contract for the purpose of insuring the liability arising from damage caused to a third party by the use of a vehicle.<\/p>\n\n
A vehicle subject to the insurance obligation, which does not have compulsory motor insurance or automatic motor insurance, must not be engaged in traffic. As a rule, the latter is referred to as compulsory insurance. Automatic motor insurance applies when more than 12 months have passed from the entry into the contract, and a new contract has not been entered into, or the vehicle has not been deleted from the Traffic Register.<\/p>\n\n
In the event of compulsory insurance, the insurance premium is much higher, and if an insured event has occurred, the deductible in the amount of 640 euros per insured event applies. Automatic motor insurance is a type of compulsory insurance aimed at reducing the number of uninsured vehicles in traffic, accumulating funds for compensation of damage caused by uninsured vehicles and vehicles having automatic insurance cover.<\/p>\n\n
The conclusion is as follows. If you are not planning to use your vehicle (except for a racing car and a vintage vehicle) for longer than 12 months, delete it from the Traffic Register. You can also enter into a motor insurance contract.<\/p>\n\n
YOU MUST NOT TAKE PART IN TRAFFIC ON A VEHICLE THAT DOES NOT HAVE MOTOR INSURANCE (NO CONTRACT HAS BEEN ENTERED INTO).<\/strong><\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"d17b992e-a58f-45b5-99d0-36b7a1c2eeaa"},"useSeparator":"enabled"},{"content":{"params":{"contentName":"Image","file":{"path":"images\/file-5aaea50c4a845.jpg","mime":"image\/jpeg","width":1702,"height":1064,"copyright":{"license":"U"}}},"library":"H5P.Image 1.1","metadata":{"license":"U","contentType":"Image","title":"Ilma pealkirjata Image","defaultLanguage":"en"},"subContentId":"dc5fec03-2d90-45c1-a5ea-3b64c64a81cf"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Vehicles subject for insurance:<\/strong><\/h2>\n\n
The insurance contract must be concluded with regard to a power-driven vehicle and its trailer which is registered or should be registered in the Traffic Register. Also with regard to a tram and a trolleybus. Also with regard to a vehicle that has a customs plate issued in Estonia or a removable national registration plate.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"03d957f9-5dda-413e-8de3-e357746eb441"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"2","options":{"heightRatio":0.34999999999999997779553950749686919152736663818359375,"spacing":0.5,"frame":true},"clips":[{"image":{"width":284,"height":177,"mime":"image\/png","path":"images\/collageClip-5afe983e450f3.png"},"scale":1,"offset":{"left":0,"top":0}},{"image":{"width":685,"height":410,"mime":"image\/jpeg","path":"images\/collageClip-5bfe83d0197e9.jpg"},"scale":1,"offset":{"left":-10.769147261575000129596446640789508819580078125,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"9197f5ae-e051-48ff-97c6-0594cb3da561"},"useSeparator":"disabled"},{"content":{"params":{"text":"
From 01.12.2024, other vehicles with a design speed exceeding 25 kilometers per hour, or a vehicle with a design speed exceeding 14 kilometers per hour and whose mass with full equipment without cargo and driver is greater than 25 kilograms, must also be covered by motor insurance.<\/p>"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"02c35903-404f-4141-bd40-ac07447697a4"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"2","options":{"heightRatio":0.5500000000000000444089209850062616169452667236328125,"spacing":0.200000000000000011102230246251565404236316680908203125,"frame":true},"clips":[{"image":{"width":825,"height":887,"mime":"image\/png","path":"images\/collageClip-66eade0068c12.png"},"scale":1,"offset":{"left":0,"top":0}},{"image":{"width":768,"height":848,"mime":"image\/jpeg","path":"images\/collageClip-66eadeb45029c.jpg"},"scale":1,"offset":{"left":0,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Ilma pealkirjata Collage"},"subContentId":"ed6e2eae-7583-4691-b19b-fc88a643c3d6"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Insured event<\/strong><\/h2>\n\n
An insured event within motor insurance means the causing of damage to a third party, provided that the following conditions exist at the time:<\/strong><\/p>\n\n
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the damage has been caused by a vehicle that is subject to the insurance obligation<\/p>\n\t<\/li>\n\t
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the damage has been caused in the result of operation of the vehicle in traffic and there is a causal link between the movement or location of the vehicle and the damage caused<\/p>\n\t<\/li>\n\t
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the damage has been caused on the road or in another area used forconventional vehicle traffic<\/p>\n\t<\/li>\n<\/ul>\n\n
The following is not deemed an insured event:<\/strong><\/p>\n\n
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damage caused in a vehicle (incl. aircraft and water craft), except upon driving on or off a ferry engaged in regular services<\/p>\n\t<\/li>\n\t
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damage caused in a place closed and separated for racing, training or another similar event<\/p>\n\t<\/li>\n\t
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damage caused in the territory closed for traffic<\/p>\n\t<\/li>\n\t
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damage caused on the road or in another area used for conventional vehicle traffic at a time when the area was closed for public traffic or in the course of performance of work that was not related to the movement of vehicle<\/p>\n\t<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"910a295d-8dd7-4c99-8acc-0c5d35433644"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":663,"height":373,"mime":"image\/jpeg","path":"images\/collageClip-59ede0a0318df.jpg"},"scale":1,"offset":{"left":0,"top":-8.9779238237490996965561862452886998653411865234375}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"77b2cdaa-2ee1-44fa-993d-7ba3c17bebeb"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Motor insurance contract and policy<\/h2>\n\n
Under a contract, the insurer agrees to, on behalf of the possessor of a vehicle, or insured person, compensate, the injured party for damage caused to the injured party as a result of an insured event. The policyholder agrees to pay the insurer regular insurance premium.<\/p>\n\n
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The contract may be concluded as a policyholder by any person who has an insurable interest.<\/p>\n\t<\/li>\n\t
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A contract may be concluded for a term of up to one year.<\/p>\n\t<\/li>\n\t
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The insurance cover provided under a contract is effective in all the contracting states.<\/p>\n\t<\/li>\n\t
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The insurance cover is effective in third countries if the country has been specified in the policy certifying the conclusion of a contract or on the green card.<\/p>\n\t<\/li>\n\t
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The insurer will not charge any additional insurance premium for the insurance cover effective in another contracting state.<\/p>\n\t<\/li>\n\t
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The insurer has the right to charge an additional insurance premium or another fee for the insurance cover effective in a third country.<\/p>\n\t<\/li>\n\t
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A policy is a document certifying the existence of a contract.<\/p>\n\t<\/li>\n\t
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The insurer will issue to the policyholder a policy in a form that can be reproduced in writing.<\/p>\n\t<\/li>\n\t
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If you have selected an insurance contract that is renewed automatically, the insurer will issue a new policy by the start of the insurance term.<\/p>\n\t<\/li>\n\t
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A green card is a special type of policy, which certifies that the insurance cover is effective, besides Estonia and the contracting states, also in the third country specified on the green card.<\/p>\n\t<\/li>\n\t
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At the request of the policyholder, the insurer will issue a green card to the policyholder.<\/p>\n\t<\/li>\n<\/ul>\n\n
According to the valid legislation, drivers do not have to carry a policy or a green card when driving in Estonia. While travelling abroad, take the green card with you, since it will help you to avoid trouble with local authorities.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"dbda4514-ff18-4d8e-bff3-b791601dd719"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Traffic accident with a cyclist or a pedestrian - an insured event<\/span><\/span><\/span><\/strong><\/h2>\n\n
Personal and property damage are compensated to cyclists.<\/p>\n\n
The damage done to a car is not compensated by motor insurance.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"594f43e0-ec44-4d87-a56d-f80a3a90ca60"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":1084,"height":625,"mime":"image\/jpeg","path":"images\/collageClip-59edde3862bc2.jpg"},"scale":1,"offset":{"left":0,"top":-2.048436999893299859110129546024836599826812744140625}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"97eb9173-9c1d-4605-821b-746eeb152365"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Traffic accident with a cyclist or a pedestrian - an accident<\/span><\/span><\/span><\/strong><\/h2>\n\n
Personal damage is compensated to cyclists.<\/p>\n\n
The damage done to a car is not compensated by motor insurance.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"d3496c47-5f34-43c6-b309-e6f29eb4acba"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":675,"height":400,"mime":"image\/jpeg","path":"images\/collageClip-59edde4a1b062.jpg"},"scale":1,"offset":{"left":0,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"5b666a95-c489-4be2-b5a1-924cb670d2c4"},"useSeparator":"disabled"},{"content":{"params":{"text":"
The damage done to a pedestrian or a cyclist in the result of insured event is also compensated if the driver is not responsible for the damage done.<\/p>\n\n
Damage is not compensated if a pedestrian or a cyclist has caused damage:<\/strong><\/p>\n\n
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in the result of mutilation or suicide attempt<\/li>\n\t
in a state of intoxication.<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"0e87ceb8-3433-46d5-aaa8-6006046ce9e4"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"2","options":{"heightRatio":0.299999999999999988897769753748434595763683319091796875,"spacing":0.5,"frame":true},"clips":[{"image":{"width":400,"height":300,"mime":"image\/jpeg","path":"images\/collageClip-59e73142891ad.jpg"},"scale":1,"offset":{"left":0,"top":0}},{"image":{"width":531,"height":399,"mime":"image\/jpeg","path":"images\/collageClip-59e7314471440.jpg"},"scale":1,"offset":{"left":0,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"2d526a8f-b6c1-4ccd-a2d2-8043d271e395"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Sum insured<\/strong><\/h2>
Unless a higher sum insured has been agreed in the contract, the sum insured per insured event is, regardless of the number of injured parties, 1,300,000 euros in the event of destruction or damage of a thing and 6,450,000 euros in the event of causing death, harming health or causing an injury.<\/p>
At first, the sums seem to be large, but, for example, in the case of the accident shown in the following picture, it is completely real that the sums reach the maximum. The sums are high in the case of an accident with many human injuries and in the case of very expensive vehicles (buses, trains, etc.).<\/em><\/p>"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"eda9fc5d-c9f2-4ec2-825d-7355231a4559"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":1000,"height":654,"mime":"image\/jpeg","path":"images\/collageClip-5afea56c98a2c.jpg"},"scale":1,"offset":{"left":0,"top":-19.630854582310998779348665266297757625579833984375}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"e3889a39-0e73-4611-a36e-e5d0141c277c"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Personal and property damage.<\/h2>\n\n
Personal damage:<\/strong><\/p>\n\n
\n\t
Compensation for incapacity for work<\/li>\n\t
Maintenance compensation<\/li>\n\t
Funeral expenses<\/li>\n\t
Compensation for non-proprietary damage in event of health damage and bodily injury<\/li>\n<\/ul>\n\n
Property damage:<\/strong><\/p>\n\n
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the destruction or damage of a thing<\/li>\n<\/ul>\n\n
The principle of compensation of personal damage is that the income of a person who sustained damage or the injured person must not diminish in the result of the traffic accident.<\/p>\n\n
The basis for the accrual of income is the income subject to social tax, received by the person who sustained damage.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"0e9598a8-1488-4a00-8404-30f1914538f1"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Think!<\/strong><\/h3>\n\n
Click on the question to see the answer!<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"57a3a31f-51f4-4ff8-a1b7-ae9b48c466dc"},"useSeparator":"enabled"},{"content":{"params":{"contentName":"Image","file":{"path":"images\/file-5aaeab28e4d7d.jpg","mime":"image\/jpeg","width":1704,"height":1110,"copyright":{"license":"U"}}},"library":"H5P.Image 1.1","metadata":{"license":"U","contentType":"Image","title":"Ilma pealkirjata Image","defaultLanguage":"en"},"subContentId":"7b6407a2-f2c4-4692-a17d-562d0121dc27"},"useSeparator":"disabled"},{"content":{"params":{"panels":[{"content":{"params":{"text":"
Since all of the passengers of the vehicle have mostly been injured in the traffic accident, and are rarely guilty of the accident, you have the right to claim for compensation of damage from the driver guilty of the accident by filing a claim to the insurer that provided insurance to the driver, both in terms of personal and property damage done.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"4caa483a-9212-4187-9d78-45614fcd14e0"},"title":"If you have been a passenger in the vehicle, whose driver has caused a traffic accident, will you have the right for claiming for the compensation of damage done in the result of the accident? What kind of damage can you claim for and from whom?"}],"hTag":"h2"},"library":"H5P.Accordion 1.0","metadata":{"contentType":"Accordion","license":"U","title":"Untitled Accordion","defaultLanguage":"en"},"subContentId":"f68e7e84-fc77-45ba-9528-b6c8cbde65fa"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Restoring a vehicle<\/strong><\/h2>\n\n
In the event of destruction of a thing, if its restoration is not justified, its cost preceding to the traffic accident shall be compensated.<\/p>\n\n
If damage has been compensated in full, the insurance company shall have the right for the destructed thing.<\/p>\n\n
The vehicle is subject for repairs if the restoration of its condition preceding to the traffic accident does not exceed the value of the vehicle preceding the traffic accident.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"8dd5f461-f72c-4030-85a1-84a3a55d297d"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Notification of insured event:<\/strong><\/h2>\n\n
The person who caused damage and the injured party must immediately inform either the insurer of the person who caused the damage or the insurer of the injured party about the insured event.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"7b9b2e7d-a6fc-458e-8769-ea853fb72956"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Presentation of damaged thing:<\/strong><\/h2>\n\n
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The person who caused damage and the injured party must keep the vehicle or another thing that was damaged as a result of the occurrence of the insured event in the condition following the insured event to the extent possible and present it to the insurer.<\/li>\n\t
The damaged thing must not be kept in the condition following the insured event after the insurer has inspected it or more than seven calendar days after notifying about the occurrence of the insured event. At the request of the thing must be preserved for 15 calendar days.<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"e2a809a2-6221-495c-bda6-035d4bfc34cd"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":457,"height":343,"mime":"image\/jpeg","path":"images\/collageClip-59edded6965cc.jpg"},"scale":1,"offset":{"left":0,"top":-6.0332956364023999640266993083059787750244140625}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"6ddedcac-0cec-4bed-82c2-07fab67fac40"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Claim for compensation of damage:<\/strong><\/h2>\n\n
A written claim for compensation of damage should be filed to the insurer. If the injured party has informed of the insured event in a form that can be reproduced in writing, it will be deemed that the injured party has also filed a claim for compensation of damage<\/p>\n\n
The claim shall include the desire for the compensation of damage as well as the desired means of the compensation of damage either in cash or in the form of the restoration of property.
\nThe term for filing a claim is 36 months since the day of the traffic accident. (Proceeding from the Law of Property Act).<\/p>\n\n
The insurer must take all the required steps within a reasonable time, but not later than on the 30th calendar day after the notification about the insured event.
\nIn civil, criminal, or misdemeanour proceedings, or insurance arbitration tribunal proceedings, whose decisions are of great importance, the term specified above will be extended by the time of duration of these proceedings.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"a09e4e7e-44a5-4db3-a218-2d2ab99aecf1"},"useSeparator":"enabled"},{"content":{"params":{"text":"
On the basis of the Motor Insurance Act, the following is not subject for compensation (extract):<\/strong><\/h2>\n\n
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damage exceeding the sum specified in the Act;<\/li>\n\t
damage inflicted to the vehicle or another thing by the impact of a stone or another object on the road;<\/li>\n\t
loss of income, except the loss of income due to the personal damage;<\/li>\n\t
damage inflicted upon oneself, except for the treatment costs of the driver;<\/li>\n\t
damage caused to the owner of the vehicle driven by the possessor of the vehicle;<\/li>\n\t
damage that does not constitute damage characteristic of damage caused by a vehicle as a major source of danger, except for damage caused to another vehicle by a door of a vehicle;<\/li>\n\t
damage arising from a decrease of the value of the damaged thing,<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"d451a097-71b2-4237-81c2-6a49aad6cfbe"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Resolutions of the insurer:<\/strong><\/h2>\n\n
Immediately after the completion of the steps related to handling the claim for compensation, the insurer must compensate for damage or inform the injured party about the refusal to compensate for damage partially or in full.<\/p>\n\n
The extent of guilt determined upon by participants or the resolution of the police are not compulsory for the insurance company.<\/p>\n\n
If the recipient of the resolution does not agree to it, he or she can contest the resolution made by the insurance company at the insurance dispute committee or in court.<\/p>\n\n
Damage caused by an unidentified vehicle will be compensated for by the fund, taking into account the restrictions established in the Act. An insured event is deemed as caused by an unidentified vehicle if, given the nature of the damage caused as a result of the insured event, it can be presumed that the insured event was caused by a vehicle, but the insurer of the vehicle that caused the insured event cannot be identified.<\/p>\n\n
The fund will not compensate for damage caused by an unidentified vehicle if the damage comprises the destruction or damage of a vehicle, unless at least a serious bodily injury or serious health damage specified was caused to one person or several persons or the death of a person was caused as a result of the same insured event.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"563fbe43-f665-4a1b-8fed-577b6f5c2bba"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Recovery claim, or recourse.<\/h2>\n\n
A recovery claim can be filed against the driver if the driver:<\/strong><\/p>\n\n
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wilfully caused the insured event;<\/li>\n\t
caused the insured event and thereafter unlawfully and wrongfully left the scene of the insured event following the insured event;<\/li>\n\t
drove a vehicle that was illegal to possess;<\/li>\n\t
drove a vehicle in a state of intoxication;<\/li>\n\t
exceeded the permitted speed limit by 41 kilometres per hour or more;<\/li>\n\t
knowingly disregarded a stop signal given by a person exercising traffic supervision;<\/li>\n\t
drove a vehicle by disregarding the prohibition to drive a power-driven vehicle specified in the Traffic Act;<\/li>\n\t
was removed from driving a vehicle in accordance with the Traffic Act.<\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"42fe8574-833c-4cef-938c-82c491533825"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Motor insurance premium<\/h2>\n\n
The monthly motor insurance premium amount is calculated by the insurance company. The following aspects are taken into consideration:<\/p>\n\n
\n\t
type of vehicle, specifications,<\/li>\n\t
damage statistics, driving record and insurance history, etc.<\/li>\n\t
main area of vehicle usage.<\/li>\n\t
field of application of a vehicle<\/li>\n<\/ul>\n\n
The offers made by different insurance companies, i.e. insurance payments, can be compared on the webpages of insurance companies online. You can also use the motor insurance calculator at www.lkf.ee<\/a>. If you enter into a contract for the maximum period, i.e. for a year, the monthly payment will be much lower than if you enter into a contract on a monthly basis.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"a5fae962-cb7f-4051-a041-f2fb4a73b98c"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Cross-border insurance <\/strong>is the type of motor insurance that is used to insure a vehicle normally based in a foreign country, except in a contracting state of the European Economic Area or the Swiss Confederation, whereby the liability arising from damage caused by the use thereof is not insured. The provider of cross-border insurance is the Estonian Traffic Insurance Foundation<\/p>\n\n
The insurance cover, insurance premium, area of validity and other terms and conditions of cross-border insurance are similar to the ones pertaining to ordinary motor insurance.<\/p>\n\n
Webpage of the Estonian Traffic Insurance Foundation: www.lkf.ee<\/a><\/strong><\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"4ef42de2-0b45-4e04-9500-3372ed6eef3d"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Motor hull insurance<\/h2>\n\n
The entry into a motor hull insurance contract is voluntary.<\/p>\n\n
There are different packages of motor hull insurance:<\/p>\n\n
\n\t
Super motor hull insurance <\/strong>covers the majority of possible damage, such as a traffic accident, a natural disaster, fire, vandalism, theft, robbery.<\/li>\n\t
Motor hull insurance <\/strong>might not include some of the risks mentioned above.<\/li>\n\t
Mini motor hull insurance <\/strong>means that damage is only compensated with regard to specific types of damage listed in the contract. etc.<\/li>\n<\/ul>\n\n
Within motor hull insurance, the types of damage listed in the terms and conditions of the relevant type of contract are covered.<\/p>\n\n
The amount of insurance premium depends on the selected package, the make of the vehicle and engine capacity, the age of the vehicle, the deductible amount as well as the area of usage of the vehicle.<\/p>\n\n
Requirements that are valid for vehicles subject for insurance:<\/p>\n\n
\n\t
registered in Estonia;<\/li>\n\t
have a valid proof of technical inspection;<\/li>\n\t
they must not be break-down vehicles;<\/li>\n\t
in the event of insurance against theft, a vehicle must be equipped with an immobilizer and an alarm.<\/li>\n<\/ul>\n\n
When obtaining insurance for a vehicle, except for extending the term of the contract or purchasing a new vehicle from the dealership, the vehicle is inspected before the conclusion of the insurance contract, and photos are taken.<\/p>\n\n
As a rule, the amount of deductible is specified in the contract. This is a share of the damage covered by a person who sustained damage. There is a specific amount of deductible indicated in the contract or the specific percentage from the amount of damage.<\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"bd619695-eab6-4dba-8bde-dc0cb09d426d"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"2","options":{"heightRatio":0.25,"spacing":0.5,"frame":true},"clips":[{"image":{"width":460,"height":300,"mime":"image\/jpeg","path":"images\/collageClip-5afeb9d7841d8.jpg"},"scale":1,"offset":{"left":0,"top":-11.58336427292000081479272921569645404815673828125}},{"image":{"width":310,"height":163,"mime":"image\/png","path":"images\/collageClip-5afeb9e865b94.png"},"scale":1,"offset":{"left":0,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"b691f9c2-1674-41d1-9d1b-1e19cd57d44b"},"useSeparator":"disabled"},{"content":{"params":{"text":"
Think!<\/span><\/span><\/span><\/h2>\n\n
Click on the question to see the answer!<\/span><\/span><\/span><\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"e3faa481-b437-41f0-b421-88b2c1056e4b"},"useSeparator":"enabled"},{"content":{"params":{"panels":[{"content":{"params":{"text":"
\n\t
depending on the case, inform the police and\/or the Rescue Board;<\/span><\/span><\/span><\/li>\n\t
write down the data of eye witnesses <\/span><\/span><\/span><\/li>\n\t
if it is a traffic accident, register the accident using the valid form <\/span><\/span><\/span><\/li>\n\t
try to avoid further damage<\/span><\/span><\/span><\/li>\n\t
inform the insurance company about the event in due time<\/span><\/span><\/span><\/li>\n\t
present the damaged vehicle to the insurer<\/span><\/span><\/span> for inspection and take it to repairs with the permission of the insurer<\/span><\/span><\/span><\/li>\n\t
file the claim for damage in due time<\/span><\/span><\/span><\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"71fa325f-9f47-4649-b2c9-0bc6be10d55a"},"title":"What should be done in the motor hull insurance event?"},{"content":{"params":{"text":"
In all of the events when motor insurance does not compensate the incurred damage. It means events when you are not an injured party in the traffic accident. If you are an injured party in the traffic accident, the insurer that provides motor insurance services to the driver guilty of the accident will compensate the damage done to me.<\/span><\/span><\/span><\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"2eaeee33-4344-4c85-8b78-14b15006c563"},"title":"In which loss events should I turn to the company providing me with motor hull insurance?"},{"content":{"params":{"text":"
Read the terms and conditions of the insurance contract carefully and ask for additional information from the insurer providing motor hull insurance services.<\/span><\/span><\/span> <\/span><\/span><\/span><\/p>\n\n
As a rule, they are the following cases:<\/span><\/span><\/span><\/p>\n\n
\n\t
the amount of damage is less then the deductible amount;<\/span><\/span><\/span><\/li>\n\t
insurance premium has not been paid;<\/span><\/span><\/span><\/li>\n\t
at the time of the accident, the driver did not have the right to drive;<\/span><\/span><\/span><\/li>\n\t
damage was done wilfully;<\/span><\/span><\/span><\/li>\n\t
damage was done in the result of negligence or carelessness;<\/span><\/span><\/span><\/li>\n\t
the driver has left the site of the accident;<\/span><\/span><\/span><\/li>\n\t
the driver was in a state of intoxication;<\/span><\/span><\/span><\/li>\n\t
if the vehicle has been stolen, not all car keys, alarm panels, and the registration certificate of the vehicle have been handed over.<\/span><\/span><\/span><\/li>\n<\/ul>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"9e55d968-c86a-4bad-9168-20542f4df076"},"title":"In which events is the damage not compensated?"}],"hTag":"h2"},"library":"H5P.Accordion 1.0","metadata":{"contentType":"Accordion","license":"U","title":"Untitled Accordion","defaultLanguage":"en"},"subContentId":"04000247-e42e-4a12-af0a-0329b3ab5741"},"useSeparator":"disabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.40000000000000002220446049250313080847263336181640625,"spacing":0.5,"frame":true},"clips":[{"image":{"width":549,"height":412,"mime":"image\/jpeg","path":"images\/collageClip-59ede0208600f.jpg"},"scale":1,"offset":{"left":0,"top":-5.67854560973009991897697545937262475490570068359375}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Untitled Collage","defaultLanguage":"en"},"subContentId":"8c8bb509-3761-4be5-acb1-fb521fcd0b96"},"useSeparator":"disabled"},{"content":{"params":{"text":"
You can familiarize yourself with the terms and conditions of motor hull insurance provided by different insurance companies on their webpages.<\/span><\/span><\/span><\/p>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"044e4785-51c3-42ce-b0e2-2cd10ce506c7"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Come to drive!<\/h2>
Driving skills come with experience! Every driving lesson gives you more confidence and knowledge in traffic.<\/p>
It's time to book a driving lesson in traffic now!<\/strong><\/p>
Our wonderful instructors are waiting for you!<\/p>"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"7ebf5c01-2717-43d3-8e93-d8731bdd3666"},"useSeparator":"enabled"},{"content":{"params":{"collage":{"template":"1","options":{"heightRatio":0.299999999999999988897769753748434595763683319091796875,"spacing":0.5,"frame":true},"clips":[{"image":{"width":1770,"height":822,"mime":"image\/jpeg","path":"images\/collageClip-67d83e737d06e.jpg"},"scale":1,"offset":{"left":0,"top":0}}]}},"library":"H5P.Collage 0.3","metadata":{"contentType":"Collage","license":"U","title":"Ilma pealkirjata Collage"},"subContentId":"bf8adb0b-33c9-4f9e-9382-639ec0c4ddc2"},"useSeparator":"disabled"},{"content":{"params":{"text":"
E-learning students will be followed by a third contact lecture.<\/h3>
Please contact your regional office for this. <\/p>
https:\/\/e-autokool.eu\/?contacts=kontorid<\/a><\/p>"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Ilma pealkirjata Text"},"subContentId":"12cc1676-53f1-4814-b06a-004689fa6d6e"},"useSeparator":"enabled"},{"content":{"params":{"text":"
Solve the lecture test by pressing the button: \"NEXT\"!<\/h2>\n"},"library":"H5P.AdvancedText 1.1","metadata":{"contentType":"Text","license":"U","title":"Untitled Text","defaultLanguage":"en"},"subContentId":"02b11c1a-58b7-4ecf-aff8-6851ae6d5ee7"},"useSeparator":"enabled"}]}

T25/2 - Behaviour in the event of a traffic accident