Information on motor vehicle insurance

What does motor liability insurance cover?

Motor liability insurance is mandatory for all motor vehicles used in traffic. Read through our examples of cases that are covered by motor liability insurance, and see why we recommend taking out comprehensive motor vehicle insurance.

Covered by motor liability insurance

The following are some fictitious situations in which compensation is payable under motor liability insurance. We describe the situation and state whether motor liability insurance covers the damage to the car/vehicle. Please note that we handle every claim individually and that the nature of the event may determine whether we can pay compensation.

 

Does motor liability insurance cover: a rear-end collision in the evening rush hour?

Paul is driving home through the city centre in the evening rush hour. It is a familiar route, and Paul’s thoughts soon turn to his morning meeting and his plans for the weekend. In a state of distraction, Paul does not notice the traffic lights turning red or the brake lights of the car in front. At the last moment, Paul makes an emergency stop, but it is too late to avoid a collision. Paul crashes into the back of the car in front. Nobody is injured, but both cars have a visible dent.

 

Does motor liability insurance cover: damage to glass on a motorway?

On a sunny spring day, Ralph is driving to his holiday home in the Turku archipelago. The journey is going fine until an overtaking car drives through a layer of snow, sending a stone flying directly into Ralph’s windscreen. The windscreen is cracked and must be repaired.

 

Does motor liability insurance cover: vehicles damaged in car parks?

Sally is spending the weekend at a local mall, shopping and enjoying her free time. When she returns to the car park, she notices that the car next to hers is just leaving. As the car reverses, the driver fails to notice the front of the vehicle making contact with Sally’s car. Sally waves her hands to warn the driver, but the damage is already done. When Sally checks her car, the door on the driver’s side is badly scratched.

 

Does motor liability insurance cover: collisions in built-up areas?

Larry is on his way to floorball practice. The familiar journey takes a surprising and unfortunate direction when Larry turns too sharply towards the sports hall, and the front of the car hits a concrete bollard in the car park. The collision occurred at speed, causing substantial damage to the front of the car and hurting Larry’s wrist. The car needs to be repaired, and Larry’s wrist needs to be examined.

 

Does motor liability insurance cover: Driving off the road when travelling to a holiday home

Eveliina is driving a familiar road to the holiday home for the weekend. However, she is surprised by heavy rainfall on the way. The car starts aquaplaning and Eveliina drifts off the road. Eveliina’s car also damages the fence of a detached house by the road. Luckily, no one was injured, but the front part and wheels of the car needed repairing.