Gépjármfelelsségbiztosítás

Gépjárműfelelősség, commonly translated as vehicle liability, is the civil obligation to compensate others for harm caused by operating a motor vehicle. It covers injuries to people and damage to property resulting from traffic incidents, and may involve medical costs, lost earnings, and repair or replacement of property. Liability rules vary by jurisdiction, but most systems require proof of harm and a causal link to the vehicle’s operation.

To secure redress for victims, many places require motor vehicle liability insurance. This compulsory cover pays third parties up to policy limits for bodily injury and property damage. Policies may exclude intentional acts, certain uses, or damages beyond the stated limits. Some regions offer additional protections such as uninsured/underinsured motorist coverage or personal injury protection.

Claims are typically handled by insurers, who assess fault, determine liability, and arrange settlements or payments. In fault-based systems, liability must be established; some regions operate no-fault schemes for certain expenses. Subrogation rights let insurers recover costs from at-fault parties, and there may be arrangements to cover damages when the other driver is uninsured.

Cross-border scenarios, especially within the European Union, use harmonised rules and insurance certificates to facilitate recognition of cover and compensation for victims abroad.

Gépjárműfelelősség thus distributes the financial risk of road transport and supports victims, reinforcing road safety and accountability. See also auto insurance and civil liability.