Sõidukindlustust

Sõidukindlustust refers to the insurance coverage provided to vehicle owners in Estonia. The concept is similar to automobile insurance in other countries, but with certain nuances that are specific to the Estonian legal and regulatory framework.

Sõidukindlustust is mandatory for all vehicle owners in Estonia, except for vehicles that are notsubject to registration. The minimum required coverage is third-party liability, which provides financial protection to other parties in the event of an accident. The insurance policy must include coverage for bodily injury or property damage caused to third parties.

In addition to third-party liability, vehicle owners are also encouraged to purchase comprehensive coverage, which includes protection against theft, property damage, and other non-accident related risks. Comprehensive coverage may also include additional benefits, such as roadside assistance and towing services.

Sõidukindlustust insurance policies can be purchased from insurance companies licensed to operate in Estonia. Vehicle owners are required to prove insurance coverage when registering their vehicle and when being stopped by the police. Failure to provide proof of insurance may result in fines and penalties.

It is also possible to purchase excess liability (Ülekorranõuded) coverage, which provides additional financial protection in the event of an accident. This type of coverage is optional and is intended to provide additional peace of mind to vehicle owners who wish to increase their liability coverage limits.

Overall, sõidukindlustust insurance is an essential aspect of vehicle ownership in Estonia, and vehicle owners are required to maintain adequate coverage in order to comply with the law.