Motor third-party liability — Latvia

[1] Bodily injury liability: €5,210,000 ↩

If a road traffic accident occurs in Latvia, damages covered on your behalf for injury/health/non-material damage to third parties are covered up to EUR 5,210,000, regardless of the number of injured persons.

līdz 5 210 000 euro - personai nodarītie zaudējumi neatkarīgi no cietušo personu skaita; […] Ja ceļu satiksmes negadījums ir noticis Latvijas Republikā, tad zaudējumu apmērs, ko Jūsu vietā sedz apdrošinātājs, ir:

[2] Property damage liability: €1,050,000 ↩

If a road traffic accident occurs in Latvia, damages covered on your behalf for property damage to third parties (including their vehicle) are covered up to EUR 1,050,000, regardless of the number of third parties.

līdz 1 050 000 euro - mantai nodarītie zaudējumi neatkarīgi no trešo personu skaita

[3] Legal defence: See details ↩

Legal defence / legal expenses cover is not part of this product.

Papildriski: ✓ Diennakts autopalīdzība ✓ Atlīdzība pie sava apdrošinātāja ✓ Sauszemes transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana

[4] Green card: See details ↩

The OCTA Standard Contract already covers the EEA, Switzerland, Serbia, Andorra, Bosnia and Herzegovina, Montenegro and the UK; travel to other Green Card countries requires a separate Green Card contract.

Eiropas Ekonomiskās zonas valstīs, kā arī Šveices Konfederācijā, Serbijā, Andorā, Bosnijā un Hercegovinā, Melnkalnē, Lielbritānijas un Ziemeļīrijas Apvienotajā Karalistē.

[5] Passenger accident: 100% of insured sum ↩

Optional add-on covering passengers present in the vehicle at the time of the accident for injury/trauma, medical expenses, disability (up to 100% of the sum insured for Group I disability) and death (100% of the sum insured); the total sum insured equals the number of registered seats multiplied by the per-person sum insured.

Sauszemes transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšana

[6] Bodily injury liability: €6,450,000 ↩

For accidents occurring in Latvia, Balta covers damages to injured persons up to EUR 6,450,000, regardless of the number of victims.

Latvijas teritorijā personai nodarīto zaudējumu atlīdzināšanai – līdz 6 450 000 eiro neatkarīgi no trešo personu skaita;

[7] Property damage liability: €1,300,000 ↩

For accidents occurring in Latvia, Balta covers property damage (incl. to third-party vehicles) up to EUR 1,300,000, regardless of the number of third parties.

Latvijas teritorijā mantai nodarīto zaudējumu atlīdzināšanai – līdz 1 300 000 eiro neatkarīgi no trešo personu skaita;

[8] Legal defence: See details ↩

Not included in the standard OCTA product.

[9] Green card: Optional ↩

The Green Card is a separate contract (concluded in person or remotely) that extends OCTA cover to non-EEA countries not already included in the standard contract's territory (e.g. Ukraine, Turkey, Moldova, Albania, Azerbaijan, Morocco, Tunisia), valid from 15 days up to 12 months; it is not valid in Russia or Belarus.

[10] Passenger accident: See details ↩

Not offered: BALTA's accident add-on to OCTA covers only the driver of the insured vehicle.

[11] Bodily injury liability: €5,210,000 ↩

For accidents occurring in Latvia, the insurer covers damages for personal injury (including non-material damage) up to EUR 5,210,000 regardless of the number of injured persons; claims can be requested within 3 years of the accident.

līdz 5 210 000 euro - personai nodarītie zaudējumi neatkarīgi no cietušo personu skaita;

[12] Property damage liability: €1,050,000 ↩

For accidents occurring in Latvia, the insurer covers damage to third-party property (including vehicles, roads, buildings and structures) up to EUR 1,050,000 regardless of the number of third parties; claims can be requested within 1 year of the accident.

līdz 1 050 000 euro - mantai nodarītie zaudējumi neatkarīgi no trešo personu skaita.

[13] Legal defence: See details ↩

Not included in BAN's OCTA policy.

[14] Green card: See details ↩

The standard OCTA contract already extends to EEA countries, Switzerland, Serbia, Andorra, Bosnia and Herzegovina and the UK without a separate Green Card.

Eiropas Ekonomiskās zonas valstīs, kā arī Šveices Konfederācijā, Serbijā, Andorā, Bosnijā un Hercegovinā, Lielbritānijas un Ziemeļīrijas Apvienotajā Karalistē

[15] Passenger accident: See details ↩

No dedicated passenger-accident rider; passengers injured in an accident caused by the insured vehicle are compensated as third parties under the personal-injury liability limit, with no standalone benefit amount stated.

[16] Bodily injury liability: €5,210,000 ↩

Covers damages caused by the insured vehicle to third parties' health/life in a traffic accident occurring in Latvia, up to EUR 5,210,000 regardless of the number of victims.

— līdz 5 210 000 euro - personai nodarītie zaudējumi neatkarīgi no cietušo personu skaita;

[17] Property damage liability: €1,050,000 ↩

Covers damages caused by the insured vehicle to third parties' property, including their vehicles, in a traffic accident occurring in Latvia, up to EUR 1,050,000 regardless of the number of third parties.

— līdz 1 050 000 euro - mantai nodarītie zaudējumi neatkarīgi no trešo personu skaita.

[18] Legal defence: €14,300 ↩

Optional add-on, sold only together with the OCTA contract, covering legal assistance and litigation/legal-service expenses for pursuing compensation after a traffic accident, up to a EUR 14,300 limit per insurance period.

Juridisko izdevumu atbildības limits (kopējais izmaksājamās apdrošināšanas atlīdzības apmērs) tiek noteikts EUR 14 300.00, apmērā par apdrošināšanas aizsardzības periodu kopā un par vienu gadījumu.

[19] Green card: See details ↩

Not part of the standard OCTA contract; a separate Green Card must be bought from BTA for travel to countries outside the policy's territorial scope (e.g. Albania, Iran, Israel, Macedonia, Morocco, Moldova, Tunisia, Turkey, Ukraine), by phone, contact form, or at a BTA client centre.

Ja plāno ar auto doties uz Albāniju, Irānu, Izraēlu, Maķedoniju, Maroku, Moldovu, Tunisiju, Turciju vai Ukrainu, Tev būs jāiegādājas starptautiskais apdrošināšanas līgums jeb Zaļā karte. To vari iegādāties zvanot uz BTA klientu apkalpošanas tālruni +371 26 12 12 12, aizpildot saziņas formu, vai apmeklējot mūsu klientu apkalpošanas centrus.

[20] Passenger accident: Optional ↩

Optional add-on (Noteikumi Nr. 8A) covering death, disability, injury/trauma and medical expenses for the vehicle's passengers resulting from a road traffic accident; the specific sums insured are set individually in the policy and are not fixed by the terms.

Jūs – apdrošināšanas līgumā norādītā transporta līdzekļa vadītājs un pasažieri nelaimes gadījuma iestāšanās brīdī (Apdrošinātais likuma „Par apdrošināšanas līgumu” izpratnē).

[21] Bodily injury liability: €5,210,000 ↩

For accidents occurring in Latvia, the insurer covers up to 5,210,000 EUR for personal injury, regardless of the number of victims.

[22] Property damage liability: €1,050,000 ↩

For accidents occurring in Latvia, the insurer covers up to 1,050,000 EUR for property damage, regardless of the number of third parties.

[23] Legal defence: See details ↩

Compensa's standard OCTA does not include a separate legal defence costs cover.

[24] Green card: Optional ↩

A separately purchasable international agreement (Green Card) required for travel to non-EEA Green Card countries such as Albania, Azerbaijan, Morocco, Moldova, Tunisia, Turkey, North Macedonia or Ukraine; it is valid only in the countries listed on the policy.

Zaļā karte ir starptautisks apdrošināšanas līgums, kas tiek noslēgts attiecībā uz Latvijā reģistrētu transportlīdzekli, kurš piedalās ceļu satiksmē valstī, kura ir Zaļās kartes sistēmas dalībvalsts. To ir nepieciešams iegādāties, ja plāno ar auto doties uz Albāniju, Azerbaidžānu, Maroku, Moldovu, Tunisiju, Turciju, Ziemeļmaķedoniju vai Ukrainu vai šķērsot kādu no šīm valstīm.

[25] Passenger accident: See details ↩

There is no standalone passenger accident add-on to the OCTA standard contract; combined driver-and-passenger accident cover is offered only within the separately branded Zelta OCTA product.

Sauszemes transportlīdzekļa vadītāja un pasažieru nelaimes gadījumu apdrošināšanas noteikumi Nr. VPNGA26

[26] Bodily injury liability: €6,450,000 ↩

līdz 6 450 000 EUR - personai nodarītie zaudējumi neatkarīgi no cietušo personu skaita;

[27] Property damage liability: €1,300,000 ↩

līdz 1 300 000 EUR - mantai nodarītie zaudējumi neatkarīgi no trešo personu skaita.

[28] Legal defence: See details ↩

Not included in ERGO's OCTA standard contract.

[29] Green card: See details ↩

Not part of the standard OCTA policy, which already covers the EEA and the listed partner countries. For other Green Card countries ERGO sells a separate International MTPL (Green Card) policy.

[30] Passenger accident: See details ↩

No separate passenger accident cover; injured passengers are compensated under third-party bodily injury liability.

[31] Bodily injury liability: €6,450,000 ↩

Covers damages caused to third parties' health and non-pecuniary damage in a traffic accident occurring in Latvia, up to EUR 6,450,000 per accident regardless of the number of injured persons.

[32] Property damage liability: €1,300,000 ↩

Covers damages caused to a third party's property (including their vehicle, road infrastructure, buildings) in a traffic accident occurring in Latvia, up to EUR 1,300,000 per accident regardless of the number of third parties.

[33] Legal defence: See details ↩

Not mentioned as a benefit in the reviewed OCTA IPID documents; legal expense cover is not part of the standard MTPL contract in Latvia.

[34] Green card: Optional ↩

Optional international extension for Latvian-registered vehicles to obtain liability cover when travelling to Green Card system member countries outside the standard territorial scope (Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine); valid from 15 days up to 12 months.

[35] Passenger accident: See details ↩

Not mentioned as a benefit of the standard OCTA product in the reviewed sources.

[36] Bodily injury liability: €6,450,000 ↩

Statutory minimum compensation for injury or death caused to a third party in a road accident, up to 6,450,000 EUR regardless of the number of injured persons.

līdz 6 450 000 EUR – personai nodarītie zaudējumi, neatkarīgi no cietušo personu skaita

[37] Property damage liability: €1,300,000 ↩

Statutory minimum compensation for property damage (including to another vehicle) caused to third parties in a road accident, up to 1,300,000 EUR regardless of the number of parties affected.

līdz 1 300 000 EUR – mantai nodarītie zaudējumi, neatkarīgi no cietušo personu skaita

[38] Legal defence: Not established from the reviewed documents ↩

Not mentioned in the reviewed OCTA Standard Contract, OCTA+ or Green Card IPID documents.

[39] Green card: Optional ↩

Separate optional policy required for travel to non-EEA countries not automatically covered by the OCTA Standard Contract (e.g. Albania, Azerbaijan, Morocco, Moldova, North Macedonia, Tunisia, Turkey, Ukraine); compensation limits and exclusions are set by the legislation of the country where the accident occurs, not by If.

Zaļās kartes apdrošināšanu nevar iegādāties attiecībā uz šādām valstīm: Eiropas Ekonomiskās zonas valstis

[40] Passenger accident: Not established from the reviewed documents ↩

No separate fixed passenger-accident benefit is mentioned; a passenger's bodily injury is covered under third-party bodily injury liability if the policyholder caused the accident.

[41] Bodily injury liability: €6,450,000 ↩

Mandatory OCTA liability cover for personal injury caused to third parties, up to EUR 6,450,000 per accident regardless of the number of victims, as set by Latvian law.

līdz 6 450 000 euro par personai nodarītajiem zaudējumiem neatkarīgi no cietušo personu skaita;

[42] Property damage liability: €1,300,000 ↩

Mandatory OCTA liability cover for damage to third parties' property, up to EUR 1,300,000 per accident regardless of the number of third parties, as set by Latvian law.

līdz 1 300 000 euro par mantai nodarītajiem zaudējumiem neatkarīgi no trešo personu skaita.

[43] Legal defence: See details ↩

Not evidenced in the available sources for this product.

[44] Green card: Excluded ↩

An OCTA policy is automatically valid in all EEA countries, plus Andorra, Bosnia and Herzegovina, Montenegro, Serbia, Switzerland and the United Kingdom, without a separate Green Card; a physical Green Card may still be needed for other countries.

Starptautiskais apdrošināšanas līgums (Zaļā karte) ir apdrošināšanas līgums, kas tiek noslēgts attiecībā uz transportlīdzekli, kurš reģistrēts Latvijas Republikā un piedalās ceļu satiksmē valstī, kas ir Zaļās kartes sistēmas dalībvalsts, uz kuru neattiecas 2002. gada 30. maija daudzpusējais nolīgums starp Eiropas Ekonomikas zonas dalībvalstu un citu asociēto valstu nacionālajiem apdrošināšanas birojiem.

[45] Passenger accident: Excluded ↩

Passengers injured in an accident are covered as third parties within the general bodily-injury liability limit; no separate passenger accident sum is stated.

pasažierim, kurš atradies jebkurā no CSNg iesaistītajiem auto;