The insurance company, which concludes the contract with the driver, is not obliged to compensate third parties for damages if the traffic accident was caused by the fault of the passengers.
The most common type of accident is damaging another car with an open door. As a rule, such problems arise when a passenger tries to move from a car parked on the side of the road or from a car stopped at a traffic light.
Cars in the parking lot. It is impossible to call an insured event under OSAGO any damage that occurs when both the victim’s car and the offender’s car are not moving. In most cases, such situations occur in parking lots, especially in big cities.
The point is that the parking lots are very narrow, so it is not always possible to turn the car around or open the doors fully. A strong gust of wind can also damage the paintwork of a nearby car, which makes the doors open more forcefully with even the lightest action of the drivers, as well as the carelessness of the passengers.
Car at the curb. If such emergencies occur while driving or when the car is parked on the side of the road, then it is a traffic accident. The culprit of the accident in violation of clause 12.7. The SDA of the Russian Federation opened the door of a car parked on the side of the road.
Insurance companies will not pay compensation. In case of such an accident, it is necessary to quickly identify the passenger responsible for the accident. If according to the European protocol it is not possible to report the accident on your own, then you can quickly call the traffic police in order to properly record the fact of the traffic accident.
A car without a driver. If a car accident is caused by a car that started moving on its own, then it is not an accident and therefore insurance companies will not pay compensation under OSAGO. In this situation, the fact of violation of vehicle operation requirements is obvious. In such cases, the vehicle owner is fully responsible for any damage to his property. It turns out that the owners themselves will pay for the damage.
The operation of cars is full of surprises, so drivers must be extremely careful not to get into unpleasant situations.