The limitations of the policy of liability insurance for the car cover subjects that can be applied to the insurance coverage for damage caused to third persons, and according to agreement with his company at the time of conclusion of the bill also changes the number of people who can drive the car insured.

This means that the damage suffered by the insured person is not covered by the policy of liability insurance, which covers only the damage caused to others. Apart from these, the insurance is not liable for damage to the driver of the car, or who has possibly taken a rental. Also not covered are spouses, unmarried partners more, relatives in direct line is that ascending descending (or their children or their parents) and even the relatives up to third degree (even if they are unmarried or considered if they can be charged the insured). Finally, if the insured is a company, are not covered by the policy of liability partners with unlimited liability and their relatives, spouses or descendants under the conditions we have just mentioned.

All this applies only to accidents caused by negligence. For those caused by other people, spoke to the insurance company of the counterparty, or with the rules of direct compensation, the company then asked to refund the amount you paid.

As to the third party insurance coverage, the bill can be made by providing a range of subjects that are covered when driving the vehicle insured. The more of these subjects, the more clearly will the premium be paid. In fact more people are empowered to drive the vehicle, the more the risk of accident and thus, consequently change the amount of premium payable to the insurance company. The premium is the lowest in the extreme case of driving only when the contractor can only drive the vehicle and only applies to him the insurance policy. The opposite case is that of the free guide. All can drive the vehicle; the insurance coverage will always be valid regardless of who holds the steering wheel. In this case, however, the insurance premium is likely to be particularly higher than the base.

Then there are intermediate forms, at a reasonable cost, making it possible to relinquish the wheel and to extend coverage only to the members of the household.