The law also increases the minimum limits of insurance coverage in the event of injury to health, death or property damage. In all cases, the limit increases from the current 35 million crowns to 50 million crowns. In the case of personal injury or death, the limit applies to each victim, in the case of property damage, the limit is for one damage event, regardless of the number of victims.
The law redefines the term vehicle. This expands the range of vehicles for which it will be necessary to pay the compulsory insurance. Newly, this obligation will apply to all motor cars with a design speed of over 25 kilometers per hour and to motor vehicles with a design speed of more than 14 kilometers per hour that weigh more than 25 kilograms. At the same time, the law stipulates that motor vehicles are those where the engine is the main source of movement.
For electric scooters, insurance will have to be negotiated if their maximum design speed is over 25 km/h or if their operating weight is greater than 25 kilograms and the maximum design speed is greater than 14 km/h. The government says in the explanatory memorandum that the number of accidents caused by scooters has increased tenfold in the past five years, with the number of accidents caused by electric scooters more than double that of conventional scooters.
If a police officer checks a vehicle subject to compulsory insurance and discovers that it does not have compulsory insurance, he will have the right to order the driver to stop the vehicle. E-bikes, for example, will have an exception because their primary energy source is pedaling, and not just a plug-in motor. An exception will also apply to garden tractors that move exclusively on private property. The moment they leave it on the road, they become a vehicle and must have insurance, the Ministry of Finance warned earlier.
According to him, the obligation to take out liability insurance is newly transferred from the car owner to its actual operator. According to the Ministry of Finance, this means that the obligation to insure the operation of the vehicle will always concern the operator, not the driver who, for example, borrowed it temporarily. This also applies to the short-term use of shared scooters, the Ministry of Finance stated earlier.
The new law also cancels the so-called green card for proving paid liability insurance in the Czech Republic. According to the explanatory report, the card is losing its meaning due to the digitization of the insurance control system. Newly, the green card will only serve as international proof of payment of liability insurance if drivers go abroad.
Based on comments made by ANO MPs Zuzana Ožanová and Martin Kolovratník, the economic committee recommended clarifying the provision that concerns the insurance company’s right to ask the motorist back for the money it paid for him as compensation for damages. In such a case, the insurance company must prove that the motorist violated the obligations regarding the technical condition of the vehicle, and thus caused the damage.
The committee therefore recommended that the wording of the new provision be specified so that the insurance company will have to prove that the cause of the injury was the facts stipulated in the law. The wording proposed by the government did not include the word cause. Kolovratník already expressed his concern in the first reading that insurance companies will not want to cover damage even due to a relatively minor defect that is not related to the accident.