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Voluntary Personal Accident of Passengers in the Motor Vehicles insurance covers damages of the injured persons traveling in motor vehicles, including the driver, and provide insurance compensation in cases of injury, permanent disability or death, resulting from a traffic accident. The total insurable value of each seat in the motor vehicle is determined by the insured based on the standard limits offered by the insurance company or upon an agreement.
In case of an accident, the insurance compensation is equally distributed among the injured persons in the vehicle. Each injured person shall receive compensation depending on the specified percentage of permanent disability. In the event of death, the compensation shall be paid in to the lawful heirs.