The "Accident in Seats in a Vehicle" insurance is voluntary and covers all seats in a vehicle. It includes coverage for:
- Death resulting from an accident
- Permanent loss of working capacity resulting from an accident
- Temporary incapacity resulting from an accident
- Medical expenses resulting from an accident
In the event of a traffic accident, regardless of the cause or fault, the insurance covers damages to injured persons who are in the vehicle, whether the vehicle is in motion or stopped, and passengers are getting on or off. Insurance of only some of the seats is not permitted; however, insurance of only the driver's seat is allowed if the passenger seats are insured under the mandatory "Accident to Passengers in Public Transport" insurance. The insured person may determine the insurance amount for one seat, but it must be the same for all seats. The insurance policy duration can range from one month to one year.