The "Motor Third Party Liability" insurance for vehicle owners and users covers the vehicle driver's liability for culpably caused property and non-property damage to third parties. This may include bodily injury or death, damage to another's property, lost profits resulting from the damage, as well as costs incurred in connection with filing the claim. It is important to note that if you are at fault for causing an accident, you are not entitled to compensation for property or non-property damage. "Civil Liability" insurance is mandatory for vehicles with Bulgarian registration plates, while vehicles with foreign registration are not insured. Its territorial validity includes: the Republic of Bulgaria, Member States of the European Union, the European Economic Area, and third countries that are members of the "Green Card" agreement. Liability limits on the territory of the Republic of Bulgaria are as follows:
For damage to property (items), the limit is up to BGN 2,100,000 for each event, regardless of the number of injured persons.
For property and non-property damage resulting from bodily injury or death, the limit is up to BGN 10,420,000 for each event, regardless of the number of injured persons.