Abstract

The study aims to investigate the liability of insurance companies for accidents and damage to motor vehicles on the one hand, and the damage caused by motor vehicles to people and property on the other hand, according to an analytical study of the relevant laws, and in accordance with the provisions of the Automated and Electric Vehicles Act 2018. Insurance companies are responsible for accidents and damage to the vehicle itself as a result of a functional or technical defect in the motor vehicle when driving in the United Kingdom (Britain), provided that the motor vehicle is insured, and that the person affected is the insured person or beneficiary, and that he has a document. Insurance is in effect at the time of the accident. Insurance companies are also responsible for accidents that lead to death or physical injury. Compensation shall be by applying the same provisions contained in the Fatal Accidents Act 1976 and the Congenital Disabilities (Civil Liability) Act 1976, and the cause is attributable to Insurance companies compensate for the damage resulting from the accident due to their breach of the duty of safety and security. However, if the motor vehicle is not insured, then the vehicle owner is responsible for it in accordance with the Road Traffic Accidents Act1988, and compensation is made by applying the provisions of Damages Act 2011, and in Other times, civil liability is distributed between the two parties when contribution negligence is achieved based on the provisions of the contribution Negligence Law, Law Reform Contributory Negligence Act, and all of this without the injured party exceeding the general statute of limitations stipulated in the Limitation Act 1980.