Kindlustusandja on kohustatud lepingu sõlmima, kui kindlustusvõtja on kindlustuskohustusega isik või kindlustusvõtjal on kindlustushuvi sõiduki kindlustamiseks.
a contract whereby a person or legal entity,the insurer,guarantees to indemnify wholly or partially another person,the insured,in consideration of a lump sum payment or payments at regular intervals known as premiums,for loss suffered by the insured due to the occurrence of the hazard specified in the contract
