Every vehicle on the roads of Estonia is required to have traffic insurance because it is a compulsory insurance which ensures that a possible injured party is compensated for any damage caused by you. Damage does not only include vehicles because also people or, for example, a roadside traffic sign may get injured or damaged in an accident.
Driving without traffic insurance may result in a fine but if there is any damage you may find yourself faced with high costs that you have to pay for out of your own pocket. According to the Estonian Motor Insurance Bureau, average damage in 2019 amounted to €1889 but in the right circumstances a traffic accident caused through your fault involving a luxury vehicle may mean higher costs.
You should take into account that your vehicle will also get damaged in an accident and the bill for repairs may be considerable, which is why it would be sensible for you to buy comprehensive insurance. Comprehensive insurance insures, for example, the vehicle safety equipment and allows you to use the convenient accident assistance service when your car will not start or a tyre punctures.
If the guilty party who has caused damage cannot be identified, for example in shopping centre parking lots, the damage will be compensated under your comprehensive insurance contract. In that case you are only required to cover the deductible.
Frequently there is not enough time to react when an animal runs onto the road and an accident involving an animal does not always depend on one’s driving skills. Hitting an animal may result in serious damage to the vehicle up to the point where the vehicle has to be written off. A collision with an animal is only compensated by comprehensive insurance.