One of the most pressing problems faced by people injured in car accidents is the mandatory auto liability insurance that the culprit does not have at the time of the accident, in most cases the lack of insurance constitutes a real threat of non-compensation of the injured person. According to art. 3 of Law no. 106 of 21.04.2022 „compulsory motor civil liabi-lity insurance for damage caused by vehicles (hereinafter – mandatory RCA insu-rance) – insurance contract, proven by the mandatory RCA insurance policy (do-mestic) and/or "Green Card" insurance certificate ” (external), through which a li-censed insurer can carry out compulsory insurance activity RCA undertakes, based on an insurance premium paid by the insured, to compensate the damage caused by a vehicle accident that occurred during the validity period of the insurance con-tract;"1, in other words the RCA represents a contract concluded between the owner of the motor vehicle, called the insured, and the insurance company. In exchange for the insurance premium, the insurer undertakes to pay the damage caused to the third party when the insured risk occurs. According to data from the Automated Information System "Register of road accidents", during twelve months of 2021, 2517 road traffic accidents were regis-tered, as a result of which 254 people died, and 2834 others were traumatized.