{"id":75,"date":"2023-12-24T21:49:44","date_gmt":"2023-12-24T21:49:44","guid":{"rendered":"https:\/\/demosites.royal-elementor-addons.com\/personal-blog-v3\/?p=75"},"modified":"2024-03-16T11:35:51","modified_gmt":"2024-03-16T11:35:51","slug":"octa-polises","status":"publish","type":"post","link":"https:\/\/blog.ongo.lv\/en\/mtpl-insurances\/","title":{"rendered":"MTPL insurance policies: what you need to know about compulsory vehicle insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"75\" class=\"elementor elementor-75\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cdd78b9 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6cdd78b9\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45ebb8ff elementor-widget elementor-widget-text-editor\" data-id=\"45ebb8ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 20-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<!-- wp:paragraph -->\n<p>Motor Third Party Liability insurance, or MTPL, is a type of insurance that is mandatory for every vehicle owner in Latvia. <a class=\"ek-link\" href=\"https:\/\/ongo.lv\/?lang=en_us\">MTPL<\/a>\u00a0ensures the payment of compensation to third parties for damages caused as a result of a road traffic accident. The nuances related to MTPL are essential to avoid unexpected financial costs and violations of the law.<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3488f1f elementor-widget elementor-widget-image\" data-id=\"3488f1f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 20-03-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"960\" height=\"548\" src=\"https:\/\/blog.ongo.lv\/wp-content\/uploads\/2023\/12\/octa-polises-OCTA-1024x585.jpg\" class=\"attachment-large size-large wp-image-1441\" alt=\"MTPL policies\" srcset=\"\" sizes=\"(max-width: 960px) 100vw, 960px\" data-srcset=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64ebab8 elementor-widget elementor-widget-heading\" data-id=\"64ebab8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 20-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Everything an MTPL policyholder needs to know<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4fb1d4 elementor-widget elementor-widget-text-editor\" data-id=\"c4fb1d4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>First of all, it is important to understand that the MTPL must be issued for each vehicle, regardless of the frequency of its use. The policy can be purchased both for a year and for a shorter period depending on the needs. The insurance policy must be renewed before the previous one expires so that the insurance coverage is continuous.<\/p>\n<p>Second, MTPL prices can vary depending on a number of factors, including vehicle make and model, engine capacity, vehicle age, and the insurer's driver's experience and history on the road. Different insurance companies can offer different rates and additional range, so it is worth comparing several offers.<\/p>\n<p>Thirdly, it is important to remember that <strong>MTPL policies<\/strong> does not cover everything. The insurance coverage applies only to third-party damages \u2013 physical damage or health disorders, as well as property damages that occurred as a result of a road traffic accident. Damages and losses to the vehicle itself caused by the owner or driver of the vehicle are not covered. For these purposes, there is CASKO insurance, which covers a wider risk and offers additional protection.<\/p>\n<p>Fourth, if there is a traffic accident, a certain procedure must be followed. It is necessary to register the accident, call the police and inform the insurance company. The procedure for submitting and reviewing insurance claims may differ depending on the company, so it is important to familiarize yourself with the insurer's rules in time.<\/p>\n<p>Fifthly, it should be taken into account that the compulsory motor liability insurance policy does not have to be presented to the state or municipal police in Latvia. If you have not purchased an insurance policy, then you will be fined, and if an accident occurs without a valid MTPL, the owner will have to cover the resulting losses.<\/p>\n<p>In conclusion, <strong>MTPL policies<\/strong> is important both legal and financial security for every vehicle owner. It may seem like an additional cost, but it is indispensable in situations where unexpected large losses have to be covered. Every driver must be aware of their responsibilities and rights related to MTPL policies in order to be able to participate in road traffic safely and responsibly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9642610 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"9642610\" data-element_type=\"container\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Oblig\u0101t\u0101 civiltiesisk\u0101 transportl\u012bdzek\u013cu apdro\u0161in\u0101\u0161ana, vai OCTA, ir apdro\u0161in\u0101\u0161anas veids, kas ir oblig\u0101ts ikvienam transportl\u012bdzek\u013ca \u012bpa\u0161niekam Latvij\u0101. OCTA\u00a0nodro\u0161ina kompens\u0101cijas izmaksu tre\u0161aj\u0101m person\u0101m par zaud\u0113jumiem, kas radu\u0161ies rezult\u0101t\u0101 ce\u013cu satiksmes negad\u012bjum\u0101. Ar OCTA saist\u012bt\u0101s nianses ir b\u016btiskas, lai izvair\u012btos no neparedz\u0113t\u0101m finansi\u0101l\u0101m izmaks\u0101m un likuma p\u0101rk\u0101pumiem. Viss, kas j\u0101zin OCTA polises \u012bpa\u0161niekam Pirmk\u0101rt, ir svar\u012bgi saprast, ka [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1222,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,43,4,3,2,51,50,40],"tags":[48,6,27,25,28,49],"class_list":["post-75","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-octa-kalkulators","category-automasinas-apdrosinasana","category-leta-octa","category-letas-octas","category-octa","category-octa-polise","category-octa-polises","category-oktas-polise","tag-auto-apdrosinasana","tag-octa","tag-octa-apdrosinasana","tag-octa-kalkulators","tag-octa-polise","tag-octa-polises"],"_links":{"self":[{"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/posts\/75","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/comments?post=75"}],"version-history":[{"count":15,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/posts\/75\/revisions"}],"predecessor-version":[{"id":1633,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/posts\/75\/revisions\/1633"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/media\/1222"}],"wp:attachment":[{"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/media?parent=75"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/categories?post=75"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ongo.lv\/en\/wp-json\/wp\/v2\/tags?post=75"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}