Passenger Injury Insurance Coverage Dispute

A plaintiff, having been injured in an accident caused by a third party's vehicle, sued the owner of that vehicle's insurer for damages, arguing that the insurance contract, which was a mandatory third-party liability policy, extended coverage to all non-driving occupants of the insured vehicle, including the plaintiff who was a passenger at the time of the collision. The court rejected the appeal, reasoning that while the mandatory insurance law aims to fully indemnify victims of traffic accidents, the terms of the specific insurance policy and the general conditions attached to it excluded coverage for passengers, and in the absence of a specific legislative provision compelling the insurer to cover such passengers despite the policy exclusions, the insurer was only bound by the contractual stipulations agreed upon with the policyholder.