Exceptions
- According to the provisions of the Insurance Code and its regulations, the Guarantee Fund does not make payments under the compulsory motor third party liability insurance for:
- Any damages suffered by the guilty motor vehicle driver;
- Damages caused to the property of a motor vehicle passenger driven by the guilty driver or to the property of any member of the guilty driver’s family;
- Damages caused to the motor vehicle driven by the guilty driver as well as the damages caused to any property transported by such motor vehicle;
- Damages caused during motor vehicle use for participation in any racing, provided that the compliance with traffic rules was not mandatory for the racing participants;
- Damages caused where the motor vehicle is used during any terrorism or war act, provided that the third parties’ damages is directly related to such act;
- Damages caused by the transportation of any radioactive, chemical or other highly hazardous materials;
- Damage representing pollution or contamination of the environment;
- Damages resulting from the loss or destruction of money, jewelry, securities, any kinds of documents, postal stamps, coins or other similar collections;
- Reimbursement of any payments made by the state social security insurance or health insurance system upon or in connection with death or physical injury resulting from an insurance event;
- Any interests on delays accrued at the expense of the guilty driver prior to the date of filing the claim for compensation under Art. 31, para. 1 of the Regulation on the Structure and Operations of the Guarantee Fund;
- Devaluation of the damaged property;
- Fines, confiscations and other property sanctions which do not represent the driver’s guilt under third party liability;
- Damages for which the compensation has been paid by the guilty driver or by any third party;
- The damages to any third party’s property as caused within the territory of the Republic of Bulgaria by an unidentified motor vehicle, except for the cases under Art. 288, para. 2 of the Insurance Code (revoked), now Art. 557, para 2 of the Insurance Code.
- The damages suffered by a person traveling by his/her own will in the motor vehicle and who is aware that such motor vehicle has been acquired through theft, robbery or a crime under Art. 346 of the Criminal Code.
- According to the provisions of the Insurance Code and its regulations, the Guarantee Fund does not make payments under the compulsory motor third party liability insurance where the event occurred as a result of:
- War, rioting or any military action, rebellions, civil disturbances, and any similar to these;
- Act of terrorism;
- Attempt to commit or any committed crime of general nature by a passenger;
- Passenger’s suicide or attempted suicide;
- Any disease of a passenger including epileptic syncope or syncopes of any other nature, hemorrhages, paralysis, gastrointestinal infections, food-poisoning, etc., except the cases where physical suffering is provoked by any insurance event and such suffering results in death or physical injury;
- Premature birth or abortion unless caused by an accident;
- Any temperature influence (cold, freezing, sunstroke or heatstroke), operations, radiation, injections or other treatment insofar as they do not result from an accident;
- Any alcoholic intoxication and any injuries to passengers caused as a result; use of drugs or similar substances by a passenger;
- Earthquake or atomic and nuclear explosions, radioactive products and contamination with these, (ionizing) radiation.