# In the media: motor insurance and the victim's right to know

URL: https://insurancelawestonia.ee/blog/2022-02-19-media-motor-insurance-victims-information/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)
Published: 2022-02-19
Last updated: 2026-11-04

> Postimees 2022: a seriously injured road accident victim and the insurer's duty to inform about benefits. What the 2024 MTPL reform changed.

> **Original (in Estonian):** Tiina Kaukvere, "Luubi all ⟩ Kohustusliku liikluskindlustuse avalik saladus" (The open secret of compulsory motor insurance), Postimees, 19 February 2022. [Read the article](https://majandus.postimees.ee/7457893/luubi-all-kohustusliku-liikluskindlustuse-avalik-saladus)

*Date note: the date of this post (19 February 2022) is the date of the original publication. This English summary was written for this website in 2026.*

Postimees followed the path of a seriously injured road accident victim towards motor third-party liability (MTPL) benefits. Olavi-Jüri Luik appeared as the victim's counsel.

## Key points

Compulsory motor insurance exists to protect victims, and an insurer should not leave a victim unaware of the benefits to which they are entitled. In serious injury cases the heads of loss are numerous (medical costs, lost income, care, adaptations, non-pecuniary loss), and victims often cannot identify them alone. The high statutory sum insured shows that the legislator had serious injuries in mind.

## What has changed since

The Motor Insurance Act (liikluskindlustuse seadus, LKindlS) has been substantially amended. The minimum sum insured for personal injury is now EUR 6,450,000 per event (LKindlS § 25(1), in force 15 July 2024), compared with EUR 5.6 million at the time of the article. Since the reform of 1 December 2024 the extent of damage is determined under the damages rules of the Law of Obligations Act (võlaõigusseadus, VÕS) with MTPL-specific deviations, and statutory minimum amounts for non-pecuniary loss were added (LKindlS § 32). See the [Motor Insurance Act on Riigi Teataja](https://www.riigiteataja.ee/akt/LKindlS).

## Related pages

- [Motor claims in Estonia for foreign insurers](https://insurancelawestonia.ee/guides/motor-claims-estonia-foreign-insurers)
- [MTPL and Green Card claims](https://insurancelawestonia.ee/guides/mtpl-green-card-claims)
- [EU era and motor insurance](https://insurancelawestonia.ee/history-of-insurance/eu-era-and-motor-insurance)