As explained, it is the civil responsibility that a driver who has in an accident, compensating for material damage to third party property and injuries or deaths to third parties, this insurance is voluntary.

Insurance is also offered for the drivers' operating license, which is mandatory, which is made to each driver with an operating license for cargo or passengers, as well as coachmen, cart drivers, cativaneros, biketaxis.

If we analyze insurance being a way of preventing, because we have to take care of ourselves and not incur in violations in order to be compensated in case of damage, this is the only insurance for the guilty, since the driver responsible for an accident is compensated, who does not stop paying the criminal part, but the third parties damaged in the accident in which this driver incurred are compensated, so he does not have to take it out of his family or personal economy.