Article 931. Insurance of liability for causing harm.
1. Under the contract of insurance of the risk of liability for obligations arising as a result of causing harm to life, health or property of other persons, the risk of liability of the policyholder himself or another person who may be charged with such liability may be insured. 2. The person whose risk of liability for causing harm is insured must be named in the insurance contract. If this person is not named in the contract, the risk of liability of the policyholder is considered to be insured. 3. The contract of insurance of risk of liability for causing harm is considered concluded in favor of persons who may be harmed (beneficiaries), even if the contract is concluded in favor of the policyholder or other person responsible for causing harm, or the contract does not say in whose favor he enclosed. 4. In the case when the liability for causing harm is insured due to the fact that its insurance is mandatory, and also in other cases stipulated by the law or an insurance contract of such liability, the person for whose benefit the contract of insurance is deemed to be concluded has the right to present directly to the insurer the requirement compensation for damage within the insured amount.
References to other articles of chapter 48. Insurance: