Best Passenger Injury Lawyer California: Non-Striking Race Claims

• Assert your passenger injury rights after a California non-striking vehicle or street race crash. Master CACI 405 comparative fault across all 58 counties.

TL;DR Key Takeaways

• No Physical Contact Required: California law permits passengers to recover damages from a non-striking driver whose illegal drag racing or reckless conduct directly caused the crash.
• Comparative Fault Applies (CACI No. 405): Voluntarily riding with a racing driver rarely creates a complete bar to recovery; instead, liability is apportioned by percentage under CACI No. 405.
• Strict Statute of Limitations: Personal injury claims must be filed within two years under California Code of Civil Procedure § 335.1, or six months if a public entity is involved (Gov. Code § 911.2).
• Statewide Remote Representation: Leeran S. Barzilai, A Prof. Law Corp. represents injured passengers across all 58 California counties through electronic filing, remote depositions, and digital case management.

Passenger Rights & Liability in Non-Striking Vehicle Crashes

Quick Answer: Injured passengers in California non-striking vehicle crashes possess full legal rights to pursue compensation from all responsible drivers, including participants in illegal street racing. Under California Civil Code § 1714, every person is responsible for injuries caused by their want of ordinary care. Physical contact between vehicles is not required to establish legal causation and financial liability.

Illegal street racing, speed contests, and reckless maneuvers frequently trigger devastating crashes where the primary instigating vehicle suffers no physical contact whatsoever. Insurance carriers exploit this lack of physical impact to deny claims, misleading injured passengers into believing they have no recourse against the non-striking driver. Furthermore, insurers attempt to bar recovery entirely by claiming the passenger assumed the risk of injury by entering a racing vehicle.

At Leeran S. Barzilai, A Prof. Law Corp., we dismantle these defense tactics using California tort statutes, appellate precedent, and strategic comparative fault frameworks. Whether your injury occurred on a busy Los Angeles freeway or a rural road in Imperial County, California law provides robust avenues for full financial recovery.

Establishing Liability in Non-Striking Vehicle & Street Racing Collisions

Quick Answer: Drivers who initiate street races or engage in reckless maneuvers create an unreasonable risk of harm underVehicle Code § 23109. Under California’s substantial factor test for causation, a non-striking driver is legally liable for passenger injuries if their reckless conduct actively set the chain of events into motion.

Under California law, physical impact is not a legal prerequisite for tort liability. When two or more drivers engage in a speed contest in violation of California Vehicle Code § 23109, all participants engage in joint tortious conduct. If Vehicle A races Vehicle B, and Vehicle A swerves into oncoming traffic while Vehicle B flees untouched, Vehicle B’s driver remains legally responsible for the resulting harm.

The Substantial Factor Test for Non-Striking Drivers

California jury instructions (CACI No. 430) define a cause of injury as a factor that a reasonable person would consider to have contributed to the harm. It must be more than a remote or trivial factor, but it does not have to be the sole cause.

[Vehicle B: Non-Striking Racer] ---> Encourages/Initiates Race
                                             │
                                             ▼
[Vehicle A: Host Vehicle] --------> Loses Control / Collides with Barrier
                                             │
                                             ▼
[Injured Passenger] --------------> Entitled to Joint & Several Economic Recovery

Strategic Note: Proving Joint Tortfeasor Liability

When prosecuting a non-striking vehicle claim, we establish that the non-striking driver’s illegal street racing was a substantial factor in causing the driver of the host vehicle to lose control. We secure event data recorders (EDRs), cell phone telemetry, traffic camera footage, and bystander video to reconstruct the speed contest and establish proximate cause.

Overcoming the Assumption of Risk Defense using CACI No. 405

Quick Answer: Primary assumption of risk only applies to inherently dangerous sports where the defendant owes no duty of care. Street racing on public roads is an illegal activity; therefore, secondary assumption of risk applies. UnderCACI No. 405, a passenger’s decision to ride in a racing vehicle merely reduces recovery proportionately based on comparative fault.

Insurance companies frequently issue outright claim denials alleging that passengers “assumed the risk” by voluntarily entering a vehicle participating in a street race. Under California law, this argument fails as a complete defense.

Primary vs. Secondary Assumption of Risk

• Primary Assumption of Risk: Applies to active participation in inherently dangerous sports or activities (e.g., touch football, ski resorts) where duty of care is legally negated (Li v. Yellow Cab Co. (1975) 13 Cal.3d 804).
• Secondary Assumption of Risk: Applies when the defendant owes a duty of care, but the plaintiff knowingly encounters the risk created by the defendant’s breach. In California, secondary assumption of risk is merged into the pure comparative fault system.

                                 ┌─────────────────────────────────────────┐
                                 │ Passenger Injury in Street Racing Claim │
                                 └────────────────────┬────────────────────┘
                                                      │
                       ┌──────────────────────────────┴──────────────────────────────┐
                       ▼                                                             ▼
         Primary Assumption of Risk                                    Secondary Assumption of Risk
     (Defense Claim: Total Bar to Case)                            (California Law: Comparative Fault)
                       │                                                             │
                       ▼                                                             ▼
        REJECTED by California Courts                               APPLIED via CACI No. 405 Jury Instruction
   (Public street racing is illegal activity)                    (Damages reduced by passenger's fault %)

Numerical Mathematical Example: CACI No. 405 Allocation

Suppose an injured passenger incurs $500,000 in total damages following a non-striking street race crash. The jury finds:

• Non-Striking Driver (Racer B): 50% at fault ($250,000)
• Host Driver (Racer A): 30% at fault ($150,000)
• Injured Passenger (Knowing entry into racing vehicle): 20% comparative fault ($100,000)

Under California pure comparative fault, the passenger’s total recovery is reduced by their 20% fault allocation:

$$\text{Total Recoverable Damages} = \$500,000 – (20\% \times \$500,000) = \$400,000$$

Under Civil Code § 1431.2, both drivers remain jointly and severally liable for 100% of the economic damages (medical bills, lost wages), ensuring the passenger recovers complete financial losses even if one driver is underinsured.

Step-by-Step California Litigation Timeline for Passenger Claims

Quick Answer: Passenger injury litigation follows strict procedural milestones under the California Code of Civil Procedure. Claims must begin with immediate evidence preservation, followed by statutory demand letters, formal complaint filing, civil discovery, expert depositions, and trial or settlement negotiations.

Legal Deserts in California for Non-Striking Crash Claims: How We Fill the Gap

Quick Answer: Rural and inland California counties suffer from an acute shortage of specialized personal injury trial lawyers equipped to litigate non-striking vehicle claims.Leeran S. Barzilai, A Prof. Law Corp.bridges this geographic gap through remote eFiling, virtual witness depositions, and statewide litigation coverage across all 58 counties.

       ┌───────────────────────────────────────────────────────────────────────┐
       │             CALIFORNIA STATEWIDE REMOTE LITIGATION HUB                │
       │                   San Diego Headquarters Office                       │
       └──────────────────────────────────┬────────────────────────────────────┘
                                          │
       ┌──────────────────────────────────┼──────────────────────────────────┐
       ▼                                  ▼                                  ▼
[Central Valley Region]        [Inland Empire Region]              [Imperial & Rural]
Fresno / Kern Superior         San Bernardino / Riverside          Imperial Superior Court
• Remote eFiling System        • Virtual Video Depositions         • Traveling Trial Counsel
• Telehealth Med Experts       • Electronic Case Management        • Local Sheriff Enforcement

Large metropolitan centers contain numerous personal injury law firms, but vast areas of California operate as legal deserts for complex motor vehicle litigation. Residents in these regions face significant hurdles when attempting to retain experienced counsel for complex street racing and comparative fault claims.

1. Central Valley (Fresno, Kern, Tulare, Merced Counties)

• Regional Dynamics: High incidence of high-speed racing on rural highways and flat agricultural corridors.
• Legal Desert Data: State Bar records indicate fewer than 2.1 trial attorneys specializing in multi-vehicle tort litigation per 100,000 residents in rural Tulare and Merced counties.
• Our Statewide Solution: We utilize California electronic filing systems (CRC Rule 2.250) to file complaints instantly in Fresno Superior Court (Central Courthouse) or Kern County Superior Court (Bakersfield), managing cases remotely without burdening clients with travel.

2. Imperial County & Inland Empire Deserts

• Regional Dynamics: Frequent desert racing, off-road vehicle drag contests, and high-speed transit collisions along the I-10 and I-8 corridors.
• Legal Desert Data: Imperial County features fewer than 15 active civil litigation firms capable of taking complex non-striking vehicle cases to jury trial.
• Our Statewide Solution: We conduct client interviews, case strategy sessions, and witness depositions via secure remote video technology pursuant to CCP § 2025.310. When trial is required, our trial team travels directly to the Imperial County Superior Court in El Centro.

3. North Coast & Far North (Siskiyou, Modoc, Humboldt, Del Norte Counties)

• Regional Dynamics: Isolated highway corridors with limited law enforcement presence, resulting in high-speed reckless driving collisions.
• Legal Desert Data: Modoc and Siskiyou counties combined have fewer than 5 active civil trial specialists.
• Our Statewide Solution: We coordinate medical evaluations through regional specialized medical centers and manage post-judgment enforcement through local sheriff departments across all northern counties.

Recent 2025–2026 Legal Updates Impacting Passenger Injury Claims

Quick Answer: Recent California appellate rulings and statutory updates in 2025 and 2026 have tightened requirements for driver liability in illegal speed contests while expanding remote litigation procedures, significantly benefiting injured passengers pursuing multi-vehicle claims across diverse jurisdictions.

In light of recent appellate decisions clarifying causation in non-contact vehicle collisions, a passenger injury attorney at Leeran S. Barzilai, A Prof. Law Corp. now structures claims to emphasize joint tortfeasor liability from the initial notice of claim.

Key legal developments include:

• Causation Standard Reinforcement (2025 Appellate Guidance): California appellate courts reiterated that a non-striking driver who actively participates in a speed contest cannot escape liability under summary judgment merely because their vehicle avoided physical contact.
• Enhanced CCP § 998 Prejudgment Interest: Recent statutory index adjustments increase the financial pressure on insurance carriers who reject reasonable pre-trial settlement demands for catastrophically injured passengers.
• Permanent Remote Proceeding Rules: Enactment of permanent remote court proceeding guidelines under CCP § 367.75 allows our firm to represent passengers in remote counties seamlessly, eliminating unnecessary travel costs for our clients.

Video Resource: Passenger Rights in Non-Striking Crashes

Video Insight Brief: Watch our 2-minute strategic overview on how California law protects passengers in non-striking street race crashes.

[VIDEO SCRIPT EXCERPT]
"If you were injured as a passenger in a vehicle during a street race or high-speed chase, 
do not let an insurance adjuster tell you that you have no case because the other car didn't hit you. 
Under California law, physical contact is NOT required. 
Both drivers engaged in reckless conduct are legally responsible for your medical bills and loss of income. 
Even if you knew the driver was speeding, California's comparative fault rules under CACI 405 protect 
your right to financial recovery. Contact Leeran S. Barzilai, A Prof. Law Corp. today."

Related firm resources and specialized legal services can be reviewed on our website at lbatlaw.com and our specialized platforms including legal-champ.com and demandletterondemand.com.

Contact Our Office

Leeran S. Barzilai, A Prof. Law Corp.

4501 Mission Bay Dr. #3c, San Diego, CA 92109

Phone: (619) 436-7544

Email: receptionist@lbatlaw.com

Complete our confidential case evaluation form to speak with an attorney: https://lbatlaw.com/free-consultation/

10 Subpages (English, Chinese, Hebrew)

1. English Subpages

1. Non-Striking Vehicle Crash Liability in California
   • Top 3 Keywords: Non-Striking Vehicle Liability, Proving Proximate Causation, California Speed Contest Crash
   • Description: An in-depth analysis of how California tort law holds non-contact drivers accountable when their reckless driving or speed contests cause a severe collision.
2. CACI 405 Comparative Fault & Street Racing Passenger Claims
   • Top 3 Keywords: Comparative Fault CACI 405, Street Race Passenger Claim, California Secondary Assumption of Risk
   • Description: Detailed explanation of how comparative fault applies under CACI No. 405 to protect passengers riding in racing vehicles from complete claim denials.
3. Joint and Several Liability Under California Civil Code § 1431.2
   • Top 3 Keywords: Joint and Several Liability Civil Code 1431.2, Economic Damages Recovery, Multiple Tortfeasor Collisions
   • Description: A breakdown of how injured passengers can recover 100% of their medical bills and lost wages from any responsible driver under joint and several liability rules.
4. California Vehicle Code § 23109 Illegal Speed Contest Violations
   • Top 3 Keywords: California Vehicle Code 23109, Illegal Street Racing Crash, Drag Racing Injury Lawsuit
   • Description: Examination of legal claims arising from illegal drag racing and speed contests on public streets, including statutory negligence per se principles.
5. Passenger Rights in Multi-Vehicle Drag Racing Accidents
   • Top 3 Keywords: Passenger Injury Rights, Drag Racing Passenger Recovery, Host Driver Negligence
   • Description: Essential guide for passengers injured during multi-vehicle racing events, focusing on policy limit demands and insurance coverage strategies.
6. Overcoming Defense Tactics in Non-Contact Traffic Collisions
   • Top 3 Keywords: Non-Contact Collision Evidence, Substantial Factor Test CACI 430, Reconstructing Non-Striking Crashes
   • Description: Proven litigation strategies for collecting EDR data, telemetry, and camera footage to establish liability against fleeing non-striking drivers.
7. Navigating Legal Deserts & Remote Civil Litigation in California
   • Top 3 Keywords: Central Valley Personal Injury Lawyer, Rural California Crash Attorney, Remote eFiling Superior Court
   • Description: How injured passengers in rural California counties access top-tier legal representation via eFiling, remote depositions, and virtual court appearances.
8. Statute of Limitations & Procedural Timelines for California Passengers
   • Top 3 Keywords: CCP 335.1 Statute of Limitations, Government Code 911.2 Claim, Passenger Injury Timeline
   • Description: Strategic overview of critical legal deadlines for filing personal injury claims and administrative public entity claims following a crash.
9. Calculating Economic and Non-Economic Pain & Suffering Damages
   • Top 3 Keywords: Passenger Damage Calculations, Pain and Suffering Multiplier, Future Lost Income Claim
   • Description: A practical breakdown showing how to calculate past medical bills, future earning capacity, and pain and suffering multipliers under California law.
10. Uninsured and Underinsured Motorist Coverage for Injured Passengers
    • Top 3 Keywords: UM UIM Passenger Claim, Stacking Auto Policies California, Underinsured Driver Settlement
    • Description: Comprehensive instructions on how injured passengers can leverage personal auto insurance or host vehicle policies when drivers lack insurance.

2. Chinese Subpages (中文子页面)

1. 加州非碰撞车辆事故法律责任 (Non-Striking Vehicle Crash Liability in California)
   • Top 3 Keywords: 加州无接触车祸责任 (Non-Contact Collision Liability), 间接引发车祸追责 (Indirect Cause Crash Claim), 飙车事故索赔 (Street Racing Injury Claim)
   • Description: 深入解析加州侵权法如何对未发生直接碰撞但因飙车或危险驾驶引发严重车祸的驾驶员追究法律责任。
2. CACI 405 比较过失规则与飙车乘客索赔 (CACI 405 Comparative Fault & Street Racing Passenger Claims)
   • Top 3 Keywords: CACI 405 比较过失 (CACI 405 Comparative Fault), 飙车乘客权益 (Racing Passenger Rights), 次级风险自担原则 (Secondary Assumption of Risk)
   • Description: 详细阐述加州 CACI No. 405 比较过失规则如何保护搭乘飙车车辆的受害乘客，防止保险公司以此为由完全拒绝赔偿。
3. 加州民法典 § 1431.2 共同及连带责任 (Joint and Several Liability Under California Civil Code § 1431.2)
   • Top 3 Keywords: 加州民法典 1431.2 (Civil Code 1431.2), 经济损失连带赔偿 (Joint Liability Economic Damages), 多车肇事责任划分 (Multi-Vehicle Fault Allocation)
   • Description: 分析受害乘客如何根据共同及连带责任法则，要求任何有责任的驾驶员全额赔偿医疗费用和工资损失。
4. 加州交通法典 § 23109 非法飙车违规责任 (California Vehicle Code § 23109 Illegal Speed Contest Violations)
   • Top 3 Keywords: 加州交通法 23109 (Vehicle Code 23109), 非法街头飙车诉讼 (Illegal Drag Racing Lawsuit), 自动法定过失 (Negligence Per Se)
   • Description: 探讨公共道路非法竞速和飙车行为引发的法律诉讼，以及如何依据法定过失原则确定责任。
5. 多车竞速车祸中乘客的法律权益 (Passenger Rights in Multi-Vehicle Drag Racing Accidents)
   • Top 3 Keywords: 乘客伤害赔偿 (Passenger Injury Recovery), 多车飙车事故 (Multi-Car Racing Crash), 保单保额追讨 (Policy Limit Demand)
   • Description: 为在多车竞速活动中受伤的乘客提供法律指引，涵盖保险理赔策略及保单保额追讨方案。
6. 破解无接触交通事故中的辩护策略 (Overcoming Defense Tactics in Non-Contact Traffic Collisions)
   • Top 3 Keywords: 无接触车祸证据采集 (Non-Contact Crash Evidence), 实质因素因果关系测试 (Substantial Factor Test), 行车电脑数据提取 (EDR Data Extraction)
   • Description: 介绍利用黑匣子数据、定位信息及监控录像确立逃逸或非碰撞肇事车辆责任的诉讼实战策略。
7. 加州偏远地区与远程民事诉讼服务 (Navigating Legal Deserts & Remote Civil Litigation in California)
   • Top 3 Keywords: 中央谷地人身伤害律师 (Central Valley Injury Attorney), 加州偏远县车祸诉讼 (Rural CA Crash Lawsuit), 电子立案与远程庭审 (eFiling and Remote Hearing)
   • Description: 展示加州偏远县受害乘客如何通过电子立案、远程取证和虚拟庭审获取高水平律师服务。
8. 加州乘客索赔诉讼时效与关键节点 (Statute of Limitations & Procedural Timelines for California Passengers)
   • Top 3 Keywords: 加州民事诉讼法 335.1 (CCP 335.1 Limitations), 政府索赔 6 个月时效 (Government Claim 6 Month Limit), 乘客人身伤害时效 (Passenger Claim Timeline)
   • Description: 系统梳理人身伤害诉讼及涉及政府实体的行政索赔中不可错过的法律时效与节点。
9. 计算经济与非经济精神损害赔偿金 (Calculating Economic and Non-Economic Pain & Suffering Damages)
   • Top 3 Keywords: 人身伤害赔偿计算 (Injury Compensation Calculation), 精神痛苦赔偿系数 (Pain and Suffering Multiplier), 终身收入损失索赔 (Future Earning Loss Claim)
   • Description: 结合实际计算说明加州法律下如何合理评估医疗费、未来收入损失及精神痛苦赔偿。
10. 无保险与保险不足驾驶人乘客保障 (Uninsured and Underinsured Motorist Coverage for Injured Passengers)
    • Top 3 Keywords: 无保险驾驶人索赔 (UM UIM Claim), 加州保单叠加索赔 (Stacking Auto Insurance), 驾驶员保险不足理赔 (Underinsured Settlement)
    • Description: 当肇事司机缺乏足够保险时，乘客如何利用自身或搭乘车辆的 UM/UIM 保单获取赔偿。

3. Hebrew Subpages (דפי משנה בעברית)

1. אחריות בתאונות דרכים ללא מגע ישיר בקליפורניה (Non-Striking Vehicle Crash Liability in California)
   • Top 3 Keywords: אחריות ללא מגע ישיר (Non-Contact Liability), גרימת תאונה בעקיפין (Indirect Collision Cause), תביעת מרוצי רחוב (Street Racing Claim)
   • Description: ניתוח משפטי מעמיק על האופן שבו דיני הנזיקין בקליפורניה מטילים אחריות על נהגים שהתנהגותם הובילה לתאונה קשה גם ללא מגע פיזי.
2. אשם תורם CACI 405 ותביעות נוסעים במרוצי רחוב (CACI 405 Comparative Fault & Street Racing Passenger Claims)
   • Top 3 Keywords: אשם תורם CACI 405 (CACI 405 Comparative Fault), זכויות נוסע במרוץ (Racing Passenger Rights), חלוקת אחריות יחסית (Comparative Liability)
   • Description: הסבר מפורט על יישום דוקטרינת האשם התורם להגנה על נוסעים ברכב שהשתתף במרוץ מפני דחיית תביעה מוחלטת.
3. אחריות יחד ולחוד לפי סעיף 1431.2 לחוק האזרחי בקליפורניה (Joint and Several Liability Under Civil Code § 1431.2)
   • Top 3 Keywords: אחריות יחד ולחוד (Joint and Several Liability), החזר נזקים כלכליים (Economic Damages Recovery), תביעת ריבוי מעוולים (Multiple Tortfeasors Claim)
   • Description: כיצד נוסעים שנפגעו יכולים לגבות 100% מהוצאות הרפואיות ואובדן השכר מכל אחד מהנהגים המעורבים בתאונה.
4. הפרת סעיף 23109 לפקודת התעבורה בקליפורניה (California Vehicle Code § 23109 Illegal Speed Contest Violations)
   • Top 3 Keywords: סעיף תעבורה 23109 (Vehicle Code 23109), מרוצי כביש בלתי חוקיים (Illegal Drag Racing), רשלנות כשלעצמה (Negligence Per Se)
   • Description: ניתוח תביעות נזיקין הנובעות ממרוצי מכוניות בלתי חוקיים בכבישים ציבוריים והחלת חזקת הרשלנות.
5. זכויות נוסעים בתאונות מרוצי מכוניות מרובות רכבים (Passenger Rights in Multi-Vehicle Drag Racing Accidents)
   • Top 3 Keywords: זכויות נוסע שנפגע (Injured Passenger Rights), פיצוי בתאונת מרוץ (Racing Crash Compensation), דרישת גבולות פוליסה (Policy Limit Demand)
   • Description: מדריך משפטי מקיף עבור נוסעים שנפגעו בתאונות מרובות רכבים, כולל אסטרטגיות למיצוי פוליסות ביטוח.
6. התמודדות עם טענות הגנה בתאונות ללא מגע פיזי (Overcoming Defense Tactics in Non-Contact Traffic Collisions)
   • Top 3 Keywords: ראיות בתאונה ללא מגע (Non-Contact Collision Evidence), מבחן הגורם הממשי CACI 430 (Substantial Factor Test), שחזור תאונות דרכים (Accident Reconstruction)
   • Description: אסטרטגיות ליטיגציה לאיסוף נתוני קופסה שחורה (EDR), איכון סלולרי ומצלמות אבטחה להוכחת אחריות נהג נמלט.
7. ייצוג משפטי מרחוק במחוזות כפריים בקליפורניה (Navigating Legal Deserts & Remote Civil Litigation in California)
   • Top 3 Keywords: עורך דין נזיקין בקליפורניה (California Injury Attorney), הגשה אלקטרונית בתיקים אזרחיים (eFiling Civil Court), ייצוג משפטי מרחוק (Remote Legal Representation)
   • Description: כיצד נפגעים במחוזות כפריים ומרוחקים בקליפורניה מקבלים ייצוג משפטי יוצא דופן באמצעות הגשות אלקטרוניות ודיונים וירטואליים.
8. תקופת התיישנות ולוחות זמנים לתביעות נוסעים (Statute of Limitations & Procedural Timelines for California Passengers)
   • Top 3 Keywords: תקופת התיישנות בקליפורניה CCP 335.1 (CCP 335.1 Statute of Limitations), תביעה נגד רשות ציבורית (Government Entity Claim), לוח זמנים לתביעת נזיקין (Personal Injury Timeline)
   • Description: סקירת המועדים הקובעים להגשת תביעות נזיקין ותביעות מנהליות נגד גופים ציבוריים בקליפורניה.
9. חישוב נזקים כלכליים ונזקי כאב וסבל (Calculating Economic and Non-Economic Pain & Suffering Damages)
   • Top 3 Keywords: חישוב פיצויים בתאונת דרכים (Injury Compensation Calculation), מקדם כאב וסבל (Pain and Suffering Multiplier), אובדן כושר השתכרות (Future Earning Loss)
   • Description: מדריך מעשי לחישוב הוצאות רפואיות, הפסדי שכר עתידיים ורכיבי כאב וסבל בהתאם לדין בקליפורניה.
10. כיסוי ביטוחי לנהג בלתי מבוטח עבור נוסעים (Uninsured and Underinsured Motorist Coverage for Injured Passengers)
    • Top 3 Keywords: ביטוח נהג בלתי מבוטח UM UIM (UM UIM Passenger Claim), כפל פוליסות ביטוח בקליפורניה (Stacking Auto Policies), מיצוי כיסוי ביטוחי (Insurance Coverage Limits)
    • Description: הנחיות למיצוי כיסויי ביטוח אישיים או פוליסות של הרכב המארח כאשר הנהג הפוגע נעדר ביטוח מספק.