Cabinet of Ministers Regulations No. 204 (31.9 §) rules on road transport owners civil liability compulsory insurance premiums and the insurer's liability limit issued in accordance with the Cabinet of Ministers Act article 14 machine (3) i. General questions 1. These rules determine the order in which the calculated ground vehicle (hereinafter referred to as "vehicles") insurance against civil liability in respect of the insurance (hereinafter referred to as "insurance") and the liability of the insurer the premium thresholds.
2. the terms used in the rules: 2.1 the insurer's liability limit — the maximum claims payable;
2.2. insurance claims — the amount of money paid for damages;
2.3. insurance: the base tariff rate gross monetary terms of the sum insured per year, calculated on the basis of all insurance-related costs and other expenses associated with them, and to the full year, the number of insured vehicles;
2.4. the receipts of insurance: the insurance year base tariff, which applies to vehicle type concerned, taking account of the vehicle belonging to the natural or legal person, its use and place of registration;
2.5. insurance the pension-payment by insurers regularly pay in a road traffic accident victim in connection with the person's permanent capacity loss or the persons concerned in connection with a road accident deaths in survivor's death;
2.6. insurance premium payment for insurance,;
2.7. insurance tariff: the gross rate in money terms or as a percentage of the sum insured per year or other period of time. Insurance tariff meets the price laid down for the provision of insurance services in accordance with the concluded insurance contracts.
II. limits of liability of the insurer 3. Road traffic accident damage include: 3.1. property damage;
3.2. the person for damages.
4. If you have suffered damage to property: 4.1 vehicle damage or destruction in the event of insurance claims may not exceed the actual value of the vehicle before the insurance case, as well as the insurer's liability limit: 3000 lats. Within the limit of liability of the insurer also includes the owner of the vehicle road traffic accident damage related to the rescue of the victims and the aiztransportēšan of the vehicle from a road traffic accident;
4.2. Road, the road of structures and damage to or destruction of buildings in the case of the insurance compensation may not exceed the actual value of the object before the accident, as well as the insurer's liability limit: 500 lats;
4.3. the victim of damage or destruction of property in the case of the insurance compensation may not exceed the actual value of the property before the accident, as well as the insurer's liability limit — 200 lats;
4.4 third-party property damage, t.sk. also, the nature of the loss suffered, insurance reimbursement may not exceed the actual value of the object before the accident, as well as the insurer's liability limit: 500 lats;
4.5. in all the cases referred to in this paragraph does not cover the claims do not direct damages.
5. Road traffic accident damages caused to be reimbursed to the extent that the insurer's liability shall not exceed the limit. Only reimburses road accident suffered actual physical damage: 5.1 the injured party, which are caused by road traffic accidents — in full;
5.2. the injured party, which are partly to blame for a road traffic accident, according to the fault of the other party.
6. The Person damage includes loss due to the victim: 6.1. treatment;
6.2. temporary incapacity;
6.3. permanent loss of capacity;
6.4. permanent disability or disfigurement;
6.5. death.
7. the total liability of the insurer's limit because of the victim's treatment, temporary disability, permanent disability or disfigurement, or death to the victim — 2000 lats for each victim, t.sk. funeral expenses: 500 dollars for every road accident killed a person.
8. insurance pensions are determined as follows: 8.1 the costs due to road traffic accident victim suffered permanent loss of capacity for payment of the pension insurance the insurer's liability to a certain limit-500 dollars a year for each of the injured party;
8.2. the dead person for insurance dependants pensions cost the insurer's liability for certain limit — 500 million lats a year for every road accident killed a person.
9. insurance for dependents pension divided equally between the parties that a road accident deaths in the time of death of the person they were dependent.
III. the amount of the insurance premiums and the procedure for calculation thereof 10. Insurance premium calculation about procedures is mandatory for all insurers who have received the appropriate type of insurance licenses and insurance operations.
11. Calculation of insurance premiums for the year, all types of vehicles are suitable for a single insurance base. Using the insurance base tariff, calculate the annual insurance receipts for the types of vehicles under the ownership of the vehicle (the natural or legal persons owned vehicles), its use (in the individual use of natural persons and legal persons in the use of existing vehicles used for hire or reward) and registration (annex 1).
12. in the light of the level of risk of road traffic and vehicle quantities, the territory of the Republic of Latvia the following coefficients: 12.1 in the city — the factor 1.25;
12.2. the rest of the territory of the Republic of Latvia: the coefficient 1.13. Vehicle insurance rates (annex 2) is calculated by multiplying the basic insurance with a relevant factor.
14. The vehicle owner or the lawful possessor, who in the previous calendar year is not caused by road traffic accidents, in each of the next year, the basic amount of insurance is reduced (table 1).
 
table 1 number of years of insurance the basic reduction (%) ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ __ 1 2 2 3 3 4 4 5 5 6 6 7 7 15 8 20 9 25 10 30 11 40 12 50 15. the basic amount of insurance is reduced only if the previous calendar year, the insurance is in force no less than nine months.
16. The vehicle owner or the lawful possessor, who in the previous calendar year has caused a traffic accident or during this period led by a vehicle while on alcoholic beverages or narcotic, psihotoksisk or other intoxicating substances, next year the receipts of insurance is increased (table 2).
table 2 traffic accidents per year insurance receipts increase (%)
and over 100 17 1 20 2 50 3 70 4. Legal persons in paragraph 11 of these rules in the order is determined by the increase of the basic amount of insurance specific to each vehicle.
18. If the insurer issuing a policy of insurance, incorrectly identified the amount of the insurance premiums, it unduly increasing, the insurer must refund the excess to the policyholder the insurance premium. If the insurance premium is unduly reduced, the policyholder must pay not paid in insurance premiums.
19. Insurance premiums are intended to reduce the following categories of citizens: 19.1. Group I and II invalids — discount 40%;
19.2. the disability for which the vehicle serves as a means of movement and body movement, founded by the health and integrity of the expertise of the Commission's opinion, the doctor — discount 40%.
20. The rules referred to in point 19 discounts apply where disability cover no more than one vehicle, and it shall be determined, taking into account the specific insurance the basic size.

21. the maximum discount on any one vehicle to the vehicle owner or the lawful possessor shall not be greater than 50% of the required insurance receipts.
22. If the insurance contract or the contract package is closed for more than three months, the calculation of insurance tariff for the period in question, for each next month plus one month down the insurance tariff.
23. During the year the applicable insurance receipts shall be calculated in accordance with the classification of vehicles (annex 3).
IV. final question 24. Regulations shall enter into force by January 1, 1997.
Prime Minister, Minister for education and science, the Deputy Prime Minister m. grīnblats Finance Minister Kreitus A.G. in Riga on 11 June 1996, annex 1 in the Cabinet of Ministers of 11 June 1996, regulations No 204 motor insurance against civil liability in respect of the basic compulsory insurance for road vehicle insurance against civil liability in respect of the insurance payment amount is calculated by following the Basic (ls): 1. If the passenger cars and vans, in which the number of seats (without driver) not more than eight seats in and on their base built vehicles are: 1.1. natural person individual use no BC vehicle type full Vehicle mass (kg) the receipts for the year up to 1200 1 VA1 VA2 1,067 44.6 2.-1550, 1551-3 VA3 50.4 1800 to 1801 55.0 VA4 4-2100, 2101-5.57.9 VA5 2600 61.4 6. above 2600 65.5 VA6 1.2. usage of legal persons or for commercial use no BC vehicle type full Vehicle mass (kg) the receipts for the year 1.2.3.4.5.6.
VA1K up to 1200-1550 VA3K VA2K 1201 61.4 67.2 1551-1800 1801-2100 VA5K VA4K 72.4 75.9 2101-2600 2600 83.4 79.9 VA6K above the 2. If the trucks and on their base built vehicles are: 2.1 natural persons in the individual vehicle type to use the full mass (kg) the receipts for the year up to 3500 66.6 KR1 2.2. usage of legal persons or for commercial use no BC vehicle type full Vehicle mass (kg) the receipts for the year 1.          KR1K up to 3500 83.4 2.          3501-KR2K 12000 85.1 3.          KR3K 12001-20000 91.5 4.          KR4K 20001-26,000 94.4 5.          26001-30000 101.4 KR5K 6.          Over 30,000,108.9 no KR6K vehicle vehicle Standard p. k. a type of full mass (kg) year 1 to 1200 VA1 VA2 1,067-44.6 2.1550 50.4 3. If the buses and on their base built vehicles are: 3.1 physical person in the individual vehicle type to use the full mass (kg) the receipts for the year AT1 to 3500 70.1 3.2. usage of legal persons or for commercial use no p. k. Vehicle type full Vehicle mass (kg) the receipts for the year AT1K 1 To 3500 3501-83.4 AT2K 2 12000 86.9 3. AT3K 12001-20000-26000 94.4 AT4K 20001 4 5 AT5K over 26,000,109.5 103.1.4. If motorcycles, scooters and on their base built vehicles are: 4.1 physical persons in the individual use no p. c. Type of vehicle Engine capacity (cm3) Receipts for the year up to 12.2 1 MO1 MO2 175 of 176-500 2 3 above 15.6 MO3 19.1 MO4 4 500 with sidecar 17.4 4.2. use of legal persons or for commercial use: no p. c. Type of vehicle Engine capacity (cm3) Receipts for the year up to 14.5 MO1K 1 175 MO2K 176-500 2 3. MO3K over 500 17.4 20.3 4. MO4K with sidecar 22.0
5. If the technical is natural and legal persons to use no p. k. Vehicle type full Vehicle mass (kg) the receipts for the year 1 PG0N 2 TR0N tractors of 18.5 24.9 Pašgājējtehnik 6. If the trailer is: 6.1. natural person individual usage type trailer type receipts for the year of PV0 car trailer 7.0 6.2. use of legal persons or for commercial use no p. c. type trailer trailer type receipts for the year 1 PV0K car trailer 8.7 2. PK0K truck trailer PC0K trailer 3-26.1 tank 40.5 4. PT0K implements trailer 7 6.4. If the trams and trolley buses is in the use of legal persons no p. c. Type of vehicle type of vehicle for the year 1 receipts TA0K trams TJ0K 2 trolleybus 161.3 161.3 8. If a foreign registered vehicles are physical and legal persons use no p. c. Type of vehicle type of vehicle for the year 1 receipts (A) (B) 94 2 passenger cars motorcycles trucks 24 3 C 122 4. E buses 124 5. F truck trailer F1 cars 42 6. trailer 12 Finance Minister annex 2 A.G. Kreitus Cabinet 11 June 1996 Regulations No 204 motor insurance against civil liability in respect of the insurance tariff is determined following a ground vehicle owners civil liability compulsory insurance tariffs (in LCY) in the period concerned: 1. If the passenger cars and vans, in which the number of seats (without driver) not more than eight seats, and on their base built vehicles are: 1.1. natural person individual use no BC vehicle type of vehicle mass (kg) tariff a tariff in the Republic in Riga for three months for each next month for three months a year for each year of the next month up to 1200 1 VA1 VA2 1,067-13.5 4.5 44.6 16.8 5.6 55.7 2.1550, 1551 15 3 VA3 5.0 50.4 18.9 6.3 63.0-1800
4. in 1801 VA4 16.5 5.5 55.0 20.7 6.9 68.8-2100, 2101-5 17.4 5.8 57.9 21.6 7.2 72.4 VA5 2600 18.3 6.1 61.4 23.1 7.7 76.7 6. above 2600 19.8 6.6 65.5 24.6 8.2 81.8 VA6 1.2. usage of legal persons or for commercial use no BC vehicle type of vehicle mass (kg) tariff a tariff in the Republic in Riga for three months for each next month for three months a year for each following month year VA1K 1 To 2. VA2K 1201-18.3 6.1 61.4 23.1 7.7 76.7 1200 1550 20.1
3. VA3K 6.7 67.2 25.2 8.4 84.0 1551-1800 1801-2100 21.6 7.2 72.4 27.3 9.1 90.5 4. VA4K 5. VA5K 22.8 7.6 75.9 28.5 9.5 94.8 2101-2600 6. VA6K 30 10 24 8.0 79.9 99.9 over 2600 24.9 8.3 83.4 31.2 10.4 104.3 2. If the trucks and on their base built vehicles are: 2.1. natural person individual use vehicle type of vehicle mass (kg) full fare Tariff in the Republic in Riga for three months for each next month for three months a year for each year of the next month up to 3500 20.1 6.7 66.6 24.9 8.3 83.3 KR1 2.2. usage of legal persons or for commercial use no BC vehicle type of vehicle mass (kg) tariff a tariff in the Republic in Riga for three months for each next month for three months a year for each year of the next month  
1. KR1K up to 3500 24.9 8.3 83.4 31.2 10.4 104.3 2.   
3501-KR2K 12000 25.5 8.5 85.1 31.8 10.6 106.4 3.  
KR3K 12001-20000 27.6 9.2 91.5 34.2 11.4 114.4 4.  
KR4K 20001-26,000 28.2 9.4 94.4 35.4 11.8 118 5.  
KR5K-30000 30.3 10.1 101.4 38.1 12.7 126.7 26001 6.  
Over 30000 32.7 10.9 108.9 40.8 13.6 136.1 KR6K 3. If the buses and on their base built vehicles are: 3.1 physical person in the individual vehicle type of vehicle mass (kg) full fare Tariff in the Republic in Riga for three months for each next month for three months a year for each following month year AT1 to 3500 21 7 70.1 26.4 8.8 87.6 3.2. use of legal persons or for commercial use no BC vehicle type of vehicle mass (kg) tariff a tariff in the Republic in Riga for three months for each next month for three months a year for each following month year 1.
AT1K 3500 3501 To 24.9 8.3 83.4 31.2 10.4 104.3 AT2K 2-12000 26.1 8.7 86.9 32.7 10.9 108.6 3.   
AT3K 12001-20000-26000 28.2 9.4 94.4 35.4 11.8 118 4. AT4K 5. AT5K 20001 30.9 10.3 103.1 38.7 12.9 128.9 over 26000 33 11 109.5 41.1 13.7 136.8 4. If motorcycles, scooters and on their base built vehicles are: 4.1 physical persons in use up to 175 1 2 MO1 MO2 to 3.6 1.2 12.2 4.5 1.5 15.2 176-500 6 2.0 19.5 4.8 1.6 15.6 3.  
MO3 over 5.7 1.9 19.1 7.2 2.4 23.9 MO4 4 500 with sidecar 5.1 1.7 17.4 6.6 2.2 21.7 4.2. usage of legal persons or for commercial transport use 1. 
MO1K up to 175 4.5 1.5 14.5 5.4 1.8 18.1 2. 
MO2K 176-500 MO3K over 500 6 2 3 5.1 1.7 17.4 6.6 2.2 21.7 20.3 7.5 2.5 25.3 4. MO4K with sidecar 6.6 2.2 22 8.4 2.8 27.5 5. If implements is natural and legal persons to use no BC vehicle type of vehicle mass (kg) tariff a tariff in the Republic in Riga for three months for each next month for three months a year for each following month year 1. 
2. PG0N Pašgājējtehnik-TR0N tractors 7.5 5.7 2.5 1.9 24.9 18.5 9.3 6.9 3.1 2.3 31.1 23.2

6. If the trailer is: 6.1. natural person individual use of PV0 car trailer 2.1 0.7 7 2.7 0.9 8.7 6.2. use of legal persons or for commercial transport use 1. PV0K car trailer 2.7 0.9 8.7 3.3 1.1 10.9 2. 
PK0K truck trailer 7.8 2.6 26.1 9.9 3.3 32.6 3.  
PC0K trailer-tank 12.3 4.1 40.5 15.3 5.1 50.7 4. 
PT0K implements trailer 1.8 0.6 6.4 2.4 0.8 8 7. If the trams and trolley buses is in the use of legal persons 1.   
TA0K trams 48.3 16.1 161.3 60.6 20.2 201.6 2.   
TJ0K trolley buses 48.3 16.1 161.3 60.6 20.2 201.6 8. If a foreign registered vehicles are physical and legal persons use no BC vehicle type of vehicle mass (kg) rated 15 days per month Tariff for each next month Tariff for the year passenger cars 1a 7.45 94 2 7 12 3 5 24 3 B motorcycles 1.75. C trucks 9.75 122 4 9 15 12 18 buses 9.65 124 5. E. F truck trailer 4 6 42 6 3.25. F1 car trailer-3 4 12 Finance Minister 0.75 Kreitus for A.G.
 
3. pielikurn of the Cabinet of Ministers of 11 June 1996, regulations No 204 vehicles classification 1. Passenger cars, vans, in which the number of seats (without driver) not more than eight seats, and on their base built vehicles to be broken down into the following groups: 1.1 vehicles with a laden weight of up to 1200 kg;
1.2. vehicles with a laden weight of up to 1550 kg 1201;
1.3. vehicles with a laden weight up to 1800 kg from 1551;
1.4. vehicles with a laden weight of 2100 kg from 1801 to have;
1.5. vehicles with a laden weight of up to 2600 kg 2101;
1.6. vehicles with a laden weight of over 2600 kg.
2. Trucks and on their base built vehicles to be broken down into the following groups: 2.1. vehicles with a laden weight of up to 3500 kg;
2.2. vehicles with a laden weight of up to 12000 kg; 3501
2.3. vehicles with a laden weight of up to 20000 kg 12001;
2.4. vehicles with a laden weight is from 20001 to 26000 kg;
2.5. vehicles with a laden weight of up to 30000 kg 26001;
2.6. vehicles with a laden weight of over 30000 kg.
3. Bus and on their base built vehicles to be broken down into the following groups: 3.1. vehicles with a laden weight of up to 3500 kg;
3.2. vehicles with a laden weight of up to 12000 kg; 3501
3.3. vehicles with a laden weight of up to 20000 kg 12001;
3.4. vehicles with a laden weight is from 20001 to 26000 kg;
3.5. vehicles with a laden weight of over 26000 kg.
4. Motorcycles, scooters and on their base built vehicles to be broken down into the following groups: 4.1 to 175 cm3;
4.2. from 176 to 500 cm3;
4.3. over 500 cm3;
4.4. with a sidecar.
5. Technical breaks the following groups: 5.1 tractors;
5.2. pašgājējtehnik.
6. the following trailer may be divided into groups: 6.1. trailer cars;
6.2. truck trailers;
6.3. trailer-tanks;
6.4. implements the trailer.
7. the trams and trolley buses.
The Finance Minister is Kreitus A.G.