Indemnity insurance - it's in the insurance business (by way of guarantee and PAYG) compensation, the obligation lies with the insurer. Based compensation is an insurance contract as defined in Art. 805 of the Civil Code entered into voluntarily or execution of a statutory (see, eg, Act of 22 May 2003 on Compulsory Insurance).
Compensation insurance for liability principal, outside of material injury (damnum emergens) includes loss of profits (damage sustained), and damage to the person can also include compensation for the damage suffered.
Assistance in obtaining insurance compensation provides the Insurance Ombudsman, under the Act of 22 May 2003 on the supervision of insurance and pensions and the Insurance Ombudsman. Help can also be found in commercial insurance consultancy offices.
