Judicial principles and studies
Vehicle falling on person during wheel fitting — scope of compulsory insurance coverage
A brief summary explaining criteria for covering a vehicle fall onto a person during wheel replacement under compulsory insurance, distinguishing spontaneous falls from those resulting from the injured party's act.
Updated: 10 September 2026
Prepared and reviewed by: Ashraf Al-Khawaja
Subject
The case concerns a vehicle falling onto the plaintiffs' decedent while he was beneath it fitting a wheel after lifting the vehicle with a jack. The official points assess whether this scenario qualifies as a covered accident under the compulsory insurance regime.
Summary
- Where the fall resulted from the vehicle's movement and self-propulsion, and there is no evidence attributing fault to the decedent or any other person, and both the officer's report and the public prosecutor's decision found no criminal suspicion, the official points treat the incident as falling within the meaning of a covered accident under Article (2) of the compulsory insurance regulation—even if the vehicle was not in conventional motion. - A referenced decision about a fall caused by the injured person's own act is distinguished: that fall was not a spontaneous vehicle collapse but resulted from the injured's conduct, and it occurred while regulation No. (32) of 2001 was in force, affecting whether the injured counted as one of the "third parties." - Referring to the broadened concepts in compulsory insurance regulation No. (12) of 2010 and to a cited distinguishing, the official points conclude that a vehicle falling on the decedent while he entered beneath it after jacking and during wheel preparation and mounting constitutes a spontaneous vehicle fall and an accident covered by Article (2) of regulation No. (12) of 2010.
Practical significance
- Findings in the police report and the prosecutor's decision (absence of criminal suspicion) are relevant to whether the incident meets coverage conditions when no fault is shown. - Distinguishing spontaneous falls from falls produced by the injured person's act affects whether the injured is treated as a "third party," with consequences for coverage scope. - The expanded definition of accident and injured parties in regulation No. (12) of 2010 may render such incidents eligible for compensation under compulsory insurance. This is a general educational summary of the official points and does not constitute judicial text or legal advice.
Sources and references
Verify the official text and latest amendments before relying on this material professionally.