Zobowiązanym do zawarcia ubezpieczenia OC posiadaczy pojazdów mechanicznych jest posiadacz pojazdu (samoistny lub zależny) – najpóźniej z dniem rejestracji pojazdu. W określonych okolicznościach obowiązek ten spoczywa też na kierującym pjazdem, np.:
– posiadacz lub kierujący pojazdem zobowiązani są do zawaria ubezpieczenia przed rejestracją pojazdu – z chwilą wprowadzenia go do ruchu,
– posiadacz lub kierujący pojazdem historycznym i wolnobieżnym – z chwilą wprowadzenia pojazdu do ruchu,
– posiadacz lub kierujący pojazdem zarejestrowanym za granicą – z chwilą wprowadzenia pojazdu do ruchu na terytorium Polski.
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