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ตามคู่มือตีความกรมธรรม์ประกันภัยรถยนต์ ในหมวดการคุ้มครองความรับผิดต่อบุคคลภายนอก การคุ้มครองตามหมวดนี้มีหลักคือ ประกันภัยจะรับผิดของผู้เอาประกันภัยที่มีต่อบุคคลภายนอก โดยจะรับผิดในกรณีที่อุบัติเหตุเกิดจากรถที่ใช้ รถที่อยู่ในทาง สิ่งที่บรรทุกหรือติดตั้ง
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