Additions to auto accident rules ease insurersâ responsibilities 14:04 | 03/02/2021 Additions to auto accident rules ease insurersâ responsibilities The government has issued Decree No.03/2021/ND-CP on compulsory insurance for civil liability of motor vehicle owners, which will come into effect from March 1. The main focus of the decree is the addition of cases in which insurances can refuse to compensate for. Along with seven existing regulations, insurers will no longer indemnify for damage if accident-causing vehicle drivers have alcohol levels in their blood or on their breath, or if they have been found to have used banned drugs. Tran Nguyen Dan, director of the Institute of Insurance and Financial Risk Management said that he agreed on updates, which should contribute to lowering incidents involving drugs and alcohol in traffic.