based on the provisions of the Civil Code, the principle according to which a person entitled to compensation in connection with the event covered by the liability insurance, may assert a claim directly from the insurer. Actio directa facilitates and accelerates the redress especially in case of the universal risks. It is normally used, for example,in the MTPL insurance, where almost always the victim is the one who reportes his claim directly to the insurer responsible for that damage.