The rules of automobile liability for damage directly affect automobile liability insurer’s obligations towards third parties. The first part of the paper gives an overview of legal provisions governing liability for damage caused by motor vehicles in operation with respect to Croatian Law. Th e article discusses the issue of special prerequisites to automobile liability for damage (car accident, motor vehicle, the operation of motor vehicle), as well as the rules of the motor vehicle owner’s liability towards third parties and, in case of a car crash, towards other owners of motor vehicles. Special attention is given to the category of damaged third parties. At the end, the paper gives an overview of some rules of automobile liability for damage in selected comparative legal systems.