There are no regulations on the minimum guaranteed amount for municipal liability insurance.

A recent case highlighted the inadequacy of insurance coverage for a municipality after a McLaren was damaged due to poor road conditions, resulting in a compensation claim of 450,000 PLN. The municipality's insurance policy was insufficient, forcing it to cover the shortfall from its budget. Experts indicate that many municipalities opt for voluntary insurance with varying coverage limits, often influenced by budget constraints rather than thorough risk assessments. As repair costs rise, especially for premium vehicles, the risk of exhausting insurance limits increases. There are calls for legislative changes to establish minimum insurance requirements for municipalities to better manage such risks.