(1) A person who has not reached the age of seven is not responsible for damage caused to another person.
(2) A person who has reached the age of seven but not the age of 10 is not responsible for damage that they inflict on another party in an accident involving a motor vehicle, a railway or a suspension railway. This does not apply if they intentionally brought about the injury.
(3) A person who has not yet attained the age of 18 is not responsible, to the extent that their responsibility is not excluded under subsection (1) or (2), for damage they inflict on another person if, when committing the damaging act, they do not have the insight required to recognise their responsibility.