(1) The accident insurance may be taken out against the occurrence of an accident involving the policyholder or another person. In cases of doubt, an insurance policy against accidents involving another person is deemed to have been taken out for the account of a third person.
(2) If the insurance against accidents involving another person is taken out by the policyholder for his or her own account, the written agreement of the other person is required for the contract to become effective. If the other person has no legal capacity to act, or only limited legal capacity to act, or if a custodian has been appointed to him or her and the policyholder is entitled to represent the person’s interests, he or she may not represent the other person when giving his or her consent thereto.
(3) Insofar as, in cases under subsection (2), the knowledge and conduct of the policyholder is of legal significance under the present Act, account is also taken of the knowledge and conduct of the other person.