46Secondly, as regards the recognised rights of third parties who have been victims of an accident, it must be borne in mind that the obligation to provide insurance cover against civil liability for damage caused to third parties by motor vehicles is distinct from the extent of the compensation for that harm to be provided to them on the basis of the civil liability of the insured person. Whereas the former is defined and guaranteed by EU legislation, the latter is, essentially, governed by national law (judgment of 23 October 2012, Marques Almeida, C‑300/10, EU:C:2012:656, paragraph 28 and the case-law cited).
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