All cars are covered with comprehensive third party and collision damage insurance. The driver should pay only if he caused the damage.
In case an accident happens due to your fault, for KIA and Volkswagen cars your liability is limited with 30 000 ₽ for damages up to 100 000₽, or 30 000 ₽ and 15% of the damage cost for damages above 100 000₽.
For Mercedes-Benz cars, your liability is limited with 50 000 ₽ for damages up to 150 000₽, or 50 000 ₽ and 15% of the damage cost for damages above 150 000₽.