Case C-490/24, Stichting Koskea: Judgment of the Court (Fourth Chamber) of 12 February 2026 (request for a preliminary ruling from the Hoge Raad der Nederlanden – Netherlands) – Stichting Koskea, as administrator of ED v Nationale Nederlanden Schadeverzekering Maatschappij NV, trading under the name of Reaal Schadeverzekering NV (Reference for a preliminary ruling – Compulsory insurance against civil liability in respect of the use of motor vehicles – Directive 2009/103/EC – Article 12(1) – Obligation for personal injuries to all passengers, other than the driver, arising out of the use of a vehicle to be covered by civil liability insurance – Scope – Road traffic accident involving a single vehicle – Damage suffered by the driver of the vehicle as a result of the intervention of a passenger in the driving of the vehicle)