Judgment of the Court (Second Chamber) of 21 December 2021.#A.K. v Skarb Państwa.#Request for a preliminary ruling from the Sąd Apelacyjny w Warszawie.#Reference for a preliminary ruling – Compulsory insurance against civil liability in respect of the use of motor vehicles – Second Directive 84/5/EEC – Article 1(2) – Directive 2005/14/EC – Directive 2009/103/EC – Article 9(1) – Obligation to increase the minimum amounts covered by compulsory insurance – Transitional period – New rule applicable immediately to the future effects of a situation which arose under the old rule – Situation arising prior to the entry into force of a substantive rule of EU law – National rules excluding insurance contracts concluded before 11 December 2009 from the obligation to increase the minimum amounts covered by compulsory insurance.#Case C-428/20.