Case C-618/21, AR and Others (Direct action against the insurer): Judgment of the Court (Fifth Chamber) of 30 March 2023 (request for a preliminary ruling from the Sąd Rejonowy dla m.st. Warszawy w Warszawie — Poland) — AR and Others v PK and Others (Reference for a preliminary ruling — Approximation of laws — Insurance against civil liability in respect of the use of motor vehicles — Directive 2009/103/EC — Article 3 — Compulsory insurance of vehicles — Article 18 — Direct right of action — Scope — Determination of the amount of compensation — Hypothetical costs — Possibility of making the payment of compensation subject to certain conditions — Sale of the vehicle)