1. Act of 11 September 2015 on insurance and reinsurance activities. Dz.U. 2015 poz. 1844.
2. Act of 23 April 1964 - Civil Code. Dz.U. 1964 nr 16 poz. 93.
3. Act of 23 October 2018 amending the Act on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau Dz.U. 2018 poz. 2448.
4. Annual bulletin. Insurance market - for years 1999-2018, Polish Supervisory Authority, available at https://www.knf.gov.pl/en/REPORTS_AND_ANALYSIS/Insurance
5. Boyer MM, Owadally I (2015) Underwriting Apophenia and cryptids: Are cycles statistical figments of our imagination? Geneva Papers Risk Insurance – Issues Pract 40(2):232–255. https://doi.org/10.1057/gpp.2014.12