What is the legal consequence under Swiss law if a professional bus driver carries more passengers than the certified passenger seating/standing capacity listed in the vehicle certificate (Fahrzeugausweis)?

1. The journey may continue if the excess passengers agree to stand, because only seated capacity is certified
2. Only the operator can be addressed; the driver's decision to depart cannot be considered
3. Enforcement penalties and an order not to continue overloaded can follow; excess passengers must be removed safely, and insurance recourse depends on the policy and circumstances rather than coverage becoming automatically void
4. Insurance coverage becomes automatically void in every case, before any policy or factual assessment