Necessary steps in case of an incident

Important! Common casco insurance cases many insurers apply limits on the number of claims or percentage of the insured value.

Typical situations covered:

• Unknown damage source: e.g. parking lot impacts, scratches with no identified third party.
• Natural disasters: hailstorms, storms, falling trees, etc.
• Self-inflicted damage: technical failure or accidental impact (e.g. hitting a pole).

Key steps to report a claim

1. Immediate notification:

• Notify insurer within 3 days after discovering the damage..

  Always double-check your insurance policy for specific deadlines.

2. Photographic documentation:

• Provide detailed photos of the damage and environment.

  For natural disasters, include wide shots (e.g. fallen tree, ice roads). A note from the National Institute of Meteorology and Hydrology may be required if public platforms lack confirmation of the event.

3. Claim submission:

• Claims may be filed online, in-person at insurer’s office, or via phone.

4. Insurer inspection:

• Appointment is scheduled for inspection—typically at a garage or via mobile team.

Deadlines:

• Submit all documents within 3 days of reporting the damage.

Critical Notes:

• Do not repair the damage before inspection—unless explicitly allowed by the insurer.
• Do not submit false documents or misleading information—may result in rejection.
• If available, provide security footage or witness statements for added proof.

Conditions for using the mutual accident protocol (no Police involvement):

• No injuries occurred.
• Both drivers agree on fault and accident details.
• The liable driver holds valid Third-Party Liability Insurance

Steps:

1. Complete the Mutual Protocol Form – The form must be properly filled out and signed by both drivers.
2. Notify the Insurer of the Liable Party – must be done within 3 days from the date of the accident.
3. Notify Your Own Insurer - especially important if you're claiming damages under a Casco policy.
4. Inspection & Submission of Documents - arrange an inspection and provide all required paperwork to support your claim.

Deadlines:

• All documents should be submitted within 3 days of the accident.

Key steps:

1. Contact Roadside Assistance - if your insurance policy includes roadside services, contact them immediately.
2. Notify the Insurer  - you must inform the insurance company within 3 days of the event.
3. Inspection or Assessment of the Vehicle - usually performed at a garage or directly by the insurer’s appointed expert.
4. Submit Required Documents - this includes the service diagnostic report, any photos, and a formal damage notification.
5. Await Insurer’s Decision - the insurer reviews the documentation and either approves the repair or issues a compensation payout.

Deadlines:

• Notification to insurer must happen within 3 working days of the incident.

Key steps

1. Notify the police - if there are casualties, significant material damage or uncertainty about fault.
2. Inspection by traffic police
3. Report to insurer - within 3 working days of the accident.
4. Inspection of the vehicle by the insurer (on site or in a workshop).
5. Provision of documents - incl. traffic police report/dual report, photographs, registration certificate, driving license etc.
6. Awaiting assessment and declaration of "total loss" by the insurer.

Terms:

• By 3 working days to notify insurer.

Key steps:

1. Immediate notification of the Ministry of the Interior Affairs' (police) - within 24 hours of discovery of the theft.
2. Notification of the insurer - within 24 hours of discovery of the theft.
3. Provision of a document from the police - a certificate of a report and of an investigation.
4. Waiting for a statement from the Police - some insurers require official confirmation that the car has not been found.
5. Submission of documents to the insurer - insurance policy, registration card, keys, etc.

Terms:

• Within 24 hours – notification of the Police and the insurer.

• Copy of insurance policy (Civil and Casco).
• Copy of registration certificate (Part I and II).
• Copy of driving license
• Copy of the Bilateral Statement of Consequences (BOC)/ Police Report - if there is one.
• Photographs of the accident scene as required by the insurer;.
• Copy of Annual Technical Inspection
• Police certificate (in the event of theft).
• Vehicle keys (in case of total loss or theft).