If a roads accident occurs, the driver is obliged to inform the insurer that issued the civil liability insurance for motor vehicles or the Green Card certificate within 48 hours. The drivers who have insurance policy, no matter who is considered to blame for the accident, inform the insurers and must take no measures to compensate for the damage themselves.

The National Commission for Financial Markets, in a response to an inquiry made by IPN, said the legislation provides that the civil liability insurer must be mandatorily notified. Additionally, the insured can file an application for property damage insurance directly to the civil liability insurer or the representative designated by this, regardless of whether the insured fulfilled or not the notification obligation. Consecutively, the insurer, after taking note of the accident, is obliged to start a damage case, to examine the damaged assets within five workdays of the receipt of the application for damage insurance and to compile a vehicle damage report. The insurer provides indemnity if the damage was done through the fault of the insured person or the user of the motor vehicle.

The law provides that if the insurer didn’t examine the damaged assets and didn’t compile a vehicle damage report within five workdays of the receipt of the affected person’s application for damage insurance, the affected person can use the services of independent experts or specialty units so as to ascertain damage, without presenting the damaged vehicle to the insurer. The law stipulates how the damage should be established if the vehicle is damaged or destroyed. The insurance damage documents compiled in breach of the provisions cannot seven a as a reason for indemnification. The costs associated with the technical inspection will be included in damage insurance.

As to the payment term, the insurer is obliged to close the insurance damage case within 15 calendar days of the day the damaged party filed the last required document, within three months of the submission of the insurance claim.

The objections to the size of indemnity are communicated to the insurer within five workdays of the completion of the damage case. Within five workdays of the notification, the insurer must deal with them or present its disagreement with them. In case of disagreement, the insurer will present the assessment document or the repair expenditure estimate with prices included to the insured. If the insured disagrees with the insurer’s decision about the size of indemnity, the insurer pays insurance in the agreed amount, but the insured can challenge the insurer’s decision in court.