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What to do in case of accident?

MTPL - what to do in case of accident

What to do after causing an accident (the guilty party):

  • Within 10 days from the day of the accident, the guilty party should turn to the Compensa partners or regional experts,
  • Submit a copy of the agreed statement and write an explanation regarding the circumstances of the accident in person,
  • Present the damage to the vehicle (if any) to the Compensa expert in person.


What to do after suffering in an accident (the injured party):

  • Report immediately to the traffic police or draw up an agreed statement.


The agreed statement may be drawn if:

  • Only two vehicles are slightly damaged and they both are allowed to continue on the road, i.e., the vehicle is not damaged in a way that prevents it from movement or it is not prohibited for the vehicle to participate in road traffic according to the Road Traffic Regulations,
  • There are no injuries to people or third-party property (personal property),
  • Both parties are able to agree on the circumstances in which the accident occurred.

Important! If it is not possible to reach an agreement with the other party on drawing an agreed statement, call the traffic police!


You must report to the traffic police, if:

  • People have been injured in the road accident,
  • There is damage to third-party property,
  • The vehicles are damaged to an extent where they are unable or it is prohibited for them to participate in the road traffic according to the Road Traffic Regulations,
  • If more than 2 vehicles are damaged.


In case of an accident abroad:

  • According to the law of the relevant state, report to the police or complete the agreed statement form,
  • Learn the registration data and the insurer of the vehicle involved in the road traffic accident,
  • If the accident has occurred in one of the European Economic Area countries, turn to the Latvian representative of the insurer of the party who caused the accident or the Motor Insurers’ Bureau of Latvia, who will help you find the insurance company where you must submit your claim,
  • If the accident has occurred in one of the Green Card system member states, you must submit your claim in the relevant country to the insurer of the party who caused the accident. If this is not possible, upon your return to Latvia, turn to the Motor Insurers’ Bureau of Latvia who will provide you with the information on how to submit your claim.

Reporting MTPL claim

The claim must be reported

  • Online,
  • At cooperation partners.

Steps after receiving a claim application:

  • Compensa will assess and analyze the damages,
  • The decision will be made in accordance with the law - within 30 days after the receipt of all necessary documents,
  • Payment will be made within 5 business days after making the decision.

As of 1 January 2017, the new amendments to the MTPL Law are in force, which provide for a reduction of the indemnity by 30% of the amount indicated in the calculation of losses (excluding VAT).


Important to know!

  • It is possible to recover the outstanding amount if, not later than within four months after the payment of the insurance indemnity, you submit to the insurer the invoice for the restoration (repair) of the vehicle and a proof of payment of the invoice, the insurer will make a decision within 15 days regarding the payment of the outstanding insurance indemnity and will pay the outstanding indemnity corresponding to the actual cost of the restoration (repair) of the vehicle indicated in the invoice, including the value added tax amount included in the invoice, not exceeding total damages indicated in the calculation of losses, including value added tax.
  • The new calculation procedure does not apply to a total loss of the vehicle.
  • The amendments to the MTPL law are applicable to insured events occurring from 1 January 2017.

Reporting MOD insurance claims

What the customer should do immediately after an accident:

  • Damage is limited to the windscreen, side or rear window, unless the damage was caused by a third party - it is not necessary to notify the Traffic Police, you can immediately go to Compensa partner repair shop,
  • The vehicle was the only object involved in the accident and can leave the scene independently, there are no casualties and no third-party property has been damaged - it is not necessary to notify the Traffic Police, you can immediately go to Compensa partner repair shop,
  • The vehicle was damaged by another unknown vehicle - inform the Traffic Police,
  • Vehicle theft, robbery - notify the State Police,
  • Malicious damage to the vehicle by a third party (for example theft of mirrors or audio system) - notify the State Police,
  • Property theft from the interior of the vehicle - inform the State Police,
  • Damaged property as a result of a road traffic accident - inform the State Police,
  • Collision between 2 vehicles (no injured persons and no damage to third party property). Both drivers must complete the agreed statement or inform the Traffic Police who will draw up a report at the scene of the accident,
  • A collision has occurred between 3 or more vehicles. The persons involved must inform the Traffic Police who will draw up a report at the scene of the accident,
  • The vehicle is seriously damaged and is not in a drivable condition and / or there are injured persons and / or property belonging to others has been damaged. Inform the Traffic Police who will draw up a report at the scene of the accident,
  • If there are injured people, notify the Emergency Services,
  • Object has fallen on the vehicle (for example, ice or snow from the roof of a building),
  • Notify the State or Municipal Police,
  • Vehicle fire (as a result of a vehicle explosion, lightning strike, or short circuit). Inform the State Fire and Rescue Service and the State Police.

 

The claim application must be submitted immediately, but not later than within 3 days from the accident:

  • Online
  • By visiting a partner repair shop (only in case of repairs).

Steps after receiving a claim application:

  • After the vehicle is presented to the repair shop representative, we will wait for the repair estimate,
  • We will review and approve the estimate as soon as possible, but not later than within 5 business days after the receipt of all necessary documentation,
  • If the policy provides an excess, you can make the payment at the repair shop upon receiving your vehicle after the repairs,
  • We will notify you after sending the agreed estimate to the repair shop,
  • After receiving our message, contact the repair shop to arrange the time when repairs can be made,
  • If you wish to receive the indemnity in your bank account, you must show the vehicle to the Compensa expert who will calculate the damages.

Reporting property insurance claims

The claim application must be submitted immediately, but not later than within 3 days from the accident:

  • Online
  • By sending an e-mail to atlidzibas@compensa.lv,
  • By calling 6755 9999.


Along with your claim, please submit:

  • Copies of the floor plan or technical inventory file, if premises require repairs after the accident,
  • Repair estimate,
  • Building administrator’s statement in case of steam or liquid leaks,
  • Proof of value (in case of damage or theft of movable property - property, goods etc.).

Steps after receiving a claim application:

  • Our experts will inspect the damaged site - until the inspection the site must be kept in the same condition as it was immediately after the accident.
  • After the inspection, we will wait for the loss estimate for our review or we will draw the loss estimate ourselves,
  • The decision will be made no later than 20 days after the receipt of all necessary documents,
  • Payment will be made within 5 business days after making the decision.

Reporting MOD glass damage claims

Compensa offers its customers to change the vehicle glazing without excess:

  • When changing the glazing in the specialized glazing repair shops (list is available in the section Partner repair shops);
  • If the policy contains special provisions on changing glazing without excess.

Otherwise, the excess specified in the policy will be withheld.

Reporting travel insurance claims

In case of an insured event while travelling:

The Compensa 24-hour helpline will provide you advice and instructions on what to do in the event of an accident - call +371 67558899.

  • Receive advice on what to do,
  • Follow the instructions provided by the helpdesk,
  • Request and retain documents specified by the helpdesk,
  • Submit the Compensa claim form by attaching the necessary documents and sending it to coris@corisbaltic.lv or send the completed application to e-mail atlidzibas@compensa.lv.
  • Receive indemnity payment not later than in 5 days after the decision is made.

If the healthcare institution requires guarantee to cover medical expenses:

  • Compensa will work with the helpdesk to contact the healthcare institution and guarantee the payment for service, if such an agreement is required,
  • Compensa will carry out the formalities concerning the insured event and pay the invoices for the services received.

Important!
Before leaving, make sure that you have all the necessary documents, the data provided in the insurance policy is correct and the electronic version of the policy is also stored on your phone. We also recommend supplementing your travel insurance with an EHIC card to ensure complete security during your travels.

Reporting accident insurance claims

What the customer should do after an accident:

  • Seek medical assistance within 24 h from the accident and follow the doctor’s instructions,
  • Submit the claim within 30 days by completing the claim form and sending it to e-mail atlidzibas@compensa.lv.
  • You must attach a reference from the healthcare institution stating a precise diagnosis and the examination results, as well as copies of the receipts for your doctor’s visit and examinations,
  • If additional documentation is required, we will contact you personally,
  • The decision to pay the indemnity is made within 30 days of the receipt of all documents.

Reporting civil liability insurance claims

The claim application must be submitted immediately, but not later than within 3 days from the accident:

• Online
• By sending a completed application to atlidzibas@compensa.lv
• By calling 6755 9999

Along with your claim, please submit:


• The victim's claim addressed to the guilty party. 
• Any other documents the victim has attached to the claim, for example, an estimate, the statement of the building manager etc.


Steps after receiving a claim application:


• Our specialists will contact the victim and inspect the damaged object - please, do not start any repairs until the object is inspected, it is only allowed to perform the necessary measures to minimize the damages, for example, water collection, ventilation of premises etc.,

• After the site has been surveyed, we will make an agreement with the victim on whether the estimate for the restoration works is submitted by the victim or whether we will draw the estimate ourselves,
• The decision will be made no later than 20 days after the receipt of all necessary documents,
• Payment will be made within 5 business days after making the decision.

 

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