How to file a “Civil Liability“ insurance claim

Filing a “Civil Liability” insurance claim can be a complex and stressful process, especially after a traffic accident. Trusti’s mission is to make the insurance purchasing process easy, secure, and fully transparent, giving you peace of mind. That’s why we created this guide to walk you through the steps of filing a “Civil Liability” insurance claim.

Step 1: Gather information about the incident

Being organized is key when it comes to filing an insurance claim, and Trusti is here to guide you through the entire process so you don’t have to wonder what to do in such situations. Stay calm and remember that you are in safe hands.

After a traffic accident, the first step is to gather all necessary information. Exchange contact and insurance details with the other parties involved in the accident. If possible, take photos or video footage of the incident and any visible damages. Remember, Trusti is here to guide you through these important steps in the claim process.

Step 2: Complete the joint accident report

Once the accident is assessed and the fault is determined, the next step is to fill out the joint accident report.

Don’t have a joint accident report form in your car? You can easily download it from HERE.

This report contains detailed information about the incident and the participants involved. In most cases, the driver in the rear is considered at fault in a traffic accident. However, if a dispute arises and fault cannot be established, it is recommended to call the police. They will officially determine fault and fill out an accident report. For more serious accidents involving significant damages, it is important to call the police.

*Important: For any traffic accident, you must report it to 112, regardless of the extent of the damages. This is a crucial condition for the insurance company to acknowledge the damages later.

Step 3: Contact the at-fault driver’s insurance company

After completing the joint accident report, it is important to visit the at-fault driver’s insurance company to file the claim. When you go, you must provide the accident report or police report, along with all the necessary documents that you are required to carry when driving a vehicle.

*If the at-fault driver does not have valid “Civil Liability” insurance, you will need to go to the Guarantee Fund, which will cover the damages.

Step 4: Fill out the claim forms

When you visit the at-fault driver’s insurance company, they will provide you with the necessary forms to file the insurance claim. These forms typically require detailed information about the incident, including the date, time, location, and a description of what happened. Complete them accurately and clearly, ensuring all information is correct and thorough.

Step 5: Provide bank account details for compensation

To receive compensation for the damages, you will need to provide your bank account details to the at-fault driver’s insurance company. This will allow them to transfer the funds directly to your account.

Step 6: Seek medical attention and keep records of expenses

If you or another participant in the accident sustained injuries as a result of the traffic incident, it is important to seek medical attention immediately. Keep all medical documents, such as medical reports, test results, and treatment records. These documents must be provided to the at-fault driver’s insurance company when filing the claim to ensure that your expenses are reimbursed.

Conclusion

Filing an insurance claim after a traffic accident does not have to be a complicated process. Trusti is here to make it easy by guiding you through every step, ensuring that you stay informed and make the right decisions in such situations.

Gather the necessary information from the accident, complete the joint accident report, contact the at-fault driver’s insurance company, fill out the claim forms, provide your bank account details, and keep track of any medical expenses. These are the steps you need to follow for a successful claim process.

Make sure you’re protected on the road by choosing the best coverage for your insurance needs with our easy-to-use Civil Liability insurance calculator.

Trusti is here to assist you every step of the way.