WHAT TO DO IN CASE OF A ROAD ACCIDENT?

Unfortunately, traffic accidents are part of our everyday life… In the majority of cases, the consequences involve minor or major damage of the vehicles involved, however there are, unfortunately, many traffic accidents with much more serious consequences for the drivers, passengers or other participants involved in the accident.

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If this happens to you...

After a traffic accident, you may expect numerous problems, and we would like to help you in such situations, at least in the part related to the obligations of the participants in an accident. We would also like to give you a few useful tips and instructions on what to do in order to get the compensation to which you are entitled.

What to do in case of a road accident

A person who happens to be involved or comes across an accident involving injured persons has an obligation to give aid to the injured.

In the case of minor material damage

Vehicles must be removed from the road immediately in order to enable the normal flow of traffic, then complete and sign a European Accident Statement or exchange personal and vehicle data in a different manner.
If another participant of the accident refuses to give you their personal or vehicle data, or deserts the place of accident; in the case of opposite opinions regarding culpability; in the case of collision with an unregistered vehicle or a foreign registration vehicle; in the case of driver intoxication, driving without a driving license etc., we recommend that you report the accident to the police, who will come to the place of accident.

In the case of death or injury, or major material damage

You must call a doctor, remain at the place of accident, only leaving temporarily to give aid to injured persons or if you require doctor's assistance yourself. Take all necessary measures in order to remove any further threats and enable the normal flow of traffic. Make sure that the situation at the place of accident remains intact and that the existing marks remain. Switch on all four indicator lights and place a warning triangle in the correct position [at least 50 m from the place of accident].
Report the accident to the nearest police station.

Procedure of reporting a loss under motor third party liability insurance policy
In the case of an accident involving yours and another vehicle, you must submit your claim to the insurance company that issued the insurance policy for the vehicle responsible for the accident.
If the vehicle responsible for the accident is insured with Euroherc, you can submit your claim to your nearest Euroherc loss appraisal center.
In order for us to process your claim as quickly as possible, please complete your loss report form and submit it to us along with the following documents:
  • a copy of the registration card for the damaged vehicle
  • a copy of your driving license (if the vehicle was moving at the moment the accident occurred)
  • a petition to start offence proceedings or records of a police inquest (if applicable)
  • records of the alcohol test results (if applicable)
  • a European Accident Statement
  • medical documentation in the case of bodily injury loss
If the traffic police has not conducted an inquest into the accident, we recommend that both parties involved in the accident take their vehicles to Euroherc for event reconstruction and loss appraisal, whereby the processing of your claim will be accelerated.
If the vehicles are too damaged to be moved, please indicate the location of the vehicle when reporting the loss.
You can report the loss at any Euroherc branch office.
Procedure of reporting a loss under motor third party liability insurance policy
In the case of an accident involving yours and another vehicle, you must submit your claim to the insurance company that issued the insurance policy for the vehicle responsible for the accident.
If the vehicle responsible for the accident is insured with Euroherc, you can submit your claim to your nearest Euroherc loss appraisal center.
In order for us to process your claim as quickly as possible, please complete your loss report form and submit it to us along with the following documents:
  • a copy of the registration card for the damaged vehicle
  • a copy of your driving license (if the vehicle was moving at the moment the accident occurred)
  • a petition to start offence proceedings or records of a police inquest (if applicable)
  • records of the alcohol test results (if applicable)
  • a European Accident Statement
  • medical documentation in the case of bodily injury loss
If the traffic police has not conducted an inquest into the accident, we recommend that both parties involved in the accident take their vehicles to Euroherc for event reconstruction and loss appraisal, whereby the processing of your claim will be accelerated.
If the vehicles are too damaged to be moved, please indicate the location of the vehicle when reporting the loss.
You can report the loss at any Euroherc branch office.
Procedure of reporting a loss under motor casco insurance policy
If you have purchased a Motor Casco Insurance for your vehicle with Euroherc, in the case of an accident or another insured event causing damage to your vehicle, you must submit your claim to the Euroherc branch office which issued your insurance policy.
The loss report form is a special form which can be obtained from any loss reporting center.
In order for us to be able to process your claim as quickly as possible, please complete your loss report form carefully and submit it to us along with the following documents:
  • the original copy of the Casco insurance policy, for inspection
  • a copy of the registration card for the damaged vehicle
  • a copy of your driving license (if the vehicle was moving at the moment the loss occurred)
  • records of the alcohol test results (if applicable)
  • records of the police inquest (if applicable)
In the event of the realization of an insured risk, any damage caused to your vehicle must remain unchanged until the loss appraisal process is carried out by the insurer's representative.
If an insured theft has occurred, please also submit the following documents:
  • the original copy of the Casco Insurance policy
  • a copy of a police certificate acknowledging the receipt of your vehicle theft report (1st certificate, immediately after the theft - vehicle theft report; 2nd certificate after 30 days - certifying that the vehicle has not been found)
  • If the vehicle is not found within 30 days, it must be unregistered at an authorised police station, and the following documents must be submitted:
    • the cancelled registration card
    • the cancelled certificate of title
    • all keys for the vehicle
You can report the loss at any Euroherc branch office.
Procedure of reporting a loss under motor casco insurance policy
If you have purchased a Motor Casco Insurance for your vehicle with Euroherc, in the case of an accident or another insured event causing damage to your vehicle, you must submit your claim to the Euroherc branch office which issued your insurance policy.
The loss report form is a special form which can be obtained from any loss reporting center.
In order for us to be able to process your claim as quickly as possible, please complete your loss report form carefully and submit it to us along with the following documents:
  • the original copy of the Casco insurance policy, for inspection
  • a copy of the registration card for the damaged vehicle
  • a copy of your driving license (if the vehicle was moving at the moment the loss occurred)
  • records of the alcohol test results (if applicable)
  • records of the police inquest (if applicable)
In the event of the realization of an insured risk, any damage caused to your vehicle must remain unchanged until the loss appraisal process is carried out by the insurer's representative.
If an insured theft has occurred, please also submit the following documents:
  • the original copy of the Casco Insurance policy
  • a copy of a police certificate acknowledging the receipt of your vehicle theft report (1st certificate, immediately after the theft - vehicle theft report; 2nd certificate after 30 days - certifying that the vehicle has not been found)
  • If the vehicle is not found within 30 days, it must be unregistered at an authorised police station, and the following documents must be submitted:
    • the cancelled registration card
    • the cancelled certificate of title
    • all keys for the vehicle
You can report the loss at any Euroherc branch office.
Procedure of reporting a loss under property insurance policy
In the case of an insured event for which a claim is being submitted, the policyholder is obliged to do the following:
  • immediately take all measures in order to limit any damaging effects and adhere to the instructions given by the insurer or its representative.
  • notify the insurer about the occurrence of an insured event within 3 days from the moment it was discovered, otherwise the policyholder will be solely responsible for any extra costs caused by the failure to do so.
  • as soon as possible, or within 3 days at the latest, confirm in writing the report they had given verbally by telephone or otherwise.
  • in all the cases covered by regulations, submit the report to an authorised police station along with a list of all the property destroyed, damaged or lost in the course of the insured event.
  • until the arrival of the insurer's representative at the place of accident, leave damaged or destroyed property intact, unless changes are required in the public interest or for the purposes of reducing or preventing further damage, or continuing normal production.
Regardless of when the claim was submitted, the policyholder is obliged to provide the insurer's representative with all relevant data and other evidence required for establishing the cause, range and level of damage. Should it be necessary and with the appropriate justification, the insurer may also request that the policyholder submits additional evidence.
A property loss report form can be obtained from the nearest Euroherc branch office.
When you have completed the form and signed it by hand, you can submit it, along with all required documentation, to the nearest Euroherc branch office.
Procedure of reporting a loss under property insurance policy
In the case of an insured event for which a claim is being submitted, the policyholder is obliged to do the following:
  • immediately take all measures in order to limit any damaging effects and adhere to the instructions given by the insurer or its representative.
  • notify the insurer about the occurrence of an insured event within 3 days from the moment it was discovered, otherwise the policyholder will be solely responsible for any extra costs caused by the failure to do so.
  • as soon as possible, or within 3 days at the latest, confirm in writing the report they had given verbally by telephone or otherwise.
  • in all the cases covered by regulations, submit the report to an authorised police station along with a list of all the property destroyed, damaged or lost in the course of the insured event.
  • until the arrival of the insurer's representative at the place of accident, leave damaged or destroyed property intact, unless changes are required in the public interest or for the purposes of reducing or preventing further damage, or continuing normal production.
Regardless of when the claim was submitted, the policyholder is obliged to provide the insurer's representative with all relevant data and other evidence required for establishing the cause, range and level of damage. Should it be necessary and with the appropriate justification, the insurer may also request that the policyholder submits additional evidence.
A property loss report form can be obtained from the nearest Euroherc branch office.
When you have completed the form and signed it by hand, you can submit it, along with all required documentation, to the nearest Euroherc branch office or by post.
Procedure of reporting a loss under accident insurance policy
A policyholder who has been injured in an accident is obliged to:
  • Immediately seek medical attention for examination and first aid, take all necessary measures to obtain treatment and follow medical advice and instructions regarding the treatment.
  • Upon completion of treatment, submit all medical documentation together with the loss report form to the nearest Euroherc branch office.
  • A loss report form should contain all required information, particularly on the location and time of the insured event, complete description of the event, medical records specifying the type and degree of the physical injuries sustained and their potential effects, as well as information on any physical deficiencies and conditions which the policyholder might have had before the occurrence of the insured event.
If the accident resulted in the death of the policyholder, a beneficiary of the insurance is obliged to notify the insurer in writing and obtain all related medical and other documentation.
An accident insurance loss report form can be obtained from the nearest Euroherc branch office.
When you have completed the form and signed it by hand, you can submit it, along with all required documentation, to the nearest Euroherc branch office.
Procedure of reporting a loss under accident insurance policy
A policyholder who has been injured in an accident is obliged to:
  • Immediately seek medical attention for examination and first aid, take all necessary measures to obtain treatment and follow medical advice and instructions regarding the treatment.
  • Upon completion of treatment, submit all medical documentation together with the loss report form to the nearest Euroherc branch office.
  • A loss report form should contain all required information, particularly on the location and time of the insured event, complete description of the event, medical records specifying the type and degree of the physical injuries sustained and their potential effects, as well as information on any physical deficiencies and conditions which the policyholder might have had before the occurrence of the insured event.
If the accident resulted in the death of the policyholder, a beneficiary of the insurance is obliged to notify the insurer in writing and obtain all related medical and other documentation.
An accident insurance loss report form can be obtained from the nearest Euroherc branch office.
When you have completed the form and signed it by hand, you can submit it, along with all required documentation, to the nearest Euroherc branch office or by post.

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