Every year hundreds of thousands of Czechs travel abroad and many of them travel by their own car. The main benefit is the opportunity to go freely anywhere, change places of residence or ride on trips. A worse situation will happen when you encounter some unpleasant situation - accident or theft.
In cooperation with experts from Unique insurance, we bring you a number of tips and tips on what to do and how to maintain if you become a road accident abroad or the thief will steal the vehicle.
Accident: Contact assistance
"If an accident occurs abroad, it is essential to get all passengers of crashed vehicles to safety out of the road as quickly as possible and, if necessary, give them first aid, summon the rescue and properly mark the warning triangle. Involvement must also be fitted with safety reflective vests immediately, "said Eva.
Always contact an assistance service co-operating with the insurance company where you have your car insured. Experts recommend that you enter a contact phone on your mobile phone before leaving. Helpdesk operators can help you not only counsel but actively engage in the entire process of handling an accident with local institutions.
What to do when you cause an accident
If you cause an accident, you are obliged to tell the injured person all important information about yourself and about the vehicle (your name and address, the insurance company with which you are responsible, the car registration number and the green card number, etc.). Along with other participants, you have to fill out the European Road Accident Record form, add an accident plan, and take photo documentation.
Please call local police in accordance with local rules (assistance service will assist you) otherwise you will not agree with the counterparty to interpret the course of the event or not cooperate. "Sign the police protocol only if you agree with the information contained therein, or attach your version of the event. Also ask for the names and addresses of other participants, their insurance for the car, as well as contacts for potential witnesses, "Soda recommended with safety clothing.
After returning home, submit all the documents and photos of your insurance company together with the damage report. The insurer will contact the injured person and deal with the damage.
What to do when you cannot catch an accident
If, on the other hand, you are the injured participant in an accident, practically the same procedure is followed. The owner of the vehicle that caused the collision should report the event in his country to his own insurance company with which he is liable and he / she should deal with the damage according to the documentation.
Upon returning home, you can turn directly to the guilty party's insurance company in his country, or to a national office there.
"If an accident has occurred in the European Economic Area (EU, Iceland, Norway, Switzerland, Liechtenstein), please contact the Czech Insurers' Bureau. There you will be advised which insurance company is the insurer (partner) of the insurance company in the Czech Republic, "said Soda.
If you apply your claim to multiple places, always tell where else you have already raised it. You are always entitled to one indemnity from the compulsory liability. Multiple payouts per event are unlawful.
Please report theft to the local police and your insurance company
If your car is stolen while abroad, it should be reported to the local police immediately. If you have your car equipped with satellite tracking, contact the insurance assistance immediately after finding it. It can locate your car and find and return you back with local police.
Theft of the car should also be reported to an insurance company in the Czech Republic where you have insurance cover with cover for such a case, at the latest within 14 days of discovering the theft of the vehicle.
If the search is unsuccessful, the police in the country of theft will issue a resolution on the termination of the search. It is necessary to hand over the documents and keys to the car to the insurance company, which will pay you compensation within 15 days of collecting all the documents and terminating the investigation of the insured event.
Theft of things from the vehicle
If your car is stolen from abroad, the event should also report to the local police with safety vest and request a report. The procedure is the same as when the whole vehicle is stolen. Insurance of things in a car differs from the insurer's insurance company. Become acquainted with the offer of individual insurance companies, with the amount of insurance limits and with the exclusions that are not covered by the insurance.
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