1. Notify your insurer of the accident on the number given in the contract. This must be done within three days in any event, and includes telling them the circumstances, where the damaged vehicle is, and your current contact details. If you miss the deadline you will have to show good reason.
  2. Keep the damaged vehicle in the condition it was in after the accident until the insurer’s representative has inspected it. The insurer has a maximum of 10 days from notification to carry out that inspection.
  3. At the inspection the insurer’s representative draws up two copies of an inspection report. One signed copy goes to the injured party. It may be issued electronically.
  4. If the insurer has not inspected the damage within 10 days, the injured party or the owner may arrange and pay for the assessment themselves, using a qualified assessor working under licence. The insurer must then reimburse the cost of that assessment. Conversely, if the inspection did not happen because the injured party did not make the vehicle available, the insurer will decline the claim.
  5. To claim for property damage, submit a written claim to the insurer within one year. For injury or loss of life, the deadline is three years.

European Accident Statement (Europrotocol). This is the way to record an accident involving exactly two vehicles without calling the police, and it is then used to settle the claim. It can be completed on a printed form or electronically, the link to the electronic version is normally in the policy itself, one tap from the PDF on your phone. It records the location, time, address, the paths the vehicles took and the other standard details; the prompts make it straightforward. Under Article 32(10) of the Law on MTPL, the Europrotocol is one of the documents the insurer accepts to make a payment.