Above from here http://www.cobx.org/Content/Default.asp?PageID=7
OBJECT OF INSURANCE
Compulsory insurance against third party liability is covered by the owners or users of motor vehicles, for pecuniary and non-pecuniary damage, the use of vehicles, cause to third parties and to:
- passenger cars
- goods vehicles
- buses and similar vehicles
- towing vehicles
- special motor vehicles
- motorcycles and similar vehicles
- combination of vehicles
- motor vehicles with foreign registration plates
- work vehicles
- repairs to vehicles in automotive, autoremonterskim workshops and workshops for washing and lubrication of vehicles
- rail vehicles.
The insurance coverage for this type of insurance is valid for all insured events caused in the territory of the Republic of Serbia. For insurance coverage of domestic motor vehicles outside the territory of the Republic of Serbia, confirmation is required on compulsory insurance – green card, which is the owner of the vehicle must have when leaving the country. An insurance company that issued the policy of automobile insurance, treason and green card.
WHAT IS AUTO INSURANCE?
This insurance covers the liability of owners or users of motor vehicles and trailers for damages caused to third parties, which means that the damage caused by the driver of the vehicle to a third party will not pay it, but the insurance company that issued the insurance policy.
IS THIS INSURANCE MANDATORY?
Given that this insurance prescribed as mandatory, while vehicle registration is one of the necessary documents and policies of automobile insurance.
The consequence of de not ensure that your vehicle has damage that is caused to your vehicle will be your responsibility.
IS THIS INSURANCE COVERS DAMAGE TO YOUR OWN VEHICLE?
Auto liability insurance policy does not cover damage to your own vehicle.
WHEN THE POLICYHOLDER AT MTPL LOSES THE RIGHT TO INSURANCE PROTECTION?
– If you allow that the vehicle transporting persons in a place not intended for the transport of persons,
– If you drive a car without proper license
– if at the time of accident drove a vehicle under the influence of alcohol, the influence of drugs or narcotics
DOES THE INSURANCE POLICY VALID OUTSIDE THE TERRITORY OF THE REPUBLIC OF SERBIA?
The insurer, based on the automobile insurance policy provides insurance coverage for all insured events caused in the territory of the Republic of Serbia.
If special contracts, or if the insured is issued insurance document (green card), there is an insurance coverage outside the territory of the Republic of Serbia on the territory of the countries listed in the document.
If the contract of automobile liability insurance concluded with the owner of a vehicle with foreign registration (border insurance), the insurer under such contract provides insurance cover only for insured events caused in the territory of the Republic of Serbia.
DO YOU NEED A GREEN CARD AND WHEN THE ISSUE?
A green card is proof of the existence of insurance for damage to third parties the use of motor vehicles abroad. So if our citizen his motor vehicle and his fault causes damage in the visited country, that damage would not pay him, but indirectly, the domestic insurance company that issued the green card.
Green Card is issued by an insurance company with which the closed policies of automobile insurance.
In addition, the green card is a condition of entering a motor vehicle with our plates to another country, otherwise it must be paid “border security”, which is basically more expensive.
WHAT TO DO IF A TRAFFIC ACCIDENT OCCURS?
An accident should be reported to the competent authority of the Interior (telephone 92) and wait for the on-site investigation.
If the damage caused to you, we recommend that the person to whom the damage caused must be aware that the policy “SAVA INSURANCE” ado Beograd, allowing you to make it clear that the injured party will have no problem in connection with the collection of damages.
IS IT POSSIBLE TO CHARGE THE DAMAGE WAS CAUSED BY AN UNREGISTERED (UNINSURED) VEHICLE?
Yes, these claims are paid from the Guarantee Fund of the Association of Insurers of Serbia only if they are caused by vehicles under the Law on insurance of property and persons subject to compulsory automobile liability insurance (passenger cars. Trucks, buses …).
IS IT POSSIBLE TO CHARGE THE DAMAGE WAS CAUSED BY AN UNKNOWN VEHICLE?
In these cases, the Guarantee Fund of the Association of Serbian Insurers paid only non-pecuniary damage (death, bodily injury, impairment of health, etc.).
WHAT IS THE EUROPEAN REPORT ON THE ACCIDENT?
- A standard form to be used throughout Europe and is instead a valid police report in the case of small claims or minor traffic accidents (where there are no injured and killed, and damage is less than 500 euros) and which simplifies the procedures for reporting adverse events and obtain the appropriate compensation.
- During operation of the motor vehicle traffic, the driver is obliged to have the vehicle European report on the accident and that he presented at the request of an authorized official.
WHERE CAN I GET THE EUROPEAN REPORT ON THE ACCIDENT AND WHETHER THERE INSTRUCTIONS FOR FILLING?
- An insurance company with which the contract is concluded on automobile liability insurance due to the policyholder, with an insurance policy, deliver the European report on the accident. The form of the European report is free and insured SAVA INSURANCE can afford it at all branches and outlets SAVA INSURANCE.
- On the back is the Report Instructions for completing the agreed statements and reports of the accident .
WHAT TO DO IN CASE OF AN ACCIDENT?
- In the case of a car accident, and its participants are obliged to report filling out, signing and mutual exchange, and that the vehicle came to an insurance company. Duly filled-European report on the accident the injured party and the insured can be used as a claim for damages on the basis of automobile insurance in the case of small damages.
TO WHOM DO I REPORT THE DAMAGE CAUSED BY THE DRIVER OF A CAR WITH FOREIGN LICENSE PLATES IN SERBIA?
If foreign insurance company pests, or whose car was using caused damage, has a correspondent (insurance company in Serbia that is contractually bound to the name of the company from abroad carries out the processing and payment of claims after that are caused by their policyholders) in the territory of Serbia, it is necessary to be damaged directly address correspondent. In case the foreign company has no correspondent in Serbia, a claim for damages can be filed Green Card Bureau.
WHAT HAPPENS TO THE DAMAGE INCURRED BY FOREIGN VEHICLES WHICH DO NOT HAVE ADEQUATE INTERNATIONAL DOCUMENT OR WHO ARE UNINSURED? WHEN THE DAMAGE IS COMPENSATED?
The request may be made to the Guarantee Fund or Green Card Bureau of the Association of Serbian Insurers.
WHAT HAPPENS IF THE ACCIDENT OCCURS IN THE TERRITORY OF ANOTHER COUNTRY?
If the accident was caused by a motor vehicle license plates the state where the incident occurred, the injured party insurer pest occurs because the event is considered to be so. local damage. In the case of an accident caused by a stranger, a resident of a third country, then it should pay the Green Card Bureau Member of an accident.
WHAT IS ALL OF THE DOCUMENTATION NECESSARY FOR THE APPLICATION OF DAMAGES?
To report damage need the following documents:
- claim for damages (picks up directly in the premises of the Association or the site www.uos.rs )
- police report on executed inspection accident (original or certified copy) / European Report,
- Minutes of the damage to the vehicle with photographs (original)
- solution magistrates or criminal judgment (original or certified copy)
- Green Card pests,
- Medical documents (original or certified copy)
- account of the repairs of the vehicle (if the vehicle is being repaired) or clearing expert
- photocopy of registration certificate,
- photocopy of driver’s license and
- photocopy of identity card (or print the document from the reader with the chip).
WHEN YOU MAKE A RECORD OF THE DAMAGE TO THE VEHICLE?
Minutes constitutes an insurance company authorized assessor or an expert.
HOW LONG IS THE PROCESSING OF CASES?
Shelf life is 45 to 90 days after receiving the insurance coverage, depending on the documentation submitted and implemented expertise.
WHAT IS THE COVERAGE?
Confirmation of the validity of the insurance pests on the day of the accident.
HOW MANY ARE WAITING TO COVER?
For accidents that occurred before January 1, 2011, the period of issuance of coverage is limited to 3 months, and the accident occurred after that date, the period is shortened to 6 weeks. If the foreign company or the Bureau does not provide a response within that period, it is considered that there is no coverage.
WHAT HAPPENS IF A COUNTERFEIT GREEN CARD?
If you suffered damage from vehicles that turn out to have a counterfeit green card, there are procedures (internal regulations of the Council of the Bureau) and the mechanisms for the protection of the rights of the injured party, especially in the sense that the country’s Bureau of pests obliged to guarantee by counterfeit green cards.
WHAT HAPPENS IF I DO NOT PROVIDE COVERAGE FOR THE VEHICLE OR IF THE ACCIDENT WAS CAUSED BY UNIDENTIFIED OR UNINSURED VEHICLE?
Claim for compensation is forwarded to the Guarantee Fund.
DO YOU NEED A GREEN CARD FOR MONTENEGRO?
For vehicles with license plates of Serbia and Montenegro did not need a green card when entering the territory of one of the two countries. A green card is not necessary for the signatory is not so. Multilateral Agreement or the European Union, Croatia, Switzerland, Andorra, Norway and Iceland, and it is necessary to a motor vehicle during a visit to Bosnia and Herzegovina, Macedonia, Albania, Turkey, Russia, Belarus, Ukraine, Moldova, Iran, Israel, Morocco and Tunisia.
WHEN PAID BORDER INSURANCE?
If the vehicle does not possess a green card where necessary, or a valid automobile liability insurance policy when entering a Contracting Party to the Multilateral Agreement.
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TO WHOM DOES THE BONUS MALUS SYSTEM – THE DRIVER OR THE CAR?
Bonus and malus follow the vehicle owner, except when a person (legal or natural) has more cars. Then it is possible that the same person on one vehicle shall be entitled to the bonus, and that the second is in the category of malus.
DO YOU CHANGE INSURANCE COMPANIES IN THE RECONSTRUCTION POLICIES CAN AVOID MALUS?
Data on all issued policies and actual damages in the territory of the Republic of Serbia shall be submitted to the Information Center of the Association of Insurers of Serbia. When policy renewal, according to the criteria defined in accordance with the Decision of NBS on the basic criteria of bonus-malus system, centralized premium level is calculated for each individual case. This means that the change in the insurance company can not avoid the application of malus in case of adverse events in the previous period.
WHAT TO DO IF YOU GET THE ACQUITTAL DECISION IN MISDEMEANOR PROCEEDINGS AFTER THE HARMFUL EVENT FOR WHICH IS / IS NOT CHARGED MALUS?
In this case it is necessary to first submit documentation on the exemption from liability of the insurance company with which the reported damage, or where the person was insured against third party at the time of the emergence of adverse events.
If such damage has not been applied to the calculation of malus, it is necessary to the insurance company (in which it was reported adverse event) data on termination of liability to the insured loss event delivery in the Information Centre of the Association of Insurers of Serbia.
In the case when calculated malus on this adverse event, it is necessary to apply for a refund of the premium based on the degree of change in the premium in the insurance company from whom it was issued MTPL policies with calculated Malus. In this case, it is necessary that the insurance company deliver the information center of the Association of Serbian Insurers information on changing the premium degree, to their next policy renewal premium level was properly calculated.
FOR WHAT PERIOD YOU CAN GET INFORMATION ABOUT POLICIES AND CLAIMS THE INFORMATION CENTER OF THE ASSOCIATION OF INSURERS OF SERBIA?
Information Centre of the Association of Serbian Insurers has started work and collecting data about the policies of automobile insurance in April 2011. Data on policies from the previous period are found exclusively in insurance companies.
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WHAT IS THE DIFFERENCE BETWEEN THE COMPULSORY MOTOR LIABILITY INSURANCE AND COMPREHENSIVE INSURANCE AUTO INSURANCE?
In the compulsory motor liability insurance , the owner of the vehicle is responsible for the damage caused by the use of motor vehicles cause to third parties due to death, bodily injury, damage to health, destruction or damage of objects or vehicles. The insurer compensates damage caused to third parties and not the vehicle owner. So, when you are the culprit in a collision, the damage caused to the injured party (not your) is paid by your insurance company.
When auto-Casco insurance provides the policyholder own motor vehicle and the damage is compensated for his vehicle depending on a selected risk is contracted.
So, if you have a fully comprehensive auto insurance policy with a mandatory auto liability insurance policy, in a collision with another vehicle in which you are responsible, the insurance company will for the policy of compulsory motor liability insurance to indemnify third person – the victim, while the car fully comprehensive policy nadokaditi damage to you. If you make an insurance against the risk of theft, in case of vehicle insurance company compensates you lose (Payment of amortized sum insured, depending on the value, age and condition of the vehicle).
DO I HAVE THE RIGHT TO COLLECT DAMAGES THROUGH THE GUARANTEE FUND IF THE VEHICLE THAT CAUSED DAMAGE TO MY VEHICLE WAS NOT REGISTERED?
If the driver of the vehicle that is not insured responsible for the traffic accident, you are entitled to contact the Guarantee Fund of the Association of Insurers of Serbia with a request for compensation. It is necessary that along with your request for damages and provide documentary evidence, and that, in the event of damage to the vehicle: the crime scene sketch and statements of participants, record of vehicle damage with photographs, a copy of registration certificate and identity card.
HOW CAN I CONTACT THE GUARANTEE FUND FOR FURTHER INFORMATION AND HOW DO I APPLY FOR COMPENSATION?
Application forms for compensation are available on the website of the Association of Serbian Insurers www.uos.rs part in Claims, and all information on the necessary documentation for the specific case can be obtained by contacting the Guarantee Fund electronically (by e-mail to the following address: firstname.lastname@example.org ) telephone (phone: 011/940 2927) or in person at the premises of the Association of insurers of Serbia in Belgrade at Milentija Popovića 5b (2nd floor).
DRIVER INTOXICATED ME WITH UNREGISTERED VEHICLES DAMAGED FENCE. DO I HAVE A RIGHT TO COMPENSATION AND HOW AND FROM WHOM I CAN ACHIEVE IT RIGHT?
This damage is caused by the use of motor vehicles, which means that in a regular situation, the obligation to compensate the damage had the insurer with whom the owner of the vehicle has ended a policy of automobile insurance (compulsory insurance). Since in this case the vehicle is unregistered, and no policy of compulsory motor liability insurance, such damage can charge from a person (pests) to the same cause or the Guarantee Fund of the Association of Insurers of Serbia. In order to compensate for the damage, it is necessary to provide evidence of the extent of damage, and that the assessor (construction) insurance or construction expert prepare a report on the damage. This evidence, together with the minutes on executed inspection of the police and filled out a request for damages, will surrender to the Guarantee Fund for further processing. Another option is to reach an agreement with whoever you have caused the damage, because in each case on the ultimate payer damage.
I FOUND YOUR VEHICLE IS DAMAGED IN THE PROPER PLACE FOR PARKING. TRAFFIC POLICE CONDUCTED AN INVESTIGATION. DAMAGED VEHICLE HAS A POLICY OF COMPULSORY MOTOR LIABILITY INSURANCE. HOW TO MAKE UP FOR THE DAMAGE?
If the damage to the insured vehicle caused by unknown vehicle if the insured vehicle, there is only compulsory insurance but not full insurance, the injured party can not collect damages, except in the case of finding an unknown perpetrator. Guarantee Fund of the Association of Serbian Insurers paid no material damage to the vehicle caused NN vehicle.
WHAT IS THE STATUTE OF LIMITATIONS FOR DAMAGES FROM UNINSURED VEHICLE?
Law on Obligations stipulates that a compensation claim shall expire three (3) years from the date of knowledge of the damage and pests. In the event of damage caused by a criminal offense, a criminal prosecution is planned for a longer period of limitation, a claim for damages against the responsible person shall expire when the period specified in the statute of limitations.
DID GUARANTEE FUND PAYS COMPENSATION IN CASE OF AN ACCIDENT WHEN THE INJURED PERSON WAS A PEDESTRIAN, A VEHICLE THAT HIT HIM WAS EXPIRED INSURANCE POLICY?
If it is determined that it is responsible for the damage uninsured vehicle, the pedestrian as the injured party has the right to claim compensation from the Guarantee Fund of the Association of Insurers of Serbia.
SINCE THE GUARANTEE FUND PAYS COMPENSATION FOR DAMAGE, OR FOR THE PERIOD OF THE ACCIDENT THERE IS AN OBLIGATION OF THE GUARANTEE FUND TO PAY COMPENSATION?
Guarantee Fund of the Association of Insurers of Serbia was established in 1996 in accordance with the Law on Insurance of Property and Persons, with the start of its operation was postponed until 1997. From the funds of the Guarantee Fund will be paid compensation for damages resulting from the commencement of the Guarantee Fund, ie from 6 July 1997.
DOES A PASSENGER IN THE VEHICLE MANAGED BY AN INTOXICATED PERSON IS ENTITLED TO COMPENSATION FOR DAMAGES SUFFERED IN A CAR ACCIDENT?
The passenger in the vehicle is entitled to compensation from the insurer of any vehicle which is involved in an accident, as well as the holder of the vehicle. The passenger has the right to claim compensation from the insurer of the vehicle which has suffered damage, as well as the insurer of the other vehicle participants, if the accident involved more than one vehicle. If the responsibility for the accident the driver of the vehicle in which the passenger is injured, the driver drove a vehicle under the influence of alcohol, the passenger can address and his insurer with a request for compensation along with his record on crime scene investigation and medical records, and if necessary, other documentation that the insurance company requires. In determining the rights of travelers to compensation and the amount of damage appreciates the contribution of passengers in damage, and compensation shall be reduced in proportion to the contribution, considering that in this case, the passenger agreed to ride with the person who drove the vehicle under the influence of alcohol, and the insurer such a case has a right of recourse against their insured in accordance with the law on Compulsory traffic insurance, or insurance company compensate the injured party, shall enter into the rights of the injured party against the person responsible for the damage, the amount of compensation paid, the interest payments of fees and the costs of the proceedings.
ON WHAT PRINCIPLE THE AMOUNT OF THE SUMS TO BE PAID WITH THE DECLARATION OF TOTAL DAMAGE TO THE CAR? IS THERE A RULEBOOK THAT GOVERNS THIS OR ANY INSURANCE COMPANY THE SAME IS CALCULATED ON THE BASIS OF INTERNAL ASSESSMENT?
Assessment of the total damage done to the vehicle assessor / expert mechanical or traffic engineering, according to the rules in a way which is determined by the value of the vehicle at the time of the accident and the rest of the value according to which on the basis of the difference determines the amount of total damage. Then there is a comparison with the cost of repairs, so if the cost of repairs exceeds the amount of the total damage, the compensation paid on the basis of the calculation of total damage. In this way the act and the process of claims handling Guarantee Fund of the Association of Insurers of Serbia.
WITH THE RESPONSIBILITY OF INFORMING THE GUARANTEE FUND ON AN ACTUAL ADVERSE EVENT (ACCIDENT) AND WHO IS APPLYING FOR COMPENSATION?
The injured party submitted a claim for compensation to the Guarantee Fund of the Association of Insurers of Serbia.
WHETHER DAMAGE CAUSED BY UNINSURED TRACTORS, SMALL TRACTORS, MOTORCYCLES AND THE LIKE. FALL UNDER AN OBLIGATION OF THE GUARANTEE FUND?
Yes, since December 2009, after having entered into force and has been implemented a new Law on Road Traffic Safety.
IS THERE A POSSIBILITY FOR COMPENSATION FOR MATERIAL DAMAGE TO THE VEHICLE WHEN THE DAMAGE CAUSED BY THE USE OF UNKNOWN VEHICLE?
Such a possibility is not provided for by law. The only possibility for payment of damages in this case is that the owner of the damaged vehicle has a fully comprehensive insurance policy for the vehicle.
CAN I REALIZE MY COMPENSATION ON A MOTOR VEHICLE WHICH WAS BURNED DURING THE NIGHT AND WHEN THE DAMAGE TOTAL. ABOUT THE ABOVE THERE IS A REPORT OF POLICE AND FIRE SERVICES. MY VEHICLE POSSESSES A MANDATORY AUTO INSURANCE POLICY BUT NOT CASCO POLICY.
If there is no information on how the vehicle caught fire and what caused the damage, based on its own policy of automobile insurance can not be charged damages in this case. If pushing the owner of the damaged vehicle has neither fully comprehensive insurance policy, then there is practically no possibility to compensate for damages from insurance funds.
DO PESTS WHO PAID THE EXPENSE OF INJURED PERSONS ARE ENTITLED TO BE SUBSIDIZED FROM THE FUNDS OF THE GUARANTEE FUND?
Not. The right to compensation from the Guarantee Fund assets are impaired passengers and third persons within the meaning of the Act. The pest does not enter the circle of persons who have the right of recourse or compensation from the funds of the Guarantee Fund.
WHAT IS THE PROCEDURE FOR PAYMENT OF DAMAGES IF THE INSURANCE COMPANY “EKOS” IN BANKRUPTCY?
After completion of the bankruptcy proceedings obligation for compensation to third parties injured by the insured vehicle liability code “ADO EKOS” in bankruptcy, takes the Guarantee Fund of the Association of Insurers of Serbia. If the claim is reported and recognized in bankruptcy injured party does not have to wait for completion of the bankruptcy proceedings, but can immediately submit a request to the Guarantee Fund provided that the requirements be attached to the decision which it has recognized the claim. If the claim is not recognized in bankruptcy, given that bankruptcy is not completed, the obligation of the Guarantee Fund has not yet been reached. Each case during processing in the Guarantee Fund price and determine whether it is a claim on the basis of the policy of automobile insurance and whether the applicant is a third injured party, since the Guarantee Fund does not compensate the damage arising from other types of insurance.
IF THE OWNER OF THE DAMAGED VEHICLE LEASING COMPANIES, WHETHER THE USER OF SUCH A VEHICLE WAS DAMAGED IN THE ACCIDENT, WHICH IS RESPONSIBLE FOR UNINSURED VEHICLE MAY EXERCISE THE RIGHT TO COMPENSATION FROM THE FUNDS OF THE GUARANTEE FUND?
When the owner of the damaged vehicle leasing companies, and the user person or legal entity, to leasing can be paid indemnity only with the consent of the leasing company to be submitted to the Guarantee Fund in writing, along with other necessary documentary evidence.
(Taken from http://www.uos.rs)