Traffic Accident

18.07.2019

Do you know what to do when you get into a traffic accident? There are certain steps you should know in order to help and be sure everyone is safe, to follow the law rules and to get the insurance claim process strated. It is very important that at the moment you are involved in a traffic accident, you must act in accordance with ethics. It is also recommendable that all traffic participants know the Law for traffic road safety. From a series of legally prescribed items, the Law regulates the minimal traffic disturbance, provides optimal traffic flow and compensation for material damage to insured ones. The duty of each participant in traffic accidents and traffic in genaral is to protect themselves, avoid new damage and to help others if needed.

What steps should be taken in case of road traffic accident?

  1. When a traffic accident occurs, the duty of the driver is to turn off the negine of the vehicle. Doing it the driver will prevent or reduce the risk of possbile fire or explosion.
  2. After that, the driver is obliged to switch on all the direction indicators and in this way notify other participants in traffic that there is a danger on the road.
  3. The next step involves dressing a waistcoat for emergency and then carefully leave the vehicle.
  4. A very importan step, without exception, is the intsallation of the warning triangle  on a safe distance (at least 50m on the open road and 10m on the road in the inhabited area). Avoiding the usage of this step may result in secondary traffic accidents. If someone is injured, he must not move and transport without professional supervision (doctor, Emergency).
  5. The next step is related with the duty of the driver, or another participant in the traffic accident to call the police. It is imperative to stay at the accident site until the police arrive and finish the observation.

What to do in a case of traffic accidents abroad?

In most EU countries it is only enough to fill in the European Report and in that way all the rights of the insured will be respected. It is very important that you have a European report form in your vehicle which you receive when concluding  the auto liability insurance policy. However, in some countries it is not enough just to fill in the European Report. Therefore, we advise you to call the police.

A minor damage is considered to be the damage on the vehicle which does not exceed 500 BAM.

HOW CAN YOU SUBMIT A CLAIM IF YOU VEHICLE IS DAMAGED?

  • By coming to our nearest office
  • By sending  a completed claim form to the address: „Euros osiguranje a.d. Banja Luka“
    Bulevar srpske vojske 7
    78000 Banja Luka

REQUIRED DOCUMENTS FOR CAR INSURANCE CLAIM

  • Minutes of the Interior Ministry from the accident site.
  • Copy of ID card of the owner of the damaged vehicle
  • Copy of the Traffic Permit of the damaged vehicle
  • A copy of the Driver's licence for the damaged vehicle
  • A copy of the bank account
  • Application form for damage