How to act after MTPL car accident abroad?
Answer: After MTPL car accident, the drivel, based on the legislation of the respective state, must act as follows:
1) to call the police or
2) to fill in an accident statement.
In the case if the police are called, please, keep a copy of police statement.
In the case if an accident statement is prepared, please, keep one of the copies of the statement.
After having returned to Latvia, the owner of the car who has IJSC Seesam Latvia MTPL police must, as soon as possible, inform IJSC Seesam Latvia reimbursement department calling 67061000 and submit an application for MTPL insurance reimbursement for the car accident by attaching thereto a copy of the police statement or accident statement, as well the vehicle must be presented if requested by the insurance company.
Note that IJSC Seesam Latvia has the rights to turn upon the owner of the vehicle according to regression procedure in the case if the owner has not informed the insurance company on the car accident wherein the owner has been involved and recognized as the guilty party.
Whether the Seesam client for the Motor Third Party Liability Insurance must mandatorily show his damaged car and submit an application on a car accident in the case of the accident is caused by a Motor Third Party Liability Insurance client? Whether it is also necessary to be done in the case if the car accident is also registered by the police?
Answer: If an accident statement is filled in at the location of the car accident, then the person who has caused the car accident and who owns Seesam MTPL insurance must submit this accident statement to the payment department of the IJSC “Seesam Latvia”, show the motor vehicle and write an explanation on the car accident. The same conditions apply to cases when the car accident is registered by the police. The guilty party must show the vehicle and write an explanation on the accident.
Where can I report on a car accident if there is no representation office in my neighbourhood (if the accident has occurred outside Riga, Liepāja, Ventspils or Daugavpils)?
Answer: You must print out a MTPL insurance application that you can find in the IJSC “Seesam Latvia” home page http://www.seesam.lv/lv/claims/traffic/ (victim of guilty party), fill it in by indicating the address and contacts of the owner of the damaged vehicle, property or goods necessary for inspection thereof. The application then must be sent to the IJSC “Seesam Latvia” payment department to the fax 67061040. An agent would get in touch with you to proceed with further document drafting and selecting of an expert for inspection of the damaged vehicle, property or good.
I am a victim of a car accident. The guilty party is Motor Vehicle Insurance client, whilst I have MTPL insurance. What institution should I address to report on the accident? Can I address Seesam of the guilty party and my MTPL insurer?
Answer: You can choose whether to address the Motor Vehicle Insurance Company of the guilty party of your MTPL insured, but damages will be reimbursed only by one of the companies.
Why it is necessary to submit an authorization on the applicant or an application on the kind of reimbursement according to the Motor Vehicle Insurance if the applicant is not the owner of the damaged vehicle, property or goods?
Answer: One of the objectives of the Motor Vehicle Insurance Law is to regulate legal relations between owners, users (holder of a motor vehicle) and insurers of motor vehicles. Consequently, this is only the owner, legal user of the damaged motor vehicle or a specially authorized person that can choose the kind of insurance reimbursement.
What is the period for reviewing an application for reimbursement of the Motor Vehicle Insurance?
Answer: If the guilt of the party that caused a car accident has been established or a person who committed the accident is known and losses undergone are calculated, then, within three months from the date of receipt of the application but no later than three months after the date of receipt of all necessary documentation, the insurance company shall make a decision regarding reimbursement of insurance and send a respective written information to the claimer of the insurance reimbursement.
Is it possible to receive the reimbursement in cash?
Answer: The owner of the damaged motor vehicle, property or goods receives insurance reimbursement in the form of a bank transfer according to the Motor Vehicle Insurance. In a separate application, the owner of the damaged motor vehicle, property or goods may also indicate another person to whom to transfer the reimbursement.
How to cancel or terminate a policy?
Answer: To cancel or terminate a policy the following documents must be submitted:
1. Completed application for cancellation or termination of an insurance policy.
2. If a bank or leasing company is indicated as a beneficiary or the insured person in the policy, then, together with a written notice or the Policy cancellation application, the policyholder (or his authorized representative) or the vehicle owner (or his authorized representative) shall submit to the insurer an official letter of the bank or the leasing company containing authorisation of the bank or the leasing company to cancel this insurance contract.
3. Power of attorney from the policyholder or the owner of the vehicle, if the refundable premium is refunded to another person.
In addition, if due to reasons given below a MTPL policy is cancelled, the customer must submit a document (documents) confirming any of the following reasons:
a) the vehicle was alienated;
b) the vehicle has been withdrawn from possession of the owner, holder or user not through their fault, but due to another person's illegal activity, and it has been reported to the relevant law enforcement authorities according to procedures set out in regulatory enactments;
c) any particulars specified in the insurance contract are incorrect;
d) a legal person is liquidated or its name has been changed.