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Claims under the third party liability insurance in Bulgaria

Deyan Nikolov – a Bulgarian attorney at law > Services > Claims under the third party liability insurance in Bulgaria

If you or a relative of yours have suffered damages in a car accident in Bulgaria you are entitled to an insurance compensation under the Motor third party liability insurance of the driver who has caused the accident.

 

When can you file a claim to the Insurer under the Motor third party liability insurance for payment of an insurance compensation?

The persons who have suffered damages can file a claim to the Insurer of the driver responsible for the accident under the liability insurance for payment of an insurance compensation immediately after the accident. If a police protocol has been composed for the accident or a bilateral ascertaining protocol has been composed in which the guilt for the occurred accident has been established it is not necessary to wait for the end of the criminal procedure (if such has commenced). In such cases, no matter whether the criminal proceedings have finished, the Insurer has to decide in a term of 15 days after presenting the necessary documents for the damage, but not later than 3 months after the initiation of the procedure.

 

How to settle a claim to under the Motor third party liability insurance for payment of an insurance compensation?

The claim of the damaged person shall be submitted in written form. The procedure of the settlemanet of the claim usually lasts for a couple of months and includes negotiations and correspondence as well as gathering and presenting the necessary documents to the Insurer. When the claim is prepared and settled by a qualified insurance lawyer the damaged person has the chance to receive a professional protection of his interests that leads to receiving compensation in reasonable time and in larger amount.

 

What damages does the Motor third party liability insurance cover in Bulgaria?

The Insurer under the mandatory liability insurance of the drivers covers the liability of the insured person for the damages caused by the possessed or utilized by the insured person motor vehicle to third persons, including pedestrians, cyclists and other participants in the road circulation.

 

The damages covered by the Insurer are:

  • The material and the non-material damages occurred as a result of a minor, average or severe physical injury or death;
  • Damages to another vehicle or other property;
  • Loss of earnings that is a direct and an immediate result of the damage (the accident)
  • The reasonably spent costs in connection with the submission of the claim to the Insurer.

 

The Insurer covers as well the liability of:

  • A person who is not tacitly or explicitly authorized to drive the motor vehicle under the condition the person has not acquired the possession by means of theft, robbery or a crime under Art. 346 of the Criminal Code.
  • A person who does not possess or who is not temporarily deprived of his/her driving license

 

Which persons are entitled to ask for payment compensation under the third party liability insurance?

The person who has suffered damages or whose property has been damaged  or whose relative has died as a result of a car accident, is entitled to a compensation from the Insurer, with whom the responsible driver has concluded a contract for third party liability insurance. The compensation can be demanded directly from the insurer. It is not necessary to be demanded from the responsible driver.

The responsible driver is entitled to an insurance compensation in case he has covered the damages of the damaged person.

Claims under the third party liability insurance in Bulgaria
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