If the person liable for a road accident has no compulsory motor liability insurance, the route for a claim changes, but it does not resolve the compensation question automatically. Record the circumstances, damage and information about the person against whom a claim may be brought.
Why direct compensation does not apply
Direct compensation is available only under statutory conditions, including compulsory insurance for the participants. If even one participant is uninsured, that route does not apply. This does not prevent assessment of other potential claims on the facts of the case.
What to keep
- accident documents and information about the participants;
- photographs and video of the damage, plus witness contacts;
- documents showing repair cost and expenses;
- correspondence, formal claims and proof of delivery.
Formal claim and court
The proper defendant, scope of the claim and procedure depend on the vehicle owner, the circumstances and the evidence. A lawyer can prepare the position and documents, but cannot promise recovery: the outcome depends on the facts and the court’s decision.