After a road traffic accident, vehicle damage, or another insured event, many people receive a decision from the insurance company that does not meet their expectations. Sometimes the compensation is lower than the actual repair costs. In other cases, the insurer refuses payment entirely or does not recognize part of the damages. 

Road traffic accidents always happen unexpectedly. Whether it is a minor collision, a serious crash, or damage to a parked vehicle, one of the most important questions after the incident is: what is the deadline for filing a Third-Party Liability insurance claim?

The accident has happened. Your heart is racing, your hands are shaking, and your thoughts are spinning in every direction. It is exactly in these first few minutes that most drivers make mistakes that later cost them dearly — either emotionally or financially.

You submitted the documents. The inspection is complete. And now — you wait. A day, two days, a week. The phone stays silent, emails go unanswered, and the repair bills keep piling up.

Receiving a denial under your Casco insurance policy is an unpleasant experience for any driver. After an accident, theft, vandalism, hail damage, or another loss, the expectation is that the insurer will cover the repairs or pay compensation. Instead, many people receive a denial letter — sometimes because of a missing document, a disputed damage mechanism, delayed notification, or reliance on an exclusion clause in the General Terms and Conditions.

Road accidents and vehicle damage are an unpleasant reality that many drivers face at least once. Whether it is a rear-end collision, a scratched bumper, a broken tail light, or a more serious accident, properly filing a car insurance claim is essential if you want to receive fair compensation from the insurance company.