Insurance and Inspection
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How Is the Comprehensive Insurance Premium Determined? Factors That Raise and Lower the Premium
The comprehensive insurance premium is determined by the vehicle's market value and age, the driver's profile, no-claims history, province of residence, the vehicle's intended use, and the coverage and deductible options you choose. The insurance com…
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What Happens to the Process When Your Car Is Written Off?
A total loss decision is a total damage decision issued when the repair cost of the vehicle exceeds its market value; from that point on, the process goes through the expert report, compensation calculation, salvage value, and registration procedures…
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Kasko or Traffic Insurance? Which One Pays in Which Situation?
Casco is an optional insurance that covers damages to the insured's own vehicle, while traffic insurance is a legally mandatory insurance that pays for the material and bodily damages you cause to the other party in an accident where you are at fault…
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What Does Traffic Insurance Pay For, and What Doesn't It Cover?
Mandatory traffic insurance covers the other party's bodily and material damages within certain limits if you are at fault in an accident; damage to the at-fault driver's own vehicle is excluded and only comprehensive coverage (kasko) takes care of i…
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How to Collect Compensation from the Other Party's Insurance?
If you are the faultless party in an accident, to collect compensation from the at-fault driver's mandatory traffic insurance, you must first make a written application to the insurance company, wait for the company to respond within at most 15 days,…
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Why Doesn't Comprehensive Insurance Cover Every Kind of Damage? Exclusions in the Policy
Although comprehensive insurance (kasko) is a type of insurance that secures your vehicle against theft, accidents, fire, and natural disasters, it does not cover every damage. The general terms on which the policy is based explicitly list the exclud…
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What to Do If Your Vehicle Registration Certificate Is Lost? Renewal and Registration Process
When a vehicle registration certificate, officially known as the motor vehicle registration document, is lost, what needs to be done is clear: first file a loss report with the police or gendarmerie, then visit any notary to issue a new document. The…
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What Does "Without Address" Notation Mean and How Does It Affect the Vehicle Owner?
The "no address" notation is a practical expression describing the situation where the owner's residential address information is missing or has not been updated in the vehicle's registration record and related documents. Since the address is a manda…
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What Happens If a Car Fails Its Periodic Inspection? Fault Points and the Process
A vehicle that fails the inspection is not fined; the vehicle owner is granted the right to a free re-inspection within 30 days. The report is issued according to minor, major, and unsafe defect classes; for exhaust-related errors, repair and re-meas…
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No-Claim Discount Guide: Steps, Transfers, and the Right to Compensation
The no-claims discount refers to the discount you earn on the premium you will pay the following year when you complete your policy period without any claims. In traffic insurance, it is kept in a step system ranging from 0 to 8, it is defined to the…
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