After a car accident, the problem doesn't stop when the car is repaired. There may be medical expenses, sick days, lost income, pain, stress, physical limitations or other effects to be considered separately.
If you suffered loss or injury, you may be entitled to compensation under compulsory motor third-party liability insurance (RCA), depending on fault, evidence, medical records and the extent of the harm.
What compensation can you claim after a car accident?
Compensation can cover several categories of damage. Where appropriate, they may be requested:
• car repair costs;
• medical and rehabilitation expenses;
• transport, investigations, treatments and medicinal products;
• lost revenue due to the accident;
• non-pecuniary damages for physical and psychological suffering;
• compensation for damage to family or professional life;
• loss arising from bodily injury or, in serious cases, death.
Why should not the first RCA offer be accepted automatically?
In many cases, the insurer may make an offer of compensation lower than the actual damage. The first tender must be carefully analysed, especially if there are injuries, non-pecuniary damages or expenses that have not been included.
Once an offer is accepted, it may be more difficult to obtain additional amounts. Therefore, it is recommended that you check the papers before signing.
What is the deadline for the RCA insurer to respond?
After submitting the claim for compensation, the RCA insurer must analyse the file and respond under the law. The answer may be an offer of compensation or a statement of reasons for refusal or partial admission.
If the insurer is late, unjustifiably refuses or makes too small a tender, the situation must be documented and legally analysed.
What documents are important?
• documents recording the accident;
• RCA policy and insurer data;
• medical documents, medical leave, limitations and investigations;
• invoices, receipts and repair estimates;
• accident-scene photos;
• witnesses or other relevant evidence;
• correspondence with the insurer.
When do you need a lawyer?
Consulting a lawyer is advisable where an accident caused injury, the compensation offered is too low, the insurer delays its response or shared fault is disputed.
A lawyer may calculate claims more realistically, make the claim for compensation and support proceedings against the insurer, including in court if necessary.
Request an assessment of your compensation claim
If you were involved in a road accident and want to know what compensation you can claim, send the documents for analysis. We review the documents, the RCA offer and the steps available to claim pecuniary and non-pecuniary damages.
Frequently asked questions
Can I receive non-pecuniary damages after a road accident?
Yes, if the accident has caused physical or mental suffering, injury or other relevant consequences, non-pecuniary damage can be requested and proven.
Do I have to accept the first offer of the RCA insurer?
No. The offer must be analysed before acceptance, especially if there are serious injuries or expenses.
What do I do if the insurer refuses compensation?
The refusal must be legally verified. In the light of reasons and evidence, further proceedings or action may be brought.
Can I claim compensation for lost income?
Yes, if you can prove the connection between the accident and the loss of revenue, they may be part of the damage claimed.
