Reporting of claims
INSURED INCIDENT - damage to the vehicle and its repair
Scope of vehicle insurance
AVIS MAXIRENT provides compulsory motor third party insurance and accident insurance. Each vehicle is provided with the relevant documents for this, and the insurance is valid in the states listed on the green card.
Liability insurance - PPL
Liability insurance covers anyone who is liable for damage caused by the operation of the motor vehicle named in the insurance policy. Under liability insurance, the insured has the right to have the insurer reimburse the injured party for claims made and proven on his behalf:
bodily injury and death costs,
damage caused by damage, destruction, theft or loss of property,
the costs reasonably incurred in connection with legal representation in pursuing the claims referred to in points (a) and (b),
loss of profit, if the event giving rise to the damage and for which the injured party is liable occurred during the period of liability insurance (within the meaning of Act No 381/2001 Coll. of the National Assembly of the Slovak Republic).
Liability insurance covers damage which occurred in the territory of the Slovak Republic or a foreign state with which the insurers' bureau has concluded an agreement on the mutual settlement of claims for compensation for damage caused by the operation of a motor vehicle (see "green card").
The insurer shall not pay for the insured in the event of liability for damages:
(a) suffered by the driver of the motor vehicle by the operation of which the damage was caused,
(b) under points (b) to (d) of the preceding paragraph
- for which the insured is liable to his spouse or to persons who were living in the same household with him at the time of the occurrence of the damage
- incurred by the holder, owner or operator of the motor vehicle, the operation of which caused the damage ...
(c) to the motor vehicle by the operation of which the damage was caused (including the goods being transported - excluding goods belonging to the persons being transported, other than the driver, his spouse and persons living in the same household with him)
(d) which the insured has paid or has undertaken to pay in excess of the amount prescribed by the regulations
(e) incurred by competitors or competitors in motor racing and competitions or in the preparation for them
(f) incurred by reimbursement of the cost of medical care, sickness insurance and pension benefits provided by reason of personal injury or death caused by the use of a motor vehicle
- where the person responsible for the damage has not been identified
- to the driver of the motor vehicle by the operation of which the damage was caused.
(These provisions have been taken from the legislation in force).
Procedure for settling a compulsory insurance claim
Compulsory contractual insurance - liability for damage caused by the operation of a motor vehicle.
In the event that the user of the vehicle causes a traffic accident by its operation, in which a person is killed or injured, if a road or a general utility facility is damaged, if dangerous goods have escaped, or if damage exceeding ten times the minimum wage has been caused to any of the vehicles involved, including the goods being transported, or to other property, the user is obliged to immediately report the traffic accident to the Police of the Slovak Republic (Act of the National Assembly of the Slovak Republic No. 315/1996 Coll., on the Traffic of Vehicles on Roads).
In the case of a traffic accident with damage less than ten times the minimum wage, it is necessary to fill in the form "Joint Declaration of Motor Vehicle Accident" at the scene of the accident with the other party (the injured party). Once both drivers have agreed and signed, each should take a copy of the report (in which case there is no need to call the police).
If the accident is a road traffic accident with damage less than ten times the minimum wage and the drivers have not reached an agreement (the report has not been signed by both parties), the SR Police should be called.
Then it is necessary to send as soon as possible (within five working days) to AVIS MAXIRENT (mail: info@avismaxirent.sk) a fully completed "Report of a vehicle damage event" form, to which it is necessary to attach information about damage to another vehicle or property, about the police who investigated the event (or send a copy of the police report) or a copy of the "Joint declaration of a motor vehicle accident" (if the event was not subject to reporting to the SR Police) and a copy of the driver's license of the person who was driving the vehicle at the time of the insured event. AVIS MAXIRENT arranges everything else with the contracted insurance company.
In the event that the insurance event in question has not been reported (subsequently investigated) by the Police of the Slovak Republic (and has been subject to reporting) or has not been reported to AVIS MAXIRENT within the prescribed period of five working days, the insurance company may recover the costs caused by such breach of conditions (up to the amount of the indemnity provided). AVIS MAXIRENT will then be obliged to over-invoice such amount in one lump sum.
Please note that the above procedure must also be followed in the event of an incident such as damage to the windscreen of another vehicle by a pebble blown from the user's vehicle.
The above mentioned forms are part of the documents handed over to the user of the vehicle by AVIS MAXIRENT.
Collision insurance
An insured event is any unforeseen and accidental damage event which, according to the terms and conditions of the insurance policy, entails an obligation on the part of the insurer to provide an insurance benefit.
AVIS MAXIRENT provides accident insurance of vehicles with cover against damage, destruction and theft, violent damage - vandalism, in the case of special insurance also luggage and in case of accident with territorial validity throughout Europe except for the countries of the former USSR.
The deductible is 15% according to the contract and a minimum of EUR 600,- (unless otherwise agreed in the contract).
The subject of insurance is the vehicle specified in the insurance contract, its parts and accessories forming its standard and compulsory equipment. The subject of the supplementary insurance for the vehicle's non-standard equipment are individual items of vehicle equipment, delivered to the vehicle additionally before their insurance is agreed, which do not belong to the vehicle's standard equipment and which have been specified by name in the proposal for conclusion of the insurance contract.
The insurer shall be entitled to reduce the indemnity accordingly in the event of:
- failure to report an insured event without undue delay
- false or incomplete statement of material facts relating to the insured event
- violation by the person entitled of the applicable generally binding legal regulations at the time of the insured event
- if the insured object has been damaged or destroyed as a result of its poor technical condition.
The insurer is entitled to refuse to pay in the event of:
- when during the term of insurance, without notifying the insurer, an additional key or driver was made to the vehicle, which significantly contributed to the occurrence of the insured event - theft, unauthorized use of the object by a stranger, etc.
- if, after the theft of the vehicle, not all the keys and controls of the vehicle have been surrendered, or any of the keys and controls surrendered does not belong to the stolen vehicle
- if at the time of the insured event any of the mandatory safety devices has not been put into working order, which contributed substantially to the insured event
(These provisions have been taken from the General Insurance Conditions for Motor and Trailer Accident Insurance of the contracting insurer).
AVIS MAXIRENT provides accident insurance for persons transported by motor vehicle. The insurance covers injuries sustained when starting the engine immediately before starting the journey, when getting in or out of the motor vehicle, when loading and unloading the goods to be transported, while the motor vehicle is in motion or in the event of a crash, during short interruptions of the journey (if the injury occurs in the vehicle or in the area intended for driving the motor vehicle) and when rectifying normal breakdowns of the motor vehicle (occurring in the course of the journey). The insurance covers the number of seats of the vehicle according to the Technical Licence, with the basic sum insured as standard for each person transported being EUR 6,639,- in the event of permanent injury and EUR 3,320,- in the event of death as a result of an accident (unless otherwise agreed in the contract ). Persons who do not have a permanent residence in the Slovak Republic are insured only in case of death by accident.
Procedure for settling an accident insurance claim
Any damage to the vehicle in use
In the event of damage to the vehicle, whether caused by the user or another road user, if the damage exceeds ten times the minimum wage, or by an unknown perpetrator (applies to any damage), it is necessary to immediately report this fact to the Police of the Slovak Republic, have everything recorded and subsequently notify AVIS MAXIRENT.
In the event of damage to the vehicle with damage less than ten times the minimum wage by another road user, the "Joint Declaration of Motor Vehicle Accident" form must be filled in together with the other road user at the scene of the accident. Once both drivers have agreed and signed, they should each take a copy of the report (in which case there is no need to call the police).
If the accident is a road traffic accident with damage less than ten times the minimum wage and the drivers have not reached an agreement (the report has not been signed by both parties), the SR Police should be called.
Then it is necessary to send as soon as possible (within five working days) to AVIS MAXIRENT (mail: info@avismaxirent.sk) a fully completed "Report of a vehicle damage event" form, to which it is necessary to attach information about damage to another vehicle or property, about the police who investigated the event (or send a copy of the police report) or a copy of the "Joint declaration of a motor vehicle accident" (if the event was not subject to reporting to the SR Police) and a copy of the driver's license of the person who was driving the vehicle at the time of the insured event. AVIS MAXIRENT arranges everything else with the contracted insurance company.
The aforementioned forms are part of the documents handed over to the user of the vehicle by AVIS MAXIRENT.
Attention :
If the prescribed forms are not completed in all the necessary points and signed by the vehicle user, they may not be accepted by the insurance company and the insurance claim may become almost "illiquid".
Theft of vehicle equipment (e.g. audio equipment,Hands-Free kit, wheels, etc.)
In the event of theft of demonstrably insured vehicle equipment, in addition to the documents referred to in the previous point, it must also be duly documented that the relevant equipment has been adequately secured (e.g. security cards for audio equipment, etc.). If this is not the case and it is not otherwise agreed in the contract, the insurer may reduce the insurance benefit. This will be re-invoiced on a one-off basis.
The claim for stolen audio equipment can only be considered if the equipment in question was insured with the vehicle. If the equipment is fitted to the vehicle when it is purchased (either from the factory or by the dealer before the vehicle is taken over), the amount for this equipment is part of the purchase price of the vehicle for which the vehicle is insured. In the event of a claim, AVIS MAXIRENT must provide evidence of its purchase price and its physical fitting to the vehicle (both evidenced by the invoice for the vehicle and the vehicle acceptance report). If the user supplies his/her equipment (either before taking delivery of the new vehicle or during its use) and wants it to be covered by the insurance, AVIS MAXIRENT must provide proof of acquisition (proof of purchase and installation of the equipment in the respective vehicle). Then, on the basis of the documents and the client's consent, the equipment in question will be re-insured.
Please note that luggage and personal belongings (including the radio with panel) should not be left in visible places in the vehicle. This will minimise the risk of the vehicle being burgled or stolen.
Caution :
Any attempted theft (damage to doors, lock, switch box, etc.) must be reported to the Police and dealt with as an insurance claim.
Theft of the complete vehicle
Upon discovering the theft of the vehicle, the user is obliged to immediately contact the Slovak Police and subsequently inform AVIS MAXIRENT. After the theft of the vehicle, in addition to the procedures described above for dealing with an insurance claim, all keys (including their intact code labels), other controls, possibly the car radio panel and other documents from the vehicle must be presented.
Ordering repairs to the damaged vehicle
In the event of minor damage to the vehicle (for which the vehicle does not need to be immobilised due to its unroadworthiness), the relevant authorised repairer should be contacted as soon as possible and an appointment arranged for the vehicle to be serviced at the earliest possible date. The agreed date must be kept in order to minimise the possibility of later misunderstandings. This will allow the workshop to stock up on the necessary parts if required (and possibly also provide a replacement vehicle for more time-consuming repairs).
In the event that the damage to the vehicle is of such a magnitude that it must be taken out of service immediately after the damage due to technical unfitness, it is necessary to arrange for the vehicle to be towed to a branded service centre after the damage has been investigated by the Police of the Slovak Republic and agreed with AVIS MAXIRENT.
Taking the vehicle to the service centre
When the vehicle is handed over for servicing, it is necessary to fill in the "Order form" and the vehicle service booklet (to be filled in by the receiving technician) at the service centre. When writing out the order form, it is the responsibility of the workshop to set out the estimated price of the service and the date of completion. This date, including the price, must be clearly stated on the order form, a copy of which will be given to the user of the vehicle. The workshop will then contact AVIS MAXIRENT and request approval to carry out the work in question. The approval, together with the client number, will be entered on the order form. At the same time, AVIS MAXIRENT will request a copy of the damage breakdown and damage estimate for the insurance company's use. He will also arrange for a representative of the insurance company to inspect the damage to the vehicle in cooperation with the repairer.
Collection of the vehicle from the workshop
The vehicle must be collected on the date specified on the order form or by arrangement with the receiving technician. In the event of non-compliance with the set date for completion of the service work without adequate justification (hidden defect, etc.), it is necessary to contact AVIS MAXIRENT. When taking delivery of the vehicle, it is necessary to check the service work carried out. The service then closes the order, prepares an invoice and sends it together with the attachments (order sheet, records of the relevant actions and interventions on the vehicle) to AVIS MAXIRENT.
Claim settlement and deductible
No later than on the day the vehicle is collected from the repair shop, all the required documents (most often the address of the SR Police who investigated the incident or their accident report, a copy of the driver's licence, etc.) must be delivered to AVIS MAXIRENT. If this is not done by the user, the repair costs will not be fully recoverable from the insurance company and the insurance company will be forced to re-invoice the user for the costs thus incurred in one lump sum.
If everything is properly documented, upon receipt of the repair invoice, the insurance company may close the claim and pay the insurance claim. If the insurer deducts the agreed excess, this will be re-invoiced in one lump sum. In the event that the culprit whose motor vehicle caused the insured event is known (another road user), the deductible will be applied against the insurance company where the culprit is insured.
Damages which do not exceed the minimum amount of the agreed deductible
In the event of damage to a vehicle in use (caused by the user or an unknown perpetrator) which clearly does not reach the minimum agreed excess, it is possible, in agreement with AVIS MAXIRENT, to simplify the entire procedure for dealing with the event in question by means of a subsequent one-off re-invoicing of the repair costs. This will save time, especially in relation to the recording of the incident by the police and reporting it to the insurance company.
In the case of damage to a vehicle in use caused by the motor vehicle of another road user, which also falls below the minimum agreed deductible, the repair costs can be claimed from the insurance company where the guilty party has liability insurance for the vehicle. The procedure described under 'Any damage to the vehicle in use' must be followed and, in addition, the name of the owner or keeper of the vehicle and the driver at fault, including address and telephone number, and the make and type of the vehicle, including the registration number, and the relevant insurance company with which the vehicle is insured must be specified on the form. In the absence of sufficient supporting documents, this will complicate the possibility of claiming compensation.
Claiming the cost of a replacement vehicle
In the event that a vehicle is damaged by another road user's motor vehicle, compensation for the costs incurred with a replacement vehicle can be claimed from the insurance company where the vehicle is insured . In order for AVIS MAXIRENT to be able to ensure this, an affidavit must be provided with the insurance claim in question stating that the user-client had no other option but to rent a replacement vehicle for a fee. Once the cost of the replacement vehicle has been paid by the insurer, AVIS MAXIRENT will transfer this amount to the client's account (if the client prepays for this service).
Procedure for settling an accident insurance claim
Each accident will be dealt with individually on the basis of a completed "Notification of Accident Insurance Claim" form, which AVIS MAXIRENT will send on request to the client. This form must then be endorsed by the doctor with whom the injured person was treated. The client (the injured person's employer) must confirm that the injury occurred during an insured event related to the use of the vehicle. If the insurance claim has been investigated by the Slovak Police, the conclusions of the investigation must also be documented.
The insurance does not cover injuries to persons transported in such places of the vehicle which are not intended for the transport of persons, then to injuries occurring during speed races and speed lined races (including training) and to injuries occurring during the type tests of vehicles during the approval of roadworthiness.
Procedure in the event of stolen or lost vehicle registration numbers and documents
In the event of theft or loss of the registration number (number plate), it is necessary to provide AVIS MAXIRENT with a certificate of reporting the theft or loss to the Police of the Slovak Republic, including, if applicable, the remaining 1 pc. The vehicle registration number (number plate) and the Vehicle Registration Certificate (VRC). AVIS MAXIRENT will then arrange for the issuance of a new registration number (number plate) and registration certificate at the Traffic Inspectorate (DI) Bratislava. After receiving the new registration number (number plate), it is necessary to arrange with AVIS MAXIRENT to ensure that changes are made to all documents related to the operation of the vehicle, such as changing the data on the fuel pump card (if supplied with the vehicle), white and green card, etc.
Theft or loss of the ATM must be reported to the SR Police. A confirmation of the report must then be promptly delivered to AVIS MAXIRENT. AVIS MAXIRENT will then arrange for a duplicate ATM to be issued. Without the confirmation of the report to the SR Police, it is not possible to ensure the issue of a duplicate ATM.
In the event of loss (or theft) of the receipt for the compulsory contractual insurance, Green Card, fuel card, assistance card, etc., it is necessary to inform AVIS MAXIRENT in writing. AVIS MAXIRENT will immediately report the loss (theft) further, or block the fuel card, assistance cards and provide duplicates of the relevant documents.
All of the described possibilities are viewed as insurance claims that do not exceed the agreed amount of the deductible, therefore the cost of securing the registration number (number plate), ATM and other documents will be invoiced to the vehicle user on a one-off basis.
Seizure of the ATM by the SR Police
If, e.g. in the event of damage to the vehicle by the SR Police , the original MOT document must be delivered to AVIS MAXIRENT as soon as possible. AVIS MAXIRENT will then arrange for the return of the impounded ATM as soon as possible after the vehicle has been restored to a roadworthy condition. The associated costs will be charged according to the degree of fault of the retention of the ATM. For poor roadworthiness, the costs will be re-invoiced once, for accident damage they will be charged to the insurance claim, etc.