Motor Insurers'
bureau of Latvia

This is stipulated in Section 13 of the MTPL Law. (1) When concluding an insurance contract, the amount of the insurance premium for the owner of the vehicle is determined by evaluating the number of insurance indemnities paid during the validity of previous insurance contracts, the number of cases established in accordance with the procedures specified in regulatory enactments when the vehicle was driven while committing administrative violations for which violation points are registered, and criminal offences against traffic safety, as well as by evaluating the information contained in the certificate of insurance history and other factors affecting the risk. (2) When concluding an insurance contract, for the purpose of determining the amount of the insurance premium, the vehicle holder indicated in the vehicle registration certificate is equated with the owner of the vehicle. (3) If the insurer uses a certificate of insurance history in determining the amount of the insurance premium, the insurer shall take into account the aforementioned certificate regardless of the Member State in which it was issued, and shall not increase the insurance premium depending on the nationality or Member State of previous residence of the owner or authorised user of the vehicle. (4) The insurer shall indicate on its website how it uses the insurance history certificate in determining the amount of the insurance premium.

If the accident was caused by an uninsured vehicle, the losses are covered by the Guarantee Fund, which is administered by LTAB, and the claim for loss must be submitted to one of 3 insurance companies – Baltijas Apdrošināsanas Nams AAS, ADB «GJENSIDIGE» Latvian branch or If P&C Insurance» AS Latvian branch. From July 1, 2026, it will be possible to submit it to any insurer of your choice.

Everything is stipulated in Article 15 of the MTPL Law. 1) compensation for damages caused to a person - up to 6,450,000 euros, regardless of the number of injured persons; 2) compensation for damages caused to property - up to 1,300,000 euros, regardless of the number of third parties. Damages exceeding the limits can be claimed under civil law.

A person claiming insurance compensation shall notify the RTA and submit an application for an insured event to the insurer that has insured the civil liability of the owner of the vehicle that caused the damage (at fault). The liable insurer can be found out LTAB on the website: https://services.ltab.lv/lv/RespInsurer To receive compensation for property damage, an application must be submitted to the responsible insurer within 1 year from the date of the RTA, for damage to personal health – within 3 years from the date of the RTA.

Leaving the scene of a road traffic accident after a road traffic accident, in violation of the established procedure, shall be subject to a fine of two to eleven fine units for the driver of a bicycle or electric scooter, but to a driver of another vehicle - from fourteen to one hundred and forty fine units and a ban on the use of the right to drive vehicles for a period of three months to two years or without a ban on the use of the right to drive vehicles. One fine unit is 5 EUR.