Frequently asked questions

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.

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.

The State Police must be called if there are injured persons in a road traffic accident (RTA), there are more than 2 vehicles, as well as if the drivers cannot agree on the circumstances of the RTA and fill out the agreed statement. The State Police must also be called in situations where one of the drivers of the vehicles involved in the RTA is under the influence of intoxicating substances or has left the scene of the incident.

Balcia Insurance SE Krišjāņa Valdemāra Street 63, Riga, LV-1010 82222 balcia@balcia.lv

Insurance Joint Stock Company «BALTA» Skanstes Street 25, Riga, LV-1013 67533375 balta@balta.lv

BALTIC INSURANCE HOUSE Insurance Joint Stock Company Antonijas Street 23, Riga, LV-1010 67080408 office@ban.lv

Insurance Joint Stock Company BTA Baltic Insurance Company Sporta iela 11, Riga, LV-1013 26121212 bta@bta.lv

COMPENSA VIENNA INSURANCE GROUP ADB Latvian branch Vienības gatve 87H, Riga, LV-1004 67558888 info@compensa.lv

ERGO Insurance SE Latvian branch Skanstes Street 50, Riga, LV-1013 +371 67081887 info@ergo.lv

ADB «GJENSIDIGE» Latvian branch Gustava Zemgala gatve 74A, Riga, LV – 1039 67112222 info@gjensidige.lv

If P&C Insurance» AS Latvian branch Republikas laukums 2a, Riga, LV-1010 +371 67338333 info@if.lv

Swedbank P&C Insurance» AS Latvian branch Balasta dambis 15, Riga, LV-1048 67444449 apdrosinasana@swedbank.lv

Persons involved in a road traffic accident (RTA) shall notify the State Police of the accident or fill out an Agreed Statement (AS). Filling out an AS is possible only in cases where only two vehicles are involved in the RTA, if both drivers involved can agree on the circumstances of the RTA, if no people were injured, no damage was caused to third party property, and the vehicles did not suffer damage that would prevent or prohibit them from driving. In any other situation, drivers must notify the Traffic Police of the RTA that occurred.

If the RTA is drawn up using the Harmonized Notice, the at-fault party must submit it to their insurer no later than 10 days.

If one of the drivers of vehicles involved in a road traffic accident (RTA) arbitrarily leaves the RTA site and does not fill out the agreed statement, refuses to fill it out or it is impossible for both parties to fill it out, the driver of the other vehicle shall immediately notify the State Police about the RTA. The injured party shall submit an application for damages caused by the RTA to the insurer of the other vehicle involved in the RTA or LTAB, if the insurance compensation is to be paid from the Guarantee Fund (ie the civil liability of the owner of the other vehicle involved in the RTA was not insured). The responsible insurer can be found by the vehicle registration number in the section "Search for the responsible insurer".

Persons claiming compensation for damages are obliged to maintain the vehicle and damaged property in the condition in which it was after the road traffic accident until it is inspected in accordance with the procedures prescribed by law by an expert of the insurer who insured the civil liability of the owner of the vehicle that caused the damage, or LTAB expert, if the insurance indemnity is to be paid from the Guarantee Fund, or until the time when a refusal to conduct an inspection is received.

Insurer or LTAB is entitled not to carry out an inspection of the vehicle that caused the road traffic accident (CSA), and within five days (counting from the day of receipt of the agreed notification or application) it shall inform the owner or authorized user of the vehicle in writing. If the insurer or LTAB has decided to carry out an inspection of the vehicle that caused the RTA, it must be carried out within five days (counting from the day the insurer or LTAB received the agreed notification or application).

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.

If a person is not satisfied with the decision made by the insurer, they have the right to appeal to LTAB with a complaint, indicating the location of the RTS, date, registration numbers of the vehicles involved and the nature of the complaint. After receiving the complaint LTAB will assess whether the insurer's decision is justified and will provide an opinion. It should be noted that LTAB The opinion is of a recommendatory nature. A complaint can be submitted LTAB on the website: https://services.ltab.lv/lv/Complaint, send an electronically signed application by e-mail or a paper signed application by mail.

Insurance compensation for losses caused by a road traffic accident (RTA) is paid to victims of a RTA by the insurance company that insured the civil liability of the owner of the vehicle that caused the losses. If the vehicle of the person causing the RTA is registered and insured in another country, then the losses are compensated by the representative of this insurer in Latvia or, if there is none, – LTAB.

If the persons involved in the RTAs are known, but due to their contradictory testimonies it is not possible to determine the degree of responsibility of these persons, then when compensating for damages, it is assumed that the degree of responsibility of the persons involved in the RTAs is the same.

If a pedestrian is injured in a traffic accident and is not recognized as the cause of the traffic accident, and the fault of the driver of the vehicle involved in the traffic accident cannot be proven, insurance compensation will be paid. LTAB.

If the accident was caused by an uninsured vehicle or a vehicle that left the owner, keeper or user's possession through no fault of his or her, but due to the illegal actions of another person (i.e. the vehicle was stolen and reported to the State Police), the losses are covered by the Guarantee Fund, which is administered by LTAB.

If the accident was caused by an unidentified vehicle (left the scene of the accident), then only the following are compensated:

– Damages caused to a person;

– Damage to property caused by performing the necessary rescue work for persons injured in a road traffic accident or due to damage to the vehicle used to transport the injured person to a medical institution or staining of the interior of this vehicle;

– Compensation for the aforementioned losses is made from the Guarantee Fund.

According to the MTPL Law, neither the insurer nor LTAB does not compensate for damages caused to the person and property of the owner or authorized user of the vehicle that caused the road traffic accident.

A person who claims to receive insurance compensation for damage to their property may file a claim within one year from the date of the road traffic accident (insured event). However, if a person claims to receive insurance compensation for damage to health, the claim may be filed within three years from the date of the insured event.

Compensation is provided for damage to the vehicle in order to restore it to the condition it was in before the road traffic accident. Compensation may also be received for the evacuation of the vehicle, if such was necessary. Compensation is provided for the destruction of the vehicle, if its repair is not technically possible or economically unjustified; for damage to the road, road structure, building, structure and other property, and damage to the environment.

Similarly, as a result of the RTAs, material losses for health damage caused to a person are compensated from the MTPL; state and local government expenses for the treatment of victims and the benefits and pensions paid out; funeral expenses, as well as the opportunity to receive a lump sum payment for non-material losses.

Upon the occurrence of an insured event, the insurer who insured the civil liability of the owner of the vehicle that caused the loss, or LTAB (if the insurance indemnity is to be paid from the Guarantee Fund) covers losses, not exceeding the specified limit of liability of the insurer: for losses caused to a person up to 5 euros (regardless of the number of victims), and for losses caused to property up to 000 euros (regardless of the number of third parties).

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.

The standard contract or OCTA policy is valid in the countries of the European Economic Area and other countries that have joined the multilateral agreement between the national insurance bureaux of the member states of the European Economic Area and other countries. Information on what insurance policy is required in a particular country can be found at LTAB on the website: https://www.ltab.lv/for-insured/risks-for-insured/when-octa-policy-is-needed-abroad/

In Europe, the OCTA system is connected through national motor vehicle insurance bureaus. Each country has its own OCTA register, for example: Germany – Deutsches Büro Grüne Karte; Lithuania – Lietuvos transporto priemonės draudikų biuras; Estonia – LKF (Eesti Liikluskindlustuse Fond). These bureaus store data on OCTA policies, paid compensation, and insurance history.

The amount of the insurance premium is determined by the insurer, taking into account the type of vehicle, purpose of use and other factors affecting the risk, including the accumulated insurance history of the vehicle owner and/or registered holder. A certificate of insurance history accumulated abroad can be submitted LTAB on the website: https://services.ltab.lv/lv/InsuranceHistory/ForeignReport, and it will be available to MTPL insurers who have the right to provide MTPL services in Latvia.

The OCTA contract for each vehicle used in road traffic is concluded by the owner of the specific vehicle. In cases where the owner has transferred the vehicle for use to another person, the insurance contract is concluded on behalf of the owner by the authorized user of the vehicle, provided that an insurance contract has not already been concluded for the specific vehicle or the term of the insurance contract has expired.

A standard MTPL contract is an insurance contract concluded in respect of:

– a vehicle registered or alienated in the Republic of Latvia;

– a vehicle confiscated or deregistered in another country in order to be exported from the relevant country and registered in the Republic of Latvia;

– a vehicle not registered in the Republic of Latvia, which is equipped with special registration plates issued by the Road Traffic Safety Directorate or the State Technical Supervision Agency, for the purpose of moving a vehicle intended for sale to a place of sale or storage, or for test drives with such a vehicle;

– in relation to a new vehicle that has not been previously registered in the Republic of Latvia, as well as in other countries, if it is first registered in the Republic of Latvia.
The standard contract is valid in all countries of the European Economic Area

A border insurance contract is an insurance contract concluded in respect of a vehicle registered in a country that is not a member of the European Economic Area. A border insurance contract is concluded on the condition that the driver cannot present a valid third party liability insurance contract in the territory of the Republic of Latvia.

The border insurance contract is valid within the territory of the European Economic Area.

A Green Card is an international insurance contract concluded in respect of a vehicle that participates in road traffic in a country that is a member state of the Green Card system. The owner of a vehicle registered in the Republic of Latvia may conclude an international insurance contract only with an insurer that is LTAB member.

The Green Card is valid in the countries specified in the insurance contract.

You can find a list of countries where insurance contracts issued in Latvia are valid. here

The agreed statement can be filled out if there has been a minor road traffic accident between 2 vehicles, there are no injuries and the drivers of both vehicles involved can agree on the circumstances of the accident. The agreed statement can be filled out not only in paper form, but also LTAB in the app LTAB_OCTA, as well as in the messaging app WhatsApp, where you will need to verify your identity with SmartID or E-signature tools.

Yes, it is valid. Furthermore, if you do not have the Harmonized Declaration with you, but after an accident you are offered to fill out the Harmonized Declaration of another European country, you can safely do so even without knowing the language of the specific country, because their content, structure, text and colors are identical throughout Europe.

Please note that the Agreed Statement can only be completed if only 2 vehicles are involved in a road traffic accident (RTA), if there are no injured persons, if there is no damage to third party property, if the vehicles involved in the RTA do not have such damage that they may not or cannot continue their journey, as well as if the drivers involved in the RTA are able to agree on all the essential circumstances of the RTA. The Agreed Statement must be completed by both drivers.

! The accident sketch should show the vehicles at the time of the TSA collision, not after it.

Photographs taken during the RTA may also be useful in clarifying the circumstances of the RTA, which can be attached to the Agreed Statement. The statement must be signed by the persons involved in the RTA. With your signature, you or the other party do not admit your guilt, but only confirm that the facts recorded or marked with a cross in the statement are true.

The coordinated notification may only be completed if:

• Only 2 vehicles are involved in a road traffic accident (RTA);
• No one was injured;
• No damage has been caused to the property of a third party;
• The vehicles involved in the RTAs have not suffered any damage that would prevent or prevent them from continuing their journey;
• Drivers involved in the RTA are able to agree on all essential conditions of the RTA.

The inside of the agreed statement contains instructions on how to complete this document. Agreed statements are printed on self-copying paper and must be completed with a ballpoint pen, resulting in an original and one copy. The original and the copy are divided between the two drivers of the vehicles involved in the accident, each of whom subsequently submits one to the insurer.

After completing the Harmonized Statement, no corrections may be made to it!

It is important that the accident sketch shows the vehicles at the time of the RTA collision, not after it. Photographs taken at the time of the RTA may also be useful in clarifying the circumstances of the RTA, and can be attached to the Agreed Statement when submitting it to the insurer.

GUIDE ON HOW TO COMPLETE THE HARMONIZED NOTICE

If a road traffic accident (hereinafter referred to as “RTA”) occurs in a member state of the Green Card system that is not a member state of the European Economic Area, the persons involved in the RTA must report the accident to the Traffic Police and the Green Card office of that country. The addresses and telephone numbers of the Green Card offices of the member states of the Green Card system are indicated on the back of the Green Card policy form.

Losses are calculated and compensated according to the legislation and limits of the Green Card Member State in which the RTA occurred. In some Green Card Member States, the liability limit is unlimited.
If you have suffered a loss abroad as a result of a traffic accident, the compensation for which is provided for by legislation, you must apply to the insurance company that has insured the civil liability of the at-fault driver with a claim for compensation for your losses. If this is not possible, you must notify the Green Card office of the relevant country.

The Motor Insurers' Bureau provides assistance to Latvian policyholders in defending their rights and interests abroad in matters related to compulsory third party liability insurance for land vehicle owners.

It should be noted that with Latvia becoming a member state of the European Union, relations with the countries of the European Economic Area, including other Member States of the European Union, have also changed. A standard contract policy issued in Latvia is now valid throughout the territory of the European Economic Area, and a compulsory motor third party liability insurance policy issued in a country of the European Economic Area is also valid in the Republic of Latvia.
If the civil liability of the owner of the vehicle that caused the road traffic accident has been insured by a national insurance company of the European Economic Area, the loss shall be compensated by its authorized representative in the Republic of Latvia or, if there is none, by the Motor Insurers' Bureau. However, the person has the right to apply directly to the insurer that insured the civil liability of the owner of the vehicle that caused the loss.