How to claim compensation?
Insurance compensation for losses caused by a road traffic accident (RTA) is paid to RTA victims by the insurer, who insured the civil liability of the owner of the vehicle that caused the damageIf the vehicle of the person causing the traffic accident is registered and insured in another country, then the losses are compensated by that country. insurer's representative in Latvia or, if there is none, – LTAB.
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.
If the damage is caused by an uninsured vehicle, the damage is compensated from the Guarantee Fund, which is administered by LTABIn cases where the insurance indemnity is to be paid from the Guarantee Fund, an application for an insured event must be submitted to the insurer with whom you have concluded a MTPL contract, or, if there is none, at your own discretion any insurer.
If the damage was caused by a vehicle with a foreign registration plate, the application for the insured event shall be submitted to the insurer who is the representative of the MTPL insurer of the owner of the vehicle that caused the damage in Latvia , or, if there is no representative, to the insurer with whom you have concluded a MTPL contract , or, if there is no such representative, to any insurer of your choice.
A person who does not claim insurance compensation shall submit a completed coordinated notification to the insurer with whom you have concluded a MTPL contract , or, if there is none, to the Motor Insurers' Bureau within 10 days of the RTA in the case where the RTA circumstances have been recorded using the coordinated notification paper forms, or shall inform in writing about the RTA if the RTA circumstances have been recorded by the State Police.
If the persons involved in the traffic accident 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 traffic accident is the same. If the pedestrian who was injured in the traffic accident 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, the insurance compensation is paid LTAB.