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What to do in case of an accident?

CMTPL

In case of an Insurance event, it is necessary to:

In case of property damage of up to AMD 100,000

If:

  • Only two vehicles are involved in the accident, out of which at least one has active CMTPL policy
  • Damage, as a result of the accident, was caused only to those vehicles
  • The person causing the damage accepts that he/she is the only one guilty in the accident, and there is a mutual agreement on this
  • The injured does not require more than AMD 100,000 from the guilty side as a damage compensation

then, it is necessary to:

1. Take at least 3 pictures of the vehicles involved in the accident, by any means, including any phone.Moreover, the photography (video) shall be performed the way that the photos (video) at least reflect the post-accident mutual positions of the two vehicles and the total damages of each vehicle as a result of an accident.

2. Fill out and sign the Agreed Statement (by the drivers involved in the accident).

3. Free the roadway, in case if the post-accident positions of the vehiclesdisturb the general traffic,

4. The driver who caused the damage informs the Insurer about the car accident by the telephone number mentioned in his/her car's CMTPL policy,

5. After informing the insurance company, drivers leave the accident site with their cars (attention: drivers don't need to wait for the insurance company at the accident site).

The injured shall provide the following to the insurance company within 5 working days after the occurrence of the accident:

  • Signed Agreed Statement
  • Application to get compensation
  • Soft versions of made photographs or video
  • Provide the Company with an opportunity to examine the damaged vehicle

 

In case of standard claims procedure, it is necessary to:

  1. Within 40 minutes after the occurrence of an accident inform SIL INSURANCE Company by the 24/7 telephone number (+37410) 56-88-27 and follow the instructions of the Company’s employees.
  2. Immediately inform the respective legal bodies about the accident, especially:
  • Road Traffic Police Department (1-77, (010) 52-27-63)
  • Emergency / Ambulance (1-03), in case of bodily injuries

      3. Not relocate the vehicle or objects related to the accident, not leave the accident site until the arrival of the employees of a respective authorized body (bodies) representative.

      4. Take reasonable and necessary measures to prevent or minimize the damages.

      5. Not take any responsibility or make any offer, promise or payment without the company’s agreement.

      6. Pass a sobriety test, if necessary.

      7. Not perform repair works of the damages without the company’s agreement.

 

MOTOR INSURANCE

In case of an Insurance event, it is necessary to:

1. Immediately inform SIL INSURANCE Company by the 24/7 telephone number (+37410) 56-88-27 and follow the instructions of the Company’s employees.

2. Immediately inform the respective legal bodies about the accident, especially:

  • Road Traffic Police Department (1-77, (010) 52-27-63), in case of a physical damage of the vehicle
  • Police Department (1-02), in case of vehicle loss, hijacking
  • Fire Department (1-01), in case of fire
  • Rescue Services (9-11), in case of natural disasters
  • Police Department (1-02), in case of damage by the third parties
  • Emergency / Ambulance (1-03), in case of bodily injuries

3. Not relocate the vehicle or objects related to the accident, not leave the accident site until the arrival of the employees of a respective authorized body (bodies) and our company’s representative.

4. If possible, mark the plate numbers of the vehicle, the details of the driver, as well as take a photo (video) of the accident site.

5. Take reasonable and necessary measures to prevent or minimize the damages.

6. Not take any responsibility or make any offer, promise or payment without the company’s agreement.

7. Pass a sobriety test, if necessary.

8. Not perform repair works of the damages without the company’s agreement.

9. Inform Our company in a written form by submitting a claim form not later, than within 2 working days after the occurrence of the event.

PROPERTY INSURANCE

In case of an Insurance event, it is necessary to:

1. Immediately inform SIL INSURANCE Company by the 24/7 telephone number (+37410) 56-88-27 and follow the instructions of the Company’s employees.

2. Take necessary measures to prevent or minimize the damage.

3. Immediately inform the respective legal bodies about the accident:

  • Police Department, respective bodies of Fire and Emergency Departments, Rescue Services and Gas Emergency Service, in case of fire, explosion
  • Respective Emergency Department, Rescue Services and/or local municipalities, condominium, in case of water damage
  • Condominium, local municipalities, in case of glass breakage
  • Police Department, in case of robbery and all the illegal acts of third parties
  • etc.

The choice of applying to this or that service depends on the accident nature. You may apply for our assistance for choosing one of the respective services.

4. Keep the damaged property and accident scene unchanged and present it to our representative for examination and composition of an act as per defined forms, except for cases, when the change of the accident scene is necessary for security reasons.

5. Inform Our company in a written form by submitting a claim form not later, than within 2 working days after the occurrence of the event.

Police Department, 1-02

Emergency / Ambulance, 1-03

Fire Department, 1-01

RA Ministry of Emergency Services, 9-11

HEALTH INSURANCE

In order to apply for medical services covered by the Health insurance policy, you may refer to:

1. SIL INSURANCE ICJSC partner medical centres

In this case you will be exempted from payments and obligation to provide additional references, or

2. Any RA and NKR licensed medical centre

In this case you must make necessary payments and provide our company with certain documents on your own.

 

In case of an Insurance event, it is necessary to:

Inform SIL INSURANCE Insurance company within 24 hours, and as soon as possible in urgent and emergency cases, by 24/7 telephone numbers (060) 446-446, (010) 561-561 and provide:

  • name, surname
  • ID number
  • details of the accident
  • what kind of services do you need

Based on the nature of necessary medical service, our employee:

-  arranges a telephone call with the Company’s medical advisor, where the latter gives respective advices, and/or

-  arranges the Insured person’s visit to a respective medical centre

In this case, there is no need for the Insured person to approach SIL INSURANCE ICJSC in order to get a medical referral.

 

- If the Insured person passes their medical treatment at the Company’s partner medical institution, then he/she does not bear any obligation after the treatment or signing out, since we take care of all the further procedures with regards to payments and documentation without the Insured person’s participation.

- The Insured person has also an opportunity to acquire the medication prescribed by the doctor free of charge from the pharmacy network “Natali Pharm”.

- If the Insured person passes their medical treatment at a medical institution, which is not the Company’s partner, then he/she shall provide the following documents after the treatment or signing out:

1. Claim form

2. Medical statement authorized by the seal of the respective medical institution:

- Epicrisis, and/or

- Extract from the outpatient medical card, and/or

- Doctor’s consultation statement, and/or

- Reference provided by the medical institution

- The copies of paraclinical examination results (upon Insurer’s request).

  Moreover, in case of a dental claim it is necessary to provide a "Reference for dental claims".

3. Financial documents confirming the extent of damage:

- receipt, and/or

- cash order, and/or

- invoice

 

If the compensation is provided to the Insured person, then:

- The decision on provision of insurance compensation is made within 10 working days and, in case if the claim is approved, the insurance compensation is paid within another 10 working days.The payment is transferred to the Insured person’s personal account or, in case of absence of personal account;the Insured person shall be able to get the amount from any of the Armeconombank branches, upon provision of their passport.

- The Insured person shall provide the Insurer with the documentation supporting the insurance event and medical expenses not later than within 3 (three) months after the accident date; in the meantime, based on the insurance event, the mentioned period may be prolonged.The coupons of prescribed medication may be valid for not more than 1 (one) month from the date of prescription.

 

If the compensation is paid to the Medical institution, then the payment order and terms are regulated by the agreement signed between the Parties.

After making a positive or negative decision on the claim, each insured person receives a soft or hard copy of the claim statement.

TRAVEL INSURANCE

In case of accidents occurred during travel, it is necessary to:

1. not take any action on your own,

2. immediately inform SIL INSURANCE or call “Express Assist Center” assistance centre by 24/7 telephone number + 7 (495) 775 20 90 and provide the following information:

  • Your name, surname
  • Your location
  • Description of the accident
  • Contact phone number
  • Insurance policy number

3. get medical assistance in accordance with the instructions of the Assistance company

4. present the Insurance contract / policy to the one realizing the medical assistance (medical organization)

5. agree every action with the Assistance company

6. follow the doctor’s instructions

LAST UPDATE: 17.03.2020 16:50
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