PRIJAVA I RJEŠAVANJE ŠTETE

U slučaju sudara sa vozilom crnogorske registarske oznake

Vaš odštetni zahtjev podnosite društvu za osiguranje kod kojeg je izazivač nezgode (štetnik) osiguran od autoodgovornosti. Vaš zahtjev možete podnijeti sjedištu društva ili nekoj filijali društva koje je izdalo polisu osiguranja.

U Crnoj Gori se 6 društava za osiguranje bave poslovima osiguranja od autoodgovornosti i njihove adrese možete naći ovdje.

Procjena visine štete koju ste pretrpjeli obračunava se u skladu sa Pravilnicima koje je na predlog Nacionalnog biroa osiguravača Crne Gore usvojila i objavila Agencija za nadzor osiguranja Crne Gore u Službenom listu br. 35/09, od 03.06.2009. godine.

U slučaju sudara sa vozilom inostrane registarske oznake

Pursuant to Article 38 of the new Compulsory Traffic Insurance Law (Official Gazette No. 44/12 dd. 9th August 2012) person, suffering damages caused by use of motor vehicle bearing foreign registration plates, with a valid Green Card, in accident on the territory of Montenegro, submits his/her claim to either Association – National Bureau of Montenegro Insurers, insurance company or person/entity authorized by Association to conduct activities arising from international agreement on insurance of motor vehicle owners against liability for damages caused by use of motor vehicles in the country or abroad. Association –National Bureau of Montenegro Insurers has been accepted as a full member of the Council of Bureaux in Brussels (international organization that coordinates the Green Card System) as of 1st February 2012.  Savjeta Biroa u Briselu (međunarodne organizacije koja koordinira rad članica Sistema zelene karte) od 01.02.2012. godine.

Therefore, in case of accident with a vehicle bearing foreign registration plates you can submit your claim directly to the Association or an insurance company conducting motor third party liability business, which will register claim or instruct you on further proceeding in order for you to compensate the damage. The Association will forward your claim to nominated correspondent of foreign insurer, in line with legal regulative, for further procedure and settlement, or if foreign insurer does not have a nominated correspondent in MNE, your claim will be forwarded to one of insurance companies, Association’s member, bearing in mind conflict of interests

The precondition for compensation of damages sustained by Montenegro citizens are that the driver of vehicle bearing foreign registration plates is liable for causing the accident and that he/she is in possession of a valid green card. In order to exercise your right to compensation more efficiently, you should ask the driver of a vehicle bearing foreign registration plates to give you a copy of his/her Green Card. If a driver does not have a copy, make sure to write down all necessary information of identification document and Green Card and especially the following:

1. Be sure to enter the entire number of the green card, that is, Country (international designation for the country from which the vehicle comes)/Insurer (numerical code) / Number (number of the green card);
2. validity period of the Green Card;
3. name of the Insurer issuing the Green Card;
4. if you are not able to do so it is crucial to copy Green Card presented by other participant or photograph it with your mobile phone.

The above mentioned recommendations will assist you to compensate your claim as efficiently and quickly as possible.

In case a vehicle bearing foreign registration plates had border insurance policy issued by local insurance company, the claim should be submitted to that insurance company.

U slučaju sudara sa neosiguranim ili nepoznatim motornim vozilom

You can submit your compensation claim to the National Bureau of Insurers of Montenegro or one of our insurance companies, which will receive it and forward it to the National Bureau of Insurers for competent resolution.