Settlement of Motor Insurance Claims

Please, make sure you notify your claim to the competent insurance company.  In the event of a collision involving more than two vehicles at the same time, you should contact the company where the insurance of the person who caused the accident (not necessarily the person who directly hit you) is held.

Which insurance company shall settle your claim?

• If the accident was your own fault, your claim will be settled by the insurance company where your comprehensive motor (Motor Hull) insurance is held.
• If the accident was caused by a third party, your claim will be settled by the insurance company where the compulsory motor third party liability (MTPL) insurance of the party at fault is held.
• If you know the license plate number of the vehicle that caused the accident, MABISZ will provide you with information on the MTPL insurer of the party at fault.

If the party who caused the accident did not have valid MTPL insurance, please contact MABISZ at any of the following contact details: address: 1062 Budapest, Andrássy út 93., mailing address: 1381 Budapest 62., PO Box  1297., tel.: 06-1- 802-8400, e-mail: info@mabisz.hu

You can find the contact details of each insurance company under Our Partners.

Please note that the Electronic Accident Statement can be downloaded for Android from the Google Play Store and for iOS from the App Store.

When you notify the accident, please make sure you indicate where the damaged vehicle can be inspected and provide the telephone number (preferably a mobile phone number) of the person who files the claim. The competent insurance company will record the claim and place an electronic order with Atotal Insurtech Ltd. to survey the loss or damage.

Upon receipt of the order to inspect the claim, Atotal Insurtech Ltd. will attempt to contact you within one working day to arrange a time and place for the inspection. In some cases, it is also possible to carry out a Motor Hull and MTPL inspection of the vehicle with video recording of the damage or with a chatbot solution.

Within two working days of the inspection the expert of Atotal Insurtech Kft.  will prepare a claim calculation. The remaining steps of the claim settlement process, such as the assessment of the legal basis (who is at fault for the accident), the commitment to payment and the payment of damages shall be the right and obligation of the insurance companies, and therefore the employees of Atotal Insurtech Kft. cannot provide you with any further information regarding the settlement of your claim.

The payment recommendation will be submitted by the expert of Atotal Insurtech Kft. to the insurance company which ordered the damage inspection automatically in case of a total loss, upon receipt of the Settlement Agreement  (german) in case of a settlement without invoice, and upon receipt of the invoice in case of a settlement with invoice. The claim shall be paid by the insurance company.

In some cases, a vehicle may have damage that is not visible at the time of the initial inspection and only becomes apparent after the vehicle has been dismantled. If this happens, you or the workshop can request a secondary inspection for the vehicle. For claims settled by KÖBE Central European Mutual Insurance Association (KÖBE), please notify the insurer of your request for asecondary inspection. For all other partners, you can also contact Atotal Insurtech Kft. by phone or e-mail. After the secondary inspection the loss assessor will make a new calculation of the damage based on any additional damage identified.

The list below contains the documents which insurance companies may require for the settlement of your claim. We kindly ask you to obtain these documents as soon as possible, if necessary for the assessment of the claim, as this will significantly shorten the time needed to settle your claim.

• Original or the second copy of the (blue-yellow) accident statement form and/or the original or second copy of documents received from the police.
• Completed motor insurance claim form. (Must be completed in all cases, the blue-yellow accident statement is not a substitute.) Downloadable forms: Generali MTPL, Generali CASCO, Genertel MTPL, KÖBE, Posta, K&H, Gránit - Casco, Gránit - MTPL, Other insurer, Unfallberich, Accident report)
• Copy of driver's license without photo (unless the vehicle was parked) 
• Copy of the vehicle ownership card or a bank authorization (If the vehicle is financed with a credit, the creditor company's authorization, which entitles you to collect the amount of the claim, and a copy of the creditor company's specimen signature. Some creditors will only issue the above after the claim has been surveyed and the damage survey report is presented)
• For companies, the following documents are also required: Copy of the specimen signature, VAT declaration, Bank account number, Power of attorney to the person handling the claim.

During the damage survey, our expert will provide you with information on any additional documents that may be required to settle the claim. These most commonly include:

• Repair invoice and claim calculation or settlement statement
• Police report (if police action was taken)

From 1 December 2021, our company operates as a MABISZ certified correspondent in Hungary. In this capacity, and as a claims representative, we represent a number of foreign insurers in Hungary.

Here is a summary of what you need to know if you have been hit by a foreign vehicle.

There are two distinct cases:

• the foreign vehicle was involved in an accident with you in Hungary
• the foreign vehicle was involved in an accident with you abroad

As a general rule, both parties must fill in the official European Accident Statement form (the so-called blue-yellow form). Please make sure that the details of the insurance companies are also filled in. There are some countries (e.g. Balkan countries: Serbia, Macedonia, Montenegro, Romania) where it is recommended to always call the police after an accident.

You can also use a foreign-language Accident Statement form, as its content and format are uniform in all European countries. The questions are the same in all languages, and they are included in the same sections.

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• Damage Inspection

We will calculate the costs of repairing a damaged vehicle based on factory part prices and factory lead times.

• Secondary Inspection

We will inspect and document any damage not visible at the time of the initial inspection (only after dismantling) and we will prepare an amended calculation of the claim.

• Repair inspection (completion inspection)

After the repair of your vehicle has been completed, we will check whether the repairs match the items invoiced.

• Casco Inspection - Motor Underwriting

We will review your vehicle's condition and level of protection (alarm, anti-theft, etc.).

• Vehicle Appraisal

We will determine the vehicle's market value based on certain factors such as equipment, mileage, number of owners, market demand, and existing damage, etc.

• Selling Wrecks

We will advertise the salvage of a vehicle that is not economically repairable on an internet trading site. This service is available to individuals and businesses pursuant to individual orders.

• Atotal Repair Shops Marketplace

In order to optimize the costs of repairing damaged vehicles, we operate a closed advertising portal in cooperation with in-network repair workshops.