Jak správně postupovat při dopravní nehodě
Dopravní nehoda je vždy stresující situace – ať už jde o drobný „ťukanec“ na parkovišti, nebo vážnější kolizi na silnici….
Medicines, rehabilitation, trips to the doctor, help from another person or destroyed belongings – an accident brings expenses that people often forget about. All of them can be claimed from the at-fault driver’s compulsory motor third-party liability insurance (MTPL) (povinné ručení).
Free case reviewIn addition to compensation for harm to your health and loss of earnings, you are entitled to compensation for everything your injury has cost you in money or in other people’s time.
Everything you paid for your treatment out of your own pocket that is not covered by your health insurance: co-payments for medicines, rehabilitation, physiotherapy, spa treatment, psychotherapy or medical aids (náklady léčení).
When, because of your injury, you cannot wash, cook, shop or look after your household on your own. You are entitled to compensation for the costs of care (náklady péče) whether the care is provided by a professional service or free of charge by your family.
Trips to treatment, check-ups, rehabilitation and doctors – by car or public transport, including trips when someone else drove you (cestovné).
A damaged car, motorcycle or bicycle, destroyed clothing, helmet, glasses, phone and other belongings damaged or destroyed in the accident (věcná škoda).
The insurer pays costs that are reasonable – i.e. necessary to improve or maintain your state of health – and that are not covered by public health insurance.
Reasonableness is assessed on the basis of medical reports: if a doctor recommended rehabilitation, a medical aid or a treatment stay, it is a reasonable cost.
It is calculated according to the extent of the help needed – how many hours a day and with which tasks (hygiene, meals, household, accompanying you to the doctor). The value of an hour of care is based on the usual price of care services, even when the care is provided by your family without payment. For serious injuries, this amounts to tens of thousands of crowns a month.
For journeys by car, you are reimbursed per kilometre driven (vehicle wear and tear and fuel) according to the official travel allowance rates; for public transport, the price of the tickets. All you need is a simple log: date, destination, reason and number of kilometres.
The most common reason why an insurer refuses compensation is missing documentation. Six habits that will save you money.
For medicines, medical aids, rehabilitation, tickets. Without proof, the insurer will usually not accept the cost.
Date, from where to where, reason (check-up, rehabilitation) and number of kilometres. A spreadsheet or notebook is enough.
Who helped you, how many hours a day and with what. A medical report will confirm that you needed the care.
The vehicle, bicycle, clothing, helmet, phone. Keep proof of purchase or a price estimate.
Rehabilitation, spa treatment, medical aids: a written recommendation from your doctor proves that the cost is reasonable.
Costs can be claimed in instalments during your treatment. You don’t have to wait until it ends.
A reduction is not the final word. The decision can be challenged, missing documents can be provided and the claim can be pursued further – including in court.
You are entitled to compensation for care even if it was provided free of charge by your loved ones. Insurers are wrong to dispute this.
What cannot be proven with a receipt can often be proven in another way – with a medical report, a bank statement or witness testimony.
These claims also become time-barred after three years. Claim them on an ongoing basis as they arise. More about limitation periods.
I will go through all the expenses and complications the accident has caused with you – including those you didn’t know could be claimed.
I will put together and calculate your claims, including care and travel costs, and claim them from the at-fault driver’s insurer.
I will secure the supporting documents – medical recommendations, a calculation of care, a valuation of the property damage.
If the insurer makes reductions, I will challenge them and continue to pursue the claim – including in court proceedings, if that is in your interest.
If a court case becomes necessary, I will explain the possible costs of the proceedings to you in advance.
Yes. Compensation for the costs of care is due regardless of whether you pay for the care or it is provided by your loved ones. It is calculated according to the extent of the help needed and the usual price of care services.
Yes. You are reimbursed per kilometre driven. Travel costs are also due for journeys when someone else drove you to the doctor.
In some cases such a claim may arise – for example in the case of particularly serious harm and a long stay in hospital, when visits from loved ones are part of the treatment. This is always assessed individually according to the circumstances of the case.
Provide what you can: a bank statement, a medical report with a recommendation, a sworn statement or witness testimony. Keep all documents from now on.
Yes, if such care is reasonable – i.e. it helps to improve or maintain your state of health – and is not covered by your health insurance. The expense must reasonably correspond to your injury.
Yes. Psychological problems after an accident are common, and mental health care is among the reasonably incurred costs, especially if it is recommended by a doctor.
On an ongoing basis, as they arise. You don’t have to wait until the end of your treatment or until compensation for pain and suffering (bolestné) has been calculated.
Yes. The reduction can be challenged – by providing additional documents and proof of reasonableness and pursuing the claim further, in court as a last resort. The insurer’s decision does not have to be final.
Write to me about everything you have had to deal with. I will go through it with you and claim everything you are entitled to.
Tell me about your situation – I will usually get back to you within 24 hours.
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