Question 1

Which risks are included in Compulsory MTPL insurance?

Accepted Answer

Article 53.4th of the Law of the Azerbaijan Republic "On compulsory insurance" states that, Regardless of person the relevant compulsory insurance policy has been issued to, under the present Part, any person legally using motor vehicle (own vehicle a on a legitimate basis or the actual ownership of the vehicle or, in other words, who rented him or who has operated on the basis of power of attorney or, one of the persons exploited legally exploiting a vehicle on a legitimate basis ) shall be recognized as insured person whose property interests under civil liability against third parties is insured. While a legitimate number of more than a person are driving a car, only one of them must be insured. The insurance will be covers all other legitimate users of this vehicle. Compulsory insurance certificates are signed through the information system of the Compulsory Insurance Bureau that only one insurance certificate can be issued in the information system. Click here to initiate a return.

Question 2

What should be done if there is an insurance case for compulsory vehicle liability insurance for motor vehicle owners?

Accepted Answer

In case of accident, it is important to call 102 and ask the police officers to come to the accident scene. If there are injured persons as a result of road accident, in order to rescue their lives call 103 ambulances, 112 MES and other appropriate institutions. In case of accident, the insurance company insured guilty motor vehicles must be informed immediately: - Hotlines of insurance company is specified on the insurance policy - If you do not know the hotlines of insurance company, utilize 9707 SMS service In order to obtain information on whether the guilty vehicle owner is insured under compulsory insurance or not or which insurance company insured the vehicle, you can send SMS with vehicle registration number to 9707. Do not leave the accident area. Maintain the damaged property in the condition right after accident and submit to the insurance company (or to its representative). In the following situations it is possible to remove damaged property or not to submit in the condition right after accident: Prevention of damage or reduction of, elimination of the consequences of the accident, elimination of impediment of damaged property to the action of other persons, in case of probability of risk for further losses to take appropriate measures in order to avoid uncontrolled case and also in the case of removal of the damaged property for these purposes In case of representative of insurance company fails to review the damaged property within 5 days after being informed on insurance accident In other cases when insurance company is in a possession of written approval in order not to maintain the damaged property in the condition right after accident. Follow the instructions of the representative of the insurance company. Within three days after submission of verbal information on insurance accident demand written claim form from the insurance company and filling this form immediately submit this to the insurance company. Click here to initiate a return.

Question 3

How is the insurance payment  given to each road traffic accident participant if participants are guilty?

Accepted Answer

With the exception of cases when a person's life or health is damaged, if third party’s guily is determined in case of insured event along with the insured then insurance compensation for the damage is decreasing compared to the degree of guilt. Degree of Third Party’s guilt is determined by State Traffic Police. For example, guilty of committing the incident is 40% for one of the parties. So, that person should be given 3000 manat, if the degree is 60%, that person should be given an insurance payment up to 2000 manat Click here to initiate a return.

Question 4

Is State Traffic Police certificate mandatory to get Compulsory MTPL insurance payment?

Accepted Answer

Except for the following cases, a State Traffic Police statement is required to receive the insurance compensation: - When the accident occurs in the presence of not more than two vehicles; - There is no dispute between the parties on the identification of the person who guilty of the occurrence of the incident; - If the result of the accident does not harm health; - The volume of the damage as a result of the event is not more than 1000 manat is likely by the event participants and the insurer. Click here to initiate a return.

Question 5

In which period is it necessary to apply to the insurer to get the insurance payment?

Accepted Answer

In the case of covered loss Insured or beneficiary person must inform the insurer immediately after the incident or within the shortest possible time and apply for a written insurance request to receive insurance compensation. Click here to initiate a return.

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