How do you obtain compensation from a comprehensive (AC) policy?
Krótka odpowiedź
Compensation under comprehensive cover is available when you hold an autocasco policy and your vehicle is damaged — for example, if you caused a collision. Sagarto helps with claim handling and negotiations with the insurer.
Report the damage to your insurer, document the damage and repair costs. The insurer values the claim — often below actual costs.nnWe help pursue the difference and organise vehicle repair.
| Type of damage | Source of compensation | Sagarto |
|---|---|---|
| Vehicle damage | Third-party / own motor insurance | Full amount |
| Health impairment | Third-party liability | Non-pecuniary damages |
| Loss of income | Third-party liability | Recovery of losses |
| Underpaid insurer offer | Negotiations / court | Representation |
Najczęstsze pytania
Who pays compensation after a road accident?
In typical cases, the at-fault party's third-party liability insurance covers the claim; for own-damage claims, your own motor policy applies.
Do I need a police report?
Not always, but documentation of the incident and damage significantly strengthens your claim.
Can I claim medical costs?
Yes — as part of claims for health impairment and expenses incurred.