INFO NO. (02) 15888

Is a motor hull policy valid in the event of change in ownership?

Answer:No. If the owner of the vehicle changes during the motor hull policy period, the rights and obligations arising from the insurance contract are not transferable to the new owner and the remaining portion of the premium is returned provided that the insurer has not paid a claim under the policy.

I have insured my vacation home, what steps should I take in the event of a burglary?

Answer:

• Please inform the police (phone no. 192) and;
• Provide data on the day and place of the event.

Where should I submit my claim in the event of loss?

Answer:

• Call your agent or call EUROLINK Insurance Corp. Skopje at contact no. 32 89 324 to get information about the required documents required documents and the claim procedure.
• Submit the claim to the EUROLINK Insurance no later than 3 days after finding out about the damage. Bring your driver's license and vehicle registration document, information about the person that caused the accident, and, if possible, immediately arrange a time and place for the loss assessment and the manner of claim payment and provide data on damaged and/or destroyed objects by giving estimate of their approximate value.
• Save all receipts about expenses made in relation to the claim..

What should I do if I have a traffic accident?

Answer:

• Do not leave the site;
• Call an ambulance (phone no. 194) if there are any injured. Give first aid;
• Try to protect the accident site. Take reasonable measures to protect your vehicle from further damage – turn on the blinkers and set up a triangle.
  * Only in the event of increased risk of further damage and obstruction of traffic, move your vehicle out of the way and call a tow-truck if the vehicle is in no condition to be driven.
• Call the police (MOI) (phone no. 192). Remember the police officer's and the police station's name. Ask when the police report will be made and how to get a copy;
• We recommend carefully noting:
  - the date and time of the accident;
  - the location of the accident (street, city...);
  - the weather and road conditions;
  - the direction and speed of your vehicle and of the others involved;
  - a short description of how the accident happened and the scope of damage to the vehicles;
  - write down the license plate, the make of the car, the driver's license number and insurance information for every driver involved in the accident and the Green card number, if it's a foreign vehicle;
  - the names and adresses of the people involved in the accident, and also the witnesses.
  

In the event of a collision with a KFOR or Army vehicle – the Company only does a service evaluation of the damage, and the request is submitted to the NATO Office or the Ministry of Defence.

What should I do when submitting a MTPL claim?

Answer:

• Call EUROLINK Insurance Skopje at 32 89 324 to get information about the documents required and about the claim procedure.
• Submit the indemnity claim to the insurance company where the person that caused the accident is insured, bring your driver's license and vehicle registration document and information about the person that caused the accident with you and, if possible, immediately arrange the time, place and manner of assessment of the damage.

How shall I prove missing or destroyed objects in the event of theft, fire or explosion?

Answer: Insured items are listed either in your accounting records or on the schedule of insured objects. In such cases one of the necessary proofs is the police report made by an authorized office conducting an on-site investigation, which is one of the segments that serve as a basis for paying damages by defining the act or loss event that caused the damage.

Which losses are covered in the event of water escape?

Answer: Only losses/damage to the insured objects occasioned by the escape of water from installations and not to the installations themselves are covered.

Who is eligible to be insured under medical malpractice insurance?

Answer: The insured may be a public as well as a private institution, and also the doctor as an individual.

What is a third party in the event of MTPL insurance?

Answer: A third party is a physical or legal person not party to the insurance contract that may suffer material or non-material loss caused by the insured. The policyholder, the driver, the owner, the co-owner or the user of the motor vehicle and persons that illegitimately took possession of the vehicle may not be the third party.