According to Vietnam’s current regulations, where a covered occurrence occurs, the insurer shall indemnify for the amount that the motor vehicle owner paid or is going to pay as an indemnity to victims. In this case, what does the application for indemnities include?
Article table of contents
According to Article 14 of Circular No. 22/2016/TT-BTC of the Ministry of Finance of Vietnam, insurers shall cooperate with vehicle owners, victims, the police authority and relevant entities to collect evidences of occurrences prior to making applications for indemnities. The application includes the following documents:
1. Documents related to the vehicle and driver (certified true copies of the insurer after comparison with the originals):
- Vehicle Registration Certificate;
- Driving license;
- The driver’s ID card or passport or personal identity documents;
- Certificates of insurance.
2. Documents as proof of damage to human (copies of medical facilities or certified true copies of insurers), or the following documents depending on the seriousness of injuries/deaths:
- Injury Certificate;
- Hospital discharge slip;
- Certificate of undergoing surgery;
- Medical record;
- Certificate of death (if the victim died).
3. Evidences of property damage:
- Valid invoices or documents on repairs or replacement of damaged property by facilities designated by the insurer at the motor vehicle’s account or approved by the insurer.
- Documents as proof of reasonable expenses for mitigating damage or according to instructions of insurer.
4. Copies of competent authority’s documents related to the occurrence (except for those specified in Clause 5 Article 14 of Circular No. 22/2016/TT-BTC):
- Scene examination record;
- Photo of accident scene (if any);
- Record of examination of involved vehicles;
- Report on initial investigation conclusion;
- Other relevant documents (if any).
5. In case of the absence of documents specified in clause 4 Article 14 of Circular No. 22/2016/TT-BTC and the estimated damage of under 10 million dong, the application for indemnity shall include documents specified in clauses 1, 2 and 3 of this Article and:
- Traffic accident record certified by the competent authority where the traffic accident occurs. A traffic accident record shall include:
+ Date of accident and place of accident;
+ Information provided by the motor vehicle owner or driver causing the accident, victims or representative of victims, or witnesses (if any). The above mentioned information provider shall specify their name, ID card No., and address.
+ Description of traffic accident scene and damage of vehicles (enclosed with sketches or photos);
- Accident damage assessment record made by the insurer or authorized person.
- Other relevant documents (if any).
View 07 cases in which insurers shall not be liable for any damage incurred HERE.
Nguyen Trinh
