The third-party liability (OC) of the accident perpetrator often covers the cost of towing the victim’s vehicle. Understanding this procedure is key to effectively exercising your rights in an accident situation. After a traffic incident, report the damage to the perpetrator’s insurer, attaching the necessary documents such as a police report and confirmation of towing costs. The insurer, after verification, covers the costs directly or reimburses them to the injured party.

Third Party Liability Tow Truck Rzeszów

The use of a lawn truck financed from the perpetrator’s OC is possible immediately after the incident, if the perpetrator’s insurer quickly confirms coverage. This allows you to avoid delays in removing the vehicle from the scene of the accident. To do this, the perpetrator’s insurance company should be contacted immediately, preferably by phone or via the Internet, to report the damage and get approval to cover the cost of the tow truck. It is important to have the perpetrator’s policy number and details of the incident at hand.

Car towing from the perpetrator’s third-party liability

Towing from the perpetrator’s third-party liability includes transporting the damaged vehicle from the scene of the accident to a repair shop or other designated location. This service is limited to situations where the accident was caused by the other driver. Below we outline the situations when this type of service can be used:

• An accident where the other driver admitted fault at the scene,
• Events where the police confirmed the guilt of the other driver in the report.

Who pays for the tow truck after an accident?

Typically, towing costs are paid by the perpetrator’s liability insurance company. In cases where liability is unclear, the costs may be split or the injured party may be required to initially pay the costs, with the possibility of later reimbursement.

What to do immediately after the accident

• Secure the accident scene,
• Report the incident to the police and obtain a report,
• Contact the perpetrator’s insurer to report the damage.

What does the perpetrator’s liability insurance cover?

Mandatory third-party liability (MTPL) insurance for motor vehicles is designed to protect victims of traffic accidents from the financial consequences of events for which the at-fault driver is responsible, such as:

1. Damage to the vehicle: The perpetrator’s liability covers the cost of repairing damage to the victim’s vehicle caused by the accident. This includes both minor damage and major damage that requires significant repairs at authorized service centers.
2. Towing costs: When a vehicle is damaged so severely that it cannot continue driving, the perpetrator’s OC will usually cover the cost of towing it to the nearest repair shop or other designated location.
3. Treatment of the injured: If injured victims need medical treatment as a result of an accident, the perpetrator’s liability covers the cost of treatment, hospitalization, and rehabilitation.
4. Loss of income: If the accident victim is temporarily or permanently unable to work as a result of the accident, the perpetrator’s liability insurance may also cover loss of income or compensation for permanent loss of earning capacity.
5. Property destruction: The perpetrator’s liability insurance also covers damage to third-party property – for example, damage to fences, property or other items owned by the injured party.
6. Punitive and moral damages: In cases where victims suffer long-term psychological or physical effects, they can seek compensation for the harm they have suffered.

Reimbursement for towing from the perpetrator’s liability

To get reimbursement for towing costs:

• Report the damage to the perpetrator’s insurer,
• Present the required documents, such as the towing invoice and the police report,
• Wait for verification and reimbursement, which can take several weeks.

Knowing the perpetrator’s liability insurance procedures is extremely important so that in the event of an accident you can effectively take care of your right to safely remove your vehicle from the road at no additional cost.

Are you an accident victim?

If you need support after an accident or more information about OC perpetrator towing, contact us.