Thomas has parked his passenger car in the car park at his local shopping centre. When he returned, Thomas notices a nasty-looking scratch about 20 cm long in the surface of the paint on the left side of the car and a slight dent in the rear door. Someone must have hit the car while they were parking in the adjacent space.
Compensation situation 1
Thomas is unable to identify the party that caused the damage. The guilty party, therefore, remains unknown. Thomas’ car was covered by Super Motor Insurance with optional supplementary Parking Cover. Thomas contacts Pohjola’s Repair Advisor. The Repair Advisor handles the repair and reports the damage to Pohjola Insurance. The damage is covered by the Parking Cover added to the Super Motor Insurance, and Thomas only has to pay the EUR 200 deductible.
Compensation situation 2
Using footage from the security camera in the car park, Thomas is able to identify the party that caused the damage. Thomas notes down the registration number of the vehicle that caused the damage and sends a loss report to his own insurance company, Pohjola Insurance. He includes the details of the vehicle that caused the damage in his report. The claim is handled by the other vehicle’s insurance company, and compensation is eventually paid under the motor liability insurance of the guilty party. Thomas does not need to pay a deductible.
Points to note
If you are able to identify the party that caused the damage, you can, in principle, claim compensation under the motor liability insurance belonging to the party that caused the damage.
In such cases, all you need to do is file a loss report for the damage, specifying the registration number of the vehicle that caused the damage, as well as the contact details of the driver of the vehicle, if you have them.