OC compensation from the at-fault driver

OC compensation from the at‑fault driver is due to the injured party. The key is to prove the link between the damage and the incident and provide proper documentation.

Who can file a claim

The injured party files the claim. This may be the vehicle owner, passenger or another affected person, as long as liability is shown.

What it can cover

• repair costs,
• loss of value,
• medical and rehabilitation costs,
• lost income,
• additional expenses (e.g., transport, care).

How to file the claim

1. Report the claim to the insurer.
2. Provide a clear incident description and documents.
3. Wait for inspection and a decision.
4. Appeal if necessary.

Where and how to report

Most insurers accept online, phone or in‑branch reports. Prepare:

• the at‑fault driver’s data and OC policy number,
• date, place and description of the event,
• vehicle and participant data,
• witness details if available.

The more complete the first report, the fewer corrections later.

Documents to prepare

• claim reference and incident data,
• photos and damage description,
• cost estimate or invoices,
• medical records if applicable,
• proof of lost income.

Driver statement vs police note

For minor collisions, a signed driver statement is often enough. If the case is disputed or there are injuries, a police note substantially strengthens the claim.

Inspection and insurer’s estimate

Insurers usually inspect the vehicle and prepare an estimate. Check whether:

• all damages were included,
• labor rates reflect the local market,
• loss of value was considered,
• the repair scope is realistic.

Repair before the decision

You may repair earlier, but keep evidence: photos, estimates, and a list of damages.

Common issues

• undervalued repair costs,
• ignored loss of value,
• disputes over contributory negligence,
• refusal of parts of the claim.

Personal injury — what can be included

In injury cases you can claim medical and rehabilitation costs and compensation for harm. Good medical documentation makes a major difference.

If the payout is too low

Prepare an appeal with evidence. See underpaid OC compensation — top‑up.

Calculator as a starting point

Use the OC compensation calculator for a quick estimate.

Property damage vs personal injury

Property damage concerns things (e.g., a car). Personal injury includes medical costs and possibly compensation for harm.

Replacement car and additional costs

If the car cannot be used, rental costs can be claimed. Towing and parking costs may also be reimbursed if documented.

When the insurer refuses payment

Typical reasons are disputes over liability or missing evidence. In that case, complete the documentation and submit a reasoned appeal.

Timelines and partial payments

In practice insurers may pay the undisputed part first and the remainder later. If the process drags on, monitor deadlines and request written explanations.

When an appraiser helps

An appraiser is useful when the insurer’s estimate is low, the damage scope is disputed or loss of value is in question.

Communication with the insurer

Keep written communication and confirmations. It helps in disputes and appeals.