Cargo insurance loss: notification, survey and core documents

For a cargo claim involving Serbia, the issue is not only who may be responsible. The individual cargo policy must be connected to the insured interest, event, goods condition and evidenced value of the loss.

Protect the goods and record condition

Take reasonable and safe steps to prevent further loss. Do not discard packaging or remains before documentation and coordination unless safety rules require otherwise.

Prepare records about the goods

The invoice, packing list, specification and evidence of ownership or insured interest explain what was carried and its value.

• Cargo policy and conditions
• Invoice and packing list
• Transport records
• Survey report and photographs

Separate cargo cover from carrier liability

The claim against the cargo insurer and a possible claim against a responsible party may have different legal bases. Preserve rights and use one consistent factual account.

Record mitigation costs

Survey, sorting, storage or salvage costs should be explained and supported by invoices. Whether they are recoverable depends on the policy and facts.

Official sources and further reading

• National Bank of Serbia — property insurance
• UNECE — CMR Convention