Reporting a casco claim in Serbia: first steps and documents

This guide concerns casco claims handled in Serbia. Casco is contractual insurance, so the individual policy, its conditions and the circumstances matter more than assumptions about what casco “always” covers.

Check the policy and reporting method

Find the policy number, insured perils, deductible and notification instructions. Record when the event was discovered and when notice was given.

Preserve the condition before repairs

Photograph the vehicle safely and do not remove traces or start work before checking whether the insurer requires an inspection.

• Vehicle overview and detail photographs
• Keys and vehicle documents
• Available report or statement
• Invoices for necessary protective measures

Describe the event precisely

Use verifiable facts: where the vehicle was, when damage was noticed and who was present. State that something is unknown instead of guessing.

Track the inspection and decision

Keep the notification, reference number, assessment and additions. A disputed explanation should be compared with the policy and documented condition.

Official sources and further reading

• NBS Your Money — voluntary motor casco insurance
• National Bank of Serbia — insurance user complaints