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Civil Liability of Motor Vehicle Holders
Procedure in case of accident
Fourth Motor Insurance Directive
Information Centre
The information centre is responsible for collecting and making accesible all information concerning contracts of insurance against civil liability of motor vehicle holders as well as information about claims representatives appointed by insurance undertakings.

In Poland, the function of information centre is performed by:
  • the Insurance Guarantee Fund, which has a data base about effected insurance against civil liability of motor vehicle holders (vehicles registered in Poland), about insurance undertakings carrying on the business of insurance within group 10 (excluding carriers' liability) as well as their claims representatives abroad,
  • the Polish Motor Insurers' Bureau, which provides information about the foreign insurance undertakings of the person who caused the accident as well as their claims representative in Poland.
In case of an occurrence (collision, traffic accident etc.) which took place abroad, involving a vehicle registered in an EEA country, there is a possibility of pursuing claims in Poland. In order to do that, the injured party should, on return to Poland, contact the Polish Motor Insurers' Bureau, which will, on the basis of details concerning the person who caused the loss or injury (registration number of vehicle, country in which the vehicle is registered) provide information about the insurance undertaking of the person responsible for the occurrence and about its claims representative acting in Poland.

On obtaining the above information it is possible to present the claim directly to the claims representative, who is obliged to provide the injured party with a reasoned reply within 90 days of presentation of the claim. If within that period the injured party does not receive a reasoned reply from the claims representative, he may present his claim to the compensation body, whose function is performed by the Polish Motor Insurers' Bureau.

The claim may also be presented directly to the compensation body if the foreign insurance undertaking of the person responsible for the occurrence failed to appoint his claims representative in the territory of Poland. >
 
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