Challenge
Our past experience in processing international claims, especially traffic accidents, was a challenge for another positively concluded story, considering that the processing of this type of claims is carried out through foreign insurance companies in the country where the event occurred, i.e. where the person causing the accident has insurance coverage.
Given that the damage was of a significantly large scale, both for the damaged reptile, as well as the serious bodily injuries suffered by the injured party, he was hospitalized for 1 month and operated on in Germany, and then hospitalized in the Republic of Macedonia for the next 8 months.
The situation required that we be able to assess the material damage to the reptile, lost earnings, and advance or provisional non-material damage to the injured party, as well as medical expenses.
We submitted individual damage claims to the foreign insurance company for the vehicle, i.e. the tractor, a claim for lost earnings due to the interruption of the injured party’s work, as well as a claim for non-pecuniary damage due to the injuries the injured party sustained and the medical expenses that he was forced to cover himself through no fault of his own and without his will.
After brief negotiations and clarifications about the amount of the claim for non-pecuniary damage for the injured party, we reached an out-of-court settlement for the material damage for the reptile, as well as a high advance non-pecuniary damage for the injured party, with the insurance company explaining that 1 year should pass from the event in order to fully determine with certainty the permanent consequences of the injuries suffered by the injured party.
After 1 year, we submitted a new request for additional compensation for non-pecuniary damage with a medical report stating that the injured party had 47% disability in the injured leg, after which the insurance company paid compensation based on our additional request.
