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    Practical Guide 2026Step by Step

    How Do I Recover Money from Insurance?

    Complete guide to recovering compensation after a car accident

    Simple steps, required documents, legal deadlines, rights and mistakes to avoid.

    6
    Simple Steps
    30
    Days Legal Deadline
    100%
    Right to Compensation
    See Complete GuideConsultation
    Case evaluation
    18 years of legal experience since 2008
    Stages defined after document review
    Practical Guide

    6 Steps for Compensation Recovery

    Follow these simple steps to get full compensation from the insurer

    1

    Gather All Documents

    Immediately after accident

    Gather all evidence and documents needed for the file.

    • Official accident report
    • Photos from the accident scene
    • Witness data (name, phone)
    • Medical documents (if injuries)
    • Estimated repair invoices
    2

    Notify Insurer within 48 hours

    Maximum 48 hours

    Notify the at-fault party's insurer or your own CASCO insurance.

    • Phone call + written confirmation
    • Fill out amicable report form
    • Send initial documents
    • Request file number
    3

    Submit Complete File

    As soon as possible

    Submit the complete file with all supporting documents.

    • Written claim request
    • ID copy
    • Vehicle documents (registration, inspection)
    • All invoices and receipts
    4

    Attend the Assessment

    At appointment

    Present the car for damage assessment by expert.

    • Don't repair before assessment
    • Take your own photos
    • Request report copy
    • Contest if value is low
    5

    Review the Offer Received

    Max 30 legal days

    Analyze the insurer's offer and decide whether to accept.

    • Compare with actual costs
    • Check all elements
    • Request details in writing
    • Don't sign if unsatisfied
    6

    Contest or Accept

    Depends on case

    If the offer is fair, accept it. Otherwise, contest or consult a lawyer.

    • Direct negotiation
    • Written appeal
    • ASF complaint
    • Court action
    Know Your Rights

    What Rights You Have as a Claimant

    The law protects you - know your rights to get the compensation you deserve

    Full compensation

    You have the right to full coverage of the damage, not just a part.

    Response within 30 days

    The insurer is legally obligated to respond within 30 days.

    Independent expertise

    You can request an independent assessment at your expense.

    Penalty interest

    If payment is delayed, you are entitled to penalty interest.

    Moral damages

    In case of injury, you are also entitled to compensation for suffering.

    ASF complaint

    You can file a complaint with the Financial Supervisory Authority.

    Warning

    Mistakes to Avoid

    These common mistakes can compromise your chances of getting compensation

    • ✕
      Not taking photos at the accident scene
    • ✕
      Admitting fault before consulting a lawyer
    • ✕
      Repairing the car before damage assessment
    • ✕
      Accepting the first offer without negotiation
    • ✕
      Signing documents without reading them
    • ✕
      Missing legal notification deadlines
    FAQ

    What Our Clients Ask

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    Author

    Rikhárd-Árpád Pantilimon, LL.M. — attorney at law, Mureș Bar, practising since 2008; AEA and ILN member.

    The information presented on this website is general in nature and does not constitute legal advice. Each case is unique and requires individual analysis. Past results do not guarantee similar outcomes in future cases. For personalized legal advice, please contact us.

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