How is damage calculated in GO?

Basic types of damage

In the event of an accident on the road, for which Civil Liability has been concluded, the damages can be both material and non-material.

Material damage includes damage caused to the property of a third party, such as damage to the car, damage to infrastructure or other buildings and houses.

Non-pecuniary damages refer to physical injuries, pain and suffering or even loss of life.Due to the lack of clearly measurable values, estimating these damages is more difficult.

Various factors that have an impact on the assessment of damages caused.

The amount of damage caused byCivil liabilitycan be determined by several factors.And they can differ significantly depending on the specific situation.Key factors include:

• The cost of repairing the car or replacing the damaged items can be directly related to the type and extent of damage in property damage.When determining non-pecuniary damages, physical damage, healing time and the psychological effect on the victim are taken into account.
• When assessing the car's damage, its current market value is taken into account.In case of declared total damage to the motor vehicle, the insurer has the possibility to offer payment of the value of the car before the accident or its replacement with a similar car in the same condition.
• If an accident occurs that results in temporary or permanent incapacity of the injured person, the loss of income may be included in the assessment.Loss of income is usually calculated by taking into account the person's average monthly earnings before the accident occurred.
• The assessment includes all expenses related to the treatment of the injured persons, including medical expenses.Costs acting as a circumstantial cause of the serious injury and the need for the associated long-term treatment or rehabilitation program

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