Insurance claim
What to do in an accident or other insured event and how to get a payout. Step-by-step.
An OGPO claim event is a road accident in which the insured driver caused harm to other road users. The steps at the scene are the same whatever the insurer: stop, switch on the hazard lights and place the warning triangle, check whether anyone is hurt and call an ambulance if needed. The accident is then registered — either by europrotocol, if nobody was injured, two vehicles were involved and the damage is under 100 MCI, or with the police in every other case. You must notify your insurer within the period set in its rules and hand over the documents: identity card, driving licence, vehicle registration certificate, the policy and the accident paperwork. The payout is calculated with vehicle depreciation taken into account and is capped by law at 600 MCI per victim for property damage and 2,000 MCI if a person dies.
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What to do right after an accident
- Stop, switch on the hazard lights and place the warning triangle.
- Check for injuries; if needed, call an ambulance on 103 or 112.
- Call the police on 102. For a minor accident with two participants, no injuries and no dispute, a European protocol can be filed without police.
- Photograph the scene, the damage, the plate numbers and the other party's documents.
- Exchange contacts and OGPO policy details. Don't sign documents you disagree with.
How to notify the insurer
Under the mandatory liability insurance law, the insurer must be notified immediately when possible, and no later than three working days after the accident.
The injured party claims from the at-fault driver's insurer. Its call-center number is on the policy, and the policy itself can be verified in the unified database.
Documents for the payout
- A claim application.
- Documents confirming the accident: a police protocol or ruling, or the European protocol.
- The at-fault driver's OGPO policy number.
- Vehicle documents and the driving licence.
- The recipient's bank details.
Payout terms and limits under OGPO
The insurer must pay within 15 working days of receiving the complete set of documents.
OGPO limits are tied to the MCI: property damage — up to 600 MCI per victim (up to ₸2,595,000 in 2026), loss of life where the victim dies — 2,000 MCI (₸8,650,000).
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