Driver and Passenger Accident Insurance

Road traffic accidents are, unfortunately, pretty frequent in the turbulent rhythm of life. For the driver to feel secure for themselves and their passengers, we offer Driver and Passenger Accident Insurance along with the purchase of your Mandatory Third-party Liability Insurance or Comprehensive Insurance policy. 

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Why to choose BTA Driver and Passenger Accident Insurance?

It is every driver’s duty to care for the safety of their passengers. Considering that road traffic accidents are pretty frequent and, unfortunately, involve not only vehicles, but also the driver or passengers, you may supplement your Mandatory Third-Party Liability Insurance or Comprehensive Insurance Policy with insurance against accidents for yourself as the driver and the passenger seats in your vehicle, or any passenger travelling with you in your vehicle.

Our advantages:

  • Various insurance coverage options.
  • You may insure your preferred number of passenger seats.
  • BTA is the only insurance company in Latvia which, in addition to the road traffic accident insurance policies for drivers and passengers, includes a compensation for study fees for children in case death of the bread-winner occurs.

Insurable Risks

   
Death
If death of the driver or a passenger occurs as result of a road traffic accident, we shall pay 100 % of the insurance amount. 
Disablement
If disablement of the driver or a passenger occurs as result of a road traffic accident, we shall pay up to 100 % of the insurance amount.  
Injuries
We shall pay an indemnity for the injuries (one or several bone fractures, ligament ruptures, strains, internal organ damage, brain concussion) suffered by the driver or any passengers as result of a road traffic accident.
Treatment Expenses
We shall indemnify the expenses for the medical procedures performed and prescribed by the attending doctor in association with out-patient or in-patient treatment. Only the expenses for the medical services received at the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia will be indemnified. 
Medications and Bandages
We shall indemnify the expenses for the medications and bandages prescribed by the attending doctor and purchased from the medical facilities entered into the Register of Medical Institutions, Companies, and Practices of the Republic of Latvia or pharmacies located in the territory of the Republic of Latvia.
Study Allowance for Children*
If death of the driver or a passenger occurs as result of an accident or within one year thereof, we shall indemnify the higher educational institution tuition fees for one biological or adopted child (below 24 years of age) of the driver as well as each passenger. The tuition fees will be indemnified only until the child reaches the age of 24 years. 


* Exclusively at BTA!

What are the territory and the validity period of the policy?

The territory in which the Driver and Passenger Accident Policy is valid in corresponds to that specified in the Mandatory Third-Party Liability Insurance or Comprehensive Insurance policy.  

However, please note that leisure or business trips to other countries additionally require Travel Insurance. In case you suffer an injury in a road traffic accident abroad, the Driver and Passenger Accident Insurance will allow you to receive a compensation depending on the severity of the injury, but the expenses for the medical assistance received in a foreign country will be indemnified only if you have purchased a Travel Insurance policy. The Driver and Passenger Accident Insurance coverage includes only medical services received in the territory of the Republic of Latvia.

When travelling outside Latvia in a vehicle registered in Latvia, please find out if you additionally require the Green Card!

Policy purchase options

The Driver and Passenger Accident Policy can be purchased together with the Mandatory Third-Party Liability Insurance or Comprehensive Insurance policy, using one of the below options:

  • if you fill in the application form available on BTA website, an expert of BTA’s will contact you to find out the required details and prepare the insurance offer, and send it to your e-mail address;
  • by calling BTA Customer Support Service on 26 12 12 12. During the call, it is also be possible to pay for the policy immediately;
  • by visiting a BTA Customer Service Centre in person;
  • by contacting a BTA agent, insurance broker.

How to proceed in case of an accident?

In case of a road traffic accident involving the driver or any passenger, please proceed as follows:

  1. in order to perform the rescue operations as well as to document the circumstances and the cause of the accident, please immediately contact:
    • The ambulance by calling 113 or 03
    • The police by calling 110 or 02
    • If necessary, the State Fire and Rescue Service on 112 or 01
  2. When receiving any medical services, please keep the document which confirms the fact and the consequences of the accident, such as the medical certificate issued by the doctor and containing the diagnosis or a detailed medical description of the injury, and also keep the documents confirm the payments you have made (such as receipts, acquittances with your name, surname, personal ID, and the title of the service received in them) for the medical services you have received.
  3. Please keep the documents issued by the police or any other law enforcement authority with regard to the road traffic accident.
  4. As soon as possible, please contact the BTA Customer Service by calling 26 12 12 12 to inform about the accident, receive instructions on how to proceed, and also to register your insured event.

Insurance Terms and Conditions

  PDF E-doc*
Terms and Conditions of Driver and Passenger Accident Insurance    
Terms and Conditions No 8a (in latvian)
(version valid for policies issued from 04.12.2012)
    + Annex No. 1 to Terms and Conditions No. 8a
      “Consequences of Accidents when the Insured is Entitled to Compensation of Medical Expenses”
 
General insurance terms and conditions    
Terms and Conditions No 3
(version valid for policies issued from 13.12.2011)
Terms and Conditions No 2
(version valid for policies issued from 07.06.2011)

 


* You can open digitally signed documents *.edoc, using the template on website eparaksts.lv. Before checking the necessary document, save it on your computer (we recommend using Chrome, Firefox, Safari or Opera browsers).