This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
A road traffic accident is an incident involving a vehicle that results in damage, injury, or another real loss. In insurance, the key point is not the word “accident” itself, but what happened, what damage was caused, and how the case was documented.
In simple terms:
Not every tense moment on the road is an accident for insurance purposes. If a driver brakes sharply, gets scared, but does not hit anyone and causes no damage, there may be no insured event. A road traffic accident begins where there is a road incident and consequences.
Usually, three things matter: a vehicle was involved, damage or harm was caused, and the damage can be recorded. A simple mechanical failure without collision is not a road traffic accident. A collision with another vehicle or damage to property on the road is.
After an accident, the insurer looks beyond the visible damage. It needs to understand who was involved, who was at fault, who suffered damage, which documents were prepared, and whether the event falls under the policy terms.
For OSAGO, this matters because the policy covers liability to third parties if you cause harm to other road users. For KASKO, the logic is different: the product may cover damage to your own vehicle, including cases where you are at fault, but exclusions still matter.
A calm order of action matters more than panic:
Under EUROASIA OSAGO terms, an accident participant must notify the insurer immediately, but no later than 72 hours after the accident, and provide the injured party with a copy of the e-policy within 3 calendar days. Always check the exact procedure in your own policy.
In Uzbekistan, some accidents may be documented using the European accident statement, without calling traffic police officers, if the required conditions are met. This can be convenient for minor damage and a clear situation, but it does not fit every case.
If people are injured, liability is disputed, damage is serious, or the conditions for the simplified process are not met, it is better to follow the standard official procedure.
A road traffic accident is a road event with damage or harm. A breakdown is a technical fault that can happen without an accident. If a gearbox fails by itself, that is not a road traffic accident. If a collision damages a bumper, headlight, or someone else’s property, it is.
It is also worth separating road accidents from ordinary damage. For example, a branch falling onto a parked car may be an insured event under KASKO, but it is not necessarily a road traffic accident.
The first mistake is leaving the scene and assuming “we will sort it out later.” In motor insurance, this can lead to a dispute or refusal, especially if the policy excludes leaving the accident scene.
The second mistake is failing to record the damage. Photos, videos, participant details, and documents help the insurer understand what happened faster.
The third mistake is assuming OSAGO covers the at-fault driver’s own car. OSAGO protects liability to others. Damage to your own vehicle usually requires KASKO.
Accident participant — a driver, passenger, pedestrian, or another person connected with the accident.
Injured party — the person or owner whose health, vehicle, or property was damaged.
At-fault party — the person whose actions caused the accident.
Insurance payout — money paid by the insurer for a recognised insured event under the policy terms.
Every driver should understand it. How you recognise and document an accident affects the whole settlement process: which documents are needed, who contacts the insurer, what compensation may be available, and which exclusions may apply.
The main point is simple: a road traffic accident is not just “a hit on the road.” It is an event with legal and insurance consequences, so after it you need to act calmly, record the facts, and follow the policy terms.
Dilshod from Tashkent failed to brake in time and hit the car in front. The damage to the other vehicle was estimated at UZS 11,000,000. No one was injured.
This is a road traffic accident: there was a road event and real damage. Dilshod recorded the damage, shared his policy details, and notified the insurer. The injured party’s damage is then reviewed under OSAGO within the policy terms.
Shahnoza from Samarkand was leaving a yard and damaged both a nearby car and a metal fence. The participants disagreed about fault, and the loss amount was unclear.
In this situation, a verbal agreement is not enough. The circumstances need to be recorded, the accident documented under the correct procedure, and documents sent to the insurer, otherwise settlement may be delayed.
Bekzod from Andijan was driving through the city when his gearbox suddenly failed. He pulled over safely, but did not hit anyone and caused no damage to other property.
This is an unpleasant breakdown, but not a road traffic accident: there was no road incident causing damage to other people, vehicles, or property. For insurance, this is a different type of situation.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor third-party liability is your responsibility to other people if, because of your actions on the road, their car, property, health, or life is harmed. Put simply, it is a rule for situations where a driving mistake leads to someone else’s loss. The main idea is simple: this responsibility exists so that the injured party is not left without compensation, and the driver at fault does not have to handle everything alone out of pocket.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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