{"id":6703,"date":"2023-11-06T12:10:10","date_gmt":"2023-11-06T09:10:10","guid":{"rendered":"https:\/\/total.web-id.net\/%d0%bf%d0%be%d0%bb%d0%b5%d0%b7%d0%bd%d0%be\/"},"modified":"2025-04-26T07:03:16","modified_gmt":"2025-04-26T04:03:16","slug":"useful","status":"publish","type":"page","link":"https:\/\/totalins.eu\/en\/useful\/","title":{"rendered":"Useful"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n\t
\r\n

\r\n \r\n <\/i>\r\n <\/i>\r\n <\/i>\r\n <\/i>\r\n <\/i>\r\n <\/i>\r\n <\/i>\r\n Useful information\n <\/h4>\r\n <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
\n
\n \n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n \"\u043e\u0445\u0440\u0430\u043d\u044f\u0432\u0430\u043d\u0438 <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n\t
\r\n

\r\n Our Services <\/h3>\r\n <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tProfessional insurance advice \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tSuitable insurance options and solutions \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tFull coverage for all types of insurance \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tIndividual solutions and a personalized approach for each client \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\t24\/7 contact for assistance in case of a claim \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tFull support in filing a claim \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tIn case of road incidents \u2013 In the event of a road accident, Total Ins can provide transportation services to its clients. \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tAssistance with leasing procedures \u2013 Total Ins collaborates with leading leasing companies and assists its clients with filling out leasing documents and other procedures. \t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t
\r\n\t \t\tSpecial services for loyal clients\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n\t
\r\n

\r\n In Case of a Claim <\/h3>\r\n <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Unfortunately, unpleasant events can happen at any time. To minimize their impact, Total Ins advises you to follow the instructions below. We hope these guidelines help you avoid incidents involving your insured property or yourself. However, if an incident does occur, your reaction from the moment it happens is crucial. We will be happy if we can assist you!<\/p>

Do not leave or forget your keys and documents in the vehicle.<\/strong>
– If you lose or have your locking device, remote control, registration certificate, or license plates stolen, immediately notify the Traffic Police (KAT) and obtain an official report. Inform your insurer within 24 hours.<\/p>

In Case of a Minor Road Accident (Light Traffic Incident)
– Immediately call the Traffic Police (KAT) at 166<\/strong> or 112<\/strong> and request their presence at the scene.
– If KAT refuses to come, notify your insurer immediately for further instructions.
– If you cannot contact your insurer, fill out the bilateral accident report and register it by calling 166<\/strong> or 112<\/strong>.
– Inform your insurer within 3 days.<\/strong><\/p>

In Case of a Serious Road Accident (Severe Traffic Incident)
– Call the Traffic Police (KAT) at 166<\/strong> or 112<\/strong>.
– After KAT prepares the accident report, inform your insurer within 3 days<\/strong>.<\/p>

In Case of Theft<\/strong>
– Immediately report the theft to the local Police Department (Ministry of Interior) in the area where it occurred.
– Notify the company that inspected your vehicle.
– Submit a written notice to your insurer within 24 hours.<\/p>

In Case of Fire<\/strong>
– Immediately notify the fire department and request an official report.
– Submit a written notice to your insurer within 24 hours.<\/p>

In Case of Natural Disasters<\/strong>
– Contact the meteorological service at 0900 12 015<\/strong> and request an official certificate.
– Notify your insurer in writing within 3 days<\/strong> after the event.
– In all cases, the damaged vehicle must be presented for inspection at the insurer\u2019s claims settlement center within 3 days.<\/p>

Do not repair the vehicle before the inspection!<\/strong><\/p>

In the event of a claim, take all possible measures to minimize the damage. Always provide accurate and truthful information when declaring circumstances during the insurance policy agreement or ask for advice if you are unsure how to respond.<\/p>

Required Documents for Filing a Claim:<\/strong>
The insured or their authorized representative must provide:
– The insurance policy, including all issued endorsements and attachments.
– The driver\u2019s license of the person operating the vehicle at the time of the incident.
– A completed insurance compensation claim form (as per the insurer\u2019s template).<\/p>

Below, you will find more detailed instructions based on the type of incident you have experienced.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n

\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n
\r\n In Case of a Claim for Home Insurance <\/a>\r\n <\/div>\r\n
Depending on the type of insured event (fire, flood, storm, hail, explosion of a pressurized vessel, earthquake, theft, vandalism, or impact from a vehicle or flying object), you must immediately notify your insurer and the relevant competent authority (fire department or local police station).
\n
\nDo not clear the consequences of the event until an inspection has been carried out by the insurer and the relevant authority. However, you must take necessary actions to limit the damage if possible (for example, attempting to extinguish a fire before the fire department arrives).
\n
\nIt is advisable to keep purchase documents and warranty cards for insured movable property, such as audio and visual equipment and household appliances.
\n
\nMonitor what is recorded in the inspection report and keep copies of all documents provided to the insurer.
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n In Case of a Traffic Accident, Fire, or Natural Disaster <\/a>\r\n <\/div>\r\n
- Within 24 hours, submit a written notification to your Casco insurer about the event and keep a copy of the notification.
\n- If you do not have Casco insurance and are involved in an accident where you are not at fault, make sure to collect information about the liability insurance (Third-Party Insurance) of the at-fault driver in order to notify their insurer and file a compensation claim.
\n
\nIn Case of a Traffic Accident (Road Incident): <\/b>
\n- Immediately notify the Traffic Police (KAT) at 166 or 112 and request their presence at the scene.
\n- KAT must visit the accident site and issue a report if:
\n - There are injured persons
\n - There are material damages and the vehicle cannot move on its own
\n - One of the involved vehicles has a foreign registration or is transporting hazardous materials
\n - The accident has caused traffic congestion
\n - There is suspicion that a participant is under the influence of alcohol or drugs or does not have the required driving license
\n- If KAT refuses to come, immediately contact your Casco insurer and request them to send a mobile inspection unit.
\n- If you cannot reach your insurer, fill out the bilateral accident report and register it by calling 166.
\n
\nIn Case of a Vehicle Fire: <\/b>
\n- Immediately call the fire department and obtain an official report of the incident.
\n
\nIn Case of a Natural Disaster: <\/b>
\n- For events such as heavy rain, snowfall, floods, or hail, contact the local meteorological service to obtain an official certificate specifying the date, type, and duration of the disaster.
\n
\nFiling a Compensation Claim: <\/b>
\n- Keep copies of all documents submitted to your insurer and ensure that all damages are accurately recorded in the inspection report.
\n- Do not repair the vehicle before the insurer has conducted an inspection and follow their instructions if an additional inspection is required.
\n<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n
\r\n In Case of Vehicle Theft<\/a>\r\n <\/div>\r\n
- Immediately notify the local Police Department (Ministry of Interior) in the area where the vehicle was last located before the theft.
\n- Within 24 hours, submit a written notification to your Casco insurer and keep a copy of the notification.
\n- Keep a copy of your insurance policy and general terms, as the insurer will require the original, along with all other documents you provide.
\n- Always submit the requested documents to the insurer with an inventory list or cover letter, and obtain an incoming reference number and date from the insurer.
\n
\nMinimum Required Documents for the Insurer:<\/b>
\n- Original insurance policy
\n- Vehicle registration certificate (both the small and large registration documents)
\n- Official report from the local Police Department where you reported the theft
\n- Prosecutor\u2019s ruling on the suspension of pre-trial proceedings if the vehicle is not recovered
\n- All keys and remote controls for the vehicle, including spare sets
\n
\nAlways ensure that the information you provide in your claim notification to the insurer matches the details declared to the Police Department regarding the theft.
\n<\/div>\r\n <\/div>\r\n
\r\n
\r\n For Travel Assistance Insurance<\/a>\r\n <\/div>\r\n
- In case of an accident or sudden illness abroad, always follow the instructions of your insurer and their assistance company regarding the medical facility or specialist you are referred to.
\n- Request and keep complete medical documentation of the event and any expenses incurred for your treatment if you need to pay for them.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n\t
\r\n

\r\n Useful documents <\/h3>\r\n <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tInsurance code<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tExport Insurance Law<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tREGULATION on mandatory insurance of workers and employees for the risk of \"occupational accident\"<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tREGULATION No. 49 of 16.10.2014 on compulsory insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tNOTICE regarding the introduction of the euro as the official currency in the Republic of Bulgaria<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRegulatory acts regulating compulsory insurance and compulsory insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tInformation for the user of insurance services and General Terms and Conditions for using the TotalIns website<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tRules for handling complaints from users of insurance services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tAssignment contract<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n \n
\n
\n
\n \n
\n \n
\n
\n
\n \n \t\t
\n\t\t\t\t
\n\t\t\t\t\t
\n
\n \n <\/i> Make an inquiry \n <\/span>\n <\/div>\n\n
\n
\n
\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n<\/fieldset>\n
    \n\t
    \n\t\t

    <\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n

    \n\t
    \n\t\t

    <\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n

    \n<\/div>\n
    \n\t

    <\/span>\n\t<\/p>\n<\/div>\n

    \n\t
    \n\t\t

    <\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n

    \n\t
    \n\t\t