What Is Considered an Insured Event
An insured event is an occurrence provided for in the CASCO insurance contract, upon the happening of which the insurer becomes obliged to review the claim and make a decision in accordance with the contract terms.
Such events may include:
- a road traffic accident;
- theft or hijacking of the vehicle (if covered by the contract);
- unlawful actions of third parties;
- fire;
- natural disasters;
- falling trees, ice, snow, or other objects;
- other events included in the insurance program.
First Steps After an Incident
Regardless of the circumstances, it is recommended to follow the procedure below.
1. Ensure Safety
If possible, stop the vehicle, turn on the hazard warning lights, and take measures to prevent additional risks.
2. Call Competent Authorities if Necessary
Depending on the nature of the incident, it may be necessary to contact the relevant state authorities.
For example:
- in the event of a traffic accident – authorised law enforcement officers;
- in the event of unlawful actions – the police;
- in the event of a fire – the fire department.
3. Record the Circumstances of the Incident
It is recommended to take photographs of:
- the general view of the scene;
- vehicle damage;
- registration plates;
- traces of the incident;
- the surrounding environment.
The more thoroughly the situation is documented, the easier it will be to process the claim.
4. Do Not Begin Vehicle Repairs
Until the vehicle has been inspected by a representative of the insurance company or until you have received relevant instructions, you should not carry out any repairs unless otherwise stipulated in the contract.
5. Notify the Insurance Company
Contact the specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" as soon as possible.
Our staff will:
- explain the further course of action;
- inform you which documents need to be prepared;
- advise you on the claims procedure.
📞 7007 — toll‑free call
What Documents May Be Required
Depending on the nature of the incident, the following may be required:
- an identity document;
- the CASCO policy;
- vehicle registration documents;
- a statement regarding the insured event;
- materials prepared by competent authorities (if applicable);
- photographs of the damage;
- additional documents in accordance with the contract terms.
The exact list depends on the circumstances of the incident.
What Happens After You File a Claim
After receiving the claim, the insurance company:
- registers the claim;
- checks the completeness of the documents;
- arranges for an inspection of the vehicle (if necessary);
- analyses the circumstances of the incident;
- makes a decision in accordance with the contract terms.
What Can Speed Up the Review Process
For faster settlement, it is recommended to:
- report the incident as soon as possible;
- provide a complete set of documents;
- keep the vehicle in the post‑incident condition until the inspection (if required);
- follow the recommendations of the insurance company specialists.
Common Mistakes
To avoid delays, it is not recommended to:
- start repairs without prior approval;
- conceal the circumstances of the incident;
- provide incomplete or inaccurate information;
- delay contacting the insurance company.
Why Choose ARSENAL‑KYRGYZSTAN
✔ Professional client support.
✔ Advice at every stage of the settlement process.
✔ Clear procedure for handling insured events.
✔ Individual approach to each case.
Frequently Asked Questions
Do I need to call the insurance company immediately?
Yes. The sooner you report the incident, the sooner the specialists can advise you on the next steps.
Can I repair the car myself?
It is recommended to wait for instructions from the insurance company and comply with the contract terms.
What if the damage is discovered later?
Do not delay contacting the company. Contact the specialists and inform them of all known circumstances.
Is it mandatory to take photos?
Yes, if possible. Photos help to objectively document the circumstances and the extent of the damage.
Has an insured event occurred?
Do not delay filing your claim. The specialists of the Closed Joint‑Stock Insurance Company "ARSENAL‑KYRGYZSTAN" will help you assess the situation, suggest further steps, and answer all your questions.
📞 7007 — toll‑free call