Compensation for material damage
Damage to a vehicle and if necessary to any other property must be inspected by a vehicle damage inspector approved by the insurance company. Damage appraisals for the State Treasury are carried out by Finnish Loss Survey (SVT) Ltd.
Motor vehicle accidents
If a motor vehicle is damaged in a traffic accident compensation may be paid for the following:
- repairs to the vehicle
- one-off compensation based on the value of the car or the repairs
- salvage compensation covering the market value of the car — in this case the ownership of the car is transferred to the State Treasury
- towing fee for towing the car away from the site of the accident.
Compensation will also be paid for non-use on the basis of the number of days the car is not in use or the cost of a substitute car.
Use of a substitute car
Compensation for the use of a substitute car is only paid if there are sufficient reasons for requiring a car, or if a car is necessary in carrying out work or business or being without a car would otherwise cause unreasonable inconvenience.
Compensation is generally 94% of the cost incurred through using a substitute car which corresponds to the claimant’s own car. If compensation is required for using a substitute car, a statement of the claimant’s reasons for needing a car must be sent to the State Treasury on the form below.
Statement for requiring a car (.pdf/103k)