Vehicle liability damage
Information for policyholder
Our assessment of the incident is that you were at fault. But don't worry!
Your mandatory vehicle insurance will cover the other party's damage and we will handle all further communications regarding the matter.
Below we have compiled information about the next steps that we hope you will find useful.
For your information
The other party's damage will be assessed by an authorised workshop with a contract with VIS, if the other party requests repairs to their vehicle. If the other party requests negotiated compensation due to the damage, they will be instructed to take the vehicle to Smiðshöfði 3-5, where VIS damage inspectors will assess the damage. Compensation will only be paid for damage that occurred in the incident in question.
Was your vehicle damaged in the accident?
If there is no comprehensive insurance, the damage to your vehicle is unfortunately something you are responsible for. VIS does not compensate non-insured damage.
If you have comprehensive insurance, VIS will compensate the damage to your vehicle accordingly.
If you did not inform us during the notification process that you wished to use your comprehensive insurance in the event that you were found at fault, please contact us.
If you informed us during the notification process that you wished to use your comprehensive insurance, you have already received an email or an SMS to confirm that comprehensive insurance is available. See further information.
Was anyone injured?
If the unfortunate event that you or others were injured in the collision, we would like to remind you that the accident must be reported separately.
Do you disagree?
If you disagree with our decision in the matter, you are welcome to contact us and receive a more detailed explanation.
Occasionally, the policyholder and VIS do not agree on whether or not damage should be compensated. If you are not satisfied with the decision on the assignment of fault, you will have the opportunity to refer the matter to the Claims Committee (Tjónanefnd) or the Appeals Committee for Insurance Matters (Úrskurðarnefnd í vátryggingamálum).
If you wish to submit the matter to the Claims Committee, please send us an email to tjon@vis.is as soon as possible. We will bring the matter before the Committee on your behalf. There you will have the opportunity to submit a more detailed statement in support of your case.
See further information about disputes.
Good luck!
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VIS reserves the right to change a decision on the assignment of fault if new evidence is submitted or if committees or the courts come to a different conclusion on the assignment of fault.
Please note that if a driver causes damage by intent or gross negligence, for instance, if the driver was under the influence of drugs or alcohol or was guilty of dangerous driving or driving without a driver's license, the driver will be required to repay any compensation paid by an insurance company for the damage.
If you believe that the above information is not relevant to your damage, please contact us at 560 5000 or tjon@vis.is
For your information
The other party's damage will be assessed by an authorised workshop with a contract with VIS, if the other party requests repairs to their vehicle. If the other party requests negotiated compensation due to the damage, they will be instructed to take the vehicle to Smiðshöfði 3-5, where VIS damage inspectors will assess the damage. Compensation will only be paid for damage that occurred in the incident in question.
Was your vehicle damaged in the accident?
If there is no comprehensive insurance, the damage to your vehicle is unfortunately something you are responsible for. VIS does not compensate non-insured damage.
If you have comprehensive insurance, VIS will compensate the damage to your vehicle accordingly.
If you did not inform us during the notification process that you wished to use your comprehensive insurance in the event that you were found at fault, please contact us.
If you informed us during the notification process that you wished to use your comprehensive insurance, you have already received an email or an SMS to confirm that comprehensive insurance is available. See further information.
Was anyone injured?
If the unfortunate event that you or others were injured in the collision, we would like to remind you that the accident must be reported separately.
Do you disagree?
If you disagree with our decision in the matter, you are welcome to contact us and receive a more detailed explanation.
Occasionally, the policyholder and VIS do not agree on whether or not damage should be compensated. If you are not satisfied with the decision on the assignment of fault, you will have the opportunity to refer the matter to the Claims Committee (Tjónanefnd) or the Appeals Committee for Insurance Matters (Úrskurðarnefnd í vátryggingamálum).
If you wish to submit the matter to the Claims Committee, please send us an email to tjon@vis.is as soon as possible. We will bring the matter before the Committee on your behalf. There you will have the opportunity to submit a more detailed statement in support of your case.
See further information about disputes.
Good luck!
---
VIS reserves the right to change a decision on the assignment of fault if new evidence is submitted or if committees or the courts come to a different conclusion on the assignment of fault.
Please note that if a driver causes damage by intent or gross negligence, for instance, if the driver was under the influence of drugs or alcohol or was guilty of dangerous driving or driving without a driver's license, the driver will be required to repay any compensation paid by an insurance company for the damage.
If you believe that the above information is not relevant to your damage, please contact us at 560 5000 or tjon@vis.is