You can claim compensation from the Finnish Motor Insurers' Centre (LVK) for traffic accidents caused by uninsured and unknown vehicles, those exempted from motor liability insurance, foreign vehicles, vehicles holding temporary and frontier motor liability insurance policies. LVK also compensates reindeer owners for damage to their reindeer caused by vehicles. Read more about the damage compensated by LVK here.
The driver of the vehicle that caused the damage must prepare a written damage report and submit it to the Finnish Motor Insurers' Centre. If the party causing the damage is unknown (e.g. personal injury caused by an unknown vehicle), or they have not reported the accident, the injured party shall themselves submit a damage notification to LVK.
The damage report forms are available here.
The contact information for LVK's injuries and claims service:tel: +358 40 450 4520vahingot(@)vakuutuskeskus.fifax: +358 40 450 4695
Send the duly filled in and signed damage report the Finnish Motor Insurers' Centre by mail, fax or e-mail attachment.
The damage report cannot be submitted by phone.
You can send secure email to the Finnish Motor Insurers' Centre from here. Read more on sending secure email below.
You can send documents relating to the accident to the Finnish Motor Insurers' Centre safely using the secure email. You can send secure email from here: https://securemail.vakuutuskeskus.fi/
Secure email is a safe way to send confidential documents that may contain personal and medical details, such as doctors' statements.
Please make sure that you write the recipient, i.e. the email address, correctly. The Finnish Motor Insurers' Centre accepts no responsibility for wrongly sent mails.
If the damage was caused by a foreign vehicle, the damage case processing is faster if the vehicle's insurance company details are provided. Whenever possible, a copy or photograph of the foreign vehicle's international insurance certificate (green card) should be sent to the Finnish Motor Insurers' centre.
If you cannot get a photograph or copy of the green card, then make a note of at least its validity, the policy number and the insurance company. For reference, you can look at a Russian green card here.
All documents which clarify the damage (e.g. the police investigation report, possible photos, a copy of the green card) should be appended to the damage report.