{"id":32,"date":"2026-06-14T05:18:53","date_gmt":"2026-06-14T05:18:53","guid":{"rendered":"https:\/\/wordpress.themeholy.com\/ensaf\/?p=32"},"modified":"2026-06-18T17:25:00","modified_gmt":"2026-06-18T17:25:00","slug":"materijalna-steta-kako-do-realne-procene-ostecenja","status":"publish","type":"post","link":"https:\/\/advokatubeogradu.com\/en\/materijalna-steta-kako-do-realne-procene-ostecenja\/","title":{"rendered":"Material damage: How to realistically assess the damage?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"32\" class=\"elementor elementor-32\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9490ae e-flex e-con-boxed e-con e-parent\" data-id=\"e9490ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35717165 elementor-widget elementor-widget-heading\" data-id=\"35717165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Material damage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e92cc7b e-flex e-con-boxed e-con e-parent\" data-id=\"3e92cc7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7717234d elementor-widget elementor-widget-heading\" data-id=\"7717234d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Material damage: How to realistically assess the damage?<\/h2>\t\t\t\t<\/div>\n\t\t\r\n\t\t<div class=\"elementor-element elementor-element-28bd440e elementor-widget elementor-widget-text-editor\" data-id=\"28bd440e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tProperty damage refers to the property loss you have suffered as a result of an accident. Most often it is damage to the car itself, but it also includes destroyed items in the vehicle (e.g. phone, laptop, child seat), as well as the costs of the towing service.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5898fb elementor-widget elementor-widget-text-editor\" data-id=\"a5898fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>Inspection report:<\/strong> After the police have carried out an investigation (or after you have completed a European Road Accident Report for minor damage), the at-fault party's insurance company must carry out an assessment of the damage to your vehicle.<br \/><br \/><\/li>\n<li><strong>The \u201ctotal damage\u201d trap:<\/strong> Insurance companies often declare a \"total loss\" because it pays them more to pay you the estimated value of the rest of the vehicle than the actual repair. In this case, the lawyer can hire an independent traffic expert who will determine the real market value and the cost of repairs.<br \/><br \/><\/li>\n<li><strong>Lost benefit:<\/strong> If you use the car for work (taxi, delivery, commercial work), you have the right to compensation for the wages you lost during the period while the vehicle was being repaired.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6793fa7f elementor-widget elementor-widget-heading\" data-id=\"6793fa7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Non-material damage: Monetary compensation for physical and mental pain<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177b136f elementor-widget elementor-widget-text-editor\" data-id=\"177b136f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNon-material damage is compensation for mental and physical suffering suffered. All participants in an accident who have suffered injuries are entitled to this compensation, including the driver who was not at fault, passengers, passengers on public transport or pedestrians.<br><br>\nInsurance companies generally offer minimum \"flat-rate\" amounts, while by hiring a lawyer before the court or through reasoned objections, significantly higher amounts can be obtained for the following types of damage:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dacef61 elementor-widget elementor-widget-text-editor\" data-id=\"dacef61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li><strong>Physical pain suffered:<\/strong> Intensity and duration of pain due to injuries (from light ones such as whiplash injuries to severe fractures).<\/li>\n<li><strong>Fear suffered:<\/strong> The fear you felt at the very moment of the accident (primary fear), as well as subsequent fear and anxiety during treatment (secondary fear).<\/li>\n<li><strong>Decrease in general life activity:<\/strong> If the injuries have left permanent consequences that prevent you from engaging in sports, hobbies or daily activities in the way you did before the accident.<\/li>\n<li><strong>Damage (Aesthetic Damage):<\/strong> Compensation for permanent scars, deformities or changes to the body caused by injuries or operations.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49facfe8 elementor-widget elementor-widget-heading\" data-id=\"49facfe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key Steps Immediately After an Accident (Golden Rules for Billing)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d761180 elementor-widget elementor-widget-text-editor\" data-id=\"d761180\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tNon-material damage is compensation for mental and physical suffering suffered. All participants in an accident who have suffered injuries are entitled to this compensation, including the driver who was not at fault, passengers, passengers on public transport or pedestrians.<br \/><br \/>Insurance companies generally offer minimum \"flat-rate\" amounts, while by hiring a lawyer before the court or through reasoned objections, significantly higher amounts can be obtained for the following types of damage:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-713af57f elementor-widget elementor-widget-text-editor\" data-id=\"713af57f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol>\n<li><strong>Call the police and emergency services:<\/strong> The official police report is the basic document that proves who is to blame for the accident.<br \/><br \/><\/li>\n<li><strong>Go to your doctor NOW:<\/strong> Even if you feel fine, adrenaline can mask injuries (such as neck injuries or internal bleeding). The medical report from the Emergency Center or emergency service, with the date of the accident, is the key evidence for non-material damage. If you see a doctor only after a few days, the insurance will claim that the injury did not occur in an accident.<br \/><br \/><\/li>\n<li><strong>Keep all documentation:<\/strong> Collect medical reports, receipts for medications purchased, towing service receipts, and all rehab instructions.<br \/><br \/><\/li>\n<li><strong>Do not sign the first insurance quote without consulting:<\/strong> Insurance companies are driven by their own profits. Their first out-of-court compensation offers are almost always many times lower than what you are entitled to by law and case law. By signing that offer, you usually waive your right to further billing.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d4a7af7 elementor-widget elementor-widget-heading\" data-id=\"3d4a7af7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does a lawyer help you?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5627470c elementor-widget elementor-widget-text-editor\" data-id=\"5627470c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe procedure for collecting damages can be resolved by an out-of-court settlement (through negotiations and objections to insurance) or by court. The lawyer takes over all communication with the insurance companies, organizes independent expert reports by medical and traffic experts, and files a lawsuit if the insurance refuses to pay a fair amount.\nMost important of all - most lawyers in these proceedings work on a percentage of the collected damages, which means that you do not have upfront costs, but you pay the lawyer only when you successfully collect the insurance money.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-555b1729 elementor-widget elementor-widget-ensafbutton\" data-id=\"555b1729\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ensafbutton.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"btn-wrapper\"><a class=\"th-btn th_btn style2\" href=\"https:\/\/advokatubeogradu.com\/en\/blog\/\"><i class=\"fa-regular fa-arrow-left-long\"><\/i>Back to Blog<\/a><\/div>\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\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Materijalna \u0161teta Materijalna \u0161teta: Kako do realne procene o\u0161te\u0107enja? Materijalna \u0161teta odnosi se na imovinski gubitak koji ste pretrpeli usled udesa. Naj\u010de\u0161\u0107e je to \u0161teta na samom automobilu, ali u nju spadaju i uni\u0161tene stvari u vozilu (npr. telefon, laptop, de\u010dije sedi\u0161te), kao i tro\u0161kovi \u0161lep slu\u017ebe. Zapisnik o inspekciji: Nakon \u0161to policija izvr\u0161i uvi\u0111aj&#8230;<\/p>","protected":false},"author":1,"featured_media":5708,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[14,16,17],"class_list":["post-32","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-health-care","tag-law","tag-law-nft","th-blog blog-single has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/32","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/comments?post=32"}],"version-history":[{"count":11,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/32\/revisions"}],"predecessor-version":[{"id":5860,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/posts\/32\/revisions\/5860"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/media\/5708"}],"wp:attachment":[{"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/media?parent=32"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/categories?post=32"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advokatubeogradu.com\/en\/wp-json\/wp\/v2\/tags?post=32"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}