Car accident in Bishkek: assessment and payout
After an accident, first help the injured and call the emergency services: ambulance 103, GUOBDD 100 or 102. Then record the damage in its original state and do not start repairs. Then order an independent damage assessment.
The appraiser’s report, with the calculation and the defect list, may be needed for the insurance payout. It takes 3–5 days from the inspection to a finished report, up to 7 for major damage.
What to do step by step
Switch on the hazard lights, help the injured and call an ambulance (103). Report the accident to GUOBDD: 100 or 102.
Do not start repairs. The damage has to be recorded in its original state.
Photograph each damaged area and record a video. Send the photos and the video on WhatsApp: we agree on the cost based on them.
Gather the documents: the owner’s passport and the vehicle registration document. For an insurance case, the details of the accident are also needed.
Notify your own insurer no later than 5 working days (Rules, para. 35).
Book an in-person inspection. If the car cannot be driven, the appraiser comes to you in Bishkek and the suburbs.
Get the report: two paper copies with the appraiser’s signature and stamp.
Case breakdowns
Each page answers one question: a direct answer, the order of steps and a list of what to prepare.
When an independent assessment is needed
An independent assessment is needed when the insurance payout requires documents. It is also needed when the insurer has calculated the repair cost lower than it is at market prices.
The appraiser inspects the car in person, photographs each damaged area and calculates the restoration cost at market prices for parts, labour and materials.
If the car cannot be driven, is at an impound lot or at a repair shop, an on-site inspection is needed.
If the insurer does not accept the report, we redo it or help you dispute the decision.
Frequently asked questions after an accident
What should I do right after an accident?
First, do not start repairs: the damage has to be recorded in its original state. Photograph each damaged area and send the photos and a video on WhatsApp. The full order of steps is on the page “What to do after an accident”.
How much does a damage assessment after an accident cost?
From 4 500 KGS for 1–2 damaged parts, up to 7 000 KGS for 11 or more. We agree on the cost after you send photos and a video of the damage on WhatsApp.
How long does the assessment take?
3–5 days from the inspection to a finished report. For major damage, up to 7 days.
Can the damage be assessed from photos alone?
No. A damage assessment includes an in-person inspection, photo records and a defect list. Photos and a video help us agree on the cost.
What documents are needed for the assessment?
The owner’s passport and the vehicle registration document. For an insurance case, the details of the accident are also needed. We confirm the exact list when you get in touch.
What if the insurer does not accept the report?
We will redo the report or help you dispute the insurer’s decision. The steps are on the page “The insurer paid too little: what should I do?”.
Send photos of the damage on WhatsApp
We agree on the cost based on the photos and the video. We will tell you which documents you need and when the inspection can take place. Message us on weekdays from 9:00 to 18:00.