PGW, Polska Grupa Wierzytelności sp. z o.o.My account
Guide

Compensation · 5 min readPublished/updated:

Compensation after an accident: what you can claim from the insurer

After a road accident you are entitled to more than car repairs: compensation for pain and suffering, treatment costs, lost income and periodic payments. See the full list of claims.

After a road accident, the at-fault party’s insurer is responsible for its consequences under their third-party liability policy. In practice, the first payout is sometimes too low, and injured people do not submit all the claims they are entitled to.

Claims following personal injury

  • Compensation for non-material harm for harm suffered, pain, suffering and reduced quality of life.
  • Reimbursement of treatment and rehabilitation costs, travel, care and equipment.
  • Lost income for the period of incapacity for work.
  • Periodic compensation payments, in cases of permanent impairment or increased needs.

Claims following vehicle damage

  • Repair costs based on original parts rather than replacement alternatives.
  • Hire of a replacement car during repairs.
  • Loss of the vehicle’s market value after repairs.

Read more about top-ups to underpaid claims on our page about property damage compensation, and about personal injury on our page about road accident compensation.

Why it is worth checking the payout

Accepting an underpayment usually does not prevent you from claiming the difference before the limitation period expires. Submit your case: we will assess what you are actually entitled to free of charge. You pay on success.

Share Facebook LinkedIn X WhatsApp

This material is for information only (as at lipiec 2026) and does not constitute legal advice. We will assess your specific case after you submit it.

Do you have a case like this?

Submit it online: commission only on success, no upfront fees.*

Read also

All guides

FAQ

Frequently asked questions

If you have not found an answer, write to us and describe what you need.

Ask a question
What does e‑PGW's help cost?
You pay only on what we actually recover, with success-based commission from just 6%. No joining fee, and if we recover nothing, you pay nothing. Full tiers are on the Pricing page.
What cases do you handle?
Debt recovery, compensation and consumer bankruptcy. Criminal, civil and inheritance cases, as well as business bankruptcy and restructuring, are handled by independent law firms; the choice of representative is entirely yours. A legal adviser or advocate of your choice represents you in court.
Do I need to visit the office?
No. Submit and manage your case in the e‑PGW app, scan documents with your phone, sign the downloaded agreement PDF with a free trusted signature through mObywatel albo by hand on paper and send it back, and track the status 24/7.
How do I submit a case?
Create an account, choose a category and answer a few questions. We will make a preliminary assessment within one business day of a complete submission and explain possible outcomes.