Evaluate your car damage online.

Find out how to get the money in 48 Hrs.

Were you involved in a car accident? Let us handle it.
We mediate the entire process with the insurer – from evaluation to compensation.

Be among the first to try PayPact

Choose one of the PayPact services

Whether you choose to notify the claim or evaluate the damage, you can do everything straight from your mobile phone. 

Claim notification


You send the information about the accident and the damage, photos of damage, as well as the necessary documents  using your smartphone

Damages evaluation


Upload all the necessary documents and photos and you get the evaluation and a complete offer of parts needed for repairs. 

Compensation in 48 Hrs



We  mediate with the insurer the entire claim process and we send the money straight to your bank account, in a maximum of 48 Hrs.  


Press mentions

How the PayPact evaluation works

Take photos with your phone straight at the place of the accident

Take photos with your phone straight at the place of the accident

Select the damaged areas of the car quickly and easily.

Write down all the details about the damage. It's that simple.

Select the insurers of the two parties involved with just one tap

Use the app to select the insurance companies.

You answer the questions for the claim file directly in the app.

You are guided step by step according to the circumstances of the accident. ​

You can track online the situation of your file at any time

Whether you choose to be notified or make a damages evaluation, everything is on your phone

It doesn't matter where you had the accident, you can use PayPact anywhere in Romania

You can easily check the status of the requested service, on your phone or email.

What early testers say

A simple and super quick solution

Making an MTPL claim in Romania  can be pretty difficult. However, now I feel more relaxed before a trip, as I have this handy solution in case anything happens.

Andrei Popescu

Aggrieved party in an accident with a European accident statement

I managed to solve everything on my phone

Last time I had an accident, I.  wasted a few hours on the process. As a freelancer with deadlines, it’s frustrating. I wish I had PayPact then, it would have been a much faster process. 

Ania Sirbu

Aggrieved party in an accident with a police report

Save time and solve everything in a few minutes on your phone


Make the claim notification online, straight on your phone and you no longer need to go to the insurance company in person.

Upload all the photos and documents in the PayPact app and you can compare the offer received from the insurer with the one received from us.

You can choose to receive financial compensation for your claim straight from PayPact instead of repairing the car in a workshop recommended by the insurer.

Assess the damage with PayPact and compare our offer with the one received from the insurer.

What the press says about the PayPact launch

“A new insurtech promises to make life easier for both clients and insurers, by simplifying  the claim process for MTPL insurance.”

“For the first time in Romania, PayPact introduces compensation after an insured risk in   a maximum of 48 hours.
The PayPact innovation is the file registration process via the web app.”

“The information about the claim is sent automatically to the insurance companies for quick validation. Once a file is approved, the damaged client  has the possibility to receive the money within 48 hours straight from  PayPact.
Also, by having extended anti-fraud and data analysis capabilities, by identifying clients at banking security standards and providing  a high performance data interoperability system, PayPact is a modern resource that extends the channels insurers have to support their clients. 

“The Scala Assistance co-founder launches a digital startup for MTPL claims, PayPact.
PayPact has developed a complete user flow that allows creating the claim file on your smartphone,  just a few minutes after the accident has occurred.

Pay Pact reduces the claim payment wait time  to just 48 hours since approval by the insurer. The damaged party can create and send the claim file digitally using the PayPact web app, which guides them step by step, the entire process being reduced from one hour to 10 minutes.”

Questions about common traffic situations

1. What do I need to do if I am the aggrieved party in a car  accident?

First of all make sure that all the involved persons are safe and the damage of the vehicles don’t jeopardize anyone’s safety (fire hazard, leaks, cutting edges, etc). If there are any injuries, call 112.

If there is no other damage than to the two involved vehicles, you can fill in an accident statement with the other party. If there is no agreement regarding guilt, it is necessary to contact the police to  obtain a police statement. Prepare all the necessary documents. 

2. What documents do I need for an MTPL claim?

First make sure you have a valid periodic technical inspection.  

  • Valid insurance policy
  • Car registration
  • Driver’s license(optional) ID
  • Contact information for the insured party, if different from the driver.

3. When can I fill in an accident statement?

If  the accident involves two vehicles on a public road, with valid insurance policies and periodic technical inspections. The two involved parties need to agree on guilt and then fill in the document with no police intervention.  If the accident involves more than two vehicles, resulting in injuries or damage to other elements (fences, poles, etc), then you cannot fill in the accident statement and it is necessary to call the police.

The PayPact launch comes with exclusive offers for drivers. Sign up and be among the first to find out when we launch!

The only damages assessment app in Romania



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