The Czech Insurance Association Digitalized Accident Reporting: 20% of Records Are Now Processed Online via the Bouračka Web App

The Bouračka web application, developed by Trask, connects to state registries and automatically retrieves and verifies the necessary data. It is intended for accidents involving two parties without injury, with an estimated damage of up to CZK 200,000, for which the intervention of the Police of the Czech Republic is not necessary. It can thus cover up to 170,000 minor accidents per year.

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Bouračka Web App: Results in Numbers

1. 6 months from analysis to deployment, including public testing
2. 35,000+ unique users in the first days after launch
3. 4 months after launch: 20% of all traffic accidents reported digitally (more than 100 accidents per day on weekdays)
4. Report processing in 18 minutes—a fully digital process available from anywhere
5. Up to 170,000 accidents per year can be processed electronically—faster and with a lower error rate

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Real Benefits: Drivers and Insurers Both Profit

For Drivers

• No need to carry and fill out a paper form in the car
• The entire process can be managed directly at the scene of the accident in a few steps
• Automatic data retrieval, GPS, and photo documentation minimize errors
• Information is sent to the accident participants via email

For Insurers

• Photographs of damaged vehicles and the accident scene—a benefit over the original paper form
• Standardized digital data accelerate the processing of insurance claims
• Fewer errors and incorrectly filled-out forms from clients
• Direct access to relevant data from registries
• Higher security and transparency of the entire process

With the Bouračka application, we have transformed the outdated manual process of reporting minor traffic accidents into a fast digital solution that saves time, reduces errors, and makes the processing of insurance claims more efficient. It is a well-thought-out innovation with the potential to digitize up to 170,000 accidents annually.

— Jan Matoušek, Executive Director, Czech Insurance Association

A Modern Alternative to Paper Forms: Bouračka Digitalizes Accident Reporting

Bouračka.cz fundamentally modernizes the way minor traffic accidents are reported in the Czech Republic—transforming a paper process into a digital, intuitive, and secure solution available in a browser. The project was designed with an emphasis on user experience and reliability. Public testing was conducted in the initial phase, which helped to verify the concept, communication methods, and application logic, ensuring that the completion process is understandable even in stressful situations.

Bouračka complements the existing paper form, which remains fully valid. It thus offers drivers a modern digital alternative—faster, more secure, and available directly in an internet browser.

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Four Advantages of the Bouračka Web App in Practice

1. Web-Based and Intuitive: The application works directly in the browser, with no installation necessary. It guides drivers through an intuitive interface that allows them to handle the entire reporting process quickly, securely, and without stress—directly at the scene of the accident.
2. Smart Integrations: Bouračka is connected to the Central Register of Drivers, the Register of Road Vehicles, and the insurance policy database, where data on vehicles, driving licenses, and their insurance are stored. Thanks to this, it automatically retrieves and pre-fills necessary data, which minimizes errors and saves time for participants and insurers.
3. Convenience Right on the Spot: The application uses OCR for recognizing documents and license plates, GPS for determining location, and map data for accurately plotting the accident scene. Trask's ZenID technology, also used in the banking sector, ensures secure identity verification and automatic data retrieval from ID cards.
4. Security and Reliability: From the outset, emphasis was placed on maximum protection of personal data and system scalability. All communication is encrypted. After the record is submitted, the data is transferred to the System for Evidence of Traffic Accidents, where it is available to insurance companies. The solution is designed to function reliably even under extraordinary loads, such as during natural disasters or when the number of reports increases.

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Bouračka Web App: Secure and Scalable Operation Thanks to Microsoft Azure

The Bouračka.cz solution is built on a modern technological foundation utilizing the Microsoft Azure cloud platform, which ensures high availability, scalability, and operational security even under extraordinary loads.

Reporting Process: Five Steps from Verification to Submission

The process in the Bouračka.cz application is designed to be as clear, intuitive, and time-efficient as possible. The entire record can be completed from a mobile phone in approximately 18 minutes, without the need for installation.

1. Participant Verification via SMS‍
   
   1. Verification of accident participants using an OTP code sent via SMS
   2. Consent to the processing of personal data
2. Scanning of Personal Documents
   
   1. Automatic scanning and retrieval of data from documents using ZenID technology
   2. Identity verification and data retrieval from the driving license
3. Photographing Vehicles and Describing Circumstances
   
   1. Taking photographic documentation of the vehicles, their damage, and the situation at the scene
   2. Automatic completion of the accident location and time using GPS
   3. Determination of the at-fault party
4. Automatic Completion of Data from Registries
   
   1. Automatic retrieval of information about vehicles and insurance policies from the license plate
   2. Verification of the validity of compulsory liability insurance and participant data
5. Confirmation and Submission of the Report
   
   1. Electronic signature using OTP SMS
   2. Automatic creation and sending of the resulting PDF record to participants and insurance companies
   3. Storage in the central system for evidence of traffic accidents

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Before / After

Availability

• Earlier (Paper Form): Paper form and pen required
• Now (Bouračka.cz): Any smartphone, directly in the browser

Filling in data

• Earlier (Paper Form): Manual, frequent errors
• Now (Bouračka.cz): Automatic data retrieval from registries, OCR scanning, error elimination

Instructions

• Earlier (Paper Form): Unclear steps
• Now (Bouračka.cz): Intuitive step-by-step guide

Photo documentation

• Earlier (Paper Form): Drawing only
• Now (Bouračka.cz): Integrated photography and GPS location recording

Signature and submission

• Earlier (Paper Form): Manual signature, physical submission
• Now (Bouračka.cz): SMS signature and immediate digital submission

Security

• Earlier (Paper Form): Paper archiving
• Now (Bouračka.cz): Maximally secure environment, data validation from registries, GDPR compliance

It was important to us that the application worked really reliably. Everything was therefore very thoroughly tested before its launch. Together with the Trask team, we delivered a high-quality solution, with an emphasis on security, simplicity, and reliable operation.

— Jan Matoušek, Executive Director, Czech Insurance Association

About the Czech Insurance Association (ČKP)

The Czech Insurance Association is a professional organization of insurance companies that are authorized to provide liability insurance for damage caused by the operation of a vehicle (so-called compulsory liability insurance) in the Czech Republic. The Czech Insurers' Bureau administers the guarantee fund, which is used to cover damages caused by uninsured vehicles. It also administers the damage prevention fund and operates the Driver's Helpline 1224. ČKP handles the settlement of specific insurance claims and operates an information center for motorists.

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