Agreement signed between most insurers in the Portuguese market, which allows the policyholder, in the context of motor insurance, to resolve the claim with the insurer itself, who will pay the insured directly for the damages, avoiding the need to contact the insurer of the responsible third party. The agreement is applicable to accidents that occur in Portugal, where only two vehicles with valid insurance intervene and which only result in material damage of less than a certain amount. It is also necessary that the Friendly Vehicle Accident Declaration (FVAD) is duly completed and signed by both drivers.