Osiguravač će nadoknaditi štetu pod uslovom da osiguranik priloži zapisnik.

The insurer will compensate for the damage provided the policyholder attaches the report.

Breakdown of Osiguravač će nadoknaditi štetu pod uslovom da osiguranik priloži zapisnik.

• hteti: will
• šteta: a pity; damage
• osiguravač: an insurer
• osiguranik: an insured person; policyholder

Questions & Answers about Osiguravač će nadoknaditi štetu pod uslovom da osiguranik priloži zapisnik.

What is the difference between osiguravač and osiguranik?

These two words are easy to confuse because they both come from osiguranje (insurance).

• osiguravač = the insurer, the insurance company, the party that provides insurance
• osiguranik = the insured person / policyholder, the person who is insured

So in this sentence:

• Osiguravač will compensate...
• ...provided that osiguranik submits a report.

A useful memory trick:

• -vač often refers to a doer or provider
• -nik often refers to a person involved in something

Why is će nadoknaditi used here? Is that the future tense?

Yes. će + infinitive is the standard way to form the future tense in Serbian.

Here:

• će = will
• nadoknaditi = to compensate / reimburse / make up for

So:

• Osiguravač će nadoknaditi štetu = The insurer will compensate the damage/loss

This is the normal future construction in Serbian:

• Ja ću doći = I will come
• Oni će platiti = They will pay

In formal written Serbian, the infinitive often stays separate after će, as in this sentence.