What do I do after an accident as a victim?
Tips: Remain as calm as possible and react prudently if there is an accident and you are the injured party. It is important to secure the scene of the accident, to notify an ambulance in the event of injuries and to notify the police.
What happens if you have an accident?
In the event of a car accident with personal injury, always call the emergency doctor and the police. Provide first aid and take care of the injured until the emergency services arrive and take over. The police will then take care of the accident record.
What data do I need from the other party in the event of an accident?
Victims should always exchange the following data with the other party involved in the accident: Name and address of the other party involved in the accident (comparison with ID or driver’s license) License plate of the vehicle. Name of the opposing insurance company and insurance number. Date, place and time of the accident. Name and address of witnesses.
What data do you need in the event of an accident?
The data of those involved in the accident are not only important for the insurance company or the police, but are also necessary in order to be able to prepare an accident report. This data must be included in the accident report: names and addresses of all those involved in the accident. Place, date and time of the accident.
How do I report damage to the insurance company?
In order to report a claim to liability insurance, you must of course contact them. The insured person must do this immediately. Liability insured persons have various options for this: The provider can usually be reached in three ways online, by telephone and in writing.
What do I have to tell the opposing insurance company?
You can also report damage to your car via the Central Call for Insurers. An important prerequisite is that you know the name and address of the other party’s insurance company or the vehicle registration number of the other party involved in the accident. The number is: 0800 / 250 2600.
What does the opposing insurance company have to pay?
You only have to pay a share yourself if you are partially to blame. In contrast to the legal fees, the expert opinion depends on the amount of the damage. The prerequisite for the opposing insurance company to have to pay is damage of at least 1,000 euros. Some courts set the limit at 1,500 euros.
What does the opposing insurance company pay in the event of an accident?
First and foremost, the opposing car insurance company pays for the repair of your car. However, any medical treatment costs and the costs for a rental car are also covered if you are unable to use your own car as a result of the accident.
When does the opposing insurance company have to pay?
In most cases, the courts consider a review period of four weeks to be appropriate. In some cases, six weeks may be appropriate. The insurance should have paid after six weeks at the latest.
What does insurance have to pay for in a car accident?
Car repairs: The insurance pays the injured party the repair of their vehicle up to 130 percent of the replacement value. The repair costs can be reimbursed notionally. This means that he receives the value of the repair costs that the appraiser has determined.
What does the insurance company have to pay in the event of a total loss?
The insurance usually pays the replacement value minus the residual value. If the repair costs are no more than 30 percent higher than the replacement value, the injured party can request that the insurance company pay for the repair despite the total economic loss.
Who pays for fender damage?
Accident with body damage: when it pays to pay for it yourself Motor vehicle liability pays for accidents that you are at fault for. What many forget: The receipt only comes with the annual statement. Anyone who causes damage is insured – but usually loses their premium discount.
What does the insurance pay?
Motor vehicle liability insurance is your protection against the expensive consequences of an accident, it pays for damage to other vehicles and people. The comprehensive insurance jumps into action if your own car has been damaged. When does car insurance not pay?
What damage does liability insurance cover?
Property damage: You damage or destroy items belonging to third parties. Personal injury: Your actions result in personal injury, other damage to health or even death. Financial losses: You cause financial losses to other people.
What does liability insurance pay for?
Liability insurance offers you, as a private individual, protection against the financial consequences of: Personal injury: Damage caused by personal injury, damage to health or death. Property damage: Damage or destruction of property.
What does personal liability insurance cover?
Personal liability pays for three types of damage: personal injury, property damage and financial loss resulting from personal injury or property damage.
What must be included in liability insurance?
According to Stiftung Warentest, one of the basic characteristics of good personal liability insurance is coverage of at least ten million euros and coverage for damage to rented property of at least 300,000 euros.
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