It is not always elemental damage such as hail damage or storm damage to the car: glass damage or accidents involving animals can also lead you to the partner workshop. But the most unpopular case of damage is and remains an accident on the road with the other party involved in the accident.
In this case, the course of the accident must be reconstructed. Like you, the other party involved in the accident must be responsible for the damage if they caused the accident. And although the procedure is actually simple, there are always problems with the other party involved in the accident.
The other party does not report the damage themselves
Your Insurance Coverage protects you against the high costs of an accident. As a vehicle owner, you benefit from this driver protection insurance. It doesn't matter whether the accident was your fault, whether you acted with gross negligence or not. In the event of damage, the same applies to the other party who was involved in the accident, who is also subject to compulsory insurance.
Since an economic total loss can have serious consequences, not everyone involved in an accident reports the incident or, in the worst case, even commits a hit-and-run. For him, the consequences of this behavior are evident in the no-claims classes and the increased risk of comprehensive insurance.
You should write down the most important data so that the damage can be settled and you get the replacement value for your vehicle. And as precisely as possible:
- Name and address of the other person involved in the accident. The best thing to do is to compare both with your ID.
- The license plate number of the opposing vehicle owner. This often succeeds even in the case of a hit-and-run, when the other party involved in the accident is just getting out of the dust.
- The insurance number of the other party involved in the accident and the name of the insurance company.
- Place, date and time of the accident.
- Names and addresses of potential witnesses.
It's actually not your job to find out about the other party's insurance company. However, it can be helpful in some cases. In principle, however, every policyholder is obliged to report the damage to his motor vehicle comprehensive insurance or fully comprehensive motor vehicle insurance. The same applies, of course, if only the electronic insurance confirmation for motor vehicle liability insurance is available.
In such cases, the insurance takes care of possible transfer costs. And also about settling the damage after the main due is settled. An authorized driver only has to pay the costs for the deductible.
The opponent has no insurance at all
Despite compulsory insurance, it is possible that the other party involved in the accident does not have insurance. If the insurance has expired for more than a month - this is referred to as extended liability - the question no longer arises "Which insurance company is my accident opponent with?". In this case, the traffic victim assistance jumps in.
Important : Accidents can also happen abroad, which is why foreign damage protection is particularly important. The so-called Mallorca Police helps in such situations, for example with rental cars. Even if the other party involved in the accident does not have German insurance, there is hope that the damage can be settled.
Do you want to identify the other party involved in the accident? One call is enough!
There is also a point of contact outside the limits of your insurance. It helps you to subsequently identify the other party involved in the accident or their car insurance company: the central call for car insurers. You can reach him on the telephone number 0800/2502600. If you report damage here, the association will forward it directly to the responsible car insurance company.
What to do if the other party is lying?
Did the person who caused the accident deny guilt? This actually happens again and again. If you cannot come to an agreement, it may make sense to have the other party involved in the accident reported later. Since traffic offenses are a very specific field, it is best to consult an expert: a specialist traffic lawyer. He can help you report the circumstances. And also supports you in court to get your rights.
0 Comments