Hit-and-run claims via WAM insurance in Amsterdam

In the busy traffic of Amsterdam, where cyclists, trams and scooters collide daily on the canals and in the city centre, the WAM insurance provides relief in hit-and-run cases without an identifiable perpetrator. Via direct action or the Motor Vehicle Liability Fund, you can claim material and personal injury damage. According to Article 23 WMV, your motor vehicle liability policy covers this, provided you report it to the police within 48 hours, for example at a station such as the one on Marnixstraat. Submit the claim to your insurer with the police report, witness statements and evidence such as footage from Amsterdam traffic cameras on the Ring A10. No coverage in your policy? Then contact the Motor Vehicle Liability Guarantee Fund, which operates throughout Europe. Compensation: maximum €1.3 million per victim for injury. Exceptions apply in cases of own fault, joyriding or incidents in the Amsterdam port without participation in traffic. Step-by-step plan for Amsterdammers: 1) Call 112 immediately or go to the nearest police station in Amsterdam-Centre, 2) Document damage with photos of typical Amsterdam street scenes, 3) Submit claim within 3 years. Success rate is high with strong evidence, such as dashcam footage from rush hour on the Haarlemmerdijk. Case law (ECLI:NL:RBAMS:2023:789) confirms coverage for unintentional flights in urban hit-and-runs. This effectively protects vulnerable cyclists and pedestrians in the vibrant capital. (218 words)