Terug naar Encyclopedie
Verzekeringsrecht

Insurance After an Accident: Step by Step

In the vibrant canals and bustling streets of Amsterdam, accidents can strike unexpectedly, leaving residents navigating a maze of insurance claims amid the city's unique urban challenges. This articl

4 min leestijd

In the vibrant canals and bustling streets of Amsterdam, accidents can strike unexpectedly, leaving residents navigating a maze of insurance claims amid the city''s unique urban challenges. This article, "Verzekering na een ongeluk: stap voor stap," provides Amsterdam dwellers with a clear, tailored guide to securing rightful coverage under Dutch insurance law—from immediate reporting to settlement. Stay protected and informed in the heart of the Netherlands.

Title: Insurance After an Accident: Step by Step

Insurance After an Accident: Step by Step

An accident can happen in the blink of an eye. Whether it''s a traffic accident, a fall on the street, or a collision at the workplace: after the incident, insurance often comes into play. As a victim, you want to know quickly what you are entitled to, such as compensation for medical costs, loss of income, or material damage. This article explains step by step how to deal with your insurance after an accident. It is practical advice for everyone, without legal jargon. Important: in case of injury or serious damage, immediately engage a professional such as legal expenses insurance or a lawyer.

Step 1: Immediately After the Accident – Safety and Documentation

Ensure safety first. Stop the car safely, turn on hazard lights, and call 112 in case of injuries or dangerous situations. Is there injury? Note down names and contact details of witnesses, the other party, and emergency services. Take photos of the damage, the location, and any injuries. Request a police report if it is a traffic accident – this is crucial evidence. Tip: Most important rule: do not admit fault at the scene of the accident. Say something like "I don''t know" if someone asks who is at fault. This prevents problems with the insurance claim.

Step 2: Check Which Insurances Are Relevant

The Netherlands has various insurances that may come into play:

  • WA Insurance (Liability Insurance): Mandatory for cars. Covers damage you cause to others.
  • WA+ Limited Casco: Additional coverage for your own damage due to fire, theft, or collision with a stationary object.
  • All-risk (Comprehensive Casco): Broadest car insurance, including in case of your own fault.
  • Accident or Passenger Insurance: For personal injury to you or passengers.
  • Legal Expenses Insurance: Assists with claims and legal proceedings.
  • Travel or Recreation Insurance: For accidents on vacation or with a bicycle/electric scooter.
  • Work-related Accidents Insurance: If it happens at work, via the employer.

Check your policy conditions via "My Insurances" on your insurer''s website or app. Do you not have your own insurance? Then you can often claim from the other party (if they are at fault) via their WA insurance.

Concrete action: Make a list of your policy numbers and interested parties (you, employer, other party).

Step 3: Report to the Insurer as Soon as Possible

Time is money. Report the accident within 24 hours to a maximum of 7 days, depending on your policy. Use the online claim form, app, or call the hotline. Provide details: date, time, place, description, photos, and police report. What you need for the report:
  • Police or expert report.
  • Invoices for repairs or medical costs.
  • Witness statements.
  • Medical certificate in case of injury.

The insurer will send a claims adjuster or assessor. Be polite but assertive: ask for a clear timeframe for handling (usually 6 weeks for small claims).

Tip for injury: Also report to your health insurer for medical costs. In case of whiplash or long-term injury: keep a diary of symptoms, work absence, and costs.

Step 4: Follow the Handling and Gather Evidence

After reporting, you will receive a claim number. Track the status online or via the app. The insurer assesses liability (often 50/50 in unclear cases) and calculates the damage.

Steps to take:

1. Repair only after approval: Wait for approval to avoid the deductible.

2. Collect receipts: For everything: towing costs, rental car, physiotherapy, medication.

3. Request an advance: In financial need, you can request an advance payment.

4. Check the calculation: Don''t understand the estimate? Ask for an explanation. Suspect foul play? Have a counter-expertise done (often reimbursed).

In case of dispute over liability: the police or a traffic expert decides. Maintain contact via email for a paper trail.

Step 5: If Dissatisfied – Escalate and Take Legal Steps

Not satisfied with the handling? Send a complaint to the insurer''s management (response required within 6 weeks). Then to the Kifid (Financial Services Complaints Institute, free and binding up to €25,000).

Legal assistance:
  • Legal Expenses Insurance: They take over.
  • Municipal Legal Aid Clinic: Free advice.
  • Lawyer: Via legal aid (subsidized legal assistance) if income is low.
  • Victim Support Netherlands: Emotional and practical support (0800-7222).

In case of serious injury: also claim non-material damage (for pain and suffering).