t steps to protect your claims with the other party’s insurance and ensure you’re legally covered. Here are the key points you should keep in mind in order to protect your legal position:
Secure the accident scene:
Position your vehicle so that it does not obstruct traffic. Use safety vests and place a warning triangle at least 100 meters from the accident site to alert other road users.
Document the accident scene from various angles, including damage to the vehicles and relevant environmental factors (e.g., traffic lights, road signs, etc.). These photos are crucial for reconstructing the accident accurately.
You can also draw a simple sketch to illustrate how the accident happened.
Swap insurance and contact details with the other driver. This information is essential for processing the claim.
Notify the police:
Report the accident to the police, especially in cases of personal injury or significant property damage. Remain at the scene until the police arrive and provide accurate statements regarding the circumstances of the accident.
Make sure they write an accident report.
Also, fill out the European Accident Report, which has standardized fields for both parties and helps avoid misunderstandings.
Don’t admit fault, even if you’re unsure. The insurance companies will determine who is at fault.
Speak to witnesses:
Talk to potential witnesses and record their contact details. Independent witnesses can be vital in the event of a dispute.
Engage an independent expert:
Get an independent expert to assess the damage to your vehicle. This report will serve as the basis for settling the claim.
Your lawyer, as well as your insurance company can help you find a certified appraiser.
Undergo a medical examination:
Even if no visible injuries are present, seek medical attention. Some injuries may manifest later. A medical certificate is also essential for substantiating any claims for pain and suffering.
If the accident makes you unable to work, make sure to get a doctor’s note confirming this
Inform the insurance companies:
Notify both your own insurance and the other driver’s insurance about the accident, even though you weren’t at fault.
The insurance will require a detailed description of the accident and, if applicable, the contact details of the other party and witnesses.
Make sure you meet all the deadlines for reporting the claim to the insurance companies.
Keep a detailed record of everything related to the accident and the claims process.
Stay calm and don’t let the insurance company pressure you.
Document repair costs:
Collect and retain all receipts and invoices related to the accident. These may include repair costs, towing fees, rental car expenses, medical bills and other costs.
This documentation is necessary for damage compensation.
Consult a lawyer:
A lawyer can assist you in asserting your claims against the opposing insurance company and advise you on your rights and obligations.
A lawyer can ensure that all paperwork is done correctly, protect your rights, and make sure you receive the full compensation you’re entitled to.
If you were involved in a car accident anywhere in Germany, consider consulting with us to guide you through the process and ensure your case is handled with expertise and care.
With our help, you can have your case resolved quickly, professionally and securely. No personal visit is needed – all the documents required can be exchanged conveniently by e-mail or post!
We represent you nationwide – at no extra cost. For contact details, go to Contact Information – How to Get in Touch