Expatriate Insurance in Europe & Other insurance for foreigners living in Germany
If you have an accident abroad, the law of the country where the accident occurred is applied This means that the compensation application process may be different in your country.
If you are involved in an accident abroad, don t leave the scene Talk to the other driver, and call the police and or emergency if necessary.
Make sure you enter the required details of the other person involved and the circumstances of the accident.
You must complete an accident report on the crash site.
Your insurer will usually make an accident report form associations Some insurers have developed a statement of common European accident form It will help you quickly collect all the necessary information and it will be easier to settle insurance claims.
If you do not have an accident report or a form of insurance, make sure you write the following information.
Injury details of damage and control ensure you get their contact information.
The other coordinates of the driver's name, address, telephone number.
The other driver's insurance company details, including the policy number.
Information on other registration number of the driver's vehicle, country of registration, brand and type, and the same information for every trailer.
Police authorities of the coordinates that the accident was reported.
If you and the other driver agree on the circumstances of the accident, you have to sign a declaration It will be easier to settle the insurance claim.
Remember not to admit liability and only sign the accident report if you understand fully.
If you don t agree, your insurer resolve the dispute with the insurer of the other driver's insurer will base the regulation on the evaluation of the police report for damages or other information.
You must report the accident to your insurance company even if you do not want to make a claim.
Your insurance from your country of origin will cover you if you injure someone else's liability in all EU countries.
However, coverage for other types of damage such as injuries you suffer first civil liability, fire damage or theft abroad is not standard part of most insurance policies for them, you should check with your insurer before leaving the country.
Your liability insurance policy covers all passengers traveling in your car, except the driver in most EU countries, you can also arrange cover first additional part for the driver.
You are covered up to the amounts stated in your insurance contract EU law guarantees a minimum liability coverage If you are involved in an accident in another EU country, you will be covered for at least the following amounts.
1,120,000 per claim, whatever the number of victims.
If your insurance policy is a country that applies the higher liability coverage than the minimum of the EU, you will be covered up to this amount throughout the EU.
If the actual damage exceeds the maximum amount in the country where the accident happened, and you do have higher coverage in your policy, you will pay the difference.
More information on the national rules on accident and covered amounts.
Information not yet provided by national authorities.
The European Commission is not responsible for the content of external websites.
You can check if your insurer offers unlimited liability coverage especially for personal injury.
EU legislation ensures that you receive the highest amount of liability coverage available see example below.
Your country has instead Community minimum liability coverage for property damage - 1120000 You cause an accident in another EU country where the minimum liability coverage is higher - 1,200,000 Property damage resulting from accidents were estimated at 1.18 million, so 60 thousand higher liability coverage defined in your country.
Although you have not accepted higher amounts with your insurance covers you for 1.18 million because the EU law applies hedge the most advantageous responsibility in this case, the applicable coverage in the country where the accident occurred.
Tell the police if you have an accident with an uninsured driver or leaves the scene of the accident to your insurance company will also be able to give you advice.
You can also contact your national compensation body may intervene if the other vehicle the person is not insured or the insurer can not be identified.
If you have suffered losses, damages or injuries resulting from the accident, you can claim compensation You usually apply within a certain time - check with your insurer.
You must submit your claim to the person the insurance company that caused the accident.
1 submit your application to the national representative of the insurance company covering the person who caused the accident.
The representative claims in your country verify the information and take all measures necessary to negotiate a settlement of your claim to see if the insurer has a national representative in your country, contact the information center of the National Green Card Office.
2 submit your application at national compensation body of your country.
If the insurer of the other EU countries did not have a representative in your country, you can send your request to the national clearing organization This organization will also help if you could not be identified vehicle from the other person is not insured or the insurer.
Ignacio lives in Spain During a stay in Germany he was the victim of a car accident caused by a German pilot Ignacio did not speak German, he found it difficult to present his claim in Germany.
Ignacio instead decided to submit its request to the Spanish national clearing organization once he got home This means that avoided the problem of language and earned his pay.
3 months to receive an offer of compensation or reply.
If liability is not contested and the damage has been assessed, you should receive a reasoned offer within 3 months of your claim.
If it is difficult to fault the accident was, or the amount of compensation that you are entitled, you should receive a reasoned reply to the points made in the application.
If you do not receive a reply or an offer within 3 months, you are entitled to interest on the amount of compensation offered by the insurer or awarded by the court.
Car insurance coverage abroad Europe, insurance coverage, abroad, your.