Safety and evidence first
Stop immediately, secure the scene and assist injured persons. Call 112 for injury or immediate danger. Enable the legally required findings. In an ordinary accident with an unclear situation, contacting the police is generally advisable.
Potential claims
Communication with the insurer
The other party’s liability insurer examines the claim from its own perspective. An initial payment does not necessarily settle every recoverable item. Reductions concerning repair methods, labour rates, replacement mobility or diminution in value require assessment in the individual case.
Repair, expert report and total loss
The appropriate evidence depends on the extent of the damage. A cost estimate may be sufficient for minor damage, while an independent expert report may be necessary in a more substantial case. Repair costs, replacement value, residual value and the economically appropriate method of settlement must be considered together.
Replacement car or loss of use
A replacement vehicle or compensation for loss of use may be relevant for the required period. Necessity, vehicle category, duration and the obligation to keep the loss reasonable can affect recovery.
Injury-related claims
After an injury, medical findings and the course of recovery should be documented. Depending on the circumstances, non-pecuniary damages, treatment-related expenses, loss of earnings or assistance requirements may need to be examined.
Keep the accident report, photographs, details of the parties and insurers, police reference, expert report, estimates, invoices and all insurer correspondence. The documents do not need to be complete before first contact.
If another investigation or unrelated allegation is involved, read the special guidance. Do not delay urgent accident duties.
Related information
Read about legal costs, a possible driving ban or criminal proceedings arising from road traffic.