If you want to report accidental damage, there is a deadline
You must have one car accident not only report to the police if people were injured in the collision. It is also important that you have one message at the responsible one reimburse insurance.
If you fail to report a car accident to the insurance company in good time, they can do theirs reduce services or even completely refuse. Especially in the case of accident damage, you can be left with a large sum, which you would then have to pay out of your own pocket.
Yet when exactly you need one Report the accident to the insurance company, so that it takes over the entire damage to the accident vehicle? And what is the usual deadline in such cases? You can find the answers in our guide.
FAQ: Report a car accident to the insurance company
Every car insurance company can set its own deadlines, which are contractually recorded. In the best-case scenario, report an accident that you are at fault to the insurer immediately.
If someone caused damage to your vehicle and gave you the relevant contact details, you should start the claim settlement after two weeks at the latest.
If you at least have the license plate number of the person who caused the accident, you can contact the car insurers’ central hotline. More about this here.
How long do you have to report a car accident to the insurance company?
If you want to receive benefits from an insurance company, then you are entitled to do so in the following situations obligateda to report a car accident to an insurance companywhere the Deadline considered must become:
- at self-inflicted accident with harm to other parties involved own liability insurance.
- as injured party the Liability insurance for the person who caused the accident.
- In the event of a self-inflicted accident with own damage comprehensive insurance.
- If a car accident occurs at work or on the way to work, it must be reported to the responsible accident insurance company.
Do you have one yourself? collision caused and having to report the damage to your car insurance company after an accident is one period of one week after the damage event the rule. This is from Section E 1.1 of the General conditions for car insurance (AKB) 2015 by the General Association of the German Insurance Industry eV, which, however, only non-binding templates are. Therefore, you must consider: to report an accident, any insurance company can set another deadlinewhich you can find in your insurance contract.
This reporting period is a so-called obligation. That is, the insurer you not legally compelled to do so able to meet this condition, as opposed to paying the agreed premiums, for example.
However, if you fail to report a liability claim or fail to meet the deadline, you must expect the insurance company does not pay for the complete damage, which has arisen. It is rare for an insurer to refuse full benefits as long as the person who caused the accident is not deliberately refrained from reporting the accident Has. However, you should play it safe and report your claim within the required timeframe, rather than reporting an accident after the fact.
But even if you are sure that it was not you but the other party who caused the collision, you should to be on the safe side of your liability insurance Confirm. It is possible that the other party involved in the accident will make claims against you.
When do you have a traffic accident? Report insurance in case of damage? In order to report self-inflicted damage to the insurance company after a car accident, the same deadline applies as for liability insurance, namely one week.
When should you report the damage to the opposing car insurance company?
If you have been harmed yourself, then you are entitled to Claims on the opposing liability insurance company to deliver. To do this, you should report the accident to the opposing insurance company, whereby the deadline should not be longer than take two weeks may after you have learned of the damaging event.
If you are in traffic from a harmed another person were, it may be that this hit-and-run committed or itself refusedyou the necessary share insurance information. In this case, you can take out the liability insurance of the other person involved in the accident Central call for car insurers find out, assuming you could at least write down its license plate number.
What is the deadline for reporting an accident at work?
The damage at one accident at work is usually from the accident insurance reimbursedfor which the employer pays contributions. Therefore, he must report the damage to the insurance company. The 7th Social Code (SGB VII) stipulates in § 193 that the employer Accident report within three days had to retire after learning about the accident. This does not mean three working days, but three calendar days.