Navigating Automotive Mishaps Beyond the European Union: Essential Guidelines to Follow

When traveling or living abroad, understanding how to handle a car accident can be crucial. Here's a guide to help you navigate such situations.

First and foremost, always carry a European accident report in your vehicle. This document is essential for collecting evidence and facilitating subsequent claims settlement, especially when driving a rental vehicle.

In the event of an accident involving a rental vehicle, it's important to inform the lessor immediately. Some rental agreements may require the involvement of the police, even for minor damages. Remember, failure to inform the police could potentially lead to the loss of insurance coverage.

Exchange personal details with the other party involved and document witnesses if necessary. It's also advisable to take photos or videos for evidence. In case of personal injuries, notify the emergency services (Europe-wide: 112).

The settlement of a car accident in another country follows the law of the country where the accident occurred. This means you may need to familiarise yourself with the traffic law procedures in the specific country you're in, such as in France, where detailed information can be found from the EVZ.

In case of self-inflicted accidents, your motor vehicle liability insurance will cover damages to the other party's vehicle. However, your own damages will only be covered by a comprehensive insurance policy.

Complaints about car rental companies are increasing abroad, so it's essential to be vigilant and keep follow-up costs to a minimum without written approval from the other party's insurance.

If you encounter difficulties with cross-border claims settlement, the European Consumer Centre Germany offers free support. It's also worth noting that national mediation authorities exist in various European countries to help resolve disputes arising from cross-border motor vehicle accidents. Examples include the UK's Motor Insurers' Bureau, Germany's Verkehrsopferhilfe, France's Médiation de l’Assurance, Italy's IVASS (Istituto per la Vigilanza sulle Assicurazioni), Spain's Dirección General de Seguros y Fondos de Pensiones, and the Swedish "Konsumenternas försäkringsbyrå," among others.

Lastly, ensure you have the International Insurance Card (formerly "Green Card") with relevant insurance data in your vehicle, and have emergency numbers, the breakdown service of the automobile club, and the claims hotline of your own insurance readily noted. Wear a reflective vest and secure the accident scene before taking any further steps.

This guide aims to provide a general understanding of handling car accidents abroad. Always remember to follow local laws and regulations, and seek professional advice when necessary.

This article is part of our German-language service and news portal, providing readers with valuable information about life and work abroad. Stay safe on the roads!

Navigating Automotive Mishaps Beyond the European Union: Essential Guidelines to Follow