Steps for insurance against traffic accidents in Germany 2024; Pros and Cons

Steps for insurance against traffic accidents in Germany 2024; Pros and Cons

Traffic accident insurance in Germany; is the first step you should take after owning a car. Road safety is a serious issue in Germany. It also provides people with comfort and protection in the event of a road traffic accident. Let us learn about traffic accident insurance in Germany, step by step, and all the information you need about the companies. Road accident insurance and how much compensation for traffic accidents?

Accident insurance system in Germany

Accident insurance in Germany is a basic and necessary system, as it enables you to insure your life and the physical and psychological damages resulting from a traffic accident. It is also important in the event of physical damage to the vehicle owned by the person.

Car financial insurance covers all the financial costs a person needs in the event of a traffic accident, whatever its cost. It thus helps individuals obtain financial and material support to end their treatment periods, even if they are long and expensive.

Traffic accident insurance in Germany also includes damage to the vehicle or any private property that may be damaged due to the accident, thus relieving individuals from liability when they are involved in accidents and providing them with coverage for all costs.

How to deal with a traffic accident in Germany

When you are involved in a traffic accident in Germany, you must first take some steps to ensure that you obtain insurance from a traffic accident in Germany, as this country is greatly concerned with the public safety of individuals, these steps are:

-You must first ensure that all individuals are healthy and help those affected get out of the accident site.

- Call an ambulance directly to treat the wounded and transport them quickly to the hospital.

Determine the severity of the accident and initiate the legal steps that must be taken to obtain insurance.

To alert passers-by that there is an accident in the area, they must wear special vests and place a danger triangle on the road 100 meters before the accident occurs.

- Contact the police to check the situation and ensure you obtain insurance against a traffic accident.

- Communicate with an accident insurance company and inform them of the details of the accident, such as place, time, driver’s license number, and insurance contract details.

When the police arrive, they take the details of the accident and write them in a report for later use in insurance reimbursement.

When the insurance company is present, it must be provided with appropriate information to determine the value of the damage and give compensation accordingly.

Information that the insurance company needs

In the event of a traffic accident, the insurance company needs some information through which it determines the value of compensation and delivers it to the owner of the damaged car. This information is:

- The name of the person who owns the car.

- His mobile number.

- Insurance policy number.

- Plate number.

- Type of car.

- Name of the insurance company.

- Coordinates of the location where the accident occurred.

- Distinctive signs indicating the location of the accident.

- Pictures of the details of the accident.

- A written pledge between the two people between whom the accident occurred that they agree and understand.

How do I choose the appropriate insurance company for traffic accidents?

To contract with the appropriate insurance company, you must know the system of each company and contract with the company that is best for you and that meets your needs as a citizen in need of financial protection. There are a few factors to consider:

- Type of insurance: There are types of insurance that you should know, such as material damage insurance, bodily damage insurance, and passenger insurance. You should choose what suits your condition.

- Coverage value: The coverage value provided by insurance companies varies from one company to another. There are companies that cover the entire accident and companies that cover a certain percentage.

- Cost: This means the premiums that will be paid and whether they are commensurate with the value of the services provided by the insurance company.

- The company’s features, the improvements it offers you, and the options you can choose between.

- Check the status of the company among users and customers, their ratings, and opinions.

Traffic accident insurance in Germany step by step

After the accident occurs, you must take the previously mentioned steps, the most important of which are ensuring the safety of individuals and calling an ambulance to treat the wounded and affected. You should also vacate the place and stay away from it for a while. After that, you must contact the insurance company you have chosen, which will request several information, including:

- Place and time of the accident.

- Name with the name of the affected person.

- phone number.

- Information about the car plate.

- The type and model of the car to ensure the ability to financially insure it.

Documentary photos of the accident to depict all damages and ensure their repair.

Advantages and disadvantages of insurance in Germany

Positives

- Covers the financial costs of a traffic accident and provides medical care.

- It provides you with psychological comfort when traveling and moving, knowing that you are financially secure.

- If someone is injured or a death occurs, it helps you fix everything and saves you effort.

Negatives

- It is a rather large cost and constitutes a financial burden on the person.

- Some accidents are not covered by insurance companies from a traffic accident in Germany.

- If you benefit more than once, the cost of fees may increase.

- The insurance procedures for a traffic accident in Germany are long and somewhat complicated.