European Union

Vehicles

Accidents, insurance basics, traffic tickets, lemon laws

25 questions

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Accident Claims

(6)
The driver who hit me can't be identified (hit and run). Can I still get compensation?
Yes, you can still get compensation in most EU countries through a national guarantee fund or compensation scheme for hit-and-run victims.
I was injured as a passenger in a car accident. Can I claim from the driver's insurer?
Yes, as a passenger injured in a car accident in the EU, you generally have the right to claim directly against the driver’s motor insurer under EU law.
My insurer is delaying payment on my accident claim. Is there a time limit?
Yes, under EU law insurers must handle claims promptly; most Member States impose national deadlines — e.g., 30 days for acknowledgment and 3 months for final decision in many countries.
The minimum insurance cover seems too low for my injuries. Is there an EU minimum amount?
Yes, the EU sets minimum motor insurance cover amounts, but these are low by modern standards — €1 million per injured person and €5 million per accident for bodily injury.
The guarantee fund rejected my claim because the vehicle was used in a crime. Is this valid?
Yes, the guarantee fund can lawfully reject your claim if the vehicle was used in a serious crime — EU law permits exclusion where the victim was involved in or consented to the criminal use.
A pedestrian was injured by my car. Does my insurance cover their medical costs?
Yes, in the EU, your motor insurance must cover the pedestrian’s medical costs up to mandatory minimum limits, as required by the Motor Insurance Directive.