European UnionVehicles
Accidents, insurance basics, traffic tickets, lemon laws
25 questions
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Recalls & Defects
(3)My car has a safety defect. Can the manufacturer be forced to recall it?
Yes, the manufacturer can be forced to recall a car with a safety defect under EU law if it poses a risk to health or safety.
My new car doesn't have the mandatory safety systems. Is the manufacturer in breach?
Yes, the manufacturer is in breach if your new car lacks mandatory EU safety systems, as Regulation (EU) 2019/2144 requires them for all new vehicle types approved from 6 July 2022 and all new vehicles registered from 7 July 2024.
I want to complain about a vehicle safety issue to the EU. What's the procedure?
You can report a vehicle safety issue to the European Commission via the EU's Safety Gate (RAPEX) system or contact your national market surveillance authority. The Commission may investigate and coordinate recalls if a serious risk is confirmed.
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Cross-Border Insurance
(5)Can I claim directly against the other driver's insurer after an accident?
Yes, in most EU countries you can claim directly against the other driver’s insurer after a road accident, thanks to the EU Motor Insurance Directive.
Is car insurance mandatory in all EU countries?
Yes, car insurance is mandatory in all EU countries for all vehicles used on public roads, covering at least third-party liability.
I had an accident in France but live in Germany. Can I make a claim locally?
Yes, you can usually make a claim in Germany under EU rules, even if the accident happened in France.
I want to drive my car in another EU country. Is my insurance valid there?
Yes, your car insurance is valid in all EU countries if it meets the minimum legal requirements of your home country — no extra policy is needed for short-term travel.
Can my insurer refuse to cover an accident if I was driving in another EU country?
No, your insurer generally cannot refuse coverage for an accident in another EU country if you’re lawfully driving there with valid insurance from your home EU country.
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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.
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Type Approval
(4)I imported a car from another EU country. Does it need new type-approval?
No, a car imported from another EU country does not need new type-approval if it was originally approved under EU type-approval legislation and remains unmodified.
My vehicle failed type-approval in one country. Can I sell it in another EU country?
No — a vehicle that fails EU type-approval in one Member State cannot be sold or registered in any other EU country, because type-approval is harmonised and mutually recognised across the EU.
Does the motor insurance directive cover electric scooters and e-bikes?
No, the EU Motor Insurance Directive does not automatically cover electric scooters and e-bikes — coverage depends on whether national law classifies them as 'motor vehicles' under the Directive's definition.
My new car's intelligent speed assistance keeps malfunctioning. Is this a type-approval issue?
Yes, persistent malfunction of Intelligent Speed Assistance (ISA) in a new car may indicate a type-approval failure, as ISA is a mandatory safety system under EU Regulation (EU) 2019/2144.
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Liability & Tech
(3)A car's autonomous driving system caused an accident. Who is liable under EU law?
Under current EU law, the vehicle owner or user is generally liable for damage caused by an autonomous vehicle, unless they can prove the accident was due to a defect covered by product liability rules or third-party fault.
My car's eCall system didn't work in an accident. Is the manufacturer liable?
Yes, the manufacturer may be liable under EU type-approval rules if the eCall system failed due to a defect in design, construction, or conformity with Regulation (EU) 2015/758.
My car's data recorder showed I wasn't at fault. Is this admissible as evidence?
Yes, car data recorder (EDR) evidence can be admissible in EU courts, but only if it complies with GDPR, national procedural rules, and evidentiary standards on reliability and authenticity.
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Consumer Rights
(4)I was hit by an uninsured driver in another EU country. Who compensates me?
You can claim compensation from the Motor Insurers' Bureau (MIB) or equivalent 'Compensation Body' in the EU country where the accident occurred, or in your home country under the EU's Green Card system and Directive 2009/103/EC.
A vehicle was recalled but the fix caused new problems. What are my rights?
If a vehicle recall fix causes new problems, you may be entitled to repair, replacement, price reduction, or termination of the contract under EU consumer law — especially if the defect was not disclosed and the fix worsens the situation.
A manufacturer didn't recall a known defective part. Can I sue them under EU rules?
Yes, you may sue a manufacturer in the EU for failing to recall a known defective product under the Product Liability Directive and General Product Safety Regulation.
I'm buying a used car imported from another EU member state. Are there safety requirements?
Yes, used cars imported from another EU member state must meet EU-wide type-approval and roadworthiness requirements, including passing a national technical inspection before registration.