European UnionCan 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.
What the Law Says
The right to claim directly against the other driver’s insurer is guaranteed across the EU by Directive 2009/103/EC on motor insurance.
This EU Directive requires all Member States to ensure that victims of road accidents can bring a direct action against the insurer of the person responsible — even if that insurer is based in another EU country.
It also sets minimum coverage levels: at least €1 million for personal injury and €1 million for property damage per accident (though many countries require higher amounts).
Member States must allow direct claims regardless of whether the liable driver admits fault or is prosecuted — the focus is on compensating victims quickly and fairly.
Statutory TextMember States shall ensure that the victim of a traffic accident may bring a direct action against the insurer of the person responsible.
— Directive 2009/103/EC, Art. 11(2)
Sources
Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: 2026-06-08.