Insurance

Who is to blame? What happens to the broken car? Who pays for the damage? After a traffic accident, many questions arise for the parties involved. An accident in German cities is by far not a rarity: Statistically, an accident happens every 12 seconds. Nevertheless, hardly anyone knows what to do in this delicate matter and what are the rights and obligations associated with it. We at Scheerer Law Firm& Maly are your lawyer for traffic law from Stuttgart and inform you comprehensively about what has to be considered in case of a traffic accident.

What to do first after a traffic accident?

• Secure the scene of the accident, turn on the hazard lights and set up the warning triangle at a distance of 50 to 100 m.
• Provide first aid if necessary.
• Gather evidence: Take pictures of the accident scene and the vehicles involved.
• In addition to overview photos, also take detailed photos of the damage caused.
• Make an accident sketch.
• Watch out for skid marks and fluid leaks.
• Together with the other party involved in the accident, fill out the accident report, which you can usually find in your glove compartment.
• Note the registration number of the vehicles involved, the name and address of the other party involved in the accident and possible witnesses, as well as insurance companies of the other party involved in the accident.
• If necessary, call the police. This should always be the case if persons have been injured, a high level of property damage has been caused or if there is a suspicion of a criminal offense (e.g.B. hit and run, drunk driving) exists.

What rights do I have as an injured party?

If you are involved in a traffic accident with your vehicle through no fault of your own, you naturally have rights as an injured party. First of all, it is the accident victim's right to call in an expert witness. This expert secures evidence, records the damage incurred and objectively assesses the amount of the damage. In addition, injured individuals can claim the following costs from the opposing insurance company:

Traveling with your own car opens up a lot of freedom, as you can usually take considerably more luggage with you on vacation and can easily stop off at places that particularly appeal to you during the journey to or from your destination. To ensure that you arrive safely on vacation by car and can fully enjoy your free time, good preparation is the be-all and end-all. We explain to you what you should pay attention to when planning your vacation with the passenger car.

1. Check oil level yourself and look for oil change
2. Tire check before starting to travel with your own car
3. Have the vehicle thoroughly checked beforehand from a technical point of view
4. Correct loading of the vehicle
5. Use a navigation device when traveling by car
6. Use of radar detectors
7. Vacation with the car: Insurance
8. Other countries – other customs – other traffic rules respectively. Regulations

Going on vacation by car:
Check oil level yourself and look for oil change

Before traveling with your own car, you should also check the oil level in any case. In order for the measurement to be correct, the vehicle's engine should be warm and the car should be parked on a level surface. The oil level must be between the min and max marks on the dipstick.

Car insurance is always an important issue when buying a car. Comparing individual rates will help you find the most affordable provider. With the motor vehicle insurance one differentiates basically between the liability insurance, the comprehensive insurance and the partial cover insurance. Third party insurance is a compulsory insurance, without which the vehicle may not be put into operation.

Partial and comprehensive insurance also pays for damage you cause to your own vehicle. Partial insurance premiums are lower, but only theft and damage caused by hail, storm, fire, wildlife accidents and glass breakage are covered. If you also value insurance coverage for self-inflicted accidents, you have to take out a more expensive comprehensive insurance policy.

Inform here about the periods of notice in the motor vehicle insurance and use our free notice template to the motor vehicle insurance change.

How to cancel the car insurance

The cancellation of the motor insurance must always be made by the policyholder.

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