The EU Fourth Motor Insurance Directive came into effect on January 2003 which helped to settle the compensation claims including the European Union.The clause stated that the car or vehicle causing the accident should be based in the Member State.
All the cars that are insured in the European Union are registered on a database and the identity of the driver’s insurance company can be collected through the database. This will ensure the success of the claim and also that the claim can be made in UK.
The very first step is to inform the car insurance company about the accident. This should be done as soon as possible. Write down what happened and if necessary take the pictures. This information will act as the base information for your car insurance company. When you talk with your insurance company make it straight and clear what they expect you to do. Speak to them and confirm if they need any supporting evidence from your side.
The first story that you provide your insurer should be full and accurate. Changing your story can make your claim weak and may also make the insurers doubtful about its originality. In case of criminal offence like damage to the car, theft or the car itself being stolen, you should straight away inform the police. Try not to touch or move anything from the scene. The police will provide you with an accident number that your insurance company will require in order to process your claim.
The road accident rate in many parts of Europe is very high and many people are injured or killed every year. Thus, it is very necessary for everyone to know how the claims are made in the European countries. While you are waiting for the claim, never get tempted to repair your car in the belief that your insurance company will pay for it. Insurers have specific garage that work for them.