1. Do you always have to call the police after an accident?

In short and honest terms: No.

You must call the police if:

✔ Someone is injured
✔ There is significant property damage
✔ Someone flees (hit-and-run)
✔ The other party refuses to provide information
✔ The driver appears to be under the influence of alcohol or drugs

And you should call them if:

➤ you are unsure who is at fault
➤ the opponent suddenly becomes aggressive or "strange"
➤ foreign vehicles are involved

If everything is relaxed, exchange both sets of data and continue driving → no police intervention required .

2. Will the insurance company pay out without police involvement?

Yes. In almost all cases, the insurance company will pay out even without police involvement , provided the situation has been clearly documented.

But here's the catch:

Insurance companies need a replacement for the police report.
This means: photos, dates, times, sketch, and clarification of fault.

Is that missing? → Then it will be annoying for you.

3. What data do you absolutely need to back up?

Here's the must-have to go:

📸 Photos of

• accident scene

• Position of both vehicles

• damages

• Skid marks/parts on the road

• Traffic signs (Stop, Priority etc.)

• License plates of both vehicles

🕒 Facts:

• Date + Time

• Location

• Weather

📋 Personal data:

• name

• Address

• Telephone number

• mark

• Insurance + policy number

🖊️ If possible: written acknowledgment of debt

Important:
Saying "I'm sorry, it was my mistake" on the spot is not an admission of guilt .
That won't . It's better to put it in writing.

"I caused the accident. I confirm the sequence of events."

Date + signature – done.

4. Biggest mistakes in an accident without police involvement

These classic insurance policies will make you happy – and poor:

❌ Error 1: No photos

No photos → conflicting statements → insurance companies love that sort of thing.

❌ Mistake 2: Your opponent is in a bad mood and you say nothing

If a candidate is aggressive, call the police , do not discuss it.

❌ Mistake 3: You leave the accident scene

If you simply drive on → hit and run as soon as someone is injured.

❌ Error 4: You are waiting to report it

Insurance companies can refuse coverage for the following reasons:

"Not reported immediately"

Immediately = at the latest 1–3 days

5. And who pays for what now? — Short & honest

If it's your fault:

• The other party will receive damages through your car liability insurance.

• Your own damage is only covered by comprehensive insurance , not by liability insurance.

When the opponent is at fault:

• You will receive damages through his liability insurance.

• You have no excess

When nobody is at fault (e.g., shunting yard):

• Everyone pays for themselves (comprehensive insurance or privately)

6. What about minor damage?

Trivial matter = under approx. €750–1,000

In most cases, the insurance company does not need an expert , but only:

• Photos

• Cost estimate

• Opponent's data

Many people handle things "among themselves"—and then important data is missing. It's better to document everything properly → risk-free .

7. When is it worth hiring an expert?

Whenever:

✔ the other party is at fault
✔ the damage looks more extensive
✔ depreciation in value is a factor
✔ repairs and a replacement vehicle are being discussed

And yes: The opposing party has to pay for experts and lawyers if they are at fault. Many people don't know that.

8. Without police – how do you report it correctly now?

Here's the process without chaos:

1. Save photos

2. data exchange

3. Briefly note down the sequence of events

4. Report the damage to your insurance company

5. Outsource claims handling

If you're not keen on numbers, deadlines & forms → here's the advantage:

📲 WhatsApp instead of hotline

You send:

📸 Photos
📝 Short text
🏷️ License plate

We do:

✔ Fault assessment
✔ Insurance logic
✔ Expert opinion / cost estimate
✔ Formulations & reporting
✔ Letter to opposing insurance company

Report here >>>