It's Saturday night in Gelsenkirchen. You're driving your grandma's newly financed Polo (because it's cheaper in terms of insurance), you're as proud as punch – and suddenly: BAM! A rear-end collision at the traffic lights because you were more focused on your Spotify mix than on the brakes.
The result: car damage, shock, and the first realization of your driving life: accidents happen faster than swiping on TikTok.

But what to do? Especially when the insurance company ultimately says: "Sorry, we won't pay." Welcome to insurance realism for young people .

✅ Step 1: Directly at the accident scene

1. Keep calm – even if the guy in the SUV behind you is yelling like a Bundesliga coach.

2. Secure the area – wear a high-visibility vest, use a warning triangle, and call the police if necessary.

3. Document – ​​take photos, note witnesses, fill out the accident report (yes, the slip of paper in the glove compartment is not just for decoration).

✅ Step 2: Notification to the insurance company

• Notify us immediately – whether it's Allianz, DEVK or AXA.

• Be honest – false statements are exposed faster than a kick-and-rush in the local league.

• Meet the deadlines – usually 7 days. Those who miss them often end up paying themselves.

❌ If the insurance company rejects the claim

And now it gets interesting: You think the insurance company will step in – but then a friendly letter arrives in officialese: “Exclusion of benefits”.

Common reasons:

• You were driving too fast or were inattentive.

• The information provided was incomplete or incorrect.

• You reported the accident too late.

What to do?

1. Don't be intimidated – rejection is not always the final word.

2. File an objection – in writing and with reasons.

3. Ask Risk-BOT – it digitally sorts through your case and checks options.

4. Turn on Roland – your insurance coach has known the tricks of the companies for over 20 years and knows where to ask questions.

Risk-BOT is the cool co-pilot who never sleeps and takes care of the paperwork in an emergency. And when things get really dicey, Roland steps in – with experience, humor, and a clear goal: your damage won't be swept under the rug.