🔦 Dark season: How to ensure your quick mobility after a car accident
🥶 In autumn and winter: Time is your biggest enemy
The combination of darkness, wet conditions, fallen leaves, and early evening rush hour traffic causes accident rates to rise rapidly during the darker months. For commuters and anyone who relies on their vehicle daily, car damage more than just an inconvenience – it poses a serious threat to their commute.
If you through no fault of your own , you are entitled to prompt and complete compensation from the other party's liability insurance. However, insurers tend to delay claims processing – often taking an average of 4 to 8 weeks , and even longer in complex cases.
Our motto in North Rhine-Westphalia: Don't let anything hold you back! These three steps will secure your right to immediate mobility.
🚀 3 steps to turbo-charged settlement in cases of third-party fault
The key to a swift settlement lies not with the opposing insurance company, but in your immediate action and assertion of your rights.
1. 📞 Lawyer instead of calling the other party
The temptation is strong to call the other driver's insurance company directly. Don't make this mistake! The other driver's insurance company represents their interests, not yours. Their goal is to keep costs as low as possible.
Your right: In the event of an accident that is not your fault, the opposing party's liability insurance must fully cover the costs of a lawyer
Your advantage: An experienced traffic lawyer reports the damage in a legally correct manner, sets deadlines, and doesn't allow themselves to be stalled. This significantly speeds up the claims settlement process.
2. 🚗 Rental car or loss of use – Secure immediate mobility
roadworthy after an accident , you are immediately entitled to a replacement. This is particularly important for commuters who can prove they depend on their car (e.g., for their daily commute).
Rental car: pay rental car of the same vehicle class for the duration of the repair (or in the case of total loss, until a new vehicle is purchased, approximately 10–14 days)
Loss of use compensation: Alternatively, you can for loss of use in cash (between €20 and €160 per day, depending on the vehicle type ). This is advisable if you can use public transport or a second car.
Beware of traps: Insurers often try to reduce rental car costs. Be sure to seek legal representation in this matter!
3. 📝 Commission an independent expert opinion
not have the damage assessed by an appraiser from the opposing insurance company. They are often intent on minimizing the damage.
Your right: From a damage amount of approximately €750 (minor damage threshold) you have the right to commission independent vehicle expert
Your advantage: fully documents the damage and fairly quantifies all items – including depreciation and replacement value. This is the essential basis for a fast and correct payout.
🛡️ Conclusion: Your claims assistance in North Rhine-Westphalia
Especially during the stressful, dark winter months, you don't have time for paperwork with insurance companies. Make sure you consistently exercise your rights!
As your local partner for claims assistance in North Rhine-Westphalia, we handle the entire process for you – from commissioning the independent expert to claiming the rental car and compensation for damages.
Your next steps:
Document the accident (photos, witnesses).
Contact us immediately via our WhatsApp chat for a free initial assessment and quick engagement of a lawyer.
We'll make sure you're back on the roads in North Rhine-Westphalia as quickly as possible, safely and mobile!
First aid for damages – Use it now for free!
Take advantage of our free claims assistance for your first insurance claim. A professional insurance expert will support you directly – quickly, easily, and reliably!
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