Does the Guarantee Fund apply a deductible for car damage?
Sometimes, through no fault of your own, you incur car damage that you cannot recover from anyone. For example, if the perpetrator flees after the damage or if the perpetrator turns out to be uninsured. In theory, you would pay for the repair costs yourself even though you are not liable for the damage. To prevent this, the Motor Traffic Guarantee Fund was established. If you have damage caused by an unknown or uninsured perpetrator, they will in some cases compensate the damage. However, this is sometimes subject to a deductible. In this article on Alpina.nl , we explain if and when the Motor Traffic Guarantee Fund deducts an excess.
Excess Guarantee Fund
The Motor Insurance Directive states that every country in the EU must have a Guarantee Fund. This directive distinguishes between damage from an uninsured motor vehicle and damage from an unknown motor vehicle. There may also be a stolen vehicle or a person with an exemption from insurance due to reasons of conscience. Whether you pay a deductible depends on the situation. We explain it below.
Auto damage caused by an uninsured vehicle
If you are hit by an insured car, you would receive full compensation for the car damage from the other party's insurer. After all, you are not liable for the damage caused and therefore no deductible applies. Similarly, if you are hit by an uninsured motor vehicle, no deductible applies. The Guarantee Fund compensates damages and then recovers as much as possible from the perpetrator.
Car damage caused by an unknown vehicle
The Guarantee Fund compensates both property damage and personal injury, as long as it was caused by a motor vehicle. This means that they also compensate damage to your bicycle, car, garden fence or house facade. For material damage caused by an unknown perpetrator, you have a deductible of €250.
Car damage caused by a stolen vehicle
Imagine this: you are unexpectedly hit by another driver. The offender suddenly takes off quickly and you are left with substantial car damage. It turns out that the vehicle was stolen. What now? In the case of a stolen vehicle, the same rule applies as in the case of an uninsured vehicle. The Guarantee Fund does not apply a deductible.
Exemption from insurance obligation due to state of mind
Perhaps the person who caused car damage to you does not have car insurance because of conscientious objections. If a person has objections to any form of insurance because of his or her life beliefs, this is considered to be conscientious objection and they receive a waiver of the insurance requirement. They therefore pay a contribution each year to the Fonds Means Gemoedsbezwaren (FMG). The FMG then recovers the costs in the event of damage as much as possible from the liable conscientious objectors. The Guarantee Fund performs the work for the FMG and also does not apply a deductible in these situations.
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