When can I report a claim using my cell phone?

Reporting Damage via Mobile – When Should You Use the App?

In the event of a traffic accident, the insurance company expects you to file a claim. All you need to do is fill out the European Accident Report Form together with the other party, and the insurance companies will sort out among themselves who is at fault. You can use the app to file a claim on your phone in the same situations. The most common type of claim involves motor vehicles that have collided with one another. However, it can also involve a collision between a motor vehicle and a cyclist or a pedestrian. One of the parties involved can file the claim via the app on his or her phone. The insurers involved are automatically notified. The other party receives a copy of the completed form.

You can use the app under the following conditions:

• Only two people were involved in the accident
• Both parties involved must have a cell phone with them
• No motor vehicles with foreign license plates were involved

Add photos first

Insurers need to be able to get a clear picture of the damage. When reporting a claim via mobile, you can attach four photos to the report. Take them from different angles. This can be important in the event of future disputes over who is liable for the damage.

Are there any witnesses?

If bystanders witnessed the accident, you can include the contact information for these witnesses in the claim report. They may be interviewed if there is any doubt about who is liable, or to gain a clearer understanding of the circumstances surrounding the accident.

What kind of accident?

When reporting damage via the Mobile Damage Report app, the system first identifies the type of accident involved. For example, it might be a collision. The Mobile Damage Report app can also be used to report windshield damage even if there is no other party involved.

Enter your information

In the app, you first enter your personal information, such as your name, address, and license plate number. The phone number field refers to your cell phone number, which will be used later to confirm the report. After entering your personal information, you explain where you were with your car.

Do I need to provide information about the collision?

The app asks questions about the collision and how it might have happened. For example, you might indicate that you were driving straight ahead on a road with the right of way. Based on your answers to these questions, insurers can form a picture of how the collision occurred. When reporting your auto damage, you’ll also specify which part of your car made first contact with the other party’s vehicle. This type of data can provide information about the circumstances of the damage.

Information about the other party

Now it's the other party's turn to enter information. They can do this right on their phone. It's still the same notification.

Where did the accident occur?

The next step is to provide the location of the accident. Your phone may already show your current location. If that’s not the case, or if the location of the accident is different, you can enter the address in the app.

Summary of the report

All information collected when reporting a claim via the mobile app is summarized by the app for review. Changes can still be made if necessary. Once everything is correct, you can confirm the claim. In the next step, both of you can indicate whether you agree with the claim. If so, you’ll receive a code on your cell phone. You can enter this code in the app. If either of you does not agree, no code will be sent to confirm your agreement. The claim will be forwarded to your insurers.

SDamage App

The claims app makes reporting auto damage a lot easier. Normally, you fill out the European accident report form together with the other party, but reporting a claim through the app is faster and less prone to errors. Insurers often find that the European accident report form is filled out incorrectly or incompletely. This also makes it take longer to settle the claim. When you use the claims app, this is almost impossible to miss, because as you go through the questions, the app alerts you if you forget to fill something in.

European Accident Report Form App

Instead of filling out the European accident report form, you can use the app. The European accident report form can be used for any type of accident. This means that not all of the questions will apply to you. Filling it out takes a little more time because you have to go through all the questions to see which ones you need to answer. With the mobile app, this process is much faster because the questions are tailored to your specific situation. After answering all the questions, you can also send the claim directly to the insurer, so it can be processed quickly.

Claims Reporting App

A large proportion of drivers do not keep a European accident report form in their car. However, the vast majority always have their phone with them. You don’t even need to have the app installed on your phone in advance; you can download it right there on the spot. Reporting an accident via the app is therefore much easier than using a paper accident report form. What’s more, you can also add photos of the damage in the claims app, so they become part of the claim report. This means the other party can’t dispute the photos later on.