What is unilateral damage?

What to Do in Case of One-Sided Damage?

Even if you have third-party liability or limited comprehensive auto insurance, it is important that you report damage resulting from a single-vehicle accident to your insurer. In the event of a single-vehicle accident, you are personally liable for the damage incurred. With third-party liability or limited comprehensive auto insurance, the insurer will not reimburse the costs.

With comprehensive auto insurance, you are covered for damage caused by a single-vehicle accident. After the damage occurs, it is important that you fill out a claim form.

Claim Form for Single-Vehicle Accident

Even if no other parties are involved in the accident, you must still fill out a European accident report form in the event of a single-vehicle accident. If it is a single-vehicle accident, you obviously do not need to fill in the other party’s information. However, it is a good idea to note down the names and contact information of any witnesses and take photos of the damage. As soon as the insurance company receives the accident report form from you, they will process the claim.

The loss of 5 claim-free years is the same for every insurer. However, the discount you receive for accumulating claim-free years can vary from one insurer to another. For example, after filing a claim, you might receive a significantly smaller discount from one insurance company, while the difference in the discount from another insurance company is negligible.

Damage to only one vehicle and a leased car

Are you dealing with a single-vehicle accident and do you have a leased car? Even in that case, it’s important to always fill out an accident report form. Insurance companies always need an accident report form to process the claim. You should also always report the damage to the company from which you leased the car. The lessor will explain what steps to take. If the damage is minor, you can probably just keep driving. In the case of more extensive damage, you may be entitled to a replacement car. This is specified in the lease agreement you signed at the beginning of the lease term. If a leased car is damaged, you’ll often have to pay a deductible. Be sure to review the terms and conditions carefully before signing the contract. If you have any questions about specific provisions in the contract, contact the leasing company.

Your Auto Insurance Coverage

Whether your auto insurance provides coverage for single-vehicle accidents depends on the coverage you’ve chosen. Want to be sure your auto insurance covers single-vehicle accidents? Check the policy terms and conditions. Want to change your auto insurance coverage? You can do so using the online contact form.

At alpina.nl, you can quickly and easily compare coverage and prices. This way, you can choose the auto insurance that best suits you and your car.
Do you have any questions? Please contact us. We’re happy to help! We’re available Monday through Friday from 8:30 a.m. to 5:30 p.m. at 088-6883700.