Articles
Tips and guidance on claim forms, traffic accidents and insurance
Side 4
Is digital damage reporting valid with all companies?
✅📱 Digital damage reporting is usually just fine – but content and traceability are crucial.
✍️🤝 Get the counterparty involved in the same version and confirm the details early to avoid word-against-word.
📸🗺️ Photos, sketches, and witnesses can mean more than you think when liability is assessed.
🚓📝 In case of personal injury, suspicion of substance use or conflict, it may be right to contact the police.
Is digital damage reporting valid with all companies?
When does it pay off not to use insurance?
💡 Minor damage? Calculate deductible + possible premium increase before reporting.
⚠️ Damage to the other party should normally always be handled via liability – private settlement can become expensive.
📸 Document everything: pictures, witnesses, and a clear damage report can save you later.
✍️ Fill out the damage report together and sign digitally – then you have one shared version.
When does it pay off not to use insurance?
What happens if you submit two different versions?
🚗 Two different damage reports = more clarification and often longer processing time.
📸 Photos, witnesses, and precise sketches are what actually determine outcomes when explanations diverge.
⚖️ Disagreement can end in shared liability if the evidence is not strong enough.
✍️ Fill out together and sign digitally to avoid small discrepancies becoming big problems.
What happens if you submit two different versions?
Can both sign digitally from their own mobile?
📱 Yes, both can sign digitally – from their own mobile.
🧾 The key is one common accident report that both read before signing.
📸 Take pictures first: damages, license plates, and the situation on the roadway.
🚓 In case of personal injury, intoxication, or disagreement: consider contacting the police.
Can both sign digitally from their own mobile?
Rear-end collision in traffic – who is responsible?
🚗 Rear-end collision in traffic: the main rule is simple, but exceptions can be costly.
🧾 Chain collision? Order and evidence often determine who pays what.
📸 Pictures, witnesses, and a clear sketch can save you from lengthy insurance disputes.
✍️ Fill out the damage report while everything is fresh – that's where most disputes are won or lost.
Rear-end collision in traffic – who is responsible?
How long does an insurance claim take?
⏱️ A simple insurance claim can be resolved in a few days – but disagreement over liability can lead to weeks or months.
📸 Good pictures, precise description, and full contact info are often what separates quick settlements from waiting.
🧰 Workshops, appraisals, and parts delivery often affect the total time more than the actual "office processing".
📝 One joint claim report (same facts for both parties) reduces rounds of follow-up and clarifications.