What happens if I have a car accident? Who pays the damage to my car and my medical or hospital expenses? What if I cannot work for a moment? What about the damage of other victims? And who will help me to complete the required formalities? In such situation, you need to get help of an expert lawyer such as Marie Napoli.
What happens if I am injured, who will treat me and who will pay these expenses?
If you are seriously injured in a car accident, you will be transported to the hospital by the emergency services. In case of minor injuries, you can probably go to the doctor by your own means.
If the other party is at fault, his insurer will reimburse your doctor’s and hospital expenses as well as the cost of drugs, prostheses and other medical devices.
But if you are wrong, you will have to assume yourself the costs not reimbursed by the mutual. You may still be able to get back your expenses with other insurance such as:
- a driver’s insurance(which covers your injury as a driver);
- hospitalization insurance (if you are hospitalized);
- an occupational accident insurance(for accidents at work or on the way to / from it);
- an assistance contract(if the accident takes place abroad).
What happens if I can not work for a while? Who will compensate for my loss of income?
Have you been injured in a traffic accident and are temporarily unable to work? Driver insurance can pay you a daily allowance to compensate for your loss of income. It can nevertheless be limited in time, for example up to two years after the accident. If, after a certain delay, you are able to return to work part-time, you will receive an intervention in relation to the number of hours worked.
Driver’s insurance also provides for compensation in case of permanent disability. When concluding your contract, you have the choice between several formulas. Depending on the formula chosen, the compensation will be full or limited to an amount agreed in advance.
If the accident occurred during working hours or on the way to work, you can contact the insurer of your employer. In Belgium, every employer is obliged to conclude a work accident insurance for his employees.
Who pays for the damage to my car and pays for it?
If several parties are involved in the accident and you are entitled, the damage to your car will be compensated by the auto insurance RC of the opposite party. If you are at fault, you will have to cover the costs yourself – unless you have an omnium insurance , in which case all your expenses will be reimbursed.
In case of an accident, it is best to call the assistance number on your green card. If your car is out of order, it will be towed to the garage where it will be repaired. At least if the cost of the repair is not greater than the value of your car.
Who pays for the damage I caused?
Compulsory auto insurance covers all damage you cause to others in an accident with your car. This can be both damage to the vehicle and bodily injury to its occupants. Injury suffered by passengers in your own car is also compensated. Only your own damage (car and injury) is not covered by auto insurance. For this you need to conclude driver insurance (bodily injury) and omnium insurance (for damage to your car).
What financial consequences can an accident cause if I am not (very) insured?
In Belgium, auto insurance is compulsory. However, it is estimated that around 100,000 the number of Belgians who, in recent years, have circulated without auto insurance (source: Assuralia). It’s particularly stupid. Indeed, if you are covered, in case of an accident at fault, your car insurance RC compensates the opposite party.
On the other hand, if you have not taken out car insurance, the victim will apply to the Belgian Common Guarantee Fund . This one will compensate him, before turning against you. This means that you will have to pay the full costs and these can be huge – especially in case of bodily injury. As a result, you may have to pay for your entire life driving without auto insurance.
It is also strongly recommended to take out driver insurance. In the event of a serious accident, you may find yourself unable to work temporarily or permanently. In this case, driver insurance provides compensation that will help you offset your loss of income. In the event of death, your relatives will receive a compensation agreed at the conclusion of the contract.
Who will help me to complete the required formalities?
Insurance can involve all kinds of formalities: the modification or termination of a contract, the introduction of a license plate request … You may sometimes wonder who to send to, if it is better to send an e-mail or a registered mail, where is your file of disaster …