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Direct Action Motor Vehicle Liability Insurance Utrecht

In Utrecht after a traffic accident? Invoke your **motor vehicle liability insurance** via **direct action** for personal injury or car damage. Discover steps and rights at Legal Aid.

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Direct Action Motor Vehicle Liability Insurance in Utrecht: rights after traffic accident

In the Utrecht region, as a victim of a car accident, you can often directly invoke your **motor vehicle liability insurance** (Wettelijke Aansprakelijkheid Motorrijtuigen) via **direct action**. You do not need to first approach the insurer of the other party. Discover here the process, step-by-step plan and your options at the Midden-Nederland District Court (Vrouwe Justitiaplein 1, Utrecht).

What does direct action entail for motor vehicle liability insurance?

Direct action enables you as a victim in Utrecht to directly claim your own **motor vehicle liability insurance**. Instead of waiting for the culpable driver, your insurer handles the compensation and recovers it. This accelerates assistance, ideal for unknown or elusive counterparties.

Regulated in the **Motor Vehicle Insurance Act (WMV)** for efficient victim assistance in regions such as Utrecht.

Legal basis

Based on:

  • Article 6:167 **Civil Code (BW)** – Basic liability rules.
  • Article 6:200 **BW** – Motor vehicle specific.
  • **Motor Vehicle Insurance Act (WMV)** – Motor vehicle liability insurance provisions.
In case of disputes: Midden-Nederland District Court, Vrouwe Justitiaplein 1, Utrecht.

For whom in Utrecht?

Applies to:

  • Drivers and passengers with injury or car damage.
  • Cyclists, pedestrians or others hit by a car in Utrecht.
Note: Proof of counterparty's fault required; otherwise possible rejection.

Step-by-step plan for direct action in Utrecht

Follow these steps for your claim:

  1. Report the accident:
    • Call the police in case of injury or damage in Utrecht.
    • Fill out the damage form.
  2. Contact motor vehicle liability insurer:
    • Report within 7 days and request direct action.
  3. Provide evidence:
    • Photos, witnesses, police or medical reports.
  4. Submit claim:
    • Fill out damage form with repair or pain and suffering compensation.
  5. Await compensation:
    • Your insurer pays; recovery follows.

Important deadlines

  • 7 days: Direct reporting to insurer.
  • 3 years: Claim deadline (art. 3:310 BW).
Free advice? Legal Aid Office Utrecht, Catharijnesingel 55.

Help in Utrecht

In case of problems: contact the Midden-Nederland District Court (Vrouwe Justitiaplein 1) or Legal Aid Office Utrecht (Catharijnesingel 55) for personal assistance.