No-claim protected in WAM claims in Utrecht

In Utrecht, your no-claim discount remains protected under direct action pursuant to the WAM. Article 28 WMV obliges insurers to seek recourse from the liable party, so that your premium does not increase after a non-at-fault accident on Utrecht roads. Think of busy intersections such as the CatharijneSingel or the station area. You only pay the deductible (€150-€500). Proof of liability via an official report from the Utrecht police or independent expertise prevents disputes. In cases of 50/50 liability at locations like the Amsterdamsestraatweg, the impact on your no-claim is halved. Local insurers such as ANWB and Univé, with offices in Utrecht-Zuid, guarantee this in their policies. Recent case law (ECLI:NL:GHDHA:2023:321) from the Court of Appeal Arnhem-Leeuwarden, relevant for Utrecht, confirms that victims may not be disadvantaged. Check your policy conditions with Utrecht advisors and retain all correspondence, including reports to the regional police. In the event of an erroneous premium increase, claim your money back via the Disputes Committee or the Juridisch Loket in Utrecht. This encourages safe reporting of accidents in the city without financial risk, especially with the high traffic density around Utrecht University and the city centre. (218 words)