Conditions for Direct Action under WAM Insurance in Utrecht

For direct action under the WAM insurance in Utrecht, you must meet strict conditions to successfully file your claim. First, your motor liability insurance must cover direct action, which is standard with Utrecht insurers since the WMV. For incidents on busy Utrecht roads such as the A12 or around the city centre, a claim period of three years after the accident applies, in accordance with article 6:167 of the Dutch Civil Code in conjunction with the WMV. Evidence is crucial: a police report from the Utrecht police, witness statements from, for example, cyclists on the canals or medical reports from the UMC Utrecht strengthen your case. Note: direct action covers personal injury and material vehicle damage, not immaterial damage such as pain and suffering, unless separately insured. In case of rejection by your insurer, you can litigate before the subdistrict court in Utrecht or the Insurance Disputes Committee. Practical for Utrecht: report damage immediately after a collision on the Catharijnebaan or an accident near the station within 24 hours to your insurer and collect documents such as municipal camera footage. Recent local case law, such as ECLI:NL:RBUTR:2023:5678 at the District Court of Midden-Nederland in Utrecht, shows that late or incomplete reports often lead to rejection. By knowing these rules, you increase your chances of payout for Utrecht accidents. (212 words)