Direct Action Motor Vehicle Liability Insurance in The Hague: Assistance for Traffic Accidents
In the The Hague region, with heavy traffic around the Prins Clauslaan and other busy roads, as a victim of a car accident you are immediately eligible for **direct action** against your **motor vehicle liability insurance** (Wettelijke Aansprakelijkheid Motorrijtuigen). You do not need to wait for the other party's insurer. Discover how this works specifically for The Hague, including steps, local authorities and your legal options.
What does direct action entail under motor vehicle liability insurance in The Hague?
Direct action allows you as the injured party to immediately engage your own motor vehicle liability insurer for payment. This bypasses the procedure via the liable party, ideal for unknown or elusive drivers – common in the Hague region. Your insurer pays out and recovers later.
Regulated by the **Motor Vehicle Insurance Act (WMV)**, this accelerates assistance for victims in The Hague.
Legal basis
Key articles:
- Articles 6:167 and 6:200 **Civil Code (BW)** – Liability for motor vehicles.
- **WMV** – Obligations of motor vehicle liability policies.
Who can use direct action in The Hague?
Suitable for:
- Drivers and passengers with personal injury or material damage.
- Cyclists and pedestrians hit by cars on Hague streets.
- Victims of hit-and-run incidents.
Step-by-step plan for direct action under WAM in The Hague
Follow these steps for a claim:
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Report immediately:
- Call the police in case of injury or significant damage (emergency number 112/0900).
- Fill out the European accident report form.
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Contact insurer:
- Report within 7 days and indicate direct action.
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Gather evidence:
- Photos, witnesses, police report.
- Medical documents for injury claims.
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Submit claim:
- Use the insurer's form; estimate damage (repairs, pain and suffering compensation).
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Receive payout:
- Insurer pays; recourse against the guilty party follows.
Important time limits
- 7 days: Report the accident to the insurer.
- 3 years: Prescription period for claim (art. 3:310 BW).
Assistance in The Hague
- District Court of The Hague: Prins Clauslaan 60 – For proceedings.
- Legal Aid Office The Hague: Lutherse Burgwal 10 – Free advice (Mon-Wed 9-17u, Thu-Fri 9-13u).