Hit-and-run claims via WAM insurance

In a hit-and-run without an identifiable perpetrator, the WAM insurance provides relief via direct action or the liability fund. According to article 23 WMV, your motor vehicle liability policy covers material and personal injury damage, provided it is reported to the police within 48 hours. Submit the claim to your insurer with the police report, witnesses and evidence. If your policy does not cover it, involve the Motor Vehicle Guarantee Fund, which operates within Europe. Compensation: up to €1.3 million per victim for injury. Exceptions: no coverage in case of own fault or joyriding. Steps: 1) Involve the police, 2) Document the damage, 3) Submit the claim within 3 years. Success rate is high with good evidence, such as dashcam footage. Case law (ECLI:NL:RBZWB:2023:456) confirms coverage for unintentional flights. This effectively protects vulnerable road users. (192 words)