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In the event of an accident with a vehicle of foreign origin, there are often high hurdles to be overcome. In addition to any language barriers, the insurance status of the person involved in the accident is of the utmost importance for the handling of the accident. What should I do if I drive a foreign vehicle into a Accident involved? For processing questions of guilt in accidents involving foreign vehicles, the German Green Card Office responsible.
Accident with a foreign vehicle
If a foreigner is involved in the accident, you should contact the relevant authorities. In this case it is necessary to provide the following documents:
- Original, copy or copy of the international insurance card or the license plate number of the foreign vehicle
- The police documentation of the accident or a written record drawn up by those involved in the accident and any witnesses
The German green card office will process the claim in the same way as a typical domestic liability insurer in Germany would in an accident involving a foreign vehicle. In order to overcome language problems and settle the damage completely and irrevocably, the person who caused the accident from abroad can also contact the office. The German green card office usually forwards the claims to the insurance companies involved, as there are usually corresponding agreements between the German and foreign insurance companies. 46 European or neighboring countries (Mediterranean area) participate in the Green Card to enable fast and unbureaucratic claims settlement.
Why are accidents involving foreign vehicles processed by another institution?
The German Green Card Office is usually involved if the person who caused the accident comes from abroad. The Green Card Office will take care of all the necessary steps in a claim as the settlement procedures for insurance claims vary from country to country. The office calls the foreign insurance company and pays the other party involved in the accident. As a rule, all European countries of origin have insurance obligations for participation in road traffic, so that the insurers of the non-European accident causers are contacted.
The International Green Insurance Card was created to handle the numerous general conditions and different liability systems in the best possible and transparent way in the event of a collision with a foreign vehicle or abroad. This standardized car insurance certificate serves as the central insurance document that makes entry easier. In May 1948, the Road Traffic Subcommittee introduced the map. This means that you no longer have to insure yourself separately when traveling abroad.
What happens if an uninsured foreign vehicle is involved in an accident?
If there is an accident with a foreign vehicle, the existing insurance of the other party makes the settlement easier. Theoretically, every driver in Germany is obliged to have liability insurance, otherwise the vehicle owner is liable to prosecution. If an uninsured foreign car is involved in an accident, the owner or driver is responsible for all damages. Depending on the amount of the costs, this can lead to a significant financial burden. Further criminal prosecution cannot be ruled out if the driver of the foreign vehicle is unable to pay for the damage. The person who caused the accident can face high costs, especially if other people are injured.
What to do in the event of a collision with a foreign vehicle?
In general, you should report any damage caused by someone else's car to the police. The ADAC recommends, primarily in the event of minor damage or accidents discord calling the police to avoid possible problems later. In addition, you should always take photos of the damage, the license plate number and the insurance certificate in the event of a collision with someone else's car.
What happens if no benefits are paid in the event of an accident involving a foreign vehicle?
The insurer will only pay after the damage has been properly settled with the opposing insurance company or the German correspondence insurance company. In this situation, if you don't get paid, you should sue the foreign motorist or their insurance company. If in doubt, you can even sue the association if the German green card office has handled the matter. An insurer licensed in Germany cannot be sued. When a foreign car is involved in an accident, the foreigner often has to pay for the accident victim's legal fees. If traffic legal protection insurance already exists, it will also take over the settlement if the damage is properly claimed.
How has the situation changed since the conflict in Ukraine?
Many believe that with the increasing number of Ukrainians seeking protection, the number of accident victims from abroad has also increased significantly. In Ukraine, taking out liability insurance for a car is also technically required. In November 2022, around 1.700 accidents involving vehicles from Ukraine were reported. The percentage is well below 10% as there were only 133 people without insurance coverage. The processes have also been digitized and improved since then in order to remove bureaucratic hurdles. Green cards for Ukrainians can now also be applied for online, which was not possible before the war. However, taking out border insurance is a prerequisite for the green card in order to cover current insurance needs.
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