Road traffic accident — enforcing damages against the other party’s insurer
After an accident, the other party’s insurer often settles too little — complete heads of damage and the correct liability ratio are worth a close look.
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Quick check: what should you do?
3 short questions — no sign-up required.
Deadline at a glance
Limitation period usually 3 years (end of year)
§§ 195, 199 BGB
Damages claims arising from a road traffic accident usually become time-barred (Verjährung) 3 years after knowledge of the damage and the person liable, at the end of the year — before signing a final settlement agreement (Abfindungsvergleich), you should wait to see how the recovery progresses.
It is an AI, not a person: nobody looks at your individual case, and we do not know who signs up or for what reason. That is why we give pointers, but no legal advice on the individual case. Guidelines and playbooks in the platform are only guardrails: the AI relies on the available sources and your information. AI can make mistakes — check important results, and if in doubt, ask a lawyer.
What we pay special attention to
Curated from real cases. The AI review flags exactly these points in your document.
Insurers often settle only part of the heads of damage you are entitled to.
A full and final settlement before recovery is complete can cut off later claims.
In a dispute about the share of liability, the direct claim against the insurer is often not fully used.
What you can do here in 5 minutes
After a road traffic accident, the keeper of the vehicle that caused the accident is usually liable irrespective of fault (§ 7 StVG), and often the driver is additionally liable in tort (§ 823 BGB). Injured parties can bring their claim directly against the other party’s motor liability insurer. As distinct from a fine notice (Bußgeldbescheid) for a regulatory offense, this concerns the civil-law settlement of damages.
Upload your account of the accident, photos and any letter from the other party’s insurer — our AI tools check the liability ratio and the complete heads of damage and prepare the reply.
Results in three steps
Document the damage
Photos, accident scene; unless the damage is only minor, instruct your own motor vehicle expert.
Collect the heads of damage
Compile repair costs, loss in value, loss of use, hire car and legal fees in full.
Reply letter
Statement on the liability ratio + complete claim with a payment deadline to the insurer.
- Document the damage – Photos, accident scene; unless the damage is only minor, instruct your own motor vehicle expert.
- Collect the heads of damage – Compile repair costs, loss in value, loss of use, hire car and legal fees in full.
- Reply letter – Statement on the liability ratio + complete claim with a payment deadline to the insurer.
- No substitute for a motor vehicle expert’s report.
- No medical assessment in cases of personal injury.
- No representation in court.
Transparency
What the AI checks — and what only a lawyer can decide
An AI is only as good as the question. We show openly where your answer is reliable and where you should speak with a lawyer.
If liability is disputed or personal injury has occurred.
More letters & checks
- Fine noticeAccused of a regulatory offense? At 2 weeks, the objection period is considerably shorter than for most other official decisions.
- Check T&C clausesExclusion of liability, notice period, automatic contract renewal — not every clause in standard terms and conditions is valid.
- Health insurer refusesTherapy, medical aid or rehabilitation refused? Often the insurer has missed its own response deadline — in which case the benefit is already deemed approved.
- Care level objectionThe long-term care insurer almost always follows the assessment of the Medical Service — if you object, you should check it module by module.
