What about insurance in a chain collision?
The Tuesday after the Easter weekend is traditionally a busy day for traffic. If you are on the road a lot for work, take this into account. This year it was also raining heavily. That combination led to a morning traffic jam with 545 kilometers of traffic jams at 8:15 a.m., according to the ANWB. A traffic jam is often caused by sudden braking. But traffic jams themselves are not without risk either. A chain collision is lurking. How well insured are you then?
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Insurance in a rear-end collision
A recognizable situation: the person in front of you brakes suddenly. You can no longer brake in time and collide with the rear of the car in front. This is called a rear-end collision. Two vehicles are involved. The question of fault is simple: the motorist behind you is liable for the damage, because you must maintain sufficient distance in traffic. If you do not, you are at fault for the accident. Your third-party automobile insurance pays for the damage caused by the car in front. You will only be compensated for your damage if the car is WA-casco or All-risk insured.
If someone hits your car from behind, you will simply be compensated for the damage. Good to know that this obviously does not affect your claim-free years.
Question of fault in chain collision
In a chain collision, it is difficult to determine who is at fault. Suppose you stop in time and do not hit the car in front. Then a car drives into the back of your car. Because of the collision, your car still slides on the car in front. You are not at fault for this. In order not to argue endlessly with each other about the question of fault, insurance companies have made agreements about this. In a chain collision, the damage is settled as a rear-end collision. The car insurance of the motorist who collided with the back of your car pays for your damages, and you pay for the damages to the car in front.
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