European accident claim - where and how to file

It depends on your situation. If the other driver is insured in an EEA country, you file with their insurer's claims representative in your own country - your national information centre identifies them from the other car's plate number. If the driver fled or was uninsured, you apply to the compensation body in your country. For accidents in Green Card countries outside the EEA, the national bureau of the accident country is in charge. The wizard finds your route in 6 questions.

Local notification deadlines vary widely: from 48 hours in Moldova, through 5-10 days in many countries, to 30 days in North Macedonia; several countries require notification "without undue delay". Independently of those, notify your own insurer as soon as possible. Once the claim is filed, the liable insurer has 3 months to make a reasoned offer or reply (art. 22 of Directive 2009/103/EC).

You are still protected. For accidents within the EEA you claim through the compensation body in your country of residence; outside the EEA - through the guarantee fund of the accident country. In both cases a police report is essential.

No. EU law guarantees claim handling in your own language: the foreign insurer's claims representative operates in your country and corresponds with you in your language.

Yes - the wizard is free and requires no registration. You answer 6 questions and get a filing plan matched to the accident country and circumstances, with deadlines, contacts and links to the rules.