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Old 12.12.2013, 13:32
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Insurance claim after being hit by car?

Hi all

I am a paid intern working in Geneva.

On the 10th of December, I was walking towards a bus top on a side road from the bus stop on the main road to check which direction the bus was heading toward as it was the first time I had been to that place. From what I recall, the area was not well lit.

According to the paramedics and witnesses, I was hit by a car exiting from a roundabout into that side road. I have no recollections of the accident or even being hit by a car.

I was sent to the hospital that night in a semi conscious state by ambulance and was only discharged yesterday evening. I have contusions on my right leg, in the calf and thigh muscles and in the knee which makes walking very painful. I also have bruised right ribs as well as bruises on my chin, left shin and my head, somewhere above my right ear.

When I was discharged, I asked the counter if there was any payments or administrative work I had to do as I was unable to provide insurance details when I was admitted. They told me that I could just leave, there was nothing I needed to do. I didn't sign anything either. All they gave me was a medical certificate exempting me from work, a prescription and a "resume de sejour".

Is this the common practice in Switzerland? Do they have the insurance details of everyone so that it is unnecessary to provide them in emergency cases? Or did someone else pay the hospital and ambulance charges? I am covered by my employer's insurance so if they want to claim insurance from the agent for maybe loss of my services while I'm on medical leave, is it possible?

Also, I found a name card in my wallet this morning with the details of the driver who hit me and the police who handled the case. Do I need to contact them?

Thanks for the help. I'm really at a loss as this is the first time I've been in an accident.
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Old 12.12.2013, 13:36
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Re: Insurance claim after being hit by car?

Give the details to your employer.

They will handle it.

Tom
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Old 12.12.2013, 13:37
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Re: Insurance claim after being hit by car?

Not sure about the insurance circumstances but it will either be picked up by the driver's insurance and/or your accident coverage through your employer.

What I find a bit hard to swallow is the fact that the driver's details ended up in your wallet.

You shouldn't need to follow up anything with the driver and may compromise some process somewhere along the line if you do. The police and courts should be handling this 100%.
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Old 12.12.2013, 13:41
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Re: Insurance claim after being hit by car?

Agreeing with posters above, this would fall under accident insurance which will fall under the insurance provided by your employer. They will do the investigations as to who is to pay what (the insurance), which will not be you. Hope you recover soon!
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Old 12.12.2013, 13:56
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Re: Insurance claim after being hit by car?

Thank you all for your advice and well wishes.

Because my medical leave is until the 14th, should I wait till then to pass my employer the driver's details or send it to her now? Are there any time limits on insurance claims like these?
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Old 12.12.2013, 14:00
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Re: Insurance claim after being hit by car?

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Thank you all for your advice and well wishes.

Because my medical leave is until the 14th, should I wait till then to pass my employer the driver's details or send it to her now? Are there any time limits on insurance claims like these?
Send all the info now, if you can. Just post it or scan and email it, then it's out of your hands and nobody's waiting for anything. I guess you don't want any unnecessary delays in paperwork.
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Old 12.12.2013, 14:06
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Re: Insurance claim after being hit by car?

Oh and another thing. Do I have to get the prescription from the hospital or just any pharmacy will do? I've been prescribed mostly anti inflammatory drugs, ibuprofen, tizanidine.

And I had a paper bag with me at the time of the accident but it wasn't with me at the hospital. Is it gone for good lol?
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Old 12.12.2013, 14:07
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Re: Insurance claim after being hit by car?

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Hi all
......

Also, I found a name card in my wallet this morning with the details of the driver who hit me and the police who handled the case. Do I need to contact them?


Thanks for the help. I'm really at a loss as this is the first time I've been in an accident.
Glad to hear you're at least at home and in one piece!
The bills will almost certainly go directly your accident insurance, who will then claim their costs back from the driver's insurance. Don't fret about it, someone will eventually pay the hospital, etc. and hopefully you'll never know how much it all cost.
At least you now know that help isn't refused simply because you could supply your insurance details up-front.

Presumably you had some ID in your pocket/wallet, so quite possibly you had insurance details as well? Information like that is quite centralised, or the hospital could have contacted your employers to find out which accident insurance they use.

The card in your wallet was almost certainly left by the policeman who dealt with the case in the first instance, so contact them once you feel up to it, they should be able to tell you a little more about what happened and what happens next. You'll quite possibly need to file an official complaint againt the driver (as it seems they know who it was), or against X if they don't. Nothing sinister, just that the swiss do like their paperwork!

Edit; the presciption can be filled at any pharmacy, so you can use the nearest one... just remember to keep the receipt as you'll need to sent that and the original prescription to your accident insurance to claim the cost back.

Last edited by Anjela; 12.12.2013 at 14:11. Reason: Addition about pharmacy
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Old 12.12.2013, 14:28
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Re: Insurance claim after being hit by car?

I had my b-permit in my wallet yes, but my work permit/letter of employment thingy was at home (yes I know stupid place to put it) so I'm not sure how or if they even got my employer's insurance details. Especially since my b-permit was made in Luzern where I had been studying before coming to Geneva.
But somehow they managed to get my current address in Geneva as well as my contact number.
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Old 12.12.2013, 14:38
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Re: Insurance claim after being hit by car?

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I had my b-permit in my wallet yes, but my work permit/letter of employment thingy was at home (yes I know stupid place to put it) so I'm not sure how or if they even got my employer's insurance details. Especially since my b-permit was made in Luzern where I had been studying before coming to Geneva.
But somehow they managed to get my current address in Geneva as well as my contact number.
Most employer accident insurance is through SUVA. If they have your name and DOB they probably checked through that.
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Old 12.12.2013, 14:51
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Re: Insurance claim after being hit by car?

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I had my b-permit in my wallet yes, but my work permit/letter of employment thingy was at home (yes I know stupid place to put it) so I'm not sure how or if they even got my employer's insurance details. Especially since my b-permit was made in Luzern where I had been studying before coming to Geneva.
But somehow they managed to get my current address in Geneva as well as my contact number.
As porsch1901 says, 'they've' most likely found your up-to-date details through SUVA.

PS; don't forget to register your new address, etc. soon with the relevant authorities as you've now moved to GE.
Big Brother is watching you, but sometimes it comes in handy!
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Old 12.12.2013, 15:00
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Re: Insurance claim after being hit by car?

I see. Thank you very much for all the clarifications. I'm going to pick up my prescriptions and rest well.
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Old 12.12.2013, 17:56
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Re: Insurance claim after being hit by car?

Quote:
Not sure about the insurance circumstances but it will either be picked up by the driver's insurance and/or your accident coverage through your employer.

What I find a bit hard to swallow is the fact that the driver's details ended up in your wallet.

.
Yes that is amazing. I wonder how they did that?
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Old 13.12.2013, 16:03
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Re: Insurance claim after being hit by car?

I would also contact the police. You have a right to look at the report of the case and make sure you're happy with what it says.
Any traffic incident where there are injuries will automatically involve the police and your injuries are sufficiently serious for there to be consequences, so make sure things are in order on that side.
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Old 28.07.2014, 18:39
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Insurance claims for car accident

Last December, I was hit by a car in Geneva. I was knocked out upon impact and suffered partial amnesia. I can't remember anything about the accident or stuff that happened prior to the accident.

Now the insurance company of the car owner is claiming that the vehicle has suffered damages and wants me to pay for the damages. They attached a copy of a police report and says that the accident is entirely my fault because I was allegedly crossing the road without using a pedestrian crossing. (Note: absolutely no recollection of the validity of this claim)

Because practices back home are different, I want to ask if it is a Swiss thing where the police do not take statements from both parties in an accident?
After the accident, I never heard from the police at all. It seems a tad unfair that they only took one side of the story and determined it to be factual.

Another question I have is that my understanding of insurance in general is that the car owner will pay annual or monthly premium to the insurance company and in an event of an acccident, the insurance company will cover the damages to the vehicle.
How is the claim from the insurance company that I pay for those damages valid? Is there a Swiss law that makes me liable for those costs? How can I challenge this claim?

Thanks so much for any advice. The accident has been really traumatizing and I would like to wrap up this issue as soon as possible.
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Old 28.07.2014, 18:40
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Re: Insurance claims for car accident

You need to speak to a lawyer.
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Old 28.07.2014, 18:41
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Re: Insurance claims for car accident

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Last December, I was hit by a car in Geneva. I was knocked out upon impact and suffered partial amnesia. I can't remember anything about the accident or stuff that happened prior to the accident.



Now the insurance company of the car owner is claiming that the vehicle has suffered damages and wants me to pay for the damages. They attached a copy of a police report and says that the accident is entirely my fault because I was allegedly crossing the road without using a pedestrian crossing. (Note: absolutely no recollection of the validity of this claim)



Because practices back home are different, I want to ask if it is a Swiss thing where the police do not take statements from both parties in an accident?

After the accident, I never heard from the police at all. It seems a tad unfair that they only took one side of the story and determined it to be factual.



Another question I have is that my understanding of insurance in general is that the car owner will pay annual or monthly premium to the insurance company and in an event of an acccident, the insurance company will cover the damages to the vehicle.

How is the claim from the insurance company that I pay for those damages valid? Is there a Swiss law that makes me liable for those costs? How can I challenge this claim?



Thanks so much for any advice. The accident has been really traumatizing and I would like to wrap up this issue as soon as possible.

You need to appeal any court case, you usually have 1 month to do so.

Do you have liability insurance?
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Old 28.07.2014, 20:20
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Re: Insurance claims for car accident

Get hold of the police report

Did the incident happen in a city/urban centre?

The chances are if you walked into the road in a city centre and caused the accident you are at least partially liable.

Pedestrian crossings are there for a reason - and if you were on one there would be no question whether the driver was liable or not!
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Old 28.07.2014, 20:33
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Re: Insurance claims for car accident

Insurance companies will always try to get there money back, they paid out for the car, the police say the accident is your fault so they want the money back from you. Same as everywhere else in the world
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Old 28.07.2014, 20:47
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Re: Insurance claims for car accident

Everyone in Switzerland should have liability insurance, it is standard practice here but not compulsory.
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