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Old 05.09.2011, 15:18
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What to do after accident

Good afternoon,

I'd like to get any tips on what to do after accident and how the process works in CH.

Short story. My wife was sitting in our car waiting for parking spot and got rear-ended by a 80+year old man. Rear is badly damaged and front is also damaged as the car was pushed 10 meters forward and broke few poles.

Police came. He admitted fault and we filled out simplified insurance form. Our car was towed to garage. We went to the hospital for checkup and painkillers.

I'm waiting for estimate now to provide to insurance company.
How is this usually done? Do they just repair it?

Anything else I can do to protect myself and make sure they compensate for everything?

Just none of my friends know what to do in this situation.

Thank you for the feedback.
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Old 05.09.2011, 15:28
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Re: What to do after accident

Hi there,

It depends on the company and the specifics of your policy.

What did you mean by "protect myself and make sure they compensate for everything?"
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Old 05.09.2011, 15:32
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Re: What to do after accident

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got rear-ended by a 80+year old man. Rear is badly damaged . .

*childish giggle*



Im sure youll be fine if he has admitted responibility. Insurance company might want a couple of quotes so you might want to get those done.
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Old 05.09.2011, 15:33
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Re: What to do after accident

What is written in your contract, or terms and conditions, or terms of services?

In will tell you lot about what you are entitled to, what you should do, etc...
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Old 05.09.2011, 15:34
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Re: What to do after accident

Wasn't that SVP bull by any chance. Ouch. Reminds me of that awful joke about the guy who finds an old tin pot on the beach and gives it a rub. As the huge genie jumped out of the tine pot, he got a fright and shouted 'oh bug**r'- and soon regretted it. LOL.
Glad you are not injured.

Talk to your Insurers, that is the best way.
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Old 05.09.2011, 17:04
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Re: What to do after accident

Problem is that the vehicle can be a total loss (which I suspect they might make it, since it's not sold in EU / CH area) and I paid a few grand to bring it from the US. Also, if it's a total loss, I'd owe Swiss Customs a VAT on the vehicle. Seems it's in my best interest to have it fixed. Since it's not sold in Europe, I'm not sure if they can just take US price and use it for valuation.

So I'm wondering what's the proper preparation from my side to make sure that I'm not out of money. I guess 1 of the alternatives could be claiming through my insurance company and paying deductible and letting them sort the issue.
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Old 05.09.2011, 17:10
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I was rear-ended while stopped at a cross walk. We exchanged info and we took our car to the dealership the following Monday and they dealt with everything. We gave them the name and plate number of the guy who hit me and they were able to make the claim with that. We informed our insurance company but they didn't do anything with the info. It was a VW leased here so easy to fix, not sure how it would work with a US car....but the whole process itself was easy and seamless. Good luck.
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Old 05.09.2011, 17:11
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Re: What to do after accident

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I was rear-ended while stopped at a cross walk. We exchanged info a...ed here so easy to fix, not sure how it would work with a US car....but the whole process itself was easy and seamless. Good luck.
Did they pay for your rental? Or could you drive your car?
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Old 05.09.2011, 17:14
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Re: What to do after accident

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Problem is that the vehicle can be a total loss (which I suspect they might make it, since it's not sold in EU / CH area) and I paid a few grand to bring it from the US. Also, if it's a total loss, I'd owe Swiss Customs a VAT on the vehicle. Seems it's in my best interest to have it fixed. Since it's not sold in Europe, I'm not sure if they can just take US price and use it for valuation.

So I'm wondering what's the proper preparation from my side to make sure that I'm not out of money. I guess 1 of the alternatives could be claiming through my insurance company and paying deductible and letting them sort the issue.
The other insurance will have to pay any customs charges if they decide to write off the car, or they could ship it back to the US to scrap.
CH insurance companies are very happy to pay out, they don't try to get out of it.
Call the other drivers insurance co, they can send an assessor tomorrow. They should be able to give you the payout this month, UNLESS IT GOES TO COURT. That is the issue when the police 'Help'
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Old 05.09.2011, 17:26
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Re: What to do after accident

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CH insurance companies are very happy to pay out, they don't try to get out of it.
Can we please move this post to "jokes & funnies".
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Old 05.09.2011, 17:46
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Re: What to do after accident

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Can we please move this post to "jokes & funnies".
I find they just pay up, this is claiming from the other side on 2 occasions

When I left the handbrake off the Porsche & it rolled back down a hill in Verbier, & hit a parked car, they paid out, I filled in the statement of facts in English emailed a scan & that was it.
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Old 05.09.2011, 22:22
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Re: What to do after accident

I had a similar, positive experience. A driver hit me while I was driving my motorcycle (I don't know how I managed to lift my foot of the peg, or it would have been crushed). It was a small damage, but the driver at fault gave me his info, I gave it to my garage, and they took care of everything. They even offered a rental car in the meantime. Totally seamless.
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Old 05.09.2011, 22:35
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Re: What to do after accident

I was also surprised when I was asked to value my total write off bike.

In the UK the insurance company would have offered well below it's worth after making you wait 6 months and still make you feel you were robbing them.

Here - I just came up with a number I thought was about right and they paid up immediately.

Same with my car smacked up the rear by a chap (go on, let it out ). I had to do nothing - not a form nor a phone call - insurance company got the report from the police, collected the car, returned it good as new.
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Old 05.09.2011, 22:53
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Re: What to do after accident

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I find they just pay up, this is claiming from the other side on 2 occasions

When I left the handbrake off the Porsche & it rolled back down a hill in Verbier, & hit a parked car, they paid out, I filled in the statement of facts in English emailed a scan & that was it.
That was it that you know of. Having been on the receiving side of insurance shenanigans (in spite of a police report in my favour) I'm glad to say that your post still qualifies for jokes and funnies (car, health and other insurances combined).

Oh and they were very anal when i took out a runway edge light with my landing gear when taxiing into the sunset. But that's another story...
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Old 06.09.2011, 00:47
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Re: What to do after accident

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Problem is that the vehicle can be a total loss (which I suspect they might make it, since it's not sold in EU / CH area) and I paid a few grand to bring it from the US. Also, if it's a total loss, I'd owe Swiss Customs a VAT on the vehicle. Seems it's in my best interest to have it fixed. Since it's not sold in Europe, I'm not sure if they can just take US price and use it for valuation.

So I'm wondering what's the proper preparation from my side to make sure that I'm not out of money. I guess 1 of the alternatives could be claiming through my insurance company and paying deductible and letting them sort the issue.
Just to be clear, it is the other party's liability insurance that covers all your damage and costs, not your insurance. There is no question about the fault in the accident, so you would take up all discussions with the other party's insurance company.

Normally you would have your car towed to the garage where you have it serviced and they would help you through the whole process, mine did. A rental car should also be covered from the time of the accident until your car is repaired or replaced.

I would contact the insurance company of the other party, make sure they have received the report and make an appointment to go through all details. They should be more than willing and agreeable, at least they have been in all incidents I know of in straightforward cases such as yours.
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Old 06.09.2011, 00:49
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Re: What to do after accident

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I find they just pay up, this is claiming from the other side on 2 occasions

When I left the handbrake off the Porsche & it rolled back down a hill in Verbier, & hit a parked car, they paid out, I filled in the statement of facts in English emailed a scan & that was it.
which insurance company are you with. i'm going to go with the same one!
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Old 06.09.2011, 03:46
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which insurance company are you with. i'm going to go with the same one!
Zurich insurance
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Old 06.09.2011, 07:08
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Re: What to do after accident

When my wife was rear-ended, we got the details of the other driver's insurance, and phoned them. They told us to take the car to a garage, and gave us a claim number. When we got to the garage, the staff there phoned the insurance company, confirmed everything and we got a hire car. (First, they tried to give us a small car, but I pointed out we have three kids, so we required a rather larger one!).

Our car was repaired. We gave the hire car back, and that was that.
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Old 06.09.2011, 07:26
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Re: What to do after accident

As you needed a check up in hospital and received pain killers, I suggest you write a separate letter to your insurance company pointing this out and quote the claim number dates etc..

Whiplash injuries may not become apparent until some months after the accident, by then your insurance company may well deny any claim on the grounds that it might not be due to the accident and a reasonable time has passed...
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Old 06.09.2011, 08:00
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Re: What to do after accident

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Zurich insurance
Vaudoise insurance gave a similar positive response for us. Both times, simple, efficient action and complelety happy with the service. Everyone will have different experiences though of course.

To the poster: if the other side has admitted responsibility then everything should work out in due course smoothly.
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