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Old 05.01.2012, 19:38
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Using auto insurance?

So, let's say, hypothetically (of course) that you do something silly like drive your car into a ditch on a snowy, small mountain road in Austria. The hometown police are called and since there was not another car involved there is no police report. However your car sustained a good bit of body damage and needs repair. In the U.S. the car insurance folks would want a police report to process the claim. But, as we all know, we are not in Kansas anymore so I wonder if this is a necessary piece of information here in CH. Anybody have any experience with having a car repaired after an accident using your auto insurance?

As always, I searched the forum for info and didn't find anything related to this scenario so any (helpful) information you can provide is appreciated.
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Old 05.01.2012, 19:49
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Re: Using auto insurance?

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So, let's say, hypothetically (of course) that you do something silly like drive your car into a ditch on a snowy, small mountain road in Austria. The hometown police are called and since there was not another car involved there is no police report. However your car sustained a good bit of body damage and needs repair. In the U.S. the car insurance folks would want a police report to process the claim. But, as we all know, we are not in Kansas anymore so I wonder if this is a necessary piece of information here in CH. Anybody have any experience with having a car repaired after an accident using your auto insurance?

As always, I searched the forum for info and didn't find anything related to this scenario so any (helpful) information you can provide is appreciated.
I think to have a reimbursement from the insurance in the case when you do damage to your own car (parking, driving in a wall) even somebody damaging it while it's parked and you don't know who it was - you have to have a full casco insurance. And to get a reimbursement for damage caused by you - I don't think you need a police report.
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Old 05.01.2012, 19:53
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Re: Using auto insurance?

You don't need a police report. Just call your insurance company and tell them what happened. They will tell you how to proceed.

Important: Call the insurance company before having any repairs done.
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Old 05.01.2012, 20:05
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Re: Using auto insurance?

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Important: Call the insurance company before having any repairs done.
But only after you've actually driven your car into a ditch on a snowy, small mountain road in Austria.
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Old 05.01.2012, 20:11
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Re: Using auto insurance?

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But only after you've actually driven your car into a ditch on a snowy, small mountain road in Austria.
Yes - exactly!!
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Old 21.07.2012, 13:38
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Re: Using auto insurance?

Been there, done that. Although it was here in the Basel area, and I was driving backwards into a wall after having minor surgery. Damage to the wall: zero. Damage to the car:5k CHF.

When we came to Switzerland, my wife asked me to get the extra insurance for stupidity actions like this, because she is the cautious and realistic type. I immediately agreed, and now I am very happy, because we only had to pay 500 CHF. All costs above that (up to a certain limit, I don't know) are covered by my insurance.

After the accident I made some photos of the damage, drove to my favourite garage in Germany and asked for a cost quotation. I really was hoping that the simple scratch would cost me less than 500 CHF. I was helped out of my dream by the garage, and they immediately offered to make an appointment to repair it. From the garage, I called my insurance, and asked whether they would approve repairs by this garage. I ended up giving the phone to the garage and they agreed to repair and approve. Made some more photos.

As some parts had to be ordered, it was a week later that everything was repaired. Police were never involved. No humans or animals were hurt.
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Old 21.07.2012, 13:56
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Re: Using auto insurance?

If you call the police you will get a fine, could even be banned from driving in some cases so don't do it unless personal injury involved.

They will actually try to fine both drivers, you will have to go to court to clear your name, big waste of time, the police are not independant they have their own axe to grind.
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Old 01.08.2012, 07:26
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Re: Using auto insurance?

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So, let's say, hypothetically (of course) that you do something silly like drive your car into a ditch on a snowy, small mountain road in Austria. The hometown police are called and since there was not another car involved there is no police report. However your car sustained a good bit of body damage and needs repair. In the U.S. the car insurance folks would want a police report to process the claim. But, as we all know, we are not in Kansas anymore so I wonder if this is a necessary piece of information here in CH. Anybody have any experience with having a car repaired after an accident using your auto insurance?

As always, I searched the forum for info and didn't find anything related to this scenario so any (helpful) information you can provide is appreciated.
Hi, I am in a similar situation, and I would like to know how you went about dealing with the wrecked car. What ended up happening with the insurance company? and do you have any advice for me? Thanks!
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