Dealing with liability claims after car accidents in Switzerland can be tricky. Swiss law has a clear way to handle these issues. It’s all in Article 79 a-d of the Road Traffic Act.
This law makes sure there’s a way for people making claims to get in touch with the right folks. It also tells insurance companies they need to have someone overseas to help with claims. These rules mean that if you’ve got a claim, you should have an answer within three months.
But, these special rules only work with countries that also give Switzerland the same rights. This is in Article 79e para. 2 RTA. The Swiss Financial Market Supervisory Authority is in charge of checking which countries are on this list.
At the moment, only Liechtenstein is on that list. If you need more details about how foreign claims are managed, check out the Swiss National Bureau of Insurance and the National Guarantee Fund website.
Key Takeaways
- Swiss law has a simple way to deal with situations where car accidents cross borders.
- Article 79 a-d of the RTA sets the rules. It includes making sure insurers have someone to handle claims outside Switzerland.
- These rules only count for countries that also let Switzerland do the same, according to Article 79e para. 2 RTA.
- Only Liechtenstein currently has such a deal with Switzerland, as checked by FINMA.
- For more, visit the Swiss National Bureau of Insurance and the National Guarantee Fund website.
Understanding Switzerland’s Liability Laws for Car Accidents
At MOTOEXPERT, we know how complex liability claims can be for KFZ SCHADEN HAFTPFLICHTSCHADEN in Switzerland. This process is made easier under Swiss law for international road accidents. Article 79 a-d of the Road Traffic Act (RTA) explains this framework.
Article 79 of the Road Traffic Act (RTA)
The RTA makes things simpler by requiring contact points for claimants and insurance organizations. It says insurers must name claim reps outside Switzerland, and settle claims within three months. It also mentions a place for Swiss residents to submit claims in some cases.
Reciprocity List for Foreign Claims Representatives
Switzerland’s rules work only with countries that also have similar laws, per Article 79e para. 2 RTA. A reciprocity list is kept by the Swiss Financial Market Supervisory Authority (FINMA). Currently, only Liechtenstein matches these rules. For more about claims and compensation, check with the Swiss National Bureau of Insurance and the National Guarantee Fund website.
Our Schweizer Kfz-Experten at MOTOEXPERT know the details of Unfallgutachten Kfz and can help a lot. We offer crucial advice for anyone with Fahrzeugversicherung Schweiz in Switzerland.
Gross Negligence and Its Financial Consequences
Driving through a red light or missing a stop sign can lead to big problems. If you break the Swiss Road Traffic Act, and it’s something you could have avoided, you’re guilty of gross negligence. With this, your car insurance might claim back some costs through what’s called „recourse.”
Definition of Gross Negligence in Road Traffic
If you’re asked to pay, it could be up to 60% of the claim. For example, if you’re on a quiet road early but too focused on your GPS to notice another car coming from your right. You crash. The other driver gets hurt and goes to the hospital. You might have to cover CHF 10,000 or 20% of the costs.
Recourse Claims by Insurance Companies
You’ll also need to cover your policy’s deductible. Plus, you could lose a no-claims bonus.
Importance of Gross Negligence Cover
Getting gross negligence cover might cost more, but it’s smart. It means if you’re found to be grossly negligent in an accident, your insurance will still pay the claim.
KFZ SCHADEN HAFTPFLICHTSCHADEN Schweiz MOTOEXPERT
We’re the MOTOEXPERT team, experts in KFZ SCHADEN HAFTPFLICHTSCHADEN in Switzerland. We know all about the laws and rules that matter. This info, along with our keen help, guides people through car accidents in Switzerland.
Our service is full and helpful. We give advice on Kfz-Werkstatt Empfehlungen (good auto repair shops), do Schadengutachten Kfz (check car damage), and Unfallgutachten Kfz (look into accidents). Our Schweizer Kfz-Experten are dedicated to making Swiss car legal stuff easy for our clients.
At MOTOEXPERT, we know car accidents are tough to deal with. That’s why we offer personal support that fits each case just right. We help with claims, talk with insurance companies, and work with officials. Our goal is to protect your rights and make sure you get what you’re owed.
| Service | Description |
|---|---|
| KFZ SCHADEN HAFTPFLICHTSCHADEN | We help a lot with accident claims in Switzerland. This includes guiding you legally and talking to insurance companies for you. |
| Kfz-Werkstatt Empfehlungen | We recommend good auto repair shops in Switzerland. We make sure your car gets back to normal after an accident. |
| Schadengutachten Kfz | We check out your car damage real close. This helps know what repairs are needed and how much they’ll cost. |
| Unfallgutachten Kfz | We deeply analyze the accident. This gives objective proof for your claim. |
| Schweizer Kfz-Experten | Our team of Swiss car pros is here for you. We work hard to get the best results for our clients. |
Our goal at MOTOEXPERT is to give you power in dealing with Swiss car laws. We use our skills to help you and aim to cut down on your stress from car accident claims in Switzerland.
Seeking Medical Attention and Healthcare for Visitors
Before you go to Switzerland, get a European Health Insurance Card (EHIC). This card lets you use healthcare there for free, just like the locals. However, it doesn’t cover sending you back home or private medical costs. So, think about getting travel insurance for full protection.
Emergency Service Telephone Numbers
Know the emergency phone numbers in Switzerland: Police: 117, Fire Department: 118, Ambulance: 144, and Helicopter Rescue: 1414. It’s vital to keep these numbers close. They will help if you need urgent help during your trip.
European Health Insurance Card (EHIC)
The EHIC card lets you get medical care in Switzerland at local rates. Always have your EHIC card with you as proof. This way, you can avoid high costs for necessary medical services.
Travel Insurance for Private Medical Care
The Swiss healthcare is great, but some might want private care. If you do, get good travel insurance. This insurance will cover private treatment costs. It lets you pick the best healthcare for your situation.
Prepare well and know your healthcare options before going to Switzerland. Your health and safety come first. Always ask for medical help if you need it during your visit.
Immediate Actions After a Car Accident in Switzerland
If a car accident happens in Switzerland, keeping yourself and others safe is the first step. Set up your warning triangle 50 meters from your car to warn drivers. Then, check everyone involved, and give first aid if needed. Don’t move anything from the scene before the police arrive.
Ensuring Safety and Reporting the Accident
After making the area safe, call the right emergency number. You can call Police (117), Fire Department (118), Ambulance (144), or Helicopter Rescue Service (1414). Tell the dispatcher where the accident is and if there are injuries. Stay calm and follow the dispatcher’s advice for quick help.
Gathering Evidence and Witness Information
While you wait for help, take pictures of the accident. Focus on the cars’ positions. If your car has a dashcam, save the video. Or, ask your rental company to send it to you. Also, get the names and numbers of any witnesses. Their account can help your claim.
Completing the European Accident Report
After the first steps, you must fill in a European Accident Report. This report lists the accident’s facts, like where and when it happened, and who was involved. It’s important to be accurate. But remember, never admit you caused the accident.
By doing these steps after a car accident in Switzerland, you can manage the claim process well. This helps protect your rights. If you need help, the experts at MOTOEXPERT are ready to assist you.
Whiplash Injuries and Seeking Medical Advice
After a car accident, getting medical help is vital even if you feel OK at first. Whiplash is a common injury from sudden neck movement. It might not show right away. The NHS advises you to see a doctor if you’ve been in a crash recently.
Symptoms and Diagnosis of Whiplash
Whiplash varies from minor to serious. Look out for signs like bruising, stiffness, headaches, and muscle spasms. If you have these or are unsure, see a doctor. And don’t forget your EHIC card.
It’s key to see a doctor quickly after a car crash. They can check for hidden injuries and make sure you’re on the right path to recover.
Compensation for Damages in Car Accident Claims
If you’re in a car accident in Switzerland, some things are key in your compensation fight. Your solicitor will go for general damages first. This is for the pain from your injury.
They will also ask for Auto Unfall Reparatur and Autounfall Kosten. These cover treatment costs and prescription charges.
Medical Expenses and Travel Costs
Expenses from your travel for treatment count. So does the cost of changing your travel plans back to the UK. Schadengutachten Kfz and Unfallgutachten Kfz are part of the medical costs too.
Care Costs and Loss of Earnings
If you need help because of your injury, those care costs can be in your claim. Also, money lost from not working counts. Haftpflichtversicherung Leistungen can assist with these costs.
Time Limits for Filing Car Accident Claims in Switzerland
If you’re in a car accident in Switzerland, there’s a deadline for submitting your Auto Unfall Reparatur or Autounfall Kosten claim. Missing this deadline means your claim will get rejected. Here are the current deadlines for claims:
- If the holiday was booked by a UK Tour operator – 3 years (may vary)
- If the trip was booked privately – 2 years (may vary)
Start your claim when you get back to the UK. This gives your solicitor time to find evidence for your claim. Schadengutachten Kfz or Unfallgutachten Kfz claims backed by strong evidence can lead to higher payouts requested by your lawyer.
Conclusion
Handling car accident claims in Switzerland isn’t easy, but MOTOEXPERT is here to help. They guide drivers on their rights and duties under KFZ SCHADEN HAFTPFLICHTSCHADEN Schweiz MOTOEXPERT laws. This guide helps with steps to take after an Auto Unfall Reparatur.
MOTOEXPERT knows Swiss car laws well and offers crucial help. They assist with Fahrzeugversicherung Schweiz, Kfz-Werkstatt Empfehlungen, and getting a Schadengutachten Kfz and Unfallgutachten Kfz. They’re a top choice for dealing with Autounfall Kosten and Haftpflichtversicherung Leistungen in Switzerland.
The MOTOEXPERT team, known as Schweizer Kfz-Experten, is passionate about what they do. They work hard to make sure drivers are fairly compensated. Their knowledge of the law and legal processes helps you get the best result for your accident claim.
