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I had a car accident in Germany. It wasn't my fault and the claim is to be covered by the insurance of the person who was responsible. They accepted and so forth. The trick is I'm a Polish citizen and the insurance company here is represented by some partner.

Now in Poland the insurance company has 30 days to wire you money when all the paperwork is fulfilled. However their Polish partner claims that the case is conducted under German law so the question is, how much time does a German insurance company have to pay up, is there a time limit, and if so, how long?


Okay since this question has spawned a very broad discussion, while the actual nature of the question was rather narrow, let me try to rephrase it.

How many days an insurance company in Germany has, according to local law, to pay money since claim was filled. For example: In Poland they have 30 days.

Thank you

If this edit won't help, please kill the question.

closed as off-topic by Rory Alsop, CGCampbell, David Richerby, MadHatter, Willeke Dec 24 '17 at 12:49

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If this question can be reworded to fit the rules in the help center, please edit the question.

  • I'm a Canadian insurance broker so not deeply familiar with European insurance law, but in Canada, the normal tack here would be to claim with your own insurer and they would subrogate against (go after) the responsible party. This would work as long as you have physical damage insurance on your vehicle. You'd be out your deductible until recovery occurred, but at least not out the entire repair cost. Is that practical here for you? – Jim MacKenzie Dec 19 '17 at 19:38
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    @JimMacKenzie, that’s the american way; in Europe, it’s not handled that way. If you are not at fault, the execution is between you and the other guy’s insurance; your own insurance has nothing to do with it. – Aganju Dec 19 '17 at 20:00
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    @Aganju "Europe" is a big place. In many individual countries within Europe, it works similar to Canada - you report it to your insurance company, and they deal with the other side, usually issuing funds to repair your vehicle in the interim. The UK, for example, works this way. – Moo Dec 20 '17 at 7:27
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    I'm voting to close this question as off-topic. Your insurance will have their process. – Rory Alsop Dec 20 '17 at 12:16
  • Usually a German car insurance will not pay any party directly. Instead, they cover repairs. In the simplest case, you let your own insurance pick where to repair your broken car, get a replacement car (or money per day) for the time being and at some point pick up or get the repaired car delivered. They'll mail you a copy of the invoices for your records in case you sell your car (or it gets stolen at a later point) and then settle, after which they'll try to get the money back from the other person's insurance. – simbabque Dec 21 '17 at 14:11
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Go to the Deutsches Büro Grüne Karte eV which is responsible for accidents which were located in Germany (!) and has at least one foreign person which belongs either to the EU or some other European country involved.

Select:
1. Der Versicherer des ausländischen Kfz ist mir bekannt.

War der Unfall in Deutschland? Ja
Wo war das Kfz des Gegners zugelassen? B. Ausland
In welchem Land war das Kfz des Gegners zugelassen? Your country, in this case "Polen"

Now select your insurance company and you get the contact details of the responsible branch in Germany.

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