Car Insurance Claims in Belgium – A Step-by-Step Guide
Filing a car insurance claim in Belgium might seem complicated if you’re unfamiliar with the local process. Whether it’s a minor fender-bender or a major accident, knowing what to do can help you stay calm and ensure a smooth experience. This article walks you through the entire car insurance claim process in Belgium — from the moment an accident happens to getting your compensation.
1. Immediate Steps After a Car Accident
If you’re involved in a car accident, follow these steps:
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Stay calm and ensure safety.
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Turn on hazard lights.
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Move vehicles to a safe place if possible.
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Use a warning triangle.
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Check for injuries.
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Call emergency services (112) if anyone is hurt.
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Notify the police if:
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There’s a serious injury or dispute.
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One party is uninsured or under the influence.
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Don’t admit fault. Just stick to the facts.
2. Fill Out the European Accident Statement (Constat Amiable)
This is a standard form used throughout Europe. You’ll need to:
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Fill in details about both drivers, vehicles, insurance companies, and circumstances.
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Indicate the accident location, date, and time.
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Use the diagram section to sketch what happened.
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Both parties must sign the form.
Important: Do not make changes after both parties have signed. Each driver gets a copy.
3. Notify Your Insurance Company Quickly
You must report the accident to your insurance company within 8 days, although it’s best to do it immediately. You’ll need to submit:
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The completed accident report (Constat Amiable)
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Photos of the damage (if available)
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Any police report (if applicable)
This can usually be done online, via email, or through your insurance agent.
4. What Happens After You File the Claim?
Once the claim is submitted, the insurance company will:
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Assign a claim number.
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Evaluate the accident report.
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Decide who is at fault.
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Assess the damage to the vehicles.
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Sometimes, they’ll send an expert (assessor) to inspect your car.
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Approve repairs or compensation.
If the accident was not your fault and the other party’s insurer accepts responsibility, you may get your repair costs covered in full.
5. Who Pays for the Repairs?
It depends on your insurance policy:
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Third-Party Liability Only (TPL):
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Your insurer pays only for damage you caused to others.
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You must pay for your own damage unless the other party is at fault.
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Comprehensive (Omnium):
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Covers your own damage regardless of fault.
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You might have to pay a deductible (franchise).
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6. What If the Other Driver Has No Insurance?
If the other driver is uninsured or unknown (e.g., hit and run), you can turn to BOAR (Belgian Motor Insurance Guarantee Fund). This organization helps victims in such situations and ensures compensation is still possible.
7. How Long Does a Claim Take to Process?
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Minor claims: Usually resolved within 2–4 weeks.
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Complex claims or disputes: May take several months.
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Injury claims: These can be more complicated and might require medical assessments.
Always keep communication open with your insurer and respond promptly to any requests.
8. Will My Premium Increase After a Claim?
This depends on:
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Who was at fault: If you caused the accident, your bonus-malus rating may be affected.
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Type of coverage: Some comprehensive policies offer accident forgiveness or limit the impact of one claim.
In general, a claim where you're at fault can raise your premium at renewal.
9. What If I Disagree With the Insurance Decision?
If you feel the insurer's decision is unfair:
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Request a reassessment or a second opinion.
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Hire an independent expert (you may need to pay for this).
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File a complaint with your insurer’s internal complaints department.
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Contact the Insurance Ombudsman of Belgium (Ombudsman van de Verzekeringen) for mediation.
Legal assistance insurance can also help if legal proceedings are required.
10. Tips for a Smooth Claim Process
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Always keep a copy of the accident form in your car.
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Take photos of the accident scene and damages.
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Be honest and accurate in your report.
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Don’t delay in reporting the accident.
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Stay in touch with your claims handler for updates.
Conclusion
Making a car insurance claim in Belgium doesn't have to be stressful if you know what to do. From filling out the accident statement to following up with your insurer, being prepared and organized can save time, reduce stress, and help you get the compensation you deserve. Always drive with valid insurance and be familiar with your policy’s terms to ensure you're fully protected.