Had an accident in the Netherlands? The first steps to take

An accident is stressful, especially in a country whose rules and language are still new to you. The steps you take in the first hours and days often decide how smoothly any later insurance claim goes. Here is a short overview — every situation is different, so treat it as a starting point.

1. Safety and emergency help first

Make the area safe if you can and check whether anyone is hurt. In an emergency, call 112. For situations without urgency, the Dutch police can be reached on 0900-8844.

2. Record what happened

Exchange names, contact details, licence plates and insurance details with the other people involved. Take photos of the location, the vehicles or bicycle and any damage, and ask witnesses for their contact details. For collisions between vehicles, the European Accident Statement (Europees Schadeformulier) is commonly used — only sign it if you agree with what it says.

3. Do not admit fault on the spot

Stay calm and factual. Who is liable is assessed later, and Dutch law gives cyclists and pedestrians additional protection in collisions with motor vehicles. Avoid statements or signatures you do not fully understand.

4. See a doctor and keep everything

Even if you feel fine, contact your GP (huisarts) — some injuries show up later, and medical records matter. Keep receipts, repair quotes, travel costs and notes of days missed from work.

5. Report it to your insurer promptly

Notify your own insurer as soon as possible; policies usually set reporting deadlines. If the other party is unknown or uninsured, a claim may still be possible through the Dutch guarantee fund for motor traffic (Waarborgfonds Motorverkeer).

How we can help

After an accident, the claims process — liability, correspondence with insurers, documenting losses — can quickly become overwhelming. With a background in insurance claims and liability matters, we can help you understand your position and organise your claim. Get in touch and tell us what happened.