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Traveling to other countries in your own car is a whole adventure. You build your own route, you can get to the most interesting places outside the city, and you don't have to depend on flight schedules and prices. But it's also a big responsibility: you need to take out as many as 3 insurance policies before the trip (1 mandatory, 2 voluntary), know all the rules and nuances of traveling by car in each country. And, of course, know how to behave in the event of an accident. Let's take a closer look at how to prepare for such an event, what to do in the event of an accident, and what not to do:
These are: a Green Card for a car policy, comprehensive insurance, and travel insurance for the driver and passengers. Only the first type of insurance is mandatory for traveling abroad - the Green Card. It will cover damages to victims of a road accident caused by the insured. It will reimburse the costs of car repairs and treatment, if necessary. But the Green Card does not cover your expenses, so the last two insurances, although not mandatory, are needed by the traveler behind the wheel. CASCO to receive service in the event of a car malfunction or accident, and travel insurance for medical care or compensation for damage (loss of luggage, documents).
You must have: a European-style first aid kit, a navigator or maps, a tow rope for evacuating the car, a spare tire, a set of repair tools. Without these important little things, the driver may be fined, and during an accident, failure to comply with the rules will not play into your hands. Each country has different requirements for cars, study this before your trip.
You will spend time studying all the nuances of insurance and traffic rules in Europe - you will spend time once, but the information can save the situation at any moment. When an accident occurs, the driver may be confused. To clearly understand what to do and act quickly - think everything over in advance. Write down your insurance numbers, phone numbers of insurance companies. Make copies of these documents and contacts, distribute them to all travelers, as well as to any relatives in Ukraine. Explain to all passengers how to behave in the event of an accident.
The Green Card covers all the expenses of the other party to the accident: both for car repairs and for treatment. If the injured are in your car, travel insurance will help here.
In the event of a traffic accident, an ambulance arrives immediately with the police, so there is no need to call it separately. The main thing is to immediately call the insurance company and report the incident, discuss further actions.
Do not pay for medical services yourself - your company's representatives must transfer the victim's insurance details to the hospital. Or make sure over the phone that if you pay - you will be reimbursed for the costs. Keep all doctor's statements, checks and prescriptions. After returning home, immediately take these checks to the insurance company's office and write a claim for compensation.
You should not panic during a traffic accident. After all, if you are prepared and responsibly approach the trip — any problem can be solved
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