Hit-and-Run Claims via WAM Insurance in Delft

In Delft, where busy cycling routes along the TU campus and the city center frequently lead to hit-and-run incidents, the WAM insurance provides a solution for accidents involving unidentified perpetrators, either through direct action or the WA fund. According to Article 23 of the WMV (Motor Vehicle Liability Act), your third-party liability (WA) policy covers material and personal injury damages, provided you report the incident to the police in Delft within 48 hours, such as at the police station on Phoenixstraat. Submit your claim to your insurer with a police report, witness statements, and evidence such as footage from local traffic cameras around the Markt or Phoenixweg. If your policy does not include this coverage, you can turn to the Motor Traffic Guarantee Fund (Waarborgfonds Motorverkeer), which is active throughout Europe. Compensation: up to €1.3 million per victim for personal injury. Exceptions apply in cases of contributory negligence or joyriding, which are common during student parties in Delft. Step-by-step plan: 1) Immediately call the police via 0900-8844 or the Delft emergency number, 2) Document the damage with photos and witness statements, 3) Submit your claim to your insurer within 3 years. The success rate is high with strong evidence, such as dashcam footage from the busy Rotterdamseweg. Recent case law (ECLI:NL:RBZWB:2023:456) confirms coverage for unintentional flight, which is beneficial for cyclists and pedestrians in this student-dominated city. This system effectively protects vulnerable road users in the compact city of Delft.