Subrogation After Direct Action in Delft: What Happens Next?

In Delft, where traffic congestion around the Markt and the TU campus often leads to accidents, subrogation follows direct action: your MTPL (Motor Third Party Liability) insurer assumes your rights to recover damages from the liable party. This is stipulated in Article 6:10 of the Dutch Civil Code (BW) and Article 22 of the Motor Traffic (Compulsory Insurance) Decree (WMV). Your insurer initiates a recourse procedure against the opposing party or their insurer, typically without requiring your involvement. In practice, insurers in Delft exchange information swiftly through the Central Bureau for Compensation Schemes (CBS), for instance, regarding collisions on Phoenixstraat or near Oostpoort. You receive 100% compensation minus the deductible, and your no-claim discount remains protected if the other party is at fault. In cases of shared liability, such as between a cyclist and a car on Bredeweg, this is settled pro rata. If the liable party is uninsured, as sometimes occurs with tourists in Delft, the MTPL Insurance Fund steps in. You are not required to take additional actions yourself, but you should cooperate with requests for details, for example, regarding an incident near the Nieuwe Kerk. **Advantages:** Immediate support for residents of Delft, with costs shifted elsewhere. **Disadvantages:** Slight delay in no-claim discount restoration may occur. Thanks to digital portals of local insurers, such as those in the Delft-Rotterdam region, subrogation is now expedited. Victims in Delft rarely report issues, but in case of disputes, you can consult the Insurance Ombudsman or the Legal Counter in Delft.