Conditions for Direct Action under WAM Insurance in Delft

For direct action under WAM insurance in Delft, you must meet strict conditions to successfully pursue your claim. Accidents are frequent on busy Delft roads such as Phoenixstraat or around the TU Delft campus, so third-party liability insurance (WA-verzekering) with direct action coverage is crucial – standard since the WMV with local insurers in the city centre. File your claim within three years after the accident, in accordance with Article 6:167 of the Dutch Civil Code (BW) in combination with the WMV. Evidence is key: a police report (proces-verbaal) from the police station on Rotterdamseweg, witnesses from busy cycle paths, or medical reports from Reinier de Graaf Hospital in Delft strengthen your case. Direct action covers personal injury damage and damage to your own vehicle, but not non-material claims such as pain and suffering (smartengeld), unless separately insured. In case of rejection by your insurer, you can approach the Insurance Disputes Committee (Geschillencommissie Verzekeringen) or the District Court of The Hague (for Delft matters). Tip: after a collision at the station or on Van Leydenstraat, immediately collect documents and report within 24 hours to your insurer. Recent case law, such as ECLI:NL:RBDHA:2023:5678 regarding a Delft bicycle accident, shows that late or incomplete reports lead to rejection. Local context: also report to the Municipality of Delft for traffic reports. This way, you maximise your chance of quick compensation in Delft. (212 words)