Don't wait too long - you could lose the right to compensation
Your entitlement to compensation from us ceases (statutory limitation) after a certain amount of time unless you have reported your claim. The legal provisions can be found in Section 31 of the Motor Traffic Damage Act.
As of 1 January 2015, new rules apply to events leading to claims (traffic accidents) occurring as of that date. Older rules apply if the traffic accident occurred before 1 January 2015.
Traffic accident occurring on or before 31 December 2014
If you were injured in a traffic accident that took place before 1 January 2015, you must claim compensation for the injury within three years of being aware that the injury occurred. This is usually the same day as the traffic accident occurred.
The decisive question is when it was clear that there was a connection between the traffic accident and the injury in question. Or when it was clear that the injury would lead to permanent invalidity. You must claim compensation within three years of this date.
If ten years or more have passed since the injury it is too late to claim compensation. The ten-year limit is counted from when you discovered your injury, even if you did not know at that time that it was due to the traffic accident.
Traffic accident occurring on or after 1 January 2015
If you were injured in a traffic accident that occurred on 1 January 2015 or later, you have ten years in which to report the injury from the day on which the accident happened. The longer time that passes, the more difficult it may be for you to prove that there is a connection between the traffic accident and the injury in question.
If in doubt, always report your injury to us.
If you have reported an injury to us
We notify you when claims settlement is completed. If you are not satisfied with our decision on compensation, you always have at least 6 months in which to bring action against us.