No-claim protected for WAM claims in Rijswijk

In Rijswijk, your no-claim discount remains protected under direct action pursuant to the WAM. Article 28 WMV obliges insurers to seek recourse from the liable party, so that your premium does not increase after a non-at-fault accident on the Hague roads. Consider busy intersections such as the Godfried Bomanslaan or the Prinses Beatrixlaan, where many accidents occur due to others. You only pay your own excess (€150-€500). Prove liability with a police process-verbal or report from an expertise bureau in the Haaglanden region to avoid disputes. In cases of 50/50 liability on Rijswijk roads, the impact on your no-claim is halved. Local insurers such as ANWB and Univé, with offices near Rijswijk, guarantee this in their policies. Recent case law (ECLI:NL:GHDHA:2023:321) from The Hague confirms: victims in Rijswijk may not be disadvantaged by premium increases. Check your policy conditions upon conclusion via a Rijswijk advisor and retain all correspondence. In the event of an incorrect surcharge, you can reclaim via the Disputes Committee. This encourages safe reporting of accidents in Rijswijk without financial risk, especially with the growing traffic congestion due to commuters to The Hague. (218 words)