The WAM insurance (Motor Vehicles Liability Insurance Act) is a mandatory insurance for all motor vehicles in Rijswijk and beyond. Victims of a traffic accident can file a claim directly with this insurance.
What does the WAM entail?
Under the WAM, owners of motor vehicles must have insurance for damage they cause to third parties:
- Damage to persons (injury)
- Property damage (to property)
- All damage caused by the vehicle
Mandatory minimum coverage
| Type of damage | Minimum coverage |
|---|---|
| Personal injury | € 6,070,000 per incident |
| Property damage | € 1,300,000 per incident |
Direct claim as a victim
As a victim, you can file a claim directly with the WAM insurer of the counterparty:
- It is not necessary to first approach the driver
- This principle is called 'direct action'
- The insurer handles your case
For which vehicles does the WAM apply?
The WAM insurance is mandatory for:
- Passenger cars
- Motorcycles
- Mopeds and scooters
- Speed pedelecs
- Agricultural vehicles on public roads
What if there is no WAM insurance?
In the case of an uninsured vehicle, you can:
- Claim damage from the Motor Traffic Guarantee Fund
- Hold the owner personally liable
- Know that driving without insurance is punishable
Can I as a passenger file a claim with the insurance of my own car?
Yes, as a passenger you can file a claim with the WAM insurer of the vehicle in which you were traveling, regardless of whether the driver is an acquaintance or family member.What if the insurance does not cover the total damage?
In that case, you can try to recover the remaining amount from the responsible driver. However, this can be complex in practice.Is the WAM also valid outside the Netherlands?
Yes, the WAM provides coverage in all countries listed on the green card. However, the minimum coverage may vary per country.Frequently asked questions about WAM in Rijswijk
Is WAM insurance mandatory if my vehicle is only on private property?
Yes, as soon as your vehicle enters the public road, even occasionally, WAM insurance is mandatory. If the vehicle is permanently on enclosed private property in Rijswijk, it is not required. Consult your insurer to avoid risks.
How can I file a damage claim after an accident?
Contact the WAM insurer of the counterparty immediately. Gather evidence such as photos, witness statements, and a completed damage form. Specify what damage you have (injury or material) and follow the insurer's instructions. In case of problems, you can seek help from the Juridisch Loket Rijswijk.
What if the driver has no WAM insurance?
In the case of an uninsured vehicle, you can appeal to the Motor Traffic Guarantee Fund for compensation. You must prove that the driver is liable. In addition, the owner can be prosecuted criminally and remains personally responsible.
Does the WAM also cover damage to my own vehicle?
No, the WAM only covers damage you cause to others. For damage to your own car, you need additional comprehensive insurance (all-risk or limited). This is not mandatory, but advisable for a valuable vehicle.
Can I terminate my WAM insurance if I am not using my car?
Only if you officially suspend or deregister the vehicle with the RDW can you cancel the insurance. As long as the vehicle is registered, the insurance obligation remains. For temporary non-use, you may be able to arrange a premium reduction with your insurer.
What is the difference between WAM and WA?
Both terms refer to the same mandatory liability insurance for motor vehicles. 'WA' stands for Statutory Liability and 'WAM' for the act that regulates it.
For legal questions or help with claims in Rijswijk, you can contact the Juridisch Loket Rijswijk or submit matters to the Rechtbank Den Haag.
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