Identify the accident, liable parties, policy and documented losses before deciding how to pursue compensation.
Next steps
Record the date and place of the collision, vehicle registrations, insurance details and the report reference. For an injury, keep emergency and later treatment records; for property loss, retain estimates, invoices and valuation evidence. The initial police or accident report is relevant, but it does not necessarily decide every civil question about fault and loss.
A cross-border claim can involve a visitor returning home, overseas treatment and documents in another language. Explain continuing symptoms, income loss and amounts already reimbursed. Before accepting payment, establish which heads of loss are being settled. The need for an expert, an insurer application or court proceedings depends on the claim; there is no universal recovery figure or timetable.

Documents to prepare
- Accident report and photographs
- Policy and insurer correspondence
- Medical or repair documentation
- Evidence of expenditure and income loss
Do I need to travel?
An initial review can begin while you live abroad. Personal attendance, authority and original documents depend on the procedure.
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