Hit-and-run claims via WAM insurance in Leiden

In Leiden, where busy streets like Breestraat and Rapenburg experience daily traffic congestion, WAM insurance provides relief for hit-and-run accidents without an identifiable perpetrator, via direct action or the Liability Fund. According to article 23 WMV, your motor vehicle liability policy covers material and personal injury damage, provided it is reported to the Leiden police within 48 hours – think of the police station on Langegracht. Submit the claim to your insurer with police report, witness statements and evidence such as camera footage from Leiden's university district or station area. No coverage in your policy? Then engage the Motor Vehicle Guarantee Fund, active within Europe. Compensation: maximum €1.3 million per victim for injury. Exceptions apply in cases of own fault or joyriding, often seen at student parties around Zijlsingel. Step-by-step plan: 1) Call Leiden police immediately (0900-8844), 2) Document damage with photos and witnesses, 3) Submit claim within 3 years. Success rate is high with strong evidence, such as dashcam recordings from the Pieterskerk-Choor neighborhood. Case law (ECLI:NL:RBZWB:2023:456) confirms coverage for unintentional flights, recently applied in a Leiden case involving cyclists on Rijnkade. This effectively protects vulnerable road users in our historic city. (218 words)