Foreign Damage Protection (Auslandsschadenschutz): Your Rights Abroad – What happens if the accident occurs in Serbia, Bosnia, Italy or Croatia?
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Foreign Damage Protection (Auslandsschadenschutz): Your Rights Abroad – What happens if the accident occurs in Serbia, Bosnia, Italy or Croatia?
As a certified independent car expert (KFZ-Gutachter), I frequently get questions about this topic. That’s why I’d like to explain:
- what Auslandsschadenschutz actually is,
- which countries are covered,
- and what you must do if an accident happens abroad.
Below, you’ll find screenshots from my own insurance agreement with highlights on key points.
What is Auslandsschadenschutz?
This insurance add-on allows you to claim for damages in Germany even if the accident happened abroad – as long as you were not at fault.
Your benefits:
- No dealing with foreign insurers
- No legal or language barriers
- Compensation based on German standards
- Faster and more secure damage handling
Where is Auslandsschadenschutz valid?
If you have this protection included in your contract, it typically covers many countries in Europe – but not automatically all!
Example countries where it usually applies:
- Bosnia and Herzegovina
- Serbia
- Croatia
- Montenegro
- Kosovo
- Italy
- Austria
- Switzerland
- All EU countries (except Germany)
See the screenshots below for marked excerpts from my own policy
What to do if an accident happens abroad?
- Call the police. Always request an official report – it’s required for claims in Germany.
- Secure all details. Take pictures, write down the other party’s details (plate number, insurance, etc.).
- Don’t repair the vehicle right away. Contact me first – I’ll provide a certified assessment and guide you through the process.
- Fill out the European accident report. Keep a copy in your car – you can also get one from me.
- Report the damage to your insurance immediately.
Important:
- Auslandsschadenschutz is not included by default – check your policy!
- I offer a free policy review – just send me your documents.
- Highly recommended for anyone driving regularly to Southeast Europe or Italy.
Conclusion
An accident abroad can be stressful – but with Auslandsschadenschutz, your rights are protected under German law.
As a KFZ-Gutachter, I help clients across Germany after accidents – no matter where the damage occurred.
Reach out to me for advice, damage reports, or help navigating your insurance claim.
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