When should you report a claim to DFIM?

DFIM handles cases where the party responsible is unknown – for example in hit-and-run incidents where the other party has left the scene and no information about the vehicle is available.

You can report the claim to DFIM if:

• the motor vehicle is unknown, and

• the case cannot be handled by an insurance company

Report the claim using our claim report and attach relevant documentation, such as medical records. Once we have received your report, we will contact you about how your case will proceed.

Please note: DFIM only covers property damage if compensation is also paid for personal injury.

DFIM handles cases involving uninsured motor vehicles – meaning the vehicle (party responsible) does not have the required third-party liability insurance.

You can report the claim to DFIM if:

• you have suffered a personal injury, or

• you have damage to your vehicle and do not have comprehensive insurance, or

• you have damage to other property, such as clothing, a bicycle or a building

Report the claim using our claim report and attach relevant documentation, such as medical records. Once we have received your report, we will contact you about how your case will proceed.

Please note: DFIM only covers claims that are not covered by another insurance. For example, comprehensive or household insurance. For damage to your own property, you must therefore first report the claim to your own insurance company.

If you do not have comprehensive insurance and have been involved in an accident with a foreign vehicle in Denmark, you can submit an insurance enquiry to DFIM.

When you complete an insurance enquiry, DFIM identifies the relevant foreign insurance company and its Danish representative, who can help handle your claim. We forward your enquiry to our partners abroad and pass their response on to you.

Please note that it may take up to six weeks to receive a response from abroad.

It is important to gather as much information as possible about the foreign party. At a minimum, we need:

• the registration number of the foreign vehicle

• the country of registration of the foreign vehicle

• the date of the accident

• the category of the vehicle (e.g. passenger car, lorry, bus)

Please note: If the vehicle is registered in a country outside the EU/EEA, the Green Card must be attached or the Green Card number must be provided.

If you have been involved in a road traffic accident abroad and are not at fault, you can submit an insurance enquiry to DFIM.

When you complete an insurance enquiry, DFIM identifies the relevant foreign insurance company and its Danish claims representative, who can help handle your claim. We forward your enquiry to our partners abroad and pass their response on to you.

To assist you, we need at a minimum:

• the registration number of the foreign vehicle

• the country of registration of the foreign vehicle

• the date of the accident

• the category of the vehicle (e.g. passenger car, lorry, bus)

Compensation rules in the country of the accident

Please note that the claim will be assessed according to the rules and compensation levels in the country where the accident occurred.

Also note that in some countries, there is a limitation period of one year for reporting claims.

You can read more about what to be aware of and what to do in case of an accident abroad here.