No-claim Protection in WAM Claims in Tilburg

In Tilburg, your no-claim discount remains protected under direct action pursuant to the WAM (Motor Vehicle Liability Insurance Act). Article 28 of the WMV (Road Traffic Act) obligates insurers to seek recourse from the liable party, ensuring that your premium does not increase after an accident not caused by you on busy roads such as those around the Spoorzone or Heuvelstraat. You will only be required to pay the excess (€150-€500). Evidence of fault, provided by a Tilburg police report or an expert assessment agency available in the region, helps prevent disputes. In cases of 50/50 liability at intersections like Korvellaan, the impact on your no-claim discount is halved. Local insurers such as Univé in Tilburg and ANWB agencies guarantee this in their policies. Recent case law (ECLI:NL:GHDHA:2023:321) confirms that victims in North Brabant must not be disadvantaged. Verify your policy conditions with a Tilburg advisor and retain all correspondence. If your premium increases incorrectly, reclaim the amount via the Disputes Committee. This encourages accident reporting in our municipality without financial risk, particularly given the increasing traffic due to Tilburg's growth.