Subrogation after direct action in Tilburg: what happens next?

In Tilburg, where traffic congestion around the Spoorzone and Heuvelstraat daily leads to accidents, subrogation follows a direct action: your WAM insurer takes over your rights to recover the damage from the liable party. This is laid down in Article 6:10 of the Dutch Civil Code (BW) and Article 22 of the Motor Vehicle Liability Insurance Act (WMV). Your insurer initiates a recourse procedure against the counterparty or their insurer, often without you as a Tilburg driver needing to intervene. In a collision on the Ringbaan Oost, you receive 100% compensation minus deductible, and your no-claim discount remains protected if the other party is at fault. In cases of shared liability, such as at a junction accident near Pieter Vreedeplein, it is handled pro rata. Practice in Tilburg: insurers exchange data via the Central Bureau for Damage Compensation Arrangements (CBS), with local offices such as those of Univé or Centraal Beheer handling this efficiently. If the liable party is uninsured, the Motor Vehicle Liability Insurance Fund steps in. You do not need to take extra steps, but cooperate with requests for example dashcam footage from your drive through the city centre. Advantages: quick payout for Tilburg residents, costs on the liable party. Disadvantages: slight delay in no-claim restoration due to regional handling. Recent trends show that digital portals, used by Brabant insurers, accelerate subrogation. Victims in Tilburg rarely report issues, but in case of dispute you can consult the Insurance Ombudsman or the Legal Aid Office in the Paleis-Raamstraat. (218 words)