Recourse insurance for your moped

Recourse insurance is often chosen by policyholders who do not opt for the most comprehensive moped insurance. Policyholders with the third-party liability + theft, fire and collision have less of a need, because in most cases the insurer takes care of recovering a loss from the responsible party.
In an accident, the question of fault is important. Whoever is determined to be at fault must bear the cost of repair. When damage occurs, you speak to your insurer for damage repair. In case the insurance provides coverage, the insurer will pay the damage amount to you. The insurer can then recover the damages from the person who caused the damage. This does not apply if the damage is not covered by your own moped insurance.

Example

At an equivalent intersection, you are coming from the right. A motorist from the left overlooks you and hits you. Your moped suffers damages of €500. You appeal to your insurer for compensation. You have taken out third-party liability + theft and fire insurance for your moped. Collision damage is not insured. Your insurer does not pay out. You are told that you have to hold the person responsible for the damage liable for your loss.
You can seek legal assistance if you have it. If you have not taken out additional insurance, you can also have the damage recovered by 112schade.nl.