No-claim protected in WAM claims in Westland

In Westland, with its busy greenhouse streets and agricultural traffic around Poeldijk and 's-Gravenzande, your no-claim discount remains protected with direct WAM action. Article 28 WMV obliges insurers to seek recourse from the liable party, such as an uninsured scooter rider on the N213 or an errant tractor driver, so that your premium does not increase after an accident not caused by yourself. You only pay the deductible (€150-€500). Prove liability via a police report from the Westland police station or an expert bureau in Naaldwijk to prevent disputes. In cases of 50/50 liability, typical at local roundabouts, the impact on your no-claim is halved. Insurers such as ANWB and Univé, popular among Westland horticulturalists, guarantee this in their policies. Case law (ECLI:NL:GHDHA:2023:321) confirms that victims, also in the Den Haag region, may not be disadvantaged. Check your policy conditions, retain all correspondence with the Westland municipality and, in case of incorrect premium increase, claim reimbursement via the Disputes Committee. This encourages safe reporting on Westland roads without financial risk for entrepreneurs and residents. (198 words)