For members


What to do if you have a car accident in Switzerland?

An accident is not on anyone’s ‘to-do’ list, but sometimes bad things unfortunately happen to good people. These are the steps to take if you are involved in a road accident in Switzerland.

What to do if you have a car accident in Switzerland?
Don't repair your car after an accident until your insurance company examines the vehicle. Photo: PIxabay

Of course, nobody plans on a car accident, with many of us thinking it’ll never happen to us. Even if you are a safe driver, you could still be a victim of an accident caused by another person.

Nearly 18,000 traffic accidents involving injuries  had been reported in Switzerland in 2020 — the last year for which official data is available. Fortunately, the vast majority were relatively minor; over 3,700 people were seriously injured and 227 were killed.

The only bright spot among these grim statistics is that the number of car accidents has dropped considerably — by 62 percent —  in the past two decades.

EXPLAINED: How does roadside assistance work in Switzerland? 

What should you do if you are involved in an accident?

If this happens, it is normal that you might get nervous, stressed out and feel in a state of shock, possibly forgetting how to act and what to do.

The steps to take are the same whether you or the other driver(s) are at fault. According to motoring organisation Touring Club Suisse, this is what you must do immediately after a traffic accident.

Stop and keep calm

This is easier said than done but it is essential that you keep a cool head.

  • First, turn on your distress signals
  • Determine the number of vehicles involved, their positions and the nature of the accident
  • Secure the scene of the accident by installing the warning triangle at least 50 metres (approximately 60 paces) from the scene of the accident. Note to self: make sure you have these triangles in the trunk of your car.

Make an accident report in writing

Describe the course of the accident with the help of the European accident report. If you don’t already have this document, you can download it here.

Always keep this document in the glove compartment of your vehicle: hopefully, you will never need it, but it is  better to be prepared.

In the best-case scenario, everyone involved in the accident can stay polite or, in the very least, civil. All parties can then fill out the accident report together, with each person signing it.

Taking photos of the damage is always helpful.

Declare the accident to the insurance company

Don’t repair your vehicle until after your insurance company has examined it.

If you are at fault, your insurance will settle with the other driver(s)’ insurance; if the other party is responsible, then your carrier with seek compensation from the other policyholders.

READ MORE: Which Swiss canton has the worst drivers?

When should you call emergency services?

Traffic accidents are common and most are minor, not requiring an intervention from emergency services or law enforcement.

However, one or the other (or both) should be called if:

  • You or other people involved are injured (ambulance number: 144)
  • There is a risk of fire or explosion: call the fire department (118)
  • When an argument or a fight erupts among the parties involved in the accident, call police (117).

What equipment should you always have in your car?

In Switzerland, you are only required to have the triangle, according to TCS. Safety vests are not obligatory but it is good to have one nevertheless, as they are compulsory in many other European countries, including Switzerland’s neighbours.

This map shows where the vests are required:

Countries marked in yellow require safety vests. Image: TCS

Another very important thing to know before you even hit the road (though hopefully not literally): car insurance is mandatory in Switzerland, even if it is only the basic one that doesn’t cover your own vehicle, but covers others.

READ MORE: Everything you need to know about car insurance in Switzerland

Member comments

Log in here to leave a comment.
Become a Member to leave a comment.


Reader question: Does the new EU automatic speed limit apply to Switzerland?

From July 6th, an EU rule requiring cars to install automatic braking technology when they cross the speed limit will come into force. What does this mean for cars in Switzerland?

Reader question: Does the new EU automatic speed limit apply to Switzerland?

The rule will only apply to new cars sold on or after the deadline, i.e. cars will not need to be retrofitted with the technology. 

What is an intelligent speed assistance system (ISA)?

Pursuant to Regulation (EU) 2019/2144, all cars sold in the EU must be equipped with an intelligent speed assistance system (ISA). 

This is a technology that automatically slows down cars breaking the speed limit. 

READ MORE: The roads and dates to avoid driving in Switzerland this summer

It uses GPS and speed cameras to determine whether a car is exceeding the speed limit in that area, and then prompts the driver to slow down before gently pushing back on the acceleration pedal and automatically reducing engine propulsion.

From July 2022, all new car models sold in the EU will have to have this technology installed. From 2024, even older car models being sold will have to have to be equipped.

From July 6th cars will also be required to have a black box which records a range of driving parameters like speed, acceleration or braking phases, wearing (or not) of a seat belt, indicator use, the force of the collision or engine speed, in case of accidents.

This information will be available to the police only in the event of an accident and will not be accessible by insurance companies. It will also not be available to the police for the purpose of checking speeding fines. 

What about cars in Switzerland? 

The rules will also apply in Switzerland. 

While Switzerland is not a member of the EU, it is a party to several agreements which mean certain EU regulations apply here as well. 

This means that all cars sold in Switzerland after July 6th will need to comply. 

Why is the rule coming into place? 

The major reason is road safety. 

READ MORE: What is Switzerland’s ‘traffic calendar’ and how can it help me save time?

In Switzerland, along with several other EU countries, speeding is the most common cause of accidents. 

The rule hopes to reduce accidents by 20 percent. 

While many modern cars already have this technology on board, this will be the first time it is mandated.