Verifying Car Insurance in Germany for Post-Accident Procedures

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Written By Alex

Accidents are always unexpected, but knowing how to handle the insurance aspect can alleviate some stress. This guide will walk you through the process of verifying car insurance in Germany if you’re involved in an accident with a vehicle registered in the country.

Understanding Verifying Car Insurance in Germany works

First things first, let’s get a grasp on the basics. When an accident occurs, it’s crucial to verify the insurance details of the involved German-registered car. This verification process ensures that any damages or liabilities are properly addressed.

Why Insurance Verification Matters

Insurance verification is more than just a formality. It confirms 

  • the validity of the insurance
  • the extent of coverage
  • and helps in processing claims efficiently. 

In Germany, this last step is particularly important due to the specific legal requirements of vehicle insurance.

Need a car insurance in Germany? Check out our comprehensive article here:

All about the Car insurance in Germany

The Role of the Central Service Centre Zentralruf

The Zentralruf website is the most important tool in this process. It’s designed to streamline insurance verification, making it a less daunting task. By inputting relevant details, you can swiftly obtain the insurance information of the involved vehicle.

Preparing for Verifying Car Insurance in Germany

Before you dive into the verification process, there are a few things you need to prepare. Gathering the right information is key to a smooth and successful verification.

Necessary Information

Ensure you have the following details: 

  • the German license plate number of the involved car
  • the date of the accident
  • and your contact information. 

These are crucial for the inquiry.

Understanding the Importance of Accuracy During the Verification Process

Inputting accurate information is vital. 

A simple typo or an incorrectly noted licence plate number can lead to incorrect identification of the insurance policy or, worse, render the verification process null. This mistake can delay the entire claims process, leading to frustrating back-and-forths with insurance companies.

Setting Up for Success

Take a moment to double-check your information. This can save you time and potential headaches later in the process.

Navigating the Zentralruf Website

Now, let’s get to the heart of the matter – using the Zentralruf website. This online portal is user-friendly and designed to make your verification process as smooth as possible.

Accessing the Website

To start, visit The interface is intuitive, with clear instructions and options.

Language Selection

On the website you can choose between German and English languages. Choose the language you’re most comfortable with to ensure you understand every step of the process.

Filling Out the Online Inquiry Form

The online inquiry form is straightforward, but it’s important to fill it out carefully to ensure accurate results.

Entering Vehicle and Accident Details

Start by entering the German license plate number and the date of the accident. These fields are mandatory and must be filled in accurately.

Providing Personal Contact Information

Next, you’ll need to input your contact information. This includes 

  • your name
  • address
  • email address
  • phone number
  • registration / licence number
  • roadworthiness
  • your personal reference – it can be the initials of your name

Providing Details about the Accident

  • registration or licence number of the other party in the accident
  • day of the accident
  • country where the accident happened
  • name of the keeper
  • address of the keeper

Submitting the Form

Once you’ve double-checked your details, submit the form. The Zentralruf system will then process your inquiry and retrieve the necessary insurance information.

What Happens After Submission

After submitting the form, the process doesn’t end there. There are a few more steps to ensure everything is in order.

Receiving the Insurance Details

You will receive the insurance details of the involved vehicle via your chosen method of contact. This typically happens quickly, often within a few hours.

Reviewing the Information

Once you receive the information, review it carefully. Ensure it matches the vehicle involved in the accident and that the coverage details are clear.

Next Steps

With the insurance details in hand, you can now proceed with any necessary claims or legal steps. This information will be crucial in dealing with any reparations or liabilities.

Calling Zentralruf for the Verification of the Car Insurance in German

Another effective way for verifying the insurance details is to call Zentralruf.

You can find their telephone number on their website:

The call operators might speak German primarily, so if you’re not fluent, consider having a German speaker assist you.

My advice:

Keep a record of the call details, including the date, time, and any reference numbers or names of the operators you spoke with. This can be useful if there are any follow-up inquiries or disputes.

Sample Dialogue in German When You Call Zentralruf

The following dialogue provides a realistic example of how a call with the Zentralruf might sound like, focusing on obtaining essential insurance information after a car accident:

Anrufer: Guten Tag, mein Name ist [Ihr Name]. Ich hatte einen Autounfall und muss die Versicherungsinformationen des anderen Fahrzeugs überprüfen. Könnten Sie mir bitte helfen?

Zentralruf-Operator: Können Sie mir bitte das Kennzeichen des anderen Fahrzeugs und das Datum des Unfalls nennen?

Anrufer: Ja, das Kennzeichen ist [Kennzeichen]. Der Unfall passierte am [Datum].

Zentralruf-Operator: Das Fahrzeug ist bei [Name der Versicherungsgesellschaft] versichert. Die Policennummer ist [Nummer].

Tips for a Smooth Process

To make the verification process as smooth as possible, here are some helpful tips.

Be Prepared

Have all the necessary information ready before you start filling out the form. This preparation can save time and reduce the likelihood of errors.

Stay Calm and Patient

Accidents can be stressful, but staying calm and patient during the verification process is important. Rushing can lead to mistakes.

Double-Check Your Information

Before submitting, double-check all the details you’ve entered. Accuracy is key in obtaining the correct insurance information.

In Case of Complications during the Verification

Sometimes, things don’t go as smoothly as planned. Here’s what to do if you encounter issues.

When You Encounter Errors

If you encounter errors on the website or with your submission, double-check your details first. When the problem persists, consider reaching out to the Zentralruf support team for assistance.

If Information Seems Incorrect

In case the insurance details you receive seem incorrect or incomplete, contact the Zentralruf directly. They can help clarify and rectify any issues.

Seeking Further Assistance

In cases where you’re unsure about the next steps or need additional support, consider seeking the advice of a legal professional or insurance expert.


Verifying car insurance in Germany after an accident can seem daunting, but with this guide, you’re equipped to handle it efficiently and effectively. Remember, accuracy and preparation are your best tools in this process.


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