Hit and run — Politie · Belgium

Direct answer

Report it to Politie — Police-on-web (police.be) within 24 hours — for insurance and for the search: cameras, witnesses and paint traces find more drivers than people think. If the driver is never found, Belgisch Gemeenschappelijk Waarborgfonds (02 287 18 11) — the motor guarantee fund for Belgium — pays for personal injury and, under conditions, for vehicle damage. Your own comprehensive insurance pays first if you have it; if the insurer refuses or delays, Ombudsman van de Verzekeringen (02 547 58 71) decides.

Call firstPolitie — Police-on-web

Report toBelgisch Gemeenschappelijk Waarborgfonds

If that failsOmbudsman van de Verzekeringen

🗣️ What to say

"On [date] at [time] my car [plate] was hit at [place] by [description / plate if known] who left the scene. Damage: [what]. Witnesses: [names]. Photos attached. I want to report this and get the case number for my insurer and the guarantee fund."

🪜 Step by step

ScenePhotos of the damage, the position, paint traces, nearby cameras. Ask bystanders for their number.
Report to Politie — Police-on-webWithin 24 hours; online in many countries. The report is required by the fund and the insurer.
InsurerComprehensive covers it; report the claim with the police number. Liability-only: go to the fund.
Guarantee fund: Belgisch Gemeenschappelijk WaarborgfondsPersonal injury always; vehicle damage usually with conditions (identified vehicle, or injury alongside). Deadlines apply.
Parked car found damagedSame route; report and look for a note or a witness before you drive away.

📇 All contacts

Politie — Police-on-webOnline report, case number immediatelyAlways — the basis for bank, insurer and platform🔗 www.police.be/nl/e-loket

Belgisch Gemeenschappelijk WaarborgfondsCompensation after hit-and-run or uninsured driverWhen the driver is unknown or uninsured📞 02 287 18 11 🔗 www.bgwf.be

Ombudsman van de VerzekeringenFree mediation with insurersAfter the insurer's refusal📞 02 547 58 71 🔗 www.ombudsman-insurance.be

Slachtofferhulp (CAW) / Commissie voor financiële hulp aan slachtoffersFree support and accompaniment, compensationAfter any crime📞 0800 13 500 🔗 www.slachtofferzorg.be

❓ Frequently asked

Will my premium go up?

A claim on your comprehensive policy for a hit-and-run is usually treated as no-fault; check the policy, and ask Ombudsman van de Verzekeringen if the insurer applies a penalty.

The driver left a note — can I trust it?

Contact them and their insurer in writing; if the details are false, report it as hit-and-run.

I was on a bike

Same: police report, then the fund for injury — cyclists and pedestrians are exactly who it is for.

📎 Sources

Last checked: 2026-09-26

🔎 Common searches

Recognise your own search? The answer above covers all of these.

“hit and run who pays Belgium”
“car damaged driver drove off”
“motor guarantee fund Belgium”
“report hit and run police”
“parked car hit unknown driver insurance”

🧭 Is this still correct?

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🚗 My car was hit and the driver drove off — who pays, and who do I contact?