What Is the European Accident Report?

The European accident report is a standardized document used in most European countries. Its layout is identical everywhere; only the language changes. This form allows you and the other party involved in the accident to describe, on the spot, the facts, circumstances, and visible damage in an objective and structured way.

This document is not a recognition of liability but a statement of facts. It brings together essential information for your insurer: details of the drivers and vehicles involved, insurance data, accident location, sketch, possible witnesses, and a short description of the circumstances. A carefully and legibly filled report greatly facilitates the work of the insurance company and helps speed up compensation.

In 2026, this report remains the key reference document after a traffic accident, whether it concerns a simple fender-bender or a more serious collision. Keeping a blank copy in your glove compartment and knowing how to fill it in calmly gives you an invaluable advantage in a stressful situation.

How to Properly Fill Out the European Accident Report

When an accident occurs, emotions can run high. To avoid omissions or errors that could complicate your claim, follow these golden rules to complete your European accident report clearly and thoroughly. Take your time, stay calm, and make sure both parties agree on what is written before signing.

1. Always use the official European accident report: it is identical throughout Europe, except for the language. If you are abroad, the structure will be the same, which makes it easier to fill out.
2. Use a pen and write in clear block letters: avoid pencils, which can fade or be altered. Write legibly in uppercase and do not forget to complete the back of the form, which is also used by insurers.
3. Carefully check the details of the other driver: identity, address, phone number, registration number, brand and model of the vehicle, insurance company and policy number. If necessary, verify the identity card, green card, and registration certificate.
4. Mention any witnesses: if people saw the accident, note their full contact details (name, address, phone number). Neutral witnesses can play a decisive role in the event of a dispute.
5. Do not admit or assign liability on the spot: limit yourself to describing the facts. Do not write comments such as “I am responsible” or “The other driver is at fault”. Liability will be determined later by the insurers based on the report and the applicable regulations.
6. Draw a precise sketch of the accident: indicate the position of the vehicles, directions of travel, traffic signs, road markings, traffic lights, street names, and any obstacles. Label the vehicles as A and B as indicated on the form.
7. Add photos if possible: take pictures of the vehicles, damage, surroundings, and road signs from several angles. These photos will support the information given in the report.
8. Sign and exchange copies: once all sections are filled in and checked, both drivers must sign the report. Detach the sheets: each party keeps a copy and then sends it to their own insurer within the required time limit.

After the accident, send your copy of the report to your insurer as quickly as possible, accompanied by any photos or additional documents. The more complete and precise your file, the faster your claim can be processed.

Towards a Fully Electronic Accident Report in 2026

The digitalization of insurance services has profoundly transformed the way accidents are reported. Since the first mobile applications were introduced around 2015, completing an accident report electronically via smartphone has become increasingly common. In 2026, many insurers now offer secure, free apps that guide you step by step through the process.

The electronic accident report allows for faster and often more accurate processing of your claim. Photos, geolocation, and structured fields reduce the risk of omissions or misunderstandings. The information is sent directly and securely to the insurers of both parties, which can considerably speed up the analysis of the file and compensation.

Even though the electronic procedure is legally recognized, you are not obliged to accept it. You are always free to use the paper version of the European accident report if you feel more comfortable with it. The most important thing is that the information is complete, consistent, and signed by both parties, whatever the format chosen.

Practical Advice in Case of an Accident

A few simple precautions can make a real difference on the day an accident occurs. First of all, always keep at least one blank copy of the European accident report in the glove compartment of your vehicle, along with a pen and your insurance documents. If you regularly travel abroad, make sure the form is in a language you understand.

In the event of an accident, as soon as it is safe to do so, calmly note the license plate number of the other vehicle. This is essential in case the other driver tries to leave the scene before completing the report. If no agreement is possible, if the other driver refuses to fill out or sign the report, or if the situation escalates, call the police. They will draw up an official report and, if necessary, may require the people involved to take a breathalyzer test.

Your safety and that of other road users takes priority. Before completing the report, secure the area as much as possible: hazard lights, warning triangle (respecting safe distances), moving to the shoulder where possible. Then take the time to complete the report without rushing. A few extra minutes on site can save you a lot of administrative and financial complications later.