Compensation for material damage, dental crowns, prostheses, orthoses or epitheses following an accident that occurred on or after 1 January 2011
Last update
Work-related or commuting accidents can involve:
- damage to motor vehicles; and/or
- incidental material damages; and/or
- damage to dental crowns, prostheses, orthoses and epitheses that the insured person was wearing/carrying at the time of the accident;
Who is concerned
Each person who is the victim of a work-related or commuting accident, or a school/extracurricular accident.
Prerequisites
The work, commuting or school accident must have been declared beforehand.
Deadlines
You must submit your application within one year from the recognition of the accident or they risk forfeiture of the right to compensation.
How to proceed
Compensation for damage to motor vehicles
As an insured person, you are entitled to compensation for damage caused to the motor vehicle you were using at the time of the accident on a public road.
Your compensation will be reduced by a deductible corresponding to two thirds of the social minimum wage.
The maximum amount of compensation is:
- 5 times the social minimum wage for commuting accidents; and
- 7 times the social minimum wage for work-related accidents.
You can be compensated even in the absence of a bodily injury, provided that:
- the insurance company of the damaged vehicle does not cover the material damage (casco);
- the accident was not caused by a responsible third party.
You will be compensated for damage to the vehicle in the following circumstances:
- a repair of the vehicle is required:
- the vehicle's value will be determined:
- on the basis of an expert valuation; or
- failing that, by reference to a comparable second-hand market value;
- you must submit an invoice paid in full by a legally established business, whether or not it is based in Luxembourg, in order to receive compensation;
- the vehicle's value will be determined:
- the vehicle is written off: the vehicle's value will be determined:
- on the basis of an expert valuation; or
- failing that, by reference to a similar value on the used car market, reduced by a lump sum of EUR 110 at index 100 representing the value of the wreck. You can prove that the wreck's value is lower by presenting an invoice from a professional legally established in Luxembourg or abroad. The deductible must also be deducted from the compensation amount.
The Accident Insurance Association (Association d’assurance accident - AAA) will reimburse the costs of the valuation, provided that it was carried out at your request and that you have paid these costs yourself.
The AAA does not cover the costs relating to:
- roadside assistance;
- towing;
- storage;
- rental of a replacement vehicle.
It should be noted that pupils and students only benefit from compensation for material damage to a motor vehicle if they have not been able to use public transport for serious reasons beyond their control.
The material damage to the vehicle is compensated upon written request, which needs to be sent to the AAA by post (see 'Online services and forms').
Compensation for incidental material damage
As an insured person, you are entitled to compensation for incidental material damage arising from the accident, provided that the accident resulted in bodily injury.
Compensation for damage to clothing and other personal items is paid:
- on presentation of the invoice (only valid for items purchased before the accident);
- with a 20% deduction per year for wear and tear.
The material damage is compensated upon written request, which needs to be sent to the AAA by post (see 'Online services and forms').
Compensation for damage to dental crowns, prostheses, orthoses and epitheses
As an insured person, you are entitled to compensation for damage caused to any dental crowns, prostheses, orthoses and epitheses that you were wearing at the time of the accident, even if you did not sustain any bodily injury.
You are entitled to compensation if it is a:
- a prosthesis implanted in the body to compensate for a missing or failing organ; or
- a prosthesis not implanted but restoring a compromised bodily function; or
- an orthopedic prosthesis; or
- a dental crown.
The damage to glasses is only reimbursed if there is a bodily injury because they are not prostheses replacing a part of the human body.
The material damage is compensated upon written request, which needs to be sent to the AAA by post (see 'Online services and forms').
Appeal
There are several ways in which you can seek redress to assert your rights.
Online services and forms
Who to contact
-
Accident Insurance Association (AAA)
- Address:
-
4, rue Mercier
L-2144
Luxembourg
Luxembourg
L-2976 Luxembourg
- Phone:
- (+352) 26 19 15 1
- Website:
- http://www.aaa.lu
Desk opening hours (with or without booking an appointment via MyGuichet.lu):
Closed ⋅ Opens monday at 8.00
- Friday:
- 8.00 to 12.00
- Saturday:
- Closed
- Sunday:
- Closed
- Monday:
- 8.00 to 12.00
- Tuesday:
- 8.00 to 12.00
- Wednesday:
- 8.00 to 12.00
- Thursday:
- 8.00 to 12.00
-
Accident Insurance Association (AAA)
Benefits department
- Address:
- Phone:
- (+352) 261915 2000
- Fax:
- (+352) 49 53 35
- Email address:
- prestations.aaa@secu.lu
Heures de bureau :
Closed ⋅ Opens Monday at 9.00
- Friday:
- 9.00 to 11.30, 13.30 to 16.00
- Saturday:
- Closed
- Sunday:
- Closed
- Monday:
- 9.00 to 11.30, 13.30 to 16.00
- Tuesday:
- 9.00 to 11.30, 13.30 to 16.00
- Wednesday:
- 9.00 to 11.30, 13.30 to 16.00
- Thursday:
- 9.00 to 11.30, 13.30 to 16.00
Related procedures and links
Procedures
Links
Tools
Consult the current social parameters.
Further information
sur le site de l'Association d'assurance accident (AAA)
