European accident statement
A joint statement signed by drivers at the scene, whose ticked boxes determine how liability is apportioned.
Seventeen circumstance boxes, numbered the same in every European language, and a sketch: that is what the claims handler reads, far more than the free-text account. Those boxes feed the scale of the IRSA agreement, successor to the 1968 IDA agreement between French insurers, and ticking "was reversing" instead of "was changing lanes" moves the liability split from zero to a hundred. The European accident statement is drawn up and signed jointly by the drivers at the scene, before their accounts drift apart. Its evidential weight comes from being a mutual admission: what each driver signed can be used against them, and going back on it means proving error or defective consent, which rarely works. The split is often settled before any lawyer has opened the file.
The form has seventeen circumstance boxes, numbered identically in every European language, plus a sketch. Those boxes, not the free-text account, feed the scale of the IRSA agreement, successor to the 1968 IDA agreement between French motor insurers. Ticking "was reversing" instead of "was changing lanes" is enough to move the liability split from zero to a hundred.
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