Road traffic accident compensation in Tarragona: how to claim

After an accident, priority is given to healthcare. For the claim, it is essential to document the incident, identify vehicles and insurers, and retain reports, prescriptions, sick notes, invoices and photographs.

Medical follow-up and causal link

The indemnification depends on the days of damage, sequelae, costs, loss of earnings and other damages substantiated. Delays in attending a medical centre or interruptions to treatment can generate discussion about the relationship between accident and injury.

Claiming from the insurer

The injured party must present a claim with necessary information for assessing damage. The insurer must issue a motivated offer or a reasoned response within legal terms and time limits. Calculations should be reviewed using medical reports and the applicable valuation scale for the corresponding year.

What to check before accepting

• Days of personal injury and temporary loss of quality of life.

• Sequela and aesthetic damage.

• Medical expenses, travel costs and third-party assistance.

• Loss of earnings or income.

• Material damage and particular circumstances.

Time limit and evidence

The action is subject to prescription. The initial date may relate to the stabilisation of injuries but must be analysed on a case-by-case basis. A substantiated claim helps preserve rights and clearly define what is being claimed.

In civil liability, we review the insurer's offer and quantify the claim with medical and documentary support.

Source: Law on civil liability and insurance for motor vehicle circulation.

This content is informative and does not replace tailored legal advice.