TRAFFIC ACCIDENTS. INSURANCE. COVERAGES

When we are involved in an accident, apart from the "initial shock", we must talk to the other conduits by way of filling the joint "part of an accident," unless we find a situation of conflict or Failing agreement, which should always call the police, Local, or Civil Guard.

Agents once he leaves in place the resulting rise Attestation with evidence to the effect of liability and damages or extra judicially.

If the other driver is not always desirable partner to collect all of the identifying information (registration of the car, eyewitnesses).

If there have been injuries should also ask for the medical and in the same figure that the cause of injury was traffic accident.

The report also serve as a medical test to determine the appropriate compensation, and therefore the amount of claim to the Insurer. That will immediately notify the Insurer within the period of 7 days.

If we believe the responsibility of the other driver have a period of 6 months to bring criminal complaint, and if it is not an offense for 1 years civil claim.

Always read carefully the terms of the insurance policy and that the same may have taken insurance cover for legal expenses.

We can do a brief overview of the classes of insurance with which we can find:

1 .- The Third Party. (Obligatory). It covers bodily injury or material to others, there is a threshold legal framework, the excess should pay voluntary insurance (all risk) or the person responsible for the incident.

Liability insurance does not cover mandatory:

- Personal injury, the policy-driver, the vehicle owner or insured.

- Damage to insured vehicle, the goods and property of the policyholder, insured, owner, operator and the spouse and relatives up to 3 dependents of the above.

- Physical and material damage caused by uninsured or stolen vehicles. (Answer from them Consortium Compensation Insurance)

- Damage caused under the influence of alcohol, drugs or psychotropic substances

- The offense was committed in contravention of provisions and conditions of carriage, weights or measures.

- Vehicles driven by unauthorized persons or without travel permit

However the injured parties may claim damages to the insurer who has a right of recourse (ie, you can go) against the insured.

2 .- voluntary insurance. (For all risks). Covers damage not covered by compulsory

Regarding the claim for compensation for personal injury as both materials exist two ways:

1 .- The Extra. Without going to trial. The amount negotiated with the Insurer.

2 .- The Judicial. Criminal (summary procedure or ordinary) or civil (oral or ordinary)

For which we have provided any kind of doubt it is best to contact an attorney specializing in issues of "Traffic"