WHAT TO DO IN CASE OF TRAFFIC ACCIDENT

WHAT TO DO IN CASE OF TRAFFIC ACCIDENT

Nobody likes to think about what would happen in case of a traffic accident, but is vitally important act correctly, by the criminal consequences which could have both personal safety, as well as to be able to use our car insurance coverages and collect the relevant compensation.

Firstly, it is necessary to mark the place of the accident with the obligatory triangles and set up the four indicators of the vehicle. This will prevent problems with other drivers. Once marked, should call accident forces and security bodies at la Guardia Civil (062) and / or to emergency Center (112).

In addition, people who can leave by their own means the vehicle must be reflective vests if they are accessible to more visible.

ACCIDENT WITH INJURIES

Where there are wounded, the main premise is to not move the person, which must only move in case of imminent risk of fire or explosion of the vehicle, or in other circumstances where common sense dictates that you we must remove as soon as possible to the person of the vehicle. In any case, should keep the person with heat and waiting for the requested help.

ACCIDENT WITHOUT INJURIES

In the case that the accident does not produce victims and there is only property damage, involved drivers must fill the friendly Declaration of accident, with versions that are or not matching. Where they are unwilling to do so, should wait for the Civil Guard to lift the crowded the accident.

PRESENTATION OF PAPERS TO THE INSURANCE

Once made the papers, drivers should communicate the accident to your insurance company. The driver not responsible for accident insurance communicates the loss to a computer system called CICOS and proceeds to repair your insured vehicle or to pay damages which would have when you get the conformity of other company.

The insurer of the guilty driver pay module (amount per event, regardless of the actual cost) to the entity of the driver not guilty.

If injuries or fatalities have been produced, on the back of the friendly Declaration of accident exists to provide other supporting evidence or to be important, such as information about the injured in the accident. In the event that this statement is not available, a letter is sufficient. In any case, it is necessary to attach the certificate provided by the Civil Guard.

HEALTH CARE

If necessary medical and hospital assistance, this is always provided. Then insurers are responsible for payment to hospitals that have treated the wounded the economic cost of such medical care according to the agreements reached.

EVALUATION OF PERSONAL INJURY

The assessment and repair of personal injury is one of the main problems that faced the insurance, due to the complex evaluation they need and the diversity of consequences that can be derived. For the assessment of such damage is called system for the assessment of the body damage in a traffic accident, called scale, and is enshrined in the law of Civil liability and insurance in the circulation of vehicles to Motor.

The scale is mandatory and is the best guarantee for two equal injuries are compensated according to the same economic valuation, whether they have occurred in different places or that have been processed by different jurisdictions. The scale is updated annually based on the CPI.