WHO PAYS FOR THE DAMAGE CAUSED BY A CAR WITHOUT INSURANCE, UNKNOWN OR STOLEN?

WHO PAYS FOR THE DAMAGE CAUSED BY A CAR WITHOUT INSURANCE, UNKNOWN OR STOLEN?

The Consorcio de Compensación de Seguros should be responsible for compensation, with the same economic limits of the assurance of obligatory subscription in the following cases:

• Personal injury insurance occurred in Spain, in cases in which the causal vehicle is unknown.

• Damage to persons and goods, caused with a vehicle which has its usual parking in Spain, as well as the damages caused within the Spanish territory to persons with habitual residence in Spain, or to its property property situated in Spain, with a vehicle with parking in a third country not signatory to the agreement between the national insurance offices of the States members of the European economic area and other associate States; provided that the vehicle is not insured.

• Damage to persons and property caused by a vehicle with regular parking in Spain that is secured and has been subject to theft or theft of use.
• In cases that there is controversy between the Consorcio de Compensación de Seguros and the insurance company about who must compensate the injured person
• Damage to persons and goods when the Spanish insurance company of the vehicle with regular parking in Spain had been judicially declared bankrupt or having been dissolved and being insolvent, it is subject to a procedure of liquidation intervened or this would have been assumed by the consortium itself.
• Refund satisfied compensation to affected residents in other States of the European economic area by the agencies for compensation, in the following cases:
• When causing the accident vehicle have this operation usual in Spain, in the case that you can not identify the insurance company.
• When the accident occurred in Spain, in the case that you can not identify causing vehicle.
• When the accident occurred in Spain, in the case of vehicles with regular parking in third countries adhered to the system of international certificate of automobile insurance (hereinafter, green card) and can not be identified to the insurance company
• Damage to persons and property arising from accidents caused by a vehicle imported to Spain from another Member State of the European economic area, provided that the vehicle is not insured and the accident occurred within the term of 30 days counting from the buyer accepted the delivery of the vehicle.
• In the event of no assurance and theft, are excluded from compensation for the Consortium on persons and property suffered by persons who occupy the vehicle that caused the accident on a voluntary basis, and that they knew that the vehicle was not secured or that had been stolen, provided that the Consortium proved that they were aware of such circumstances.

Claim compensation to the Consortium for damages suffered in a traffic accident by a car without insurance, or unknown

Then we will see what we can claim to the Consortium in case of accident caused by a car without insurance and how:

MATERIAL DAMAGE

To claim damage should present the communication of loss and a photocopy of the identity card of the injured person and beneficiary of the compensation - if they don't match-. It should also be present bank details, the crowded and the budget/invoice of repair

PERSONAL INJURY

To claim personal injury, in addition to the above, you must present the communication of loss, a photocopy of ID card of the injured person and beneficiary of the compensation - if not match - and bank details, as well as the parts of low/high medical-hospital, a report from the coroner or, in absence thereof, of the Medical Center and an original Executive car or copy authenticated by the Court

IN CASE OF DEATH

In the case of fallecimeinto, must submit a certificate of last wills, the Testament or, in the absence of Testament, a declaration of heirs or act of notoriety.

In case of accident caused by an unknown vehicle, damages are covered. Personal injury and death follow the same precepts.