When suffering a traffic accident, in which unfortunately, in addition to the material damage to the vehicle, injuries are suffered as a result of the accident, Who covers the health expense for the medical assistance that is necessary? Social Security does not cover the medical assistance that a driver needs due to traffic accidents, but it is car insurance that covers health care. The coverage of Obligatory Civil Responsibility of the Car insurance covers damages caused to third parties. This insurance includes the occupants of the vehicles involved and the driver of the damaged vehicle. The problem arises when the driver causing an accident is not covered by insurance.
Who covers the medical expenses of the driver of the vehicle that caused the accident?
El car insurance o motorcycle insurance, may include special coverage for the driver, which covers the costs of medical assistance that he may need after a traffic accident, and also compensation in the event of death or disability. However, this special coverage may not have been contracted.
Who will bear the medical expenses when the accident insurance has not been contracted?
The UNESPA insurance employer has signed an agreement with the public health services. This agreement establishes that the insurance companies will be responsible for the health expenses derived from a traffic accident. Although, the insurer will cover medical expenses up to a maximum of 9.360 euros, assuming the rest the public health services when:
- In the case of motorcycle or moped accidents
- The driver is responsible and has not contracted accident coverage.
- There is no other vehicle involved in the accident.
In cases where the driver responsible for a traffic accident did not have any type of insurance, the expenses derived from the accident will be assumed by the Insurance Compensation Consortium.
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