Compulsory Liability Insurance

Under Spanish law, effective in early 2008, all vehicles, including second hand, must have car insurance minimum coverage which is mandatory liability. Driving without her, can pose sanctions ranging from 601 euros to 3,005 euros and can inhabilitarnos the vehicle.

Car insurance compulsory or mandatory liability insurance, has the minimum coverage required by law. This insurance coverage is not sold on its own in the companies, it is generally offered in a package with other coverages such as legal expenses, driver insurance, travel assistance, etc..Only I can find no other coverage added in the Insurance Compensation Consortium. Sometimes, companies refuse to insure a user, ie, they do not even do the most basic insurance including Liability Compulsory. The reason is usually caused by poor driving experience (less than 2-5 years of age card), or by the young age (under 25, although there are companies in which is from 27, or even more ) or insure the vehicle (with power / weight ratio high).

When this occurs, and as we can not travel without insurance, there is a public entity that will assume the legal minimum for all these people that no private company assumes.These coverages are valid in Spain and all countries of the Multinational Agreement Guarantee (the EU, Switzerland, Iceland, Norway, Croatia, Slovenia, Hungary, Czech Republic and Slovak Republic).What coverages offered


Compulsory Liability Insurance?
The range covered by this insurance is related to damage that may have made the driver of the car against other people, namely:* Damage to third parties (including a pedestrian) amounting to 70 million Euros per claim.* Damage against animals* Against property damage up to 15 million Euros per claim.

What coverages are not included?

No cover us if the person hit or otherwise damaged in the vehicle is a relative of the driver at fault. Up to the third degree of consanguinity to the driver at fault this coverage does not include damage of a material nature that were not (historically these claims were brought about intentionally and therefore the exception in today's terms).Therefore, the major risk of this insurance contract can only be the limitations that we would suffer with it. For while it is designed to ensure that if we are owners of a vehicle and caused damage to other persons or property they will be covered, in no case shall this insurance cover damage we cause we ourselves or family, we will have no supplemental coverage, and in any case the coverage will be limited.

Accident or claim against uninsured vehicle

According to the Insurance Compensation Consortium and the DGT, is estimated at more than one million vehicles that currently circulate on our roads without car insurance. In 2002 saw the highest number of uninsured vehicles with about 2.66 million.In 1962 the insurance of motor vehicles became mandatory, due to the increase of Spanish fleet, in order to meet a growing need felt socially, protect victims of acts of circulation, ensuring health care and compensation up to the limit was established, run by the insurer of the vehicle causing. The obligation to ensure the vehicle is imposed in Article 2 of the Regulation on Liability and Insurance on Motor Vehicle Traffic (Royal Decree 8/2004). With mandatory coverage is intended that all responsible for a car accident can cope, through insurance, its obligation to repair the damage.Circular with a vehicle without insurance can lead to severe penalties and consequences
On the one hand economic sanctions, for tourism, driving a vehicle whose permission is required for the class B would sanction € 1500, while for a bike for € 1,250 and any vehicle that requires a permit C1, C1 + E, C, C + E, D1, D1 + E, D or D + E, 2,600 €.On the other hand, if, within 20 calendar days will not be credited to the Traffic Department compulsory insurance of the vehicle, the officers ordered the vehicle tank, having to take care of the costs incurred in this subject, in addition of the corresponding fine. There is a 50% reduction in the amount of the fine, if any payment of the penalty within 20 calendar days from the day following receipt of notification of the penalty.But what if we are involved in an accident with a vehicle that is not insured? Are we helpless?Who should pay compensation when the vehicle is uninsured otherwise?
Under existing law the Insurance Compensation Consortium is responsible for the damage to persons or property by Spanish registered vehicles moving without insurance.How do I proceed?In case you suffer a casualty or accident at a vehicle without insurance, it is important to consider and follow these tips:

    Record data make, model and license plate number otherwise. So, if he leaves the scene of the accident without leaving your data, you can identify later.
    
Tell the police to conduct the crowded.
   
 While waiting for the police, it takes all possible data on the part friendly especially the owner complete data listed in the vehicle documents (certificate) and if different driver.
    Record details of the accident witnesses if any. May testify about what happened if necessary and identify with the vehicle registration charge uninsured.
   
 Communicate the incident within seven days to your insurer. They will be responsible for handling the compensation due to the Consortium if applicable.If there is injury, who is responsible for medical expenses?
The Insurance Compensation Consortium shall assume all healthcare expenses necessary to the healing and consolidation of the aftermath and the compensation and property damage coverage for the vehicle.What about the responsibility of the vehicle without insurance?If the vehicle is declared responsible uninsured casualty or accident happened, the Insurance Compensation Consortium may require reimbursement of all expenses and damages incurred.