Hopefully your new life in Spain will be traffic accident free. But as with most things in life, it is better to be safe than sorry and be prepared.
In Spain, you are legally required to have certain items and documentation in your vehicle:
Since third party insurance is mandatory, there is a wide range of insurance companies, but you might want to consider one that offers specific policies for expats and full services in English, like Línea Directa .
If you are unfortunate enough to be involved in a car accident, the number one priority is safety and medical attention if required. Keep calm and try to remember the following checklist:
If anyone is injured, call 122 for an ambulance and police immediately. Don’t move an injured person unless absolutely necessary for safety reasons and cover them with a blanket or coat. Very important: If a motorcycle driver has been hurt, do not remove their helmet!
If there are no injuries and only minor damage to the vehicles, there is no need to call the police.
In the case of a minor accident with no injuries, it is common that drivers complete an accident report form (Declaración Amistosa de Accidente). This form is an ‘amicable statement’, where drivers agree on what happened (and optionally, who was at fault - read the instructions on the form carefully). It isn’t obligatory to complete one and, if your Spanish isn’t up to it, you should refuse. You may, however, complete it in English or another language if you wish.
If police attend the scene of an accident, they will write their own report (atestado). This one is very important for the insurance and if you want to seek any indemnity or compensation.
Your insurance company must be notified of an accident within seven days and a delay may affect a claim. If there are injuries, make sure that the insurer is informed and provide them with a medical certificate.
You have two months to bring a charge against other parties involved. Bear in mind that, if a court case is required to decide the outcome, it can take years for a case to be heard.