Personal Injury & Car Accident Claims in Spain for Expats
How to claim compensation for personal injury or car accidents in Spain — the baremo system, insurance claims, medical reports and your rights as an expat.
Spain has a unique personal injury compensation system based on the "baremo" — a standardised scale that determines the amount of compensation for different types of injuries.
The Spanish Baremo System
The baremo (Ley 35/2015) is a comprehensive compensation scale covering:
- Basic personal damages: Based on injury severity and recovery time
- Specific personal damages: Including surgery, physiotherapy, ongoing treatment
- Patrimonial damages: Lost income, loss of earning capacity
Car Accident Claims
Spain operates a mandatory motor insurance system. After an accident:
1. Call emergency services (112) if anyone is injured
2. Exchange details and complete the accident report (Declaración Amistosa)
3. Take photos and gather witness details
4. Report to your insurance company within 7 days
5. Seek medical attention and keep all records
Medical Reports
The strength of your claim depends on medical evidence. You should:
- Visit the hospital immediately after the accident
- Follow all prescribed treatments
- Keep records of all medical visits
- Get a forensic medical report (informe médico forense)
Time Limits
You have 1 year from the date of injury (or final medical discharge) to file a claim. Don't delay.
Insurance Company Tactics
Insurers often offer quick settlements well below what you're entitled to. A personal injury lawyer ensures you receive fair compensation.