July 26, 2021

Does the insurance cover traffic accidents in alarm?

Social networks have been filled in the last hours with a hoax that warns that insurers do not assume responsibility in all cases

In the last few hours messages have begun to circulate on social networks and instant messaging chats pointing out that insurance policies may not cover traffic accidents suffered during the validity of the alarm state if it is not proven that the displacement was for any of the reasons authorized by the Government.

However, this statement is simply one of the hoaxes that circulate these days on the internet. Unespa, the association that brings together the main insurance companies in Spain, has confirmed to LA RAZÓN that automobile insurance policies have not changed with the exceptional decree established by the Executive of Pedro Sánchez and, therefore, the rumors are unfounded that the companies will not respond in case of accidents or traffic accidents. Since Mutual Madrileña They confirm that it is a hoax and point out that nothing is included in the contracts regarding the current situation.

It should be borne in mind that RD 463/2020 allows circulation on public roads for the following activities:

a) Acquisition of food, pharmaceuticals and basic necessities.

b) Assistance to health centers, services and establishments.

c) Travel to the workplace to carry out their work, professional or business provision.

d) Return to the place of habitual residence.

e) Assistance and care for the elderly, minors, dependents, people with disabilities or especially vulnerable people.

f) Displacement to financial and insurance entities.

g) Due to force majeure or need.

h) Any other activity of a similar nature that must be done individually, unless accompanied by people with disabilities or for other justified cause.

The same text also specifies that “likewise, the circulation of private vehicles on public use roads will be allowed for the activities referred to in the previous section or for the refueling at gas stations or service stations ”. That is, the field of use of a car in this provision is so wide that any driver can claim that he was moving with his car to any of the above assumptions, so it would be impossible to claim misuse of the vehicle by any insurer. and thus avoid paying the damages.


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