Vehicle and property damage after a road accident
A property-damage claim should evidence the vehicle condition, repair cost or economic loss and the causal link between the expenses and the accident.
Who it is for
- Owners of damaged vehicles or other property.
- People who incurred additional evidenced costs because of the accident.
Main requirements
- Document damage before repair where possible.
- Obtain estimates/expert assessment and keep invoices.
- Do not finally settle without reviewing all material-loss heads.
Documents
- Photographs, repair estimate/invoice and expert report.
- Vehicle and ownership documentation.
- Towing, storage, replacement transport or other expense receipts.
How it works
- Document and value damage.
- Compare insurer assessment with repair/loss evidence.
- Submit a documented claim and negotiate.
- Agree repair/amount or assess further action.
Frequently asked questions
What if the insurer declares the vehicle a total loss?
The vehicle value, salvage value and economic reasoning behind the proposal should be checked alongside the actual evidenced expenses.
Can towing costs be claimed?
Necessary, documented costs causally connected with the accident should be included for assessment.
Official sources
Reviewed: 20/08/2026
Road traffic accidents
Personal injury compensation after a road accident
Medical evidence, temporary injury, sequelae and accident-related expenses.
ReadInsurer reasoned offer after a road accident
Review of the insurer’s reasoned offer/response and compensation calculation.
ReadAccident with an uninsured or unidentified vehicle
Assessment of possible compensation through the Consorcio de Compensación de Seguros in statutory cases.
ReadOut-of-court road accident claim
Preparing a claim, negotiating with the insurer and seeking settlement without initially going to court.
Read