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Insurance in Spain Car Insurance

Making an Insurance Claim on Your Car

June 7, 2024

We’re all aware that safety should be placed at the forefront of our driving ethos, and we can indeed adhere to this personally, but unfortunately, we’re unable to vouch for everyone else on the road. Did you know that  statistics released by the National Department of Traffic (DGT) showed that there were 1048 fatal traffic accidents in Spain in 2023, causing 1145 fatalities and another 4495 hospitalizations? Aside from these tragic incidents, a wide range of other car-related misfortunes can occur that are unfortunately out of our control: damaged windscreens, robbery, fire, mechanical breakdown, and lots more. This demonstrates why car insurance is not only required by law, but also necessary when it comes to making an insurance claim on your car to cover the repair or replacement costs. If you’re a Caser Car Insurance policyholder and wondering how to file a claim, read on - we break down the process you’ll need to follow.

girl happy about making an insurance claim on her car

Step 1 - Gather evidence

In the event of an accident involving another vehicle, gather as much evidence as possible, including the number plate of the other vehicle and the driver’s name and surname, ID number, and even photographs of any damage that was caused. Normally, you can rely on the cooperation of the other driver involved in the accident, however, exceptions may occur. If you fail to reach an agreement with the other driver, you should contact local authorities so that a police report can be drawn up. In case of an accident, to quickly contact the police or the Guardia Civil, remember that in Spain you must call 112.

Step 2 - Contact Caser

Every insurance company has their own administrative procedures in place for making an insurance claim on your car. In the case of Caser, you can notify us through any of the following means:

Over the phone

· You can call our customer service line on: +34 91 055 16 55. This number is available 24 hours a day thanks to the roadside assistance service.

· In addition, if you need to contact us from abroad, you can do it through this number:+34 91 594 94 22. This service is available 24 hours a day.


· By filling out our Customer Service Form (in English) so that one of our agents contact you as soon as possible: https://www.caserexpatinsurance.com/contact-us-buy-insurance-online

· You can also quickly and conveniently log in to your Customer Area with your personal details and fill out the appropriate form corresponding to the type of incident.

· Or, if you prefer, you can also contact us through the Caser insurance app for iPhone and Android. You can download it at this link.

Bear in mind that the Customer Area on the website and app are only available in Spanish, so if you don’t feel confident enough with your level of comprehension, it might be a good idea to ask a friend to help you out.


If you prefer, by directly contacting your insurance broker on the telephone number provided in your policy or by searching for his or her details on our Caser Insurance Broker Finder.

It is important you have your details (or the driver’s details if you were not behind the wheel) and policy number at hand to facilitate the process. Provide as much information as possible so that we can determine if your policy covers you for this particular loss.

couple making an insurance claim on their car

What happens if I don't have Caser insurance yet?

In case you do not yet have this insurance, I recommend that you take a look at Extended Third Party Car Insurance. It has currently the most complete insurance coverage, with basic coverages that we all need (compulsory civil liability, personal damages, legal defence, etc.) and optional coverages, such as the replacement car or the reinstatement of the driver's license.

In any case, please remember that you can always consult our price calculator  to calculate the price of your policy and confirm that the insurance adapts to your needs in less than one minute.

Final Step to making an insurance claim on your car - Documentation

Once you have spoken to Caser and initiated the process for making an insurance claim on your car, you will need to gather the necessary documents to support your claim and submit them to Caser. Depending on the type of incident, this may include a police report (from the scene of the accident), the other driver’s details, any medical bills or photos documenting the damage to your car. Don’t worry, though, Caser will fully inform you on what you need to provide.

The process to file an insurance claim on your car can seem daunting at first, especially if you’ve just had an accident, but the key is to get the ball rolling straight away and gather as much evidence as you can. This provides us with the full picture so that we’re able to assess your situation and whether or not compensation applies. Further information on our car insurance policies here.

When we talk about traffic accidents, we often talk about figures that can sound abstract and alien to us. But unfortunately, these figures reflect real accidents that happen every day, both on the road and in the city. And many times, these accidents are avoidable, as many of them are caused by distractions at the wheel due to the cell phone or falling asleep due to the lack of the necessary rest. Prevention will always be our best card in the face of traffic accidents. But when these accidents inevitably occur, it will be important to have a car insurance that will give us the necessary peace of mind, and to know which are the steps in order to make an insurance claim on your car.

We hope we have helped you with this short guide, including all the steps to follow in the event of a traffic accident. Beyond this, please don't forget to contact us with any questions you may have related to this subject. We will be happy to help you with the whole process.

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