Alarm Status: Does Car Insurance cover me if I have a claim?

The entry into force of the state of alarm to stop the spread of COVID-19 has generated doubts among drivers and has fed hoaxes about Insurance that we want to deny. It is important that all Car Insurance customers in Spain know that the insurer maintains the vehicle’s coverage during the alarm state, in the same conditions as always.

The health crisis caused by the coronavirus has caused the Government to decree a state of alarm and impose restrictions on mobility that affect all citizens.

But this exceptional and temporary situation does not modify the protections offered by Automobile Insurance, both in its Third Party Insurance modality and in the rest of the guarantees.

A situation as exceptional as the one we are experiencing does not affect the coverage of Third Party Insurance. If we have a hit with another car and we are responsible for the incident, the insurer will respond with the Compulsory Civil Liability coverage in the same conditions as before the state of alarm.

Moreover, the Compulsory Insurance does not exclude its coverage if the incident occurs outside of the cases provided for in the Royal Decree in which the state of alarm is declared.

In other words, the insurer will cover the incident, even if it occurs when the insured driver is responsible for a claim produced in a trip outside the cases authorized by the State of Alarm Decree. This is not among the compulsory insurance exclusions.

In that case, the Car Insurance covers the incident; but what the insured will not get rid of is the penalty that may be incurred for driving on the road outside of the cases of need established in the state of alarm.

And beware, failure to comply with the state of alarm carries significant penalties that range from fines of 100 to 600,000 euros or imprisonment of three months to one year , depending on the severity of the offense. Come on, that is not to be taken as a joke.

In the rest of the Auto Insurance coverage, the guarantees are maintained with the same effectiveness as when there was no health crisis or a state of alarm to stop the coronavirus.

It is important to take this into account because on days like these there are many hoaxes in the networks that maintain that Insurance does not cover car accidents during the pandemic.

So much so, that the employers of the UNESPA insurers have had to deny it in the media and on their social networks: Car Insurance covers their policyholders during the state of alarm.

In short, if we have a problem on the road during these difficult days, we can count on the support of our Auto Insurance.

Even in this health emergency situation due to the coronavirus, the insurer maintains the coverage contracted in the conditions established by the policy, whether we have to call the tow truck and they provide us with Travel Assistance, or if we must notify the Damage Insurance Own or give a report for any other incident.

And as we pointed out before with the Mandatory Insurance, claims that occur in violation of the measures adopted by the Government, although they may be subject to administrative sanction, do not exempt from compliance with the obligations assumed by the insurer in the Insurance contracts, as established in the conditions of the policy.

If something happens to us when driving the car in a state of alarm, the Insurance protects us as always.

First of all, we must all understand the gravity of the situation and the reasons why these restrictions have been imposed on the mobility of people.

The economic and social consequences of measures like this are enormous, but it is essential that we all take responsibility and strive to comply with them to stop the coronavirus pandemic that threatens everyone’s health and our economy as soon as possible.

The sooner we manage to stop the spread curve of COVID-19, the sooner we will return to normal. Therefore, if it is not absolutely essential to take out the car, it is best to stay at home.

However, many drivers find it necessary to move, even in a state of alarm. If that is your case, you should know that the situations in which citizens can go out and circulate have been limited.

The State of Alarm Decree lists the situations in which it is allowed to circulate in private vehicles on public roads:

  • Acquisition of food, pharmaceuticals, and basic necessities.
  • Assistance in health centers, services, and establishments.
  • Travel to the workplace to carry out their work, professional, or business service.
  • Return to the place of habitual residence.
  • Assistance and care for the elderly, minors, dependents, people with disabilities, or especially vulnerable people.
  • Travel to financial and insurance entities.
  • Due to force majeure or situation of need.
  • To refuel at gas stations or service stations.

In addition, it establishes that when we go out on the street to carry out any of these activities, we must do it individually, unless we take people with some kind of disability or for another just cause in the vehicle.

For example, if we have to take a sick child to the pediatrician or we have to bring an elderly person in the car to receive medical treatment, no one is going to find us.

There are situations in which we have no choice but to take the car, it is true. But if you can avoid it, if you can avoid going out, you will be doing a favor to all of society. Stay home for the good of all.