It is obligatory for all drivers in Portugal to have, at least, third party insurance.
The procedure in the event of a road traffic accident in Portugal depends on the severity of the accident, whether there are injuries and if it is necessary for the police to be involved.
In the event of a minor accident with no injuries the parties involved must exchange details and make a declaration of events. This will form the accident report submitted to the insurance companies. If the parties involved do not agree on a version of events, do not sign any documentation.
The police do not usually need to be involved, although it may be helpful for insurance purposes to go to the nearest police station and fill out an accident report form. The police will want to see all vehicle documents.
In a major accident all involved parties are required to make out a report to the police and fill out and sign an accident report form. The police will want to see all documents and may make charges of driving offences. If you suspect the other driver has been drinking or taking drugs inform the police.
The insurance form (usually in the insurance documents policy wallet) called a DAAA or Declaração Amigável (Friendly Agreement) is straightforward and is completed and signed by both parties and forwarded to each one's insurer.
The Folheto Participação de Sinistro (Não Amigável) Non-Friendly Accident Claim Form should be completed when there is not agreement and forward to the insurer. Most insurance companies have an 800 Blue Line telephone number to call immediately after an accident, whereupon they can advise on the necessary steps to take.
Included in the accident report are the following details:
Note: You have up to two months to bring charges against other parties involved although a court case in Portugal can be a lengthy process that can take years to settle. Most disagreements of this nature are therefore settled out of court.
In the case of a severe or large accident police generally arrive within 30 minutes (in urban areas) of the accident.
Note: At the end of 2008 the GNR Police Traffic Brigade (Brigada de Trânsito) was dissolved and replaced by the new National Traffic Unit (Unidade Nacional de Transito, UNT) which is the GNR body responsible for road traffic patrol and safety. This came into force in January 2009.
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