Imagine you’re in a traffic accident. Amid the pain and confusion, one question arises: who’s going to pay for all this? The answer—though few know it—lies in a unique system that in 2024 allocated €400 million to support road accident victims.

The so-called “Traffic Accident Compensation Scale” is an unfamiliar but vital tool that ensures everyone is treated fairly. But what exactly is it? It’s a system that determines how much compensation a person should receive based on the damage suffered—from temporary injuries to permanent aftereffects or death.

Before it existed, compensation for the same injury could vary widely depending on the judge or other circumstances. Today, thanks to the scale, if two people suffer similar injuries, they receive equivalent compensation—regardless of where the accident occurred.

Since 2016, when the law was updated, compensations have improved significantly: 50% more in case of death, 35% more for permanent injuries, and 12.58% more for temporary injuries. Most importantly, these compensation tables are not frozen in time—they are reviewed and updated annually to reflect the current economic and social context, ensuring the amounts retain real value. Additionally, the circle of beneficiaries has expanded to include domestic partners and close relatives like siblings.

The system considers not only physical harm but also economic impact: lost earnings, the value of domestic work, and even future opportunity loss for minors or students.

Behind these €400 million is a network of 1,486 healthcare centers ready to provide victims with quick and effective care, reflecting the insurance sector’s commitment to road safety and quality care.

Insurance is much more than a contract; it’s a key pillar of social protection that helps us rebuild our lives in our most difficult moments.