In general terms, it can be affirmed that any hypothesis of accident make the person responsible (and the obliged party) pay a compensation to the victim. According to the art. 2054 c.c. in fact “The driver of a vehicle without a rail guide is obliged to compensate the damage caused to people or things by the circulation of the vehicle, if it does not prove to have done everything possible to avoid the damage. In the event of a collision between vehicles, it is presumed, until proven otherwise, that each driver also contributed to the production of the damage, suffered by the individual vehicles. The owner of the vehicle, or, in his place, the usufructuary or purchaser with a private domain agreement (1523), is jointly and severally liable to the driver, unless he proves that the vehicle was driven against his will. In any case, the persons indicated in the preceding paragraphs are responsible for damages deriving from construction defects or vehicle maintenance defects “.
In case of an accident between motor vehicles, each driver must promptly report the accident to his insurance company in order to open the claim and be able to subsequently request compensation for damages. The applicability conditions of the direct compensation procedure, provided for by the art. 149 cod. insurance, are the following ones:
- the accident must relate to a collision between two vehicles;
- both vehicles must be registered and insured in Italy;
- the injuries suffered by the driver are minor or those that fall within 9% of permanent biological damage.
All instances that do not comply with the aforementioned conditions of applicability, cannot be admitted to the direct compensation procedure, but must necessarily, pursuant to art. 148 cod. insurances, address the claim for compensation to the insurance company of the person who caused the accident. With the support of the law firm, depending on the incident that has occurred, the insurance company will be able to compensate the following types of damages:
a) Material damage;
b) Personal injury (financial loss, biological damage, total or partial disability);
In return, these two types of damage are subdivided into other compensable items:
a) Moral damages;
b) Damages due to the loss of earnings because of the impossibility of carrying out work activities;
c) Damage caused by failure to use the vehicle;
d) The reimbursement of all the expenses deriving from the claim (medical fees, transport costs of the vehicle, as well as the legal expenses in case of closure of the dispute with the Insurance Company, without resorting to the Court).
With regard to the assessment of the damage described above, the SJG Avvocati a Bologna Office avails itself of the assistance of qualified forensic doctors, the consultancy of engineers and technicians for CTP, where the dynamics underlying the accident are difficult to ascertain – or disputed by the other party – and how much it should still be necessary for the complete investigation of the claim always aimed at full customer satisfaction.