Please note: The actual biological damage must always be ascertained by a medico-legal expert. If you already have a medico-legal report, you can enter the exact points; otherwise, you can use the quick estimate.
Frequently Asked Questions about Car Accident Compensation
Micro or Macro-injuries: how is damage calculated?
In road accident cases, the severity of the injuries changes the calculation rules. Micro-permanent injuries (from 1 to 9 disability points, such as the classic "whiplash") are calculated with amounts set by Art. 139 of the Insurance Code. For Macro-permanent injuries (from 10 to 100 points, more severe injuries), from 2025 the National Unique Tables (TUN) apply by law, guaranteeing higher base amounts and greater possibility for personalization.
What happens if I was a passenger (Third-party transported)?
The law (Art. 141 of the Insurance Code) strictly protects the passenger. The "third-party transported" has the right to be compensated always and quickly directly by the insurance company of the vehicle they were traveling in, regardless of who caused the accident or the fault dynamics between drivers.
How much time do I have to claim compensation?
For damages deriving from vehicle circulation, the right to compensation expires in 2 years from the day of the accident (a much shorter time compared to general liability). However, if the accident caused injuries that constitute a crime (e.g., severe road traffic personal injuries), the statute of limitations is extended to coincide with that provided for the criminal offense.