Frequently Asked Questions about Protection for Medical Expenses, Disability and Mobilization

  • Does the SPPAT investigate the consequences of the accident, and does it not pay the protections in case of the culprit of the accident?

The SPPAT is the universal protection guaranteed to each and every citizen who circulates on public roads in the national territory. Your payment is made without distinction of fault or of any other type in the event of a traffic accident, but you have the ability to repeat payment when a culprit of that accident is pointed out.

  • Can a clinic or hospital deny care to a patient, victim of a traffic accident?

No, the regulations establish that it is mandatory to attend to the victims of traffic accidents. There are sanctions contemplated in the Organic Health Law if this is not respected.

  • Can you collect the amounts paid for care in hospitals and private clinics paid by relatives and victims in the event of a traffic accident?

Although the law states that public and private hospitals must submit to the SPPAT the amounts spent for the care of victims, patients can submit invoices for medical expenses, duly justified, for the reimbursement of their expenses.

  • If the amounts for medical care received in a clinic or hospital do not exceed the SPPAT protection amount, can I receive the remaining amount?

No, the amount stipulated for the protection of medical expenses is an established quota to pay the protection based on justifications that are presented (bills of expenses and documentary evidence).

  • Can invoices that are in the name of family or friends be collected?

The invoices to the names of third parties must be justified by means of a letter that explains the circumstances; In the Clinical History it will be possible to verify if the expense corresponds to the patient.