Home - Claim Public Liability

Help! I've been held liable! What do I do now?

• You can open and track a damage file yourself through the Mi Zurich app. Haven't installed the app yet? You can find more information about the Mi Zurich app at: https://azul.zurich.es/mizurich/app/sec/login?lang=nl_NL
• If you encounter technical issues when installing the Mi Zurich App, call: (0034) 917 549 900, choose option 1, and request an IT specialist who speaks English. Or email in English to: zurichsoporte@zurich.com

• You can also call the specialized Zurich claims team for foreign clients: (0034) 933 660 777. They can assist you in English, French, German, or Spanish, depending on your preference (sometimes through interpreters).

• Would you prefer us to report the damage to Zurich? Then please send us an email at siniestros@grupoxandra.eu  

Here's some information about the Liability Guarantee in your policy.

When a third party is holding you responsible for physical or material damage, please read this carefully.

What to do in case of a damage claim related to Legal Liability?

Considering that Legal Liability is a delicate subject, we'd like to inform you about it in detail.

A Liability Insurance (also known as Liability Insurance) is a policy that protects the insured against the risk of liability. With a few exceptions, a liability insurance usually covers bodily injury and property damage caused by the insured. Intentionally caused damage, damage consisting solely of financial loss, and damage to rented items are typically not covered.

What is Legal Liability?

Legal Liability can arise when someone causes damage to the persons or property of others. To be legally liable, a person must have been negligent in the action that caused the damage.

The legal grounds for this liability are found in the law and are described as legal obligations.So, it's the law that determines whether someone is liable or not, not the victim.

In the case of a damage claim due to Legal Liability, an independent expert will examine the data, and if deemed necessary, will advise the insurance company to go to court and leave the decision to the judge. For this reason, it's very important that we prepare the requested information/documentation carefully and accurately represent the real facts.

This makes the work of the expert (and the judge if needed) easier.

What do we need?

• A signed letter from the policyholder, stating their passport number/identity card number/NIE number, with a detailed description of their version of events.
• A copy of the passport/identity card/NIE number of the policyholder.
• A signed letter from the victim with a detailed description of their version of events and what they are claiming from our client. This should include their passport number or identity number as well as their contact details (phone, address).
• A copy of the passport/identity card/NIE number of the victim.
• Quote or invoice for the repaired object (in case it cannot be repaired, quote or invoice for the new object replacing the destroyed one).
•  In case of bodily injury: an overview of the costs and the amount claimed by the victim.
• Details of potential witnesses: full name, ID/passport, phone number, address.
• Keep the destroyed object for the expert's visit. If possible, take photos of the damaged object and send them in advance. This will expedite the expert's work.
• If applicable, original invoice, proof of purchase... of the damaged object to prove the victim's ownership. If it's damage caused by your dog, also provide the dog's passport and vaccination card.

Please mind that an insurance invoice should include the following information:

• NIF/CIF of the repair service and policyholder's name
• Invoice number and invoice date
• Total amount, gross, net, and tax percentage

The invoice must also meet the following conditions:

• The format of the invoice must not be editable (Word, Excel, etc. documents are not suitable).
• The address must match exactly with the one mentioned in the policy, including street name, house number, postal code, and municipality.

Please provide us with these documents as soon as possible, as this will help us provide a quick response to your damage claim.

As you understand from the above, Liability damage is more complicated than other types of damages.

Therefore, the victim must take the initiative to claim the damage against you, preferably through their insurance with legal assistance coverage.

Without a signed claim from the victim, we cannot open a file. Please send us the above information as soon as possible.

We hope this information has been useful.

Thank you for trusting GrupoXandra.