Car accident

Had an accident? Follow these steps.

Stay calm and take it one step at a time. If you have questions, talk to us. We will help you handle the process.

Anyone injured or in danger? Call 112 Send us an email
  1. 1

    Get to safety

    Turn on your hazard lights. Put on the reflective vest before getting out of the car and set up the warning triangle. If anyone is injured, call 112 and do not move them unless they are in immediate danger.

  2. 2

    Call the police if needed

    Ask the police to come if:

    • anyone is injured;
    • you cannot agree on what happened;
    • the other driver does not show proof of insurance.
  3. 3

    Collect the details

    • Names and contact details of the drivers.
    • Number plates of the vehicles.
    • Insurer and policy number. They are on the green card, which you can ask the other driver to show you.
    • Names and contact details of any witnesses.

    Always keep your green card at hand: printed in the car or in digital form on your phone. If you have a Chave Móvel Digital and the car is yours, you can also keep it in the gov.pt app.

  4. 4

    Take photos

    Photograph the damage, the number plates, the position of the cars and the place of the accident. The more photos the better, especially if you do not agree on what happened.

  5. 5

    Fill in the Accident Statement (Declaração Amigável)

    If you agree: fill in and sign the same statement, on paper or in the e-Segurnet app. Each driver keeps a copy.

    If you do not agree: each driver fills in their own. Do not sign anything you do not agree with.

    Very important, make sure you fill in:

    • The exact place and time of the accident.
    • The circumstance boxes, ticked on each vehicle’s side, A and B.
    • The total number of ticked boxes on each side, at the bottom. That way no one can add ticks later.

    Filling in the statement does not mean admitting fault.

  6. 6

    Send us everything on the same day

    Email the statement and the photos to segurosgamboa@segurosgamboa.pt. The accident must be reported to the insurer within 8 days at the latest. Talk to us before you repair the car.

Car won’t move?

If your policy includes roadside assistance, ask the insurer directly for a tow truck.

Find the number on your green card and call it. Each insurer has its own number, so always check your green card before calling.

If you cannot find it, talk to us.

What happens next

2 working days
The insurer has this time to contact you and book the damage assessment.
32 working days
Maximum total time for the insurer to decide on liability when there is only damage to property. With the Accident Statement, the time is shorter.
45 days
Time to decide if anyone was injured, counted from the compensation claim.

These are maximum times and may be extended in exceptional situations, such as suspected fraud or extreme weather.

Talk to us

Call the person who usually handles your insurance.

Liliana Gamboa
Call to a Portuguese mobile network962 852 520
Victor Cardiga
Call to a Portuguese mobile network967 604 288
Rui Cardiga
Call to a Portuguese mobile network964 849 844
Emailsegurosgamboa@segurosgamboa.pt

General information, based on the ASF brochure «Acidente Automóvel» (Car Accident). It does not replace the conditions of your policy.