Is there a specialist accident lawyer in Portugal?
The Portuguese Bar awards no title of specialist car accident lawyer or specialist workplace accident lawyer. Four criteria for choosing.
A civil liability lawyer supports those who have suffered harm through someone else's fault or through the risk of another's activity, from the claim brought against the liable party or the insurer to the civil liability action in court. The lawyers at NAA act for injured parties in Lisbon and across the country, claiming fair compensation for pecuniary and non-pecuniary loss.
This page is general and informative in nature, covering the civil liability regime set out mainly in the Código Civil. Every case is unique and these texts are only an introduction, which should not be taken as guidance for the handling of your particular case.
Always consult a lawyer so that your rights are properly defended.
A civil liability lawyer assesses whether the requirements of civil liability are met, gathers evidence of the act, the fault, the harm and the causal link, puts the liable party or the insurer on notice and conducts the action in court when there is no agreement. This is the work many people search for online as a "compensation lawyer". As for a "compensation specialist lawyer", however sought-after the phrase may be, it is not a title granted by the Portuguese Bar Association. For your case, what matters is less the title than proven practice in these proceedings and the care taken in preparing the evidence.
The lawyers at NAA handle civil liability compensation claims in Lisbon and across the country, drawing on medical and technical experts when the case calls for it. In our experience, the difference is made by evidence gathered early, before photographs, reports and witnesses are lost. Book an appointment or meet the team.
Civil liability is the obligation to make good the harm that one person causes another. The guiding principle is that of restoring the previous situation. Compensation must, as far as possible, place the injured party in the situation they would have been in had the harm not occurred (art.º 562.º do Código Civil). Where restoration in kind is not possible or not enough, compensation is paid in money.
Unlike criminal law, which punishes the wrongdoer, civil liability looks to the injured party and to making good the harm they have suffered. For this reason, a single event may give rise, at the same time, to criminal proceedings and to a civil claim for compensation.
There are two main sources of civil liability:
The distinction matters, in particular, for the purposes of the burden of proof and the limitation periods.
For an obligation to compensate to arise on the basis of an unlawful act (art.º 483.º), five requirements must, as a rule, be met:
Failing a single requirement can compromise the right to compensation. Evidence is decisive and this is where legal support makes a difference.
In certain cases, the law imposes the obligation to compensate regardless of fault. This is known as strict liability, or liability based on risk (art.º 499.º and following). A person who creates a source of danger or draws benefit from it is liable for the harm that results. Examples include:
Dangerous activities, by their nature or by the means used (art.º 493.º, n.º 2), follow a rule of their own. Liability still rests on fault, but the law presumes it. It falls to the person carrying on the activity to rebut that presumption, by showing that they did everything the circumstances required to prevent the harm.
A person may be liable for harm caused by someone else. The most common cases:
Harm resulting from medical error or negligence may give rise to civil liability, whether contractual (the relationship with the doctor or clinic) and/or non-contractual. A poor outcome is not enough. There must be proof of a breach of the leges artis (the accepted standards of good medical practice) and of the link between that conduct and the harm. This is technically demanding evidence, which is rarely established without a medical expert working alongside the lawyer.
Beyond the civil route, the same event may give rise to disciplinary liability before the Portuguese Medical Association (Ordem dos Médicos). In that forum, the relevant specialty college may be called upon to intervene, to assess whether or not there was a breach of the leges artis.
Keep all your clinical records. In any potential medical negligence claim, reports and expert opinions are the essential evidence.
Compensation is not limited to the expenses you have already paid. The duty to compensate covers the loss caused and also the gains the injured party would otherwise have made (art.º 564.º). Before accepting any amount, confirm with a lawyer that none of these items has been left out.
Compensation is available for harm that, by its seriousness, warrants the protection of the law (art.º 496.º): pain, suffering, distress, disfigurement, loss of quality of life. The amount is set by the court on an equitable basis, that is, according to what is fair in the circumstances.
The courts increasingly recognise biological damage (the impairment of bodily and functional integrity) as a head of loss in its own right, that is, harm to the body or mind in itself, recoverable even without a direct loss of income.
Civil compensation is, as a rule, calculated by restitution in kind of the situation before the harm. Where this is not possible, does not fully repair the harm or is excessively burdensome for the debtor, compensation is set in money (art.º 566.º). The amount is measured by the difference between the injured party's actual financial position and the one that would exist without the harm. For non-pecuniary loss and future harm, the court makes an equitable assessment.
Compensation may be reduced in two typical situations. One is fault on the part of the injured party, where they themselves contributed, through their own fault, to the harm (art.º 570.º). The other arises where liability rests on mere fault (negligence, without intent). In that case, the court may set the compensation, on an equitable basis, at an amount below the harm, weighing the degree of fault, the financial position of the wrongdoer and of the injured party and the other circumstances of the case (art.º 494.º).
Even with partial fault there may be a right to compensation, in proportion to each party's share of responsibility.
In non-contractual liability, the right to compensation is subject to a limitation period of, as a rule, 3 years from the date on which the injured party became aware of their right (art.º 498.º), even if they do not know who is liable or the full extent of the harm. There is, however, a long-stop limit, the ordinary limitation period, running from the very event that caused the harm. If the event constitutes a crime with a longer limitation period, that longer period applies. In contractual liability, the ordinary period of 20 years applies (art.º 309.º).
Do not let your right lapse. As a rule it is only 3 years.
A claim for compensation may begin out of court, by sending the liable party or their insurer a letter of claim, setting out the grounds and enclosing the supporting documents. If there is no agreement, the claim proceeds to court, by way of a civil liability action in which the injured party sets out the facts, the harm and the compensation claimed. In actions worth more than 5,000 euros, instructing a lawyer is mandatory.
Where the harm results from a crime, the civil claim for compensation is, as a rule, brought within the criminal proceedings themselves (the principle of adhesion). An injured party who has expressed that intention has 20 days after being notified of the indictment to submit the claim (art.º 77.º do Código de Processo Penal).
Success depends heavily on the evidence: documents, witnesses, technical and medical assessments. Gather and keep everything that may prove the act, the fault, the harm and the link between them.
The State and other public bodies are civilly liable for harm resulting from the exercise of their functions, under Lei n.º 67/2007 (the regime governing the non-contractual civil liability of the State and other public bodies, Regime da Responsabilidade Civil Extracontratual do Estado e Demais Entidades Públicas). This covers, for example, harm from poorly maintained public roads, unlawful administrative acts or errors in the provision of healthcare in public hospitals.
The producer is liable, regardless of fault, for harm caused by defects in their products, under Decreto-Lei n.º 383/89. This is a form of strict liability designed to protect the consumer. It falls to the injured party to prove the defect, the harm and the link between the two. In certain cases, which the law lists, the producer may exclude liability and not all harm is covered (arts.º 5.º, 8.º and 9.º of the same statute). The right is subject to a 3-year limitation period and, as a rule, lapses 10 years after the product is put into circulation (arts.º 11.º and 12.º).
Discuss my caseThe information on this page is purely informative and general in nature; it is no substitute for individual legal advice, nor does it constitute any commitment as to the outcome of a particular case. The legal references relate to the Código Civil and to the legislation in force at the time, and may vary depending on the circumstances of each situation. NAA — Sociedade de Advogados.
Knowledge
Myths, real-life situations, frequently asked questions and definitions, organised so you can find them quickly.
"There is compensation only if there was an intention to cause the harm."
Fault can consist of simple negligence and does not require intent (dolo).
"Without fault there is never any liability."
Under strict liability a person is liable even without fault.
"If I am at all at fault, I get nothing."
Compensation may be reduced or even ruled out, depending on the seriousness of each party's fault and its consequences (art.º 570.º).
"A company is not liable for its workers' mistakes."
The principal is liable for the damage caused by the person it engages to carry out a task (art.º 500.º).
"Non-pecuniary (moral) damage cannot be compensated."
Serious non-pecuniary damage can be compensated (art.º 496.º).
"I can only claim expenses I have already paid."
Both damage already suffered and foreseeable future damage are recoverable, such as loss of earnings or the cost of prolonged treatment (art.º 564.º).
"A poor medical outcome is always negligence."
You have to prove a breach of good practice (leges artis) and the causal link.
"There is nothing to be done against the State."
The State can be held liable under Lei n.º 67/2007.
"I always have 20 years to claim."
In non-contractual liability the period is, as a rule, 3 years.
"Where there is a crime, the deadline to seek civil compensation is the same."
Where the act constitutes a crime with a longer limitation period, that longer period applies to the compensation claim (art.º 498.º, n.º 3).
"Once I have signed an agreement, I can no longer claim anything."
With a full and final settlement, the matter is, as a rule, closed. If the agreement did not cover certain damage or was obtained through a defect of consent, such as mistake or duress, there may still be scope to claim.
"To be compensated I really have to go to court."
In our experience, many compensation claims are settled by agreement, without any court proceedings. Court proceedings tend to be reserved for cases where liability is denied or the offer falls short of repairing the damage.
Common situations. See whether, as a rule, civil liability and compensation arise. Filter by the answer.
A plumber botches a repair and my home is flooded.
Yes, as a rule there is liability. Breach of contract with resulting damage.
A neighbour carelessly breaks my window with a ball.
Yes, as a rule there is liability. An unlawful act committed negligently (art.º 483.º).
My neighbour's dog bites me in the street.
Yes, as a rule there is liability. Whoever has the animal in their care is liable, whether for a failure to supervise it (art.º 493.º) or on a strict-liability basis where the harm results from the special danger of its use (art.º 502.º).
I fall on a public pavement that is full of holes and poorly maintained.
Yes, as a rule there is liability. The authority responsible for the pavement is liable for failing to maintain it.
An employee of a company damages my car in the course of their work.
Yes, as a rule there is liability. The company is liable for the acts of the person it engages (art.º 500.º).
A surgical error, contrary to good practice, leaves me with lasting effects.
Yes, as a rule there is liability. Once a breach of the leges artis is proven, the duty to compensate arises.
A product with a manufacturing defect leaves me with a burn.
Yes, as a rule there is liability. The producer is liable regardless of fault (Decreto-Lei n.º 383/89).
A false news story publicly defames me.
Yes, as a rule there is liability. Breach of personality rights, with non-pecuniary damage.
Building work next door causes cracks in my wall.
Yes, as a rule there is liability. The owner of the works or the contractor may be liable for the damage caused to the neighbouring building.
An unlawful administrative act by a municipality causes me loss.
Yes, as a rule there is liability. Public bodies are liable for the damage caused by unlawful administrative acts (Lei n.º 67/2007).
A child left unsupervised at school breaks a shop window while playing with a ball.
Yes, as a rule there is liability. The fault of whoever had the duty to supervise is presumed (art.º 491.º).
I suffer harm in a dangerous activity where proper precautions were not taken.
Yes, as a rule there is liability. In dangerous activities the fault of whoever carries them out is presumed (art.º 493.º, n.º 2).
A service provider discloses my personal data without authorisation.
Yes, as a rule there is liability. Breach of rights, with possible non-pecuniary damage.
I simply trip and fall, with no obstacle and no one else at fault.
No, as a rule there is no liability. There is no unlawful act and no fault of a third party.
I suffer a loss through an event of force majeure (e.g. a lightning strike).
No, as a rule there is no liability. There is no causal link with anyone's conduct.
A business venture goes wrong because of a risky decision I made.
No, as a rule there is no liability. The risk inherent in a venture falls on whoever takes it on.
I want to claim 10 years after becoming aware of harm caused outside any contract.
As a rule, the claim is already time-barred. The limitation period is, as a rule, 3 years from the moment the harm becomes known (art.º 498.º). Limitation does not make the liability disappear. It prevents it from being enforced, and the liable party may rely on it. There are longer periods where the act constitutes a crime, as well as grounds for suspension or interruption that can extend the time available.
A doctor is unable to cure my illness.
It depends on the specific case. There is liability only if there is a breach of good practice. A poor outcome, on its own, is not enough.
I slip on the wet floor of a supermarket.
It depends on the specific case. What matters is whether there was a failure to put up warning signs or a lack of care by the establishment.
I suffer harm that my own carelessness helped to cause.
It depends on the specific case. Compensation may be reduced for the injured party's contributory fault (art.º 570.º).
A friend lent me a faulty tool and I hurt myself.
It depends on the specific case. What matters is whether the friend knew of the defect and had a duty to warn.
An online post criticises my work.
It depends on the specific case. Freedom to criticise is protected. Only an unlawful attack on a person's honour gives rise to a duty to compensate.
I bought a product that broke down after the warranty ended.
It depends on the specific case. Once the warranty period has ended, a claim against the seller tends to be ruled out. If the defect causes harm to people or to other property, the producer may be liable (Decreto-Lei n.º 383/89).
I suffer a loss because of wrong advice from a professional.
It depends on the specific case. What matters is the breach of professional duties and the causal link with the harm.
It is the obligation to make good the damage that one person causes to another. Compensation seeks to place the injured party in the situation they would have been in had the damage not occurred.
As a rule, when the requirements are met: an unlawful act, fault (intent or negligence), damage and a causal link between the act and the damage. There are also cases of liability without fault (strict liability).
Contractual liability arises from the breach of a contract. Non-contractual liability arises from the breach of a general duty not to harm others, outside any contract. The distinction matters for proving fault and for the time limits.
No. Negligence (a lack of care) is enough. Intent (dolo) is not required, although it may affect the seriousness and the amount.
As a rule, it is the injured party who has to prove fault. Damage alone is not enough. It falls to them to prove the act, the unlawfulness, the fault, the damage and the causal link between the conduct and the loss, the requirements set out in art.º 483.º, n.º 1 do Código Civil. As to fault, art.º 487.º, n.º 1 expressly places that burden of proof on the injured party. There are exceptions. In cases where fault is presumed, such as in contractual liability or in the supervision of persons lacking capacity, it is for the responsible party to show that they were not at fault. There is also strict liability, in which a person is liable even without fault, on the terms and within the limits set by law.
It is the connection between the act and the damage. It must be proved that the act was, in law, an adequate cause of the loss. Without a causal link, there is no obligation to compensate.
There may still be strict liability. A person who creates or benefits from certain sources of danger (vehicles, animals, electricity or gas installations) may be liable even without fault, on the terms and within the limits set by law (arts.º 499.º e seguintes do Código Civil). For dangerous activities, by contrast, fault is presumed. Whoever carries them out is liable, unless they show that they took all the measures required by the circumstances to prevent the damage (art.º 493.º, n.º 2).
As a rule, yes. The principal who entrusts a task to another is liable for the damage that the agent (e.g. the employee) causes in carrying out the functions entrusted to them, provided that the agent is also under an obligation to compensate (art.º 500.º do Código Civil), without prejudice to the right of recourse.
You can. A person under a duty of supervision (parents, schools) may be liable, unless they prove that they fulfilled that duty or that the damage would have occurred anyway (art.º 491.º do Código Civil).
Yes. The civil compensation claim may be brought within the criminal proceedings themselves or in a separate civil action, depending on the case.
It is the conduct (by act or omission) that infringes another person's right or a rule intended to protect the interests of others. It is the first requirement of non-contractual (tort) liability (art.º 483.º do Código Civil).
It is the blame the law attaches to someone who could and should have acted differently. It covers both intent (dolo) and negligence (the lack of the care that can be required). Fault is assessed by the standard of a reasonably prudent person, in light of the circumstances of the case (art.º 487.º, n.º 2 do Código Civil).
It is the most serious form of fault. The person intends the harmful result or accepts it as a consequence of their conduct. It differs from negligence, where there is a lack of care but no intention to cause the harm.
It is the lack of the care the situation called for, without any intention to cause harm. As a rule, negligence is enough to hold the person who commits it liable, provided the damage and the link between the conduct and the loss are also proved. Proving that lack of care is often what decides the case.
It is the person who suffers the damage and who, where the requirements are met, may be entitled to compensation. It may be an individual or a legal person. In the event of death, the law grants certain family members a right of their own.
It is the setting of the amount according to a judgement of fairness in the specific case, when the exact figure cannot be established precisely. It applies, for example, to non-pecuniary damages (art.º 496.º, n.º 4 do Código Civil) and to future damages (art.º 566.º, n.º 3).
It is the right of the person who paid the compensation to then claim reimbursement from the party actually responsible for what they paid. For example, an employer who has compensated a third party may claim reimbursement from an employee who acted with intent (dolo).
It is the reparation that restores the situation to what it would have been had the damage not occurred, such as repairing the asset or returning what was taken. Only where that is not possible or is not enough is it converted into compensation in money (art.º 566.º do Código Civil).
It is the obligation to compensate even without fault, imposed on those who create or benefit from a source of danger. It covers, among others, animals used in one's own interest (art.º 502.º do Código Civil), land vehicles (art.º 503.º) and electricity or gas installations (art.º 509.º). For dangerous activities, by contrast, the Código Civil does not dispense with fault. It presumes it, and it falls to the person concerned to rebut that presumption (art.º 493.º, n.º 2).
It is the victim's own contribution to the damage. Where it exists, it may reduce or even exclude the compensation, according to how serious that contribution is (art.º 570.º do Código Civil).
It is the declaration in which the injured party acknowledges having received the amount and treats the matter as settled. A full and final settlement usually extinguishes the right to claim anything further, so it should be read carefully before it is signed.
It is the loss of the right to claim compensation because time has passed without it being exercised. In non-contractual liability, the general period is three years from when the injured party becomes aware of the right (art.º 498.º do Código Civil).
Pecuniary damages (losses with an economic dimension: the losses actually incurred and the profits lost) and non-pecuniary or moral damages (pain, suffering, distress, aesthetic damage).
Yes, provided that, by their seriousness, they warrant the protection of the law (art.º 496.º do Código Civil). The amount is set by the court on an equitable basis.
Actual losses are the losses already suffered (expenses, destroyed property). Lost profits are the gains you failed to obtain because of the damage.
It is the impairment of a person's physical and psychological integrity, compensable even where there is no direct loss of income (STJ ruling on biological damage).
The rule is to restore the previous situation. Where that is not possible, an amount in money is set, measured by the difference between the actual situation and the one that would exist without the damage. For non-pecuniary and future damages, an equitable basis is used.
It can, where the injured party contributed to the damage through their own fault (art.º 570.º do Código Civil) or where liability is based on mere negligence (art.º 494.º).
Yes. Foreseeable future pecuniary damage is compensable. Where the amount cannot be established precisely, it falls to the court to set it, weighing the specific case (art.º 566.º, n.º 3 do Código Civil).
Yes, when they result from the damage and are documented. Always keep invoices and reports.
In many cases it is the insurer that takes on the compensation, within the limits and cover of the policy taken out. Where the insurance is compulsory (motor, workplace accidents, certain professions), the injured party has someone to claim from even if the responsible party has no means. Where it is optional, everything depends on what the insured party contracted for, so it is worth establishing the content of the policy early. Beyond those limits, or where there is no cover, it tends to be the responsible party's own assets that have to meet the claim.
Yes, as a rule. Default interest runs from the moment the responsible party falls into arrears with payment. In compensation for an unlawful act or for strict liability, that delay arises, as a rule, upon service of the proceedings (art.º 805.º, n.º 3 do Código Civil). Include the interest in your claim, because after years of proceedings the accumulated amount adds up.
There is no binding scale. Non-pecuniary damages are set on an equitable basis, according to the seriousness of the injury (art.º 496.º, n.º 4 do Código Civil), so the amounts vary considerably from case to case (STJ ruling on non-pecuniary damages). In practice, what supports a higher amount is medical evidence of the concrete impact on the injured party's life.
A poor outcome, on its own, is not enough. As a rule, there is medical negligence when the conduct breached good medical practice (leges artis) and there is a link between that conduct and the damage. Analysis of the clinical records and a medical expert report are the starting point to confirm it.
Yes, under Lei n.º 67/2007, for example for poorly maintained roads, unlawful acts or error in public hospitals. The regime and the time limits have particular features. In a private hospital, liability follows the ordinary civil regime and is heard in the civil courts. In a hospital under a public-private partnership, the answer is less straightforward and has produced diverging decisions, so it is assessed case by case.
The producer is liable regardless of fault (Decreto-Lei n.º 383/89). It falls to the injured party to prove the defect, the damage and the link between them. The law, however, provides for grounds excluding liability and limits on the recoverable damage, as well as its own limitation and lapse periods, the latter a strict statutory time-bar.
You may be. An unlawful attack on one's honour and good name infringes personality rights and may give rise to a right to compensation for non-pecuniary damages. Criticism is, in principle, allowed. Inventing facts or insulting someone tends not to be.
A breach of data protection may give rise to civil liability, in addition to intervention by the CNPD (the national data protection authority). There may be compensation for the damage suffered.
As a rule, the entity responsible for maintaining the road (the municipality or the concessionaire), if there is a lack of care. Photograph the hole at the time and note down the contact details of anyone who witnessed it, because evidence of the state of the location usually decides these cases.
The person who uses the animal in their own interest. That person is liable regardless of fault, provided the damage results from the special danger involved in the use of the animal (art.º 502.º do Código Civil).
Yes. There may be liability of the owner of the works and/or the contractor. An inspection and technical report before and after help to prove the damage.
Putting off consulting a lawyer and leaving everything to the last minute. Delay jeopardises evidence that can no longer be recovered later and can mean the claim becomes time-barred, which in non-contractual liability happens, as a rule, after three years.
First of all, the compensation remains due and can be enforced, for example by attachment of the responsible party's assets or of their estate. In addition, there are funds that step in when it is not possible to obtain payment from the responsible party: the state motor guarantee fund (Fundo de Garantia Automóvel) in road accidents, the Workplace Accidents Fund (Fundo de Acidentes de Trabalho) in workplace accidents where the employer is insolvent or without means (art.º 82.º da Lei n.º 98/2009), and the State in violent crimes. Where there is compulsory insurance, it is the insurer that pays. Keep evidence of the damage and observe the time limits, which tend to be short.
It is, as a rule, non-contractual civil liability, based on the driver's fault or on the risk inherent in the vehicle (art.º 503.º, n.º 1 do Código Civil). Since that liability has compulsory cover, you can claim directly from the responsible party's insurer.
In the case of non-pecuniary damages, the law organises those entitled into tiers. In the first are, together, the spouse not judicially separated as to person and property and the children or other descendants. If the victim lived in a legally recognised unmarried partnership (união de facto), that first tier belongs, together, to the person who lived with them and to the children or other descendants. If there are none of these, next come the parents or other ascendants. Finally, failing all of the above, the siblings or the nephews and nieces who represent them (art.º 496.º, n.º 2 e n.º 3 do Código Civil).
The loss of life itself is, in and of itself, a compensable form of damage, with its own value. That value is set on an equitable basis, taking into account the victim's age and circumstances. It is added to the remaining heads of compensation, where they exist: the victim's own suffering before dying, the grief of close family members and the pecuniary damages, such as the loss of the economic support the victim provided.
Yes. In addition to the amount for the loss of life itself, family members entitled to compensation may claim for their own grief and suffering caused by the loss, as a separate head of non-pecuniary damage.
Yes. The suffering and distress experienced by the victim between the act and death are damage of their own, which does not disappear with death and can be claimed, as a rule by the family members indicated by law.
Yes. Anyone who could claim maintenance from the victim (or whom the victim in fact supported) is entitled to compensation for the loss of that support (art.º 495.º, n.º 3 do Código Civil).
Yes. The expenses of the funeral and of the treatment provided to the victim are compensable, to whoever bore them, even if they are not a family member (art.º 495.º do Código Civil).
Account is taken of the victim's income, the portion of it devoted to the household, their age and life expectancy and the needs of those who depended on them. Where there is no exact figure, a judgement of fairness is made on the specific case.
There is no binding scale. There are reference points in the STJ ruling on compensation for death and indicative amounts for road accidents in Portaria n.º 377/2008, which guides insurers' offers, but the amount is set case by case by the court, on an equitable basis.
The victim's fault can reduce the family members' compensation in proportion to their contribution to the event, just as it does with any injured party (art.º 570.º do Código Civil).
As a rule, the three-year period of non-contractual liability applies, and time starts to run on the same terms as it did for the injured person. If the act is a crime with a longer limitation period, it is that period which applies (art.º 498.º do Código Civil).
Yes. Each holder has a right of their own to reparation of their damage. The claims may be brought together, which usually makes it easier to present the evidence and to keep the amounts consistent.
Yes. The lawyers at NAA support families in claiming this damage, with medical and expert assistance where necessary to substantiate the amounts sought.
As a rule, family members claim within the criminal proceedings themselves, by virtue of the rule that the civil claim is joined to the criminal case (art.º 71.º do Código de Processo Penal). Where it is a violent crime or domestic violence, if the offender cannot pay, the State may advance the compensation through the crime-victims protection commission.
It is the contract by which the insurer takes on the payment of compensation for damage that the insured party causes to third parties, within the limits of the policy. It may be compulsory or optional.
Compulsory, among others, are motor insurance, workplace accident insurance and the insurance of certain professions and activities. In these activities the risk of causing damage to third parties is greater, so the law does not leave the protection of the injured party to the will of those who carry them out.
It covers the risk of the insured party having to compensate third parties for damage caused within the scope of the policy (art.º 137.º do Regime Jurídico do Contrato de Seguro). As a rule, damage caused with intent (dolo) and damage to the insured's own property are excluded. The price is not fixed by any scale. It varies with the risk of the activity and the sum insured. Always read the policy and, in particular, the exclusions.
Yes, as a rule. With compulsory insurance, once the policy is confirmed to exist, the injured party should direct the claim straight to the insurer, without having to sue the responsible party first. In case of doubt, it is prudent to sue the insurer and the responsible party together.
It may be fair or it may fall short of what is due. Only analysis of the specific case will tell. You do not have to decide immediately. A single global offer may not correctly distinguish pecuniary, non-pecuniary and future damages. Since signing a full and final settlement generally closes the matter, always assess carefully before accepting. If you have already signed such a release, see the question "I have already signed the discharge or accepted the first offer. Can I still claim more?", because the damage that was not yet foreseeable when you signed tends to remain claimable.
It depends on what you signed. A simple receipt proves payment (art.º 787.º do Código Civil), but it does not imply a waiver of the rest. Giving up a right requires a clear declaration, and the courts interpret such declarations strictly. Accordingly, the damage that was not yet foreseeable when you signed tends not to be covered, and can continue to be claimed.
The excess is the part of the damage that falls to the insured party and not to the insurer. In relations with injured third parties, the excess, as a rule, cannot be raised against them in compulsory insurance. The insurer pays the injured party and then settles up with the insured.
Outside motor claims, a claim submitted to the insurer is, as a rule, answered within 20 working days. In motor claims there are specific time limits set by law. The insurer has 2 working days to contact the injured party and arrange the assessments, 30 working days to say whether it accepts liability (15, if there is a joint accident statement (declaração amigável) signed by both drivers) and 45 days, counted from the compensation claim, to put forward a reasonable offer for the bodily injury. If these time limits are not met, interest may run and there may be penalties against the insurer. Keep a written record of each contact, because a documented delay works in the injured party's favour.
You can ask for the reasons in writing and complain to the insurer itself and to its Customer Ombudsman (Provedor do Cliente). If the problem persists, you can complain to the ASF (the insurance supervisory authority). As a last resort, you can go to court. A lawyer helps to assess whether the refusal is legitimate.
You are not bound by that expert's conclusions. It is advisable to cooperate with the assessment, but you can appoint your own expert or doctor to assess the damage. An independent report is often decisive in supporting an appropriate amount.
Yes. When the insurer delays the payment due, default interest can be claimed under the general rules. In motor claims, the regime is stricter. If the insurer fails to put forward the reasonable offer within the time limit, or puts it forward in a manifestly insufficient way, interest runs at twice the legal rate (art.º 38.º, n.os 2 e 3 do Decreto-Lei n.º 291/2007). If the reasoned reply due within the legal time limits is not provided, there is also a penalty of 200 euros for each day of delay, half of which goes to the injured party (art.º 40.º, n.º 2 do mesmo diploma).
It is the body that compensates victims when the responsible party is unknown, has no valid insurance or the insurer is insolvent. It exists so that the victim is not left without reparation in those cases.
They pay out of their own assets. In the cases provided for by law, the guarantee fund of the relevant area may also step in, as happens with compulsory motor insurance. The lack of insurance does not deprive the injured party of the right to compensation; it only changes who pays.
Yes. The lawyers at NAA — Sociedade de Advogados handle claims and negotiate with insurers, with the final word on whether to accept resting with the injured person. Where there is no adequate offer, they prepare and conduct the court action, with expert support whenever it is warranted.
In non-contractual liability, as a rule, 3 years from becoming aware of the right (art.º 498.º do Código Civil). In contractual liability, the ordinary period is 20 years.
It runs, as a rule, from the day you became aware that you had the right, even if you did not yet know the responsible party or the full extent of the damage. There is, however, a maximum limit. Even if you only find out late, the right eventually lapses under the ordinary period, counted from the act itself (art.º 498.º, n.º 1 do Código Civil).
If the criminal law sets a longer limitation period for the crime, it is that period which applies to the right to compensation.
Evidence of the act, of fault (where required), of the damage and of the link between them: documents, photographs, witnesses, technical and medical expert reports. Gather everything from the outset.
No. Many cases are resolved out of court, with a reasoned letter of claim to the responsible party or the insurer. Only if no agreement is reached does the case go to court.
You can, but with consequences (costs and possible loss of rights). Never do so without advice.
There is no fixed period. With an agreement, payment tends to arrive within months. In court, it can take years. Once part of the damage is proved, the court can order payment of that part straight away (art.º 565.º do Código Civil). As for advances, where there is an urgent need, such as loss of income or treatment expenses, an interim payment of compensation may be requested from the court and paid while the proceedings are ongoing (art.º 388.º e seguintes do Código de Processo Civil).
As a rule, no. The courts are overloaded and a party cannot impose the pace on them, nor can the lawyer representing them. Civil procedure has no equivalent of the "application to expedite", which exists only in criminal procedure (art.º 108.º do Código de Processo Penal). An application merely requesting speed risks being regarded as manifestly unfounded and giving rise to an exceptional penalty charge, a monetary penalty for those who use unfounded procedural means (art.º 531.º do Código de Processo Civil). What does help is keeping the action well prepared (evidence organised) and responding quickly to whatever the court asks, so as not to add further delays.
Yes. The right to a decision within a reasonable time is in the Constitution (art.º 20.º, n.º 4) and in the European Convention on Human Rights. Where the delay is abnormal and attributable to the functioning of the justice system, compensation may be claimed from the State itself (Lei n.º 67/2007). It does not speed up the action, but it makes good the harm of waiting too long. The claim is subject to a three-year time limit.
As a rule, in actions with a value above 5,000 euros instructing a lawyer is mandatory. Even below that value, being assisted by a lawyer tends to make a difference in gathering the evidence and in calculating a fair amount.
The first legal consultation with a lawyer at NAA is 60 euros (VAT included). To bring the action there are court fees and professional fees. The court fees depend on the value of the case. The professional fees are agreed case by case, according to the complexity and the work anticipated, and are set out in writing before starting. Those on low incomes can apply for legal aid. If that is your situation, tell us and we will help you handle the application. The lawyer will give you an estimate before proceeding.
It is not free. At NAA the first legal consultation costs 60 euros (VAT included), a figure stated upfront. What you pay has a concrete return. In the consultation the lawyer carries out a technical analysis of the case, answers the questions you bring and checks whether the requirements for liability are met, what evidence is missing and what time limits are running, including the three years of the limitation period. You leave with a step-by-step plan and a note of what to keep from now on: documents, photographs and witnesses' contact details. If you are unsure about what to bring to the consultation, contact us beforehand and we will help you prepare.
Because independent advice has value and we treat those who come to us as clients from the very first minute, not as a contact to be converted. Advertising is permitted to lawyers, within limits, but the soliciting of clients is prohibited by the Bar Association's statute (Estatuto da Ordem). That boundary guides our choices. If you cannot pay, speak to us all the same. Legal aid exists precisely for those cases and we guide the application.
In that pure form, no one may. The pacto de quota litis, fees set exclusively by the outcome, is prohibited by the Estatuto da Ordem dos Advogados (art.º 106.º). What the law does allow is a prior fee agreement (even by reference to the value of the case) or a success fee added to the base fee, a combination common in this type of case. Whichever model is used, insist on the written agreement before starting and confirm how each part is calculated.
There is no "best compensation lawyer", nor is civil liability among the specialisms recognised by the Portuguese Bar Association. There are lawyers who have practical experience in cases like yours. Look for experience in civil liability and in negotiating with insurers, medical support to assess any bodily injury, and clarity about fees from the outset. Feeling you can trust the lawyer from the first contact is usually a good sign.
This information is general in nature and is no substitute for individual legal advice.
Knowledge
The Portuguese Bar awards no title of specialist car accident lawyer or specialist workplace accident lawyer. Four criteria for choosing.
How much does a lawyer cost? There is no official scale. The criteria in the law, the ban on quota litis, legal aid and what to ask at the first consultation.
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