Thank you for your consultation.
We understand from your letter that you took out an accident insurance policy that would allow you to claim compensation for the days that you are unable to work whilst recovering from an accident. (This type of insurance should not be confused with motor vehicle insurance).
Firstly, we have to inform you that it is impossible for us to give you full and exact legal advice without seeing the general and specific conditions of your policy.
Secondly, if we take it that this type of injury (e.g. ‘back pain (lumbago) is not specifically mentioned in your policy, the key is to determine whether the effort made by you, as the insured person, can be considered an accident or not, and therefore whether there is a valid case for compensation.
If we refer to Spanish Insurance Law 50/1980 article 100 we find that an accident is defined as: “Without prejudice to the limitation of risk made by the parties on the contract, an accident is understood to be any damage or injury to the body caused by a sudden violent cause without awareness or intention of the insured, which produces temporary or permanent disability or death