Traffic accident: how to file your ACAA claim
Four hours to notify the Police and fifteen calendar days to file. What to bring, who qualifies, and what ACAA does not cover.
August 13, 2026
Agency
Administración de Compensaciones por Accidentes de Automóviles (ACAA)
Administers Puerto Rico’s traffic accident insurance and compensation system. It covers bodily injury to drivers, passengers, pedestrians, cyclists and riders: medical and hospital services, disability compensation, dismemberment compensation, death benefits and funeral expenses. It does not cover damage to the vehicle.
Agency's official siteGuides related to this agency
ACAA coverages: basic, Plus and Premium
What the $35 premium you pay with your registration sticker is, what the $50 and $70 coverages add, and how to switch.
August 13, 2026
ACAA compensation: lost income, death and dismemberment
ACAA does not only pay doctors. If the accident left you unable to work, it compensates 50% of the weekly salary you were earning before.
August 13, 2026
How to appeal an ACAA decision
Four rungs, thirty days at each. The terms are jurisdictional: miss one and nobody can hear you.
September 3, 2026
The exams and treatment ACAA can require of you
It can order medical exams and rehabilitation, and if you refuse it pays nothing. It cannot order a toxicology test, but it can obtain a copy.
September 3, 2026
ACAA’s lien on your licence and plate
If you owe ACAA for an accident, it files a lien blocking registration renewal, your licence and any transfer of the vehicle.
September 3, 2026
Suing the at-fault driver after ACAA has treated you
The ninety days in which you may not sue or settle, the year to claim, and the ACAA certification without which payment is void.
September 3, 2026
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