You are not alone facing the Mutua: What happens if you have an accident?
This situation generates enormous frustration and uncertainty. We know this because it's the day-to-day reality for our firm. Does this sound familiar?:
Does the Mutua pressure you to return to work even though your doctor says you're not recovered?
Have you been discharged from hospital (improperly) and feel let down?
Has your accident been classified as «common illness» to save on costs?
Are you only being paid 75% (or less) of your salary, and your bills won’t wait?
Have you been left with after-effects (chronic pain, reduced mobility) and don't know who should pay you for it?
Are you afraid of complaining or claiming compensation and getting fired?
The biggest risk is becoming complacent. If you accept an undue payment or fail to make a claim, you put your health at risk and lose the right to fair compensation.
Claim your compensation and protect your health
You don't have to accept the Mutual's decision. Their business is saving costs; ours is defending your rights.
Our aim is not just to «make a claim»; it is to protect you so that you can make a full recovery 100% and to obtain maximum compensation what you are entitled to by law (scale of charges) for the damage suffered.
we help you Reclaim against the Mutual (dispute the registration, change the contingency) and to negotiate or sue for the compensation for after-effects that you deserve.
| Action | To conform with the Mutual | To claim with a solicitor |
|---|---|---|
| Your recovery | You return to work in pain, with a risk of relapse for the Mutual. They decide for you. | Your health is the priority. We are challenging the discharge so that you are treated until you are truly healed. |
| Your salary (low) | If they rate it «common», you charge much less (or nothing for the first 3 days). | We are campaigning for this to be recognised as «work-related» so that you can be paid the 75% (or the 100% if your collective agreement specifies this). |
| Compensation | You accept the minimum compensation offered (or zero). | We calculate and demand the maximum compensation for your injuries and after-effects according to the legal scale. |
| Control | The mutual and the company have total control over your process. | You regain control. We'll turn the tables by negotiating expert to expert. |
Don't let the Mutua's pressure put your recovery at risk or cause you to lose the money you're owed. You have the right to heal properly and be compensated for your damages.
Why trust FA Lawyers to claim your accident
We understand your injury and your frustration with the mutual insurance company. You are not a file number. Our experience is based on protecting the worker:
Directed by Antonio Fernández Álvarez and Elena Pulido, registered employment lawyers.
Specialists in accident at work claims against mutual societies and insurers.
Experts in challenging medical sick notes and contingency changes (from common to occupational).
Expert calculation of compensation according to the official scale for injuries and sequelae.
Hundreds of workers successfully defended against mutuals.
Offices in Marbella, Seville and Tarifa.
First consultation to assess your case and the compensation you are entitled to.
We only charge if you win (as a percentage).
Our process defence (steps to claim)
An accident at work requires a two-pronged strategy: medical and legal. This is our method:
Feasibility Analysis and Documentation: We are studying all your medical reports (from the Mutual and Social Security), your contract, and the accident report. We will give you an honest opinion on compensation and viability.
Fight the Mutual (urgent): If the discharge is undue, we dispute it immediately (timeframes of 4 to 10 days). If the contingency is incorrect, we initiate the procedure to change it to «work-related».
Compensation calculation and negotiation Once you are discharged (or the after-effects have stabilised), we assess the damage according to the official scale and submit a formal claim to the insurer or mutual insurance company to obtain the maximum compensation.
Legal action If the Mutua or insurer rejects a fair settlement, we will file a claim with the Social Court so that a judge can determine your compensation.
Success stories real (our experience)
Case 1: Appeal of medical discharge and change of contingency
Problem. Client (construction sector) with a fall. The Mutua classifies it as ‘common illness’ (mild sprain) and discharges them after 10 days.
Solution The medical discharge and the contingency were challenged. It was proven that it was a work accident and that the injury was more serious (ligament rupture).
Result: The judge recognised the accident as a work-related injury. The client was able to undergo surgery, receive the 100% sick pay (as per the collective agreement) and be awarded compensation for the after-effects.
Case 2: Claim for compensation for an accident while travelling to or from work
Problem. Client (transport sector) with an accident on their commute (whiplash). The company's insurer offered minimal compensation.
Solution It was negotiated directly with the insurer, providing private medical reports and demonstrating the actual loss according to the scale.
Result: Out-of-court settlement, multiplying the insurer's initial offer by 4, without the need to go to court.
