Compensation for Road Accident Victims in Morocco: 2026 Reform Guide

Key Points to Remember:

• Legal basis: The Law No. 70.24 modifies and completes the Royal Decree No. 1.84.177 of October 2, 1984.
• Financial revaluation: The minimum compensation amount is reduced from 9 270 dirhams has 14 270 dirhams, representing an increase in 54 % spread over five stages.
• Prescription period: Harmonization of limitation periods 5 years for the review, the amicable settlement or the aggravation of the damage.
• New beneficiaries: Extension of compensation to students, interns and dependent spouses.
• Informal sector: Clarification of the methods of proving income for self-employed workers.
• Competent jurisdiction: Courts of first instance of the place of the accident or of the defendant's domicile.

The reform of the regimecompensation for victims of road accidents In Morocco, this marks a major turning point in user protection. Faced with evolving socio-economic realities, the legislator has established the Law No. 70.24 to modernize the 1984 system. This guide analyzes the essential new features, from increased compensation to simplified procedures, to enable litigants to secure their rights.

The revised legal framework for compensation in Morocco

L’Article 1 of Law No. 70.24 stipulates that previous legislative provisions are replaced by a system that offers greater protection to victims of road traffic accidents. This reform is a continuation of the Dahir No. 1.84.177 of October 2, 1984while correcting the shortcomings relating to minimum amounts and limitation periods.

The legislator Moroccan wanted to harmonize the texts to guarantee a fair reparation bodily injuries caused by motor vehicles.compensation for victims of road accidents it now rests on a balance between the financial security of insurers and the dignity of victims.

Increase in the minimum compensation amount

L’compensation for victims of road accidents has benefited from a significant increase in its computing power. Table attached to Law No. 70.24 sets the new reference scales for calculating basic capital.

This revaluation of 54 % The minimum wage aims to compensate for the monetary erosion observed over the past forty years. The reference wage, used to determine the Rass al-mal al-mu'tamad (reference capital), passes from 9 270 DH has 14 270 DH.

Comparative table of the minimum amount (Annual reference salary):

Extension of beneficiaries: Students and Trainees

The Law No. 70.24 expands the circle of people eligible for compensation. Until now, certain categories of victims without fixed incomes encountered difficulties in asserting their economic damages.

From now on, thecompensation for victims of road accidents explicitly includes:

• THE students of higher education.
• THE interns in vocational training.
• THE dependent spouses or unable to provide for their needs.
• THE dependent children.

This provision ensures that the absence of salary at the time of the accident no longer constitutes an obstacle to obtaining fair compensation, based on a potential for future income or a recognized situation of dependency.

Harmonization of the limitation period to 5 years

One of the major contributions of the reform concerns legal certainty over time. Cabinet Anouide emphasizes the complexity Previous delays often harmed the interests of victims.

L’Article 34 of the reform harmonizes the limitation period to five years for the following situations:

1. The initial request forcompensation for victims of road accidents.
2. The action under review for aggravation of the damage bodily.
3. Challenging the offers of transaction amiable offered by insurance companies.

This delay of 5 years replaces the previous shorter time limits (often 3 years), thus offering victims greater leeway to stabilize their health before their case is definitively closed.

Proof of income for the informal sector

L’compensation for victims of road accidents The situation for workers in the informal sector has been clarified. The legislator now imposes more flexible but regulated criteria to prove the reality of professional earnings.

In the absence of a payslip, the victim may present any supporting document (invoices, certified testimonies, bank statements) that allows for an estimation of their average income. If no proof is available, the minimum amount of 14,270 DH (in 2026) which applies fully law as a basis for calculation.

Medical assessment procedure and unified certificate

The reform introduces the concept of unified medical certificate to simplify the victim's journey. This measure aims to reduce discrepancies between the victim's treating physician and the insurance company's medical advisor.

Procedural table of medical expertise:

The importance of early legal consultation

The complexity of thecompensation for victims of road accidents requires appropriate legal support from the outset. Early consultation allows you to:

• Secure the procedure : Verification of the completeness of documents (minutes, certificates) and compliance with the limitation period 5 years.
• Optimize the chances of success : Appropriate procedural strategy, particularly for victims in the informal sector or Moroccans Residing Abroad.
• Avoid costly mistakes : Prevention of signing derisory amicable settlements under pressure from insurance companies.
• Negotiate effectively : With third-party payers and insurers to include funeral and body transport costs, now better taken into account.

The Law Firm of Attorney Amal Anouide in Safi accompanies litigants throughout the Kingdom, with the possibility of remote consultation (WhatsApp, Video conferencing) for remote customers and Moroccans Residing Abroad.

🌍 Special for Moroccans Living Abroad: Remote Compensation Procedure

For the Moroccans Residing Abroad, l’compensation for victims of road accidents incidents that occurred in Morocco can be managed without mandatory travel.

1. Legal representation The litigant may appoint the Cabinet Anouide via a power of attorney certified by the Moroccan consulate in his country of residence.
2. Consular documents Foreign medical certificates must be translated by a sworn translator and apostilled.
3. Video conference : In some cases, hearings or exchanges with the expert can be facilitated by digital tools, subject to judicial validation.

Checklist: Steps to take to claim your compensation

Phase 1: Preparation (Immediately after the accident)

• ☐ Get a copy of Report of findings (Police or Gendarmerie).
• ☐ Keep all the receipts for expenses (transport, medication, hospitalization).
• ☐ Request a initial medical certificate specifying the injuries.

Phase 2: Application Procedure

• ☐ Send a claim for compensation to the insurance company by registered letter.
• ☐ Attach proof of income (pay slips or proof of professional earnings).
• ☐ Submit to themedical expertise initiated by the insurer or the court.

Phase 3 : Post-expertise

• ☐ Analyze the compensation offer received under 60 days with regard to the Law No. 70.24.
• ☐ In case of refusal, initiate legal proceedings before the Court of First Instance.

Common mistakes that compromise your rights

1. hastily signing a receipt for final settlement :
   • Description : Accepting an immediate sum from the insurance company without a final medical evaluation.
   • Consequence Definitive waiver of any further claims, even in the event of aggravation.
   • Recommendation Never sign without consulting a professional. specialist lawyer as Lawyer Amal Anouide.
2. Exceeding the statute of limitations :
   • Description : Wait more 5 years after the injuries have stabilized, action can be taken.
   • Consequence : Statute of limitations and irrevocable rejection of the claim.
3. Neglecting evidence of informal income :
   • Description : Not documenting one's professional activity under the pretext that it is not salaried.
   • Consequence Compensation based on the minimum floor amount instead of actual income.

Legal FAQ

Q: What is the time limit for claiming compensation for an accident in Morocco?

R: According to the Law No. 70.24The deadline is now 5 years from the date of the medical expert report or of death. Legal basis: Article 34 of the reform (amending the Dahir of 1984)

Q: Can a student be compensated for the loss of their career opportunities?

A: Yes, the 2026 reform specifically includes the students and the interns among the beneficiaries to compensate for the impact of the accident on their professional future. Legal basis: Law No. 70.24 and Dahir 1.84.177

Q: How much does a compensation procedure cost in Morocco in 2026?

A: The fees include tax legal fees and expenses lawyer. A first estimate is given by the Anouide office during the consultation initial.

Q: Can Moroccans residing abroad contest an insurance offer from abroad?

R: Absolutely. The Cabinet Anouide manages remote appeals via a consular power of attorney and secure exchanges via WhatsApp.

Glossary of legal terms

• Compensation (Ta'wid): Sum paid to compensate for bodily, material or moral damage.
• Rass al-mal al-mu'tamad : Reference capital calculated according to age and income to determine the amount of compensation.
• Prescription (The story): Legal time limit (5 years) beyond which legal action is no longer admissible.
• Permanent Partial Disability (PPD) : Percentage of permanent disability determined by a medical expert.

Legal warning This article provides general legal information on thecompensation for victims of road accidents in Morocco and does not constitute personalized legal advice. The information presented is valid as of the date of publication and incorporates the latest developments in the Law No. 70.24For an accurate assessment of your case, consult the Cabinet Anouide.

Legal Sources:

• Legislation Dahir bearing law n° 1.84.177 of October 2, 1984 relating to the compensation of victims of accidents caused by motor vehicles.
• Legislation Law No. 70.24 amending and supplementing the Dahir of 1984 (Official Bulletin No. 7478).