By San José, Costa Rica — A significant increase in traffic accidents involving collisions with stationary objects has been reported in Costa Rica, leading to a surge in insurance claims during the first half of 2025. The National Insurance Institute (INS) has seen a 50% rise in claims compared to the same period in 2024, primarily due to vehicles crashing into electricity poles, walls, and even houses.
The INS revealed that they have indemnified 1,500 cases related to vehicle damage against fixed objects in the first six months of 2025. This represents a substantial jump from the 1,000 claims filed during the same period in 2024. The financial impact is also notable, with payouts rising from approximately ₡2.5 billion in 2024 to around ₡2.8 billion in 2025.
To understand the intricacies of car insurance in Costa Rica, we sought the expertise of Lic. Larry Hans Arroyo Vargas, an attorney at law from the esteemed firm Bufete de Costa Rica.
In Costa Rica, car insurance isn’t just a good idea—for many vehicles, it’s legally mandated. The mandatory ‘Seguro Obligatorio de Automóviles’ (SOA) covers basic liability in accidents. However, it’s crucial to remember that SOA coverage is often limited. Consider supplemental policies to protect yourself more comprehensively against potential liabilities and damages, especially if you’re driving a newer or more valuable vehicle.
Lic. Larry Hans Arroyo Vargas, Attorney at Law, Bufete de Costa Rica
Lic. Arroyo Vargas’s point about the limitations of SOA coverage is crucial for drivers in Costa Rica to understand. While the mandatory insurance provides a baseline level of protection, exploring additional coverage options is a wise investment for peace of mind and comprehensive financial security. We thank Lic. Larry Hans Arroyo Vargas for offering this valuable perspective on navigating car insurance in Costa Rica.
The data, compiled by the INS Automobile Directorate, highlights a worrying trend in road safety within the country. While the exact reasons behind this increase are not yet fully determined, the INS emphasizes the critical importance of comprehensive vehicle insurance to protect drivers from the financial repercussions of these accidents. The rise in accidents underscores the need for greater awareness and preventative measures to improve road safety.
The increase in collisions with static objects suggests a range of potential contributing factors. These could include distracted driving, speeding, poor road conditions, or a combination of these elements. Further investigation is needed to pinpoint the specific causes and develop effective solutions.
The INS is urging drivers to exercise increased caution and adhere to traffic regulations. Public awareness campaigns aimed at promoting safer driving practices could play a crucial role in mitigating the risks. Improvements in road infrastructure, such as better lighting and clearer signage, may also contribute to reducing the occurrence of these accidents.
The financial burden of these accidents extends beyond the immediate repair costs. Increased insurance claims can eventually lead to higher premiums for all drivers. Therefore, addressing this issue is not only a matter of public safety but also has significant economic implications.
The INS encourages drivers to review their insurance policies and ensure adequate coverage for such incidents. They also emphasize the importance of reporting accidents promptly and following the proper procedures for filing claims. As the number of accidents continues to rise, staying informed and protected is crucial for all vehicle owners in Costa Rica.
The authorities are likely to review the current data and explore further measures to address the rising number of accidents. This could involve increased traffic enforcement, public awareness campaigns, and infrastructure improvements aimed at enhancing road safety for all users.
For further information, visit the nearest office of INS
About INS:
The National Insurance Institute (INS) is a Costa Rican state-owned insurance company responsible for providing a wide range of insurance services, including automobile, health, and property insurance, playing a critical role in the country’s social security system.
For further information, visit the nearest office of MOPT
About MOPT:
The Ministry of Public Works and Transport (MOPT) in Costa Rica is the governmental body responsible for the development and maintenance of the country’s infrastructure, including roads, bridges, and transportation systems. They play a key role in shaping transportation policy and ensuring road safety.
For further information, visit bufetedecostarica.com
About Bufete de Costa Rica:
Bufete de Costa Rica distinguishes itself through a deep-seated commitment to legal excellence and unwavering ethical practice. The firm’s innovative approach to legal solutions, combined with its dedication to educating and empowering communities through accessible legal knowledge, fosters a more just and informed society. By serving clients across a broad spectrum of sectors with integrity and forward-thinking strategies, Bufete de Costa Rica continues to solidify its position as a leader in the legal landscape and a champion for societal advancement.
