The first 48 hours
- Have the injuries examined by a doctor and obtain an initial medical certificate describing the injuries and the period of incapacity.
- Inform the employer within 48 hours, preferably in writing, stating the circumstances and any witnesses.
- The employer reports the accident to its insurer within five working days; failing that, the victim may report it directly within two years.
- Keep all documents: sick notes, prescriptions, invoices, the police report in the case of a commuting accident.
What the victim can obtain
- Full coverage of medical, surgical, pharmaceutical and rehabilitation costs.
- A daily allowance during temporary incapacity, calculated on the daily wage.
- A life annuity in the event of permanent incapacity, based on the rate set by medical assessment and the annual salary.
- Annuities for dependants and funeral costs in the event of death; an increase in the event of inexcusable fault by the employer.
Conciliation, then court
The insurer offers compensation as part of a conciliation procedure. If there is disagreement over the incapacity rate or the reference salary, the victim brings the matter before the Court of First Instance of Rabat, which may order a second medical assessment. A lawyer's assistance makes it possible to challenge an undervalued assessment and to obtain recognition of inexcusable fault.
This guide is provided for general information by Maître Lahfaia Law Firm, Rabat. It is no substitute for advice tailored to your situation; the rules and deadlines mentioned may change.