Dado que falta la póliza, la aseguradora llama.

Dado que means given that, since, or seeing that. It introduces the reason for what happens in the main clause.

In this sentence, it sets up the cause:

• Dado que falta la póliza = Since/Given that the policy is missing

It is a bit more formal than porque and often sounds more written or official.

It is understandable and fairly common, but it sounds more formal or administrative than everyday casual speech.

More conversational alternatives are:

• porque
• ya que
• como (when the reason comes first)

So in casual speech, someone might say:

• Como falta la póliza, la aseguradora llama.
• La aseguradora llama porque falta la póliza.

But dado que fits very well in formal, written, legal, or insurance-related language.

In Spanish, the most natural order is often verb + subject in sentences like this, especially with verbs such as faltar.

Here:

• falta = is missing
• la póliza = the thing that is missing

So falta la póliza means the policy is missing.

You can say la póliza falta, but it sounds less natural in most contexts. Spanish often puts the noun after the verb when introducing something that is missing, happening, or existing.

The subject is la póliza.

That can be confusing for English speakers because faltar does not always line up neatly with English word order. But grammatically:

• falta = third-person singular verb
• la póliza = singular subject

So the verb agrees with la póliza.

If it were plural, it would change:

• Faltan las pólizas = The policies are missing

Sometimes, but not in the same way English uses to miss.

In this sentence, faltar means to be missing / to be absent / to be lacking.

Examples:

• Falta la póliza. = The policy is missing.
• Faltan dos páginas. = Two pages are missing.

But faltar can also appear in sentences that English translates with need or be lacking:

• Me falta dinero. = I’m short of money / I need money.

So it is better to think of faltar as to be lacking / to be absent / to be missing, depending on context.

Póliza usually means policy, especially an insurance policy.

In Latin American Spanish, la póliza very commonly refers to the insurance document or contract itself.

Depending on context, it can refer to:

• the policy document
• the insurance coverage/contract
• the official record of that policy

In this sentence, because la aseguradora appears later, the insurance meaning is especially clear.

La aseguradora means the insurer or the insurance company.

It comes from asegurar (to insure) and refers to the company that provides the insurance.

A learner might also see:

• la compañía de seguros = the insurance company
• el asegurador / la aseguradora = the insurer

Here, la aseguradora is a feminine noun, but that does not necessarily mean a female person. It often refers to a company, and company names are commonly treated this way.

Yes. Here llama is from llamar, and it means calls.

So:

• la aseguradora llama = the insurer calls

It is:

• third person singular
• present tense
• indicative mood

Be careful not to confuse it with:

• la llama = the flame
• llama = llama (the animal)

Context makes it clear that this is the verb llamar.

Yes. Spanish simple present often covers both English calls and is calling, depending on context.

So la aseguradora llama could be understood as:

• the insurer calls
• the insurer is calling

If Spanish wants to emphasize the ongoing action, it can use:

• está llamando

But the simple present is very normal and often enough.

The present tense here can describe:

• a current situation
• a routine or typical action
• a neutral narrative style

So the sentence could mean something like:

• whenever the policy is missing, the insurer calls
• right now, because the policy is missing, the insurer calls/is calling

Without more context, Spanish leaves that somewhat open, and that is normal.

The comma separates the introductory subordinate clause from the main clause.

Structure:

• Dado que falta la póliza = reason/cause
• la aseguradora llama = main action

When a clause like this comes first in Spanish, a comma is very common and natural:

• Dado que falta la póliza, la aseguradora llama.

If the order is reversed, the comma is often omitted:

• La aseguradora llama porque falta la póliza.

Yes, but the sentence would sound a little different in tone.

Compare:

• Dado que falta la póliza, la aseguradora llama.
• La aseguradora llama porque falta la póliza.

Both are correct, but:

• dado que sounds more formal, written, or official
• porque sounds more neutral and everyday

So the difference is mostly style and register, not basic meaning.

No. It is fully active.

There are two clauses:

• falta la póliza = active in form, though English may translate it with is missing
• la aseguradora llama = clearly active, the insurer calls

No passive construction like es llamada appears here.

Usually, no. In this structure, the natural meaning is the policy is missing / absent.

If Spanish wants to say the policy is needed, it would more naturally say something like:

• Hace falta la póliza
• Se necesita la póliza

That is an important distinction:

• Falta la póliza = the policy is missing
• Hace falta la póliza = the policy is needed

Spanish uses definite articles more often than English does.

Here, la póliza and la aseguradora refer to specific, identifiable things in context:

• the policy
• the insurer

Even when English might sometimes omit an article in certain business-style phrases, Spanish usually keeps it:

• falta la póliza
• la aseguradora llama

That is normal Spanish usage.

Yes. The Spanish present tense allows that.

Depending on context, it could mean either:

• a current event: Since the policy is missing, the insurer is calling
• a general rule/process: If/Since the policy is missing, the insurer calls

This is very common in Spanish. The sentence by itself does not force only one reading.