Regulación de Comisiones en Reparaciones Automotrices y Estructuras Aseguradas

Explicación Simple

Esta ley dice que los talleres de reparación de autos no pueden pagar a agentes de seguros para que les envíen clientes. También prohíbe que ofrezcan descuentos para ayudar a pagar un deducible de seguro, a menos que el seguro ya haya determinado el costo de la reparación.

Es como cuando un chef no puede pagarle a un crítico gastronómico para que hable bien de su restaurante. Si lo hiciera, sería deshonesto y podría meterse en problemas.

Ejemplo Práctico

Imagina que Juan lleva su auto a un taller llamado 'Reparaciones Rápidas'. El dueño del taller le ofrece a la agente de seguros de Juan una comisión por cada cliente que envíe. Esto es ilegal y podría causar problemas tanto a Juan como al taller.

Penalidades

Las violaciones pueden resultar en penas de prisión si el monto supera 950 dólares.

Texto Original del Estatuto (Inglés)

Penal Code - PEN PART 1. OF CRIMES AND PUNISHMENTS [25 - 680.4] ( Part 1 enacted 1872. ) TITLE 13. OF CRIMES AGAINST PROPERTY [450 - 593g] ( Title 13 enacted 1872. ) CHAPTER 10. Crimes Against Insured Property and Insurers [548 - 551] ( Heading of Chapter 10 renumbered from Chapter 11 by Stats. 1979, Ch. 373. ) 551. (a) It is unlawful for any automotive repair dealer, contractor, or employees or agents thereof to offer to any insurance agent, broker, or adjuster any fee, commission, profit sharing, or other form of direct or indirect consideration for referring an insured to an automotive repair dealer or its employees or agents for vehicle repairs covered under a policyholder’s automobile physical damage or automobile collision coverage, or to a contractor or its employees or agents for repairs to or replacement of a structure covered by a residential or commercial insurance policy. (b) Except in cases in which the amount of the repair or replacement claim has been determined by the insurer and the repair or replacement services are performed in accordance with that determination or in accordance with provided estimates that are accepted by the insurer, it is unlawful for any automotive repair dealer, contractor, or employees or agents thereof to knowingly offer or give any discount intended to offset a deductible required by a policy of insurance covering repairs to or replacement of a motor vehicle or residential or commercial structure. This subdivision does not prohibit an advertisement for repair or replacement services at a discount as long as the amount of the repair or replacement claim has been determined by the insurer and the repair or replacement services are performed in accordance with that determination or in accordance with provided estimates that