Políticas de responsabilidad civil para vehículos motorizados

Explicación Simple

Las pólizas de responsabilidad civil para vehículos son como un contrato que dice que si chocas, tu seguro pagará los daños. También dice que no cubre ciertos accidentes, como si trabajabas en una empresa y te lastimas.

Es como tener un paraguas en un día nublado. Te protege de la lluvia (los daños) pero no te cubrirá si decides saltar en un charco (daños no cubiertos).

Ejemplo Práctico

Imagina que Juan tiene un coche y un seguro de responsabilidad civil. Un día, choca accidentalmente con el coche de María. Su póliza de seguro cubrirá los daños al coche de María, pero no cubrirá si Juan se lastima mientras conduce.

Texto Original del Estatuto (Inglés)

(d) Such motor vehicle liability policy shall state the name and address of the named insured, the coverage afforded by the policy, the policy period, and the limits of liability, and shall contain an agreement or be indorsed that insurance is provided thereunder in accordance with the coverage defined in this chapter as respects bodily injury and death or property damage, or both, and is subject to all the provisions of this chapter. (e) Such motor vehicle liability policy need not insure any liability under any workmen's compensation law nor any liability on account of bodily injury to or death of an employee of the insured while engaged in the employment, other than domestic, of the insured, or while engaged in the operation, maintenance or repair of any such motor vehicle nor any liability for damage to property owned by, rented to, in charge of, or transported by the insured. (f) Every motor vehicle liability policy shall be subject to the following provisions which need not be contained therein: (1) The liability of the insurance carrier with respect to the insurance required by this chapter shall become absolute whenever injury or damage covered by said motor vehicle liability policy occurs; said policy may not be cancelled or annulled as to such liability by any agreement between the insurance carrier and the insured after the occurrence of the injury or damage; no statement made by the insured or on his behalf and no violation of said policy shall defeat or void said policy, and except as hereinafter provided, no fraud, misrepresentation, assumption of liability or other act of the insured in obtaining or retaining such policy, or in adjusting a claim under such policy, and no failure of the insured to give any notice, forward any paper or otherwise cooperate w