Derechos del Asegurado frente a Motoristas No Asegurados en Carolina del Norte

Explicación Simple

Si tienes un accidente con alguien que no tiene seguro, tú puedes demandarlo aunque tu aseguradora no esté de acuerdo. Tienes que avisar a tu aseguradora antes de hacer la demanda, pero no necesitan aprobarlo.

Es como cuando organizas una fiesta y decides invitar a un amigo sin preguntar si a los demás les gusta. Mientras le avises a los demás que lo invitaste, no necesitas su permiso para que venga.

Ejemplo Práctico

Imagina que Juan tiene un accidente con un motorista que no tiene seguro. Juan le avisa a su aseguradora sobre el accidente y espera 60 días antes de demandar al motorista. Aunque su aseguradora no lo mencione en la demanda, puede participar en el caso para proteger sus intereses.

Texto Original del Estatuto (Inglés)

ownership, maintenance or use of any motor vehicle, which policy is delivered or issued for delivery in this State, shall be subject to the following provisions which need not be contained therein. a. A provision that the insurer shall be bound by a final judgment taken by the insured against an uninsured motorist if the insurer has been served with copy of summons, complaint or other process in the action against the uninsured motorist by registered or certified mail, return receipt requested, or in any manner provided by law; provided however, that the determination of whether a motorist is uninsured may be decided only by an action against the insurer alone. The insurer, upon being served as herein provided, shall be a party to the action between the insured and the uninsured motorist though not named in the caption of the pleadings and may defend the suit in the name of the uninsured motorist or in its own name. The insurer, upon being served with copy of summons, complaint or other pleading, shall have the time allowed by statute in which to answer, demur or otherwise plead (whether the pleading is verified or not) to the summons, complaint or other process served upon it. The consent of the insurer shall not be required for the initiation of suit by the insured against the uninsured motorist: Provided, however, no action shall be initiated by the insured until 60 days following the posting of notice to the insurer at the address shown on the policy or after personal del