Si una iglesia o grupo religioso tiene reglas y ha existido desde 1950, puede pedir un permiso especial para no comprar un seguro de auto. Esto es porque sus miembros se ayudan entre sí si alguien necesita dinero para cubrir un accidente.
Es como un grupo de amigos que deciden hacer una 'olla común' para ayudarse en caso de que alguien tenga problemas y no pueda pagar su parte de una cena.
Imagina que la Iglesia Luz de Esperanza, que ha existido desde 1955, quiere autoasegurarse. Todos sus miembros manejan autos registrados y se ayudan mutuamente si alguno tiene un accidente. Después de cumplir con todos los requisitos, obtienen un certificado que les permite no comprar un seguro convencional.
§ 20-279.33A. Religious organizations; self-insurance. (a) Notwithstanding any other provision of this Article or Article 13 of this Chapter, any recognized religious organization having established tenets or teachings and that has been in existence at all times since December 31, 1950, may qualify as a self-insurer by obtaining a certificate of self-insurance from the Commissioner as provided in subsection (c) of this section if the Commissioner determines that all of the following conditions are met: (1) Members of the religious organization operate vehicles that are registered in this State and are either owned or leased by them. (2) Members of the religious organization hold a common belief in mutual financial assistance in time of need to the extent that they share in financial obligations of other members who would otherwise be unable to meet their obligations. (3) The religious organization has met all of its insurance obligations for the five years preceding its application. (4) The religious organization is financially solvent and not subject to any actions in bankruptcy, trusteeship, receivership, or any other court proceeding in which the financial solvency of the religious organization is in question. (5) Neither the religious organization nor any of its participating members has any judgments arising out of the operation, maintenance, or use of a motor vehicle taken against them that have remained unsatisfied for more than 30 days after becoming final.
Solo las organizaciones religiosas reconocidas que han estado activas desde 1950 y tienen reglas claras pueden hacerlo.
Deben tener vehículos registrados, ayudar financieramente a sus miembros, cumplir con obligaciones de seguros y no tener problemas financieros.
Si no cumplen con los requisitos, no podrán obtener el certificado de autoaseguro y deberán adquirir un seguro convencional.
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