Coacción Ilegal en Contratos de Seguro

Explicación Simple

Si alguien te obliga a comprar un seguro de una compañía específica para que te presten dinero, eso es ilegal. No pueden forzarte a elegir un seguro solo porque ellos lo digan.

Es como si un amigo te dijera que solo puedes comprar pizza de un lugar específico si quieres que te lleve a casa. Eso no es justo ni correcto.

Ejemplo Práctico

Imagina que Juan quiere comprar una casa y el banco le dice que solo le prestará dinero si compra un seguro de una compañía particular. Esto es ilegal, ya que Juan debería poder elegir cualquier compañía de seguros que desee.

Penalidades

Multa de hasta $1,000 para quienes cometan este delito, salvo para individuos o empleados responsables.

Texto Original del Estatuto (Inglés)

18 Pa.C.S. 7309 - Unlawful Coercion In Contracting Insurance (a) Offense defined.--A person is guilty of a misdemeanor of the first degree if he, being engaged in the business of financing the purchase of real or personal property or of lending money on the security of real or personal property, requires, as a condition precedent to financing the purchase of such property, or to lending money upon the security of a mortgage thereon, or as a condition prerequisite for the renewal or extension of any such loan or mortgage, or for the performance of any other act in connection therewith, that the person for whom such purchase is to be financed, or to whom the money is to be loaned, or for whom such extension, renewal or other act is to be granted or performed, shall negotiate through a particular insurance company, agent or broker, any policy of insurance or renewal thereof covering such property, or, with the exception of a group creditor policy, any policy covering the life or health of such person. (b) Exception.--This section shall prevent any person from approving or disapproving the insurance company selected to underwrite such insurance. (c) Penalty.--A person other than individuals or the responsible officers, agents or employees of a corporation, partnership or association, who commits an offense under this section shall be sentenced to pay a fine not exceeding $1,000. 18 Pa.C.S. 7310 - Furnishing Free Insurance As Inducement For Purchases (a) Offense defined.--A person is guilty of a misdemeanor of the third degree if he, being a manufacturer, broker, wholesaler, retailer or agent of any manufacturer, broker, wholesaler or retailer, offers any policy of insurance free of cost as an inducement to any person to purchase any real or personal property. (b) Excepti