Beneficios por lesiones en accidentes de vehículos

Explicación Simple

Si tienes un accidente con un auto, hay un orden para recibir ayuda de seguros. Primero, te paga el seguro del auto que está a tu nombre, luego el del auto donde estabas, y así sucesivamente.

Es como en una cadena de favores: si pides ayuda a tu amigo, y él no puede, va y le pide a otro amigo hasta que alguien te ayude.

Ejemplo Práctico

Imagina que Juan está manejando su auto y tiene un accidente con el auto de María. Juan puede reclamar al seguro de su propio auto primero. Si su seguro no puede cubrir todos los gastos, entonces puede ir al seguro de María para obtener más ayuda.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1713 - Source Of Benefits (a) General rule.--Except as provided in section 1714 (relating to ineligible claimants), a person who suffers injury arising out of the maintenance or use of a motor vehicle shall recover first party benefits against applicable insurance coverage in the following order of priority: (1) For a named insured, the policy on which he is the named insured. (2) For an insured, the policy covering the insured. (3) For the occupants of an insured motor vehicle, the policy on that motor vehicle. (4) For a person who is not the occupant of a motor vehicle, the policy on any motor vehicle involved in the accident. For the purpose of this paragraph, a parked and unoccupied motor vehicle is not a motor vehicle involved in an accident unless it was parked so as to cause unreasonable risk of injury. (b) Multiple sources of equal priority.--The insurer against whom a claim is asserted first under the priorities set forth in subsection (a) shall process and pay the claim as if wholly responsible. The insurer is thereafter entitled to recover contribution pro rata from any other insurer for the benefits paid and the costs of processing the claim. If contribution is sought among insurers responsible under subsection (a)(4), proration shall be based on the number of involved motor vehicles. (Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984) 75 Pa.C.S. 1714 - Ineligible Claimants An owner of a currently registered motor vehicle who does not have financial responsibility or an operator or occupant of a recreational vehicle not intended for highway use, motorcycle, motor-driven cycle, motorized pedalcycle or like type vehicle required to be registered under this title cannot recover first party benefits. Cross References.Section 1714 is referred to in se