Pago de Beneficios de Seguro de Vehículos en Pensilvania

Explicación Simple

Si tienes un accidente y tu seguro debe pagarte, tienen 30 días para hacerlo después de que les demuestres cuánto necesitas. Si no lo hacen, te deben intereses y posiblemente pagar a tu abogado si actuaron de forma injusta.

Es como cuando le prestas dinero a un amigo y le dices que te lo devuelva en un mes. Si no lo hace, debe pagarte más porque se tardó, y si no te paga, tú puedes pedir ayuda a otro amigo para que lo convenza.

Ejemplo Práctico

Imagina que Juan tuvo un accidente y su seguro debe cubrir sus gastos médicos. Juan envía la factura al seguro y espera el pago. Si el seguro no le paga en 30 días, Juan puede pedir intereses sobre el dinero que no le han pagado.

Penalidades

Si el seguro no paga a tiempo y se demuestra que actuó injustamente, deberá pagar intereses y los honorarios del abogado.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1716 - Payment Of Benefits Benefits are overdue if not paid within 30 days after the insurer receives reasonable proof of the amount of the benefits. If reasonable proof is not supplied as to all benefits, the portion supported by reasonable proof is overdue if not paid within 30 days after the proof is received by the insurer. Overdue benefits shall bear interest at the rate of 12% per annum from the date the benefits become due. In the event the insurer is found to have acted in an unreasonable manner in refusing to pay the benefits when due, the insurer shall pay, in addition to the benefits owed and the interest thereon, a reasonable attorney fee based upon actual time expended. 75 Pa.C.S. 1717 - Stacking Of Benefits First party benefits shall not be increased by stacking the limits of coverage of: (1) multiple motor vehicles covered under the same policy of insurance; or (2) multiple motor vehicle policies covering the individual for the same loss. (Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984) 75 Pa.C.S. 1990 - Amendment References in Text.The act of June 5, 1968 (P.L.140, No.78), referred to as the Automobile Insurance Policy Act, referred to in subsec. (c)(1), was repealed by the act of June 17, 1998, P.L.464, No.68. The subject matter is now contained in Article XX of the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921.