Prioridad de Recuperación en Seguros de Vehículos

Explicación Simple

Cuando tienes un accidente, el seguro que cubre el coche que estabas usando primero paga los gastos. Si tienes otros seguros, ellos pueden ayudar a cubrir más costos después.

Es como si fueras a una tienda y pagas primero con tu tarjeta de regalo, y luego usas tu dinero en efectivo para pagar lo que falta.

Ejemplo Práctico

Imagina que Juan tiene dos seguros de auto. Estaba manejando su coche cuando tuvo un accidente. Su seguro paga los gastos del accidente primero, y luego puede pedirle a su otro seguro que ayude a cubrir lo que falta.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1733 - Priority Of Recovery (a) General rule.--Where multiple policies apply, payment shall be made in the following order of priority: (1) A policy covering a motor vehicle occupied by the injured person at the time of the accident. (2) A policy covering a motor vehicle not involved in the accident with respect to which the injured person is an insured. (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. (Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990) 75 Pa.C.S. 1734 - Request For Lower Limits Of Coverage A named insured may request in writing the issuance of coverages under section 1731 (relating to availability, scope and amount of coverage) in amounts equal to or less than the limits of liability for bodily injury. (Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990) Cross References.Section 1734 is referred to in section 1731 of this title. 75 Pa.C.S. 1993 - Repeal § 1735. Coverages unaffected by workers' compensation benefits (Repealed). 1993 Repeal. Section 1735 was repealed July 2, 1993, P.L.190, No.44, effective immediately. 75 Pa.C.S. 1736 - Coverages In Excess Of Required Amounts The coverages provided under this subchapter may be offered by insurers in amounts higher than those required by this chapter but may not be greater than the limits of liability specified in the bodily injury liability provisions of the insured's policy. 75 Pa.C.S. 1993 - Repeal § 1737. Workers' compensation benefits not a bar to uninsured and underinsured motorist benefits (