Plan de Riesgo Asignado en Pensilvania

Explicación Simple

El Plan de Riesgo Asignado ayuda a las personas que tienen problemas para conseguir seguro de auto. Este plan establece reglas para calcular los costos y asegurar que todos tengan acceso al seguro, incluso si son considerados de alto riesgo.

Es como un club exclusivo donde algunos no son aceptados, pero este plan asegura que todos tengan una membresía, aunque algunos tengan que pagar más.

Ejemplo Práctico

Imagina que Juan tiene un historial de accidentes y no puede conseguir seguro. Gracias al Plan de Riesgo Asignado, él puede obtener un seguro de auto a través de un agente que sigue ciertas reglas, lo que le permite manejar legalmente y sin preocupaciones.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1742 - Scope Of Plan The Assigned Risk Plan shall: (1) Include rules for the classification of risks and rates therefor. (2) Provide for the installment payment of premiums subject to customary terms and conditions. (3) Provide rules for the equitable apportionment among participating insurers of clean risks who shall be eligible to receive the insurer's voluntary rate. (4) Provide rules to specify the effective date and time of coverage, provided that applicants may only obtain coverage effective as of the date and time of the application if the agent or broker of record uses electronic mail binding procedures specified in the rules. (Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990) 75 Pa.C.S. 1743 - Rates All rates for the Assigned Risk Plan shall be subject to the act of June 11, 1947 (P.L.538, No.246), known as The Casualty and Surety Rate Regulatory Act, and shall not be inadequate, excessive or unfairly discriminatory. 75 Pa.C.S. 1744 - Termination Of Policies Cancellation, refusal to renew and other termination of policies issued under the Assigned Risk Plan shall be in accordance with the rules of the plan. 75 Pa.C.S. 1751 - Organization Insurers providing financial responsibility as required by law shall organize and maintain, subject to the approval and regulation of the Insurance Department, an Assigned Claims Plan and adopt rules for the operation and for the assessment of costs on a fair and equitable basis.