Aviso sobre los Beneficios y Límites de Seguro en Pensilvania

Explicación Simple

Cuando compras un seguro de auto en Pensilvania, las compañías deben informarte sobre lo que cubre y los límites de esa cobertura. Esto incluye cosas como gastos médicos y beneficios por accidentes. Es importante saberlo para estar protegido.

Es como cuando vas a un restaurante y el menú te dice qué platos tienen y sus precios. Así sabes qué puedes pedir y cuánto te costará cada opción.

Ejemplo Práctico

Imagina que Juan tiene un accidente de auto y se lesiona. Su seguro, que compró en Pensilvania, le cubre hasta $100,000 en gastos médicos. Esto significa que si sus gastos médicos son menores a esa cantidad, el seguro pagará todo, ayudando a Juan a no preocuparse por las cuentas.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1791 - Notice Of Available Benefits And Limits It shall be presumed that the insured has been advised of the benefits and limits available under this chapter provided the following notice in bold print of at least ten-point type is given to the applicant at the time of application for original coverage, and no other notice or rejection shall be required: IMPORTANT NOTICE Insurance companies operating in the Commonwealth of Pennsylvania are required by law to make available for purchase the following benefits for you, your spouse or other relatives or minors in your custody or in the custody of your relatives, residing in your household, occupants of your motor vehicle or persons struck by your motor vehicle: (1) Medical benefits, up to at least $100,000. (1.1) Extraordinary medical benefits, from $100,000 to $1,100,000 which may be offered in increments of $100,000. (2) Income loss benefits, up to at least $2,500 per month up to a maximum benefit of at least $50,000. (3) Accidental death benefits, up to at least $25,000. (4) Funeral benefits, $2,500. (5) As an alternative to paragraphs (1), (2), (3) and (4), a combination benefit, up to at least $177,500 of benefits in the aggregate or benefits payable up to three years from the date of the accident, whichever occurs first, subject to a limit on accidental death benefit of up to $25,000 and a limit on funeral benefit of $2,500, provided that nothing contained in this subsection shall be construed to limit, reduce, modify or change the provisions of section 1715(d) (relating to availability of adequate limits).