Provisiones Especiales sobre Aumentos de Primas de Seguros

Explicación Simple

Si tienes un seguro de auto y haces un reclamo, tu prima no puede subir solo por eso, a menos que seas culpable del accidente. Además, si te multan por algo, no deberías pagar más por tu seguro solo por la multa.

Es como si en el fútbol te penalizan por una falta, pero no te quitan puntos solo por intentar jugar. Solo si haces una falta grave, entonces sí hay consecuencias.

Ejemplo Práctico

Imagina que Juan tiene un seguro de auto. Un día, tiene un accidente y hace un reclamo. La aseguradora no puede aumentar su prima solo por hacer el reclamo a menos que se demuestre que él fue el culpable del accidente. Si Juan recibe una multa por exceso de velocidad, su prima tampoco debería subir solo por eso.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1793 - Special Provisions Relating To Premiums (a) Limitation on premium increases.-- (1) An insurer shall not increase the premium rate of an owner of a policy of insurance subject to this chapter solely because one or more of the insureds under the policy made a claim under the policy and was paid thereon unless it is determined that the insured was at fault in contributing to the accident giving rise to the claim. (2) No insurer shall charge an insured who has been convicted of a violation of an offense enumerated in section 1535 (relating to schedule of convictions and points) a higher rate for a policy of insurance solely on account of the conviction. An insurer may charge an insured a higher rate for a policy of insurance if a claim is made under paragraph (1). (b) Surcharge disclosure plan.--All insurers shall provide to the insured a surcharge disclosure plan. The insurer providing the surcharge disclosure plan shall detail the provisions of the plan including, but not limited to: (1) A description of conditions that would assess a premium surcharge to an insured along with the estimated increase of the surcharge per policy period per policyholder. (2) The number of years any surcharge will be in effect. The surcharge disclosure plan shall be delivered to each insured by the insurer at least once annually. Additionally, the surcharge information plan shall be given to each prospective insured at the time application is made for motor vehicle insurance coverage. (c) Return of premiums of canceled policies.--When an insurer cancels a motor vehicle insurance policy which is subject to section 6(3) of the act of June 5, 1968 (P.L.140, No.78), relating to writing, cancellation of or refusal to renew policies of automobile insurance, the insurer shall withi