Renuncia a límites acumulados de cobertura de automovilistas subasegurados

Explicación Simple

Si tienes un seguro de auto, puedes decidir si quieres que tu cobertura funcione con todos tus autos juntos o solo con uno. Si eliges no juntar los límites, pagarás menos por tu seguro. Es una opción que puedes elegir al firmar un documento.

Es como si tuvieras varias cuentas de ahorro. Puedes juntar todo el dinero en una sola cuenta para tener más ahorro, o dividirlo en varias cuentas y tener menos en cada una. A veces, dividirlo puede hacer que te cueste menos mantenerlas.

Ejemplo Práctico

María tiene dos autos y su seguro le ofrece la opción de juntar la cobertura en uno solo. Decide renunciar a esta opción firmando un documento, así su seguro es más barato. Si un día tiene un accidente y el otro conductor no tiene suficiente seguro, solo podrá reclamar la cantidad limitada que eligió al no juntar las coberturas.

Texto Original del Estatuto (Inglés)

(2) The named insured shall be informed that he may exercise the waiver of the stacked limits of underinsured motorist coverage by signing the following written rejection form: UNDERINSURED COVERAGE LIMITS By signing this waiver, I am rejecting stacked limits of underinsured motorist coverage under the policy for myself and members of my household under which the limits of coverage available would be the sum of limits for each motor vehicle insured under the policy. Instead, the limits of coverage that I am purchasing shall be reduced to the limits stated in the policy. I knowingly and voluntarily reject the stacked limits of coverage. I understand that my premiums will be reduced if I reject this coverage. (e) Signature and date.-- The forms described in subsection (d) must be signed by the first named insured and dated to be valid. Any rejection form that does not comply with this section is void. (Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990) 1990 Amendment. Act 6 added section 1738. 75 Pa.C.S. 1741 - Establishment The Insurance Department shall, after consultation with the insurers licensed to write motor vehicle liability insurance in this Commonwealth, adopt a reasonable Assigned Risk Plan for the equitable apportionment among those insurers of applicants for motor vehicle liability insurance who are entitled to, but are unable to, procure insurance through ordinary methods. When the plan has been adopted, all motor vehicle liability insurers shall subscribe thereto and shall participate in the plan. The plan may provide reasonable means for the transfer of individuals insured thereunder into the ordinary market, at the same or lower rates, pursuant to regulations established by the department.