Requisitos y limitaciones sobre beneficios de seguros automovilísticos en PA

Explicación Simple

Si tienes un accidente de auto, no puedes pedir más dinero si ya recibiste beneficios de tu seguro o de compensación laboral. Esto significa que solo puedes recibir lo que te corresponde una vez.

Es como si en una carrera de bicicletas, ya hubieras ganado una medalla por tu esfuerzo. Si después quieres otra medalla por el mismo esfuerzo, no te la darán porque ya tienes una.

Ejemplo Práctico

Imagina que Juan tiene un accidente de auto y su seguro le paga $5,000 por sus gastos médicos. Luego, intenta demandar al conductor que le causó el daño para obtener otros $5,000. Pero como ya recibió dinero de su seguro, no podrá reclamar esa segunda cantidad.

Texto Original del Estatuto (Inglés)

75 Pa.C.S. 1993 - Partial Repeal § 1722. Preclusion of recovering required benefits. In any action for damages against a tortfeasor, or in any uninsured or underinsured motorist proceeding, arising out of the maintenance or use of a motor vehicle, a person who is eligible to receive benefits under the coverages set forth in this subchapter, or workers' compensation, or any program, group contract or other arrangement for payment of benefits as defined in section 1719 (relating to coordination of benefits) shall be precluded from recovering the amount of benefits paid or payable under this subchapter, or workers' compensation, or any program, group contract or other arrangement for payment of benefits as defined in section 1719. (Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Apr. 26, 1989, P.L.13, No.4, eff. imd.; Feb. 7, 1990, P.L.11, No.6, eff. July 1, 1990) 1993 Partial Repeal. Section 25(b) of Act 44 provided that section 1722 is repealed insofar as it relates to workers' compensation payments or other benefits payable under the Workers' Compensation Act. 75 Pa.C.S. 1723 - Reporting Requirements Beginning December 31, 1986, and each year thereafter, each insurance company writing automobile insurance in this Commonwealth shall file with the Insurance Department the number of its insureds, the number of its insureds who have purchased first party medical benefits in excess of the minimum required by section 1711 (relating to required benefits) and the number of insureds who have purchased first party medical benefits under section 1715(a)(1) and (1.1) (relating to availability of adequate limits). The Insurance Department shall furnish this information to the General Assembly annually. (Feb. 12, 1984, P.L.53, No.12, eff. Oct. 1, 1984; Apr. 26, 1989, P.L.13, No.4