Cobertura de responsabilidad civil para vehículos en Carolina del Sur

Explicación Simple

Esta ley habla de las pólizas de seguro que necesitas para manejar un auto. Asegura que si tienes un accidente, tu seguro te cubra y que no puedas cancelar el seguro sin aviso previo.

Es como tener una red de seguridad mientras caminas por un puente. Si caes, esa red te salvará, pero debes asegurarte de que esté bien colocada y que no la quites sin avisar.

Ejemplo Práctico

Imagina que Juan tiene un auto y ha contratado un seguro de responsabilidad civil. Si tiene un accidente y causa daños, su seguro se hará cargo de los gastos. Sin embargo, si Juan decide cambiar de seguro, debe avisar con diez días de anticipación para que no se quede sin cobertura.

Texto Original del Estatuto (Inglés)

s this excess or additional coverage, the term "motor vehicle liability policy" shall apply only to that part of the coverage which is required by this article. (e) Additional permissible provisions. Any motor vehicle liability policy may provide: (1) That the insured shall reimburse the insurance carrier for any payment the insurance carrier would not have been obligated to make under the terms of the policy except for the provisions of this chapter; and (2) For the prorating of the insurance thereunder with other valid and collectible insurance. (f) Requirements may be met by several policies. The requirements for a motor vehicle liability policy may be fulfilled by the policies of one or more insurance carriers which policies together meet such requirements. (g) Legal binder deemed to meet requirements. Any legal binder issued pending the issuance of a motor vehicle liability policy shall be considered as fulfilling the requirements for such policy. (h) Notice required to cancel certified policy; cancellation by subsequent policy. When an insurance carrier has certified a motor vehicle liability policy under Sections 56-9-550 or 56-9-560, the insurance so certified shall not be cancelled or terminated until at least ten days after a notice of cancellation or termination of the insurance certified shall be filed with the Department of Motor Vehicles, except that a policy subsequently procured and certified shall at 12:01 A. M., on the effective date of its certification, terminate the insurance previously certified with respect to any motor vehicle designated in both certificates. (i) Other required policies unaffected. This chapter shall not be held to apply to or affect policies of automobile insurance against liability insuring public carriers or policies which may