Si tienes un accidente de auto, no siempre eres responsable de pagar por los daños. Hay varias razones por las que puedes estar exento, como tener un seguro o si alguien usó tu auto sin permiso.
Es como tener un paraguas en un día nublado. Aunque llueva, si tienes un buen paraguas (tu seguro), te mantendrás seco y no te preocupas por mojarte.
Imagina que Juan presta su auto a su amigo Pedro, pero Pedro tiene un accidente. Si Juan tenía un seguro de auto al momento del accidente, él no tiene que preocuparse por pagar los daños. Sin embargo, si Pedro usó el auto sin el permiso de Juan, Juan también podría estar protegido.
SECTION 56-9-352. Exceptions. Section 56-9-351 shall not apply to any of the following: (1) The operator or owner if the owner had in effect at the time of the accident an automobile liability policy with respect to the motor vehicle involved in the accident; (2) The operator, if not the owner of the motor vehicle, if there was in effect at the time of the accident an automobile liability policy or bond with respect to his operation of motor vehicles not owned by him; (3) The operator or owner if the liability of the operator or owner for damages resulting from the accident is, in the judgment of the Department of Motor Vehicles, covered by any other form of liability insurance policy or bond; (4) Any person qualifying as a self-insurer under Section 56-9-60 of this chapter; (5) The operator or owner of a motor vehicle involved in an accident wherein no injury or damage was caused to the person or property of any one other than such owner or operator; (6) The owner of a motor vehicle if at the time of the accident the vehicle was being operated without his permission, express or implied, or was parked by a person who had been operating the motor vehicle without his permission, express or implied; (7) If, before the date that the Department would otherwise suspend the license and registration or nonresident's operating privilege under Section 56-9-351, there shall be filed with the Department evidence satisfactory to it that the person who would otherwise have to file security (a) has been released from liability, (b) has been finally adjudicated not to be liable, (c) has executed a warrant for confession of judgment, payable when and in such installments as the parties have agreed to or (d) has executed a duly acknowledged written agreement, providing for the payment of
Si tenías un seguro en vigor, es probable que no tengas que pagar los daños de tu bolsillo, ya que el seguro cubrirá los costos.
Si tu auto fue utilizado sin tu permiso y hubo un accidente, podrías estar exento de responsabilidad, ya que no diste autorización para su uso.
Sí, si puedes mostrar evidencia de que no eres responsable del accidente, como un acuerdo de pago o una liberación de responsabilidad, podrías evitar sanciones.
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