Requisitos de pólizas de seguro de vehículos en Carolina del Sur

Explicación Simple

En Carolina del Sur, si tienes un carro, necesitas un seguro que cumpla ciertas reglas. Si tu auto no está registrado en el estado, el seguro debe tener un permiso especial para funcionar aquí.

Es como si quisieras jugar en un equipo de fútbol de una ciudad, pero necesitas un permiso del entrenador para poder jugar en su cancha.

Ejemplo Práctico

Imagina que Ana vive en Carolina del Sur pero compró un auto en Georgia. Si Ana quiere que su seguro sea válido en Carolina del Sur, su compañía de seguros debe asegurarse de que tiene un permiso para operar en ese estado, de lo contrario, su póliza no servirá si tiene un accidente.

Texto Original del Estatuto (Inglés)

SECTION 56-9-353. Type and terms of policy or bond. No policy or bond shall be effective under Sections 56-9-351 and 56-9-352 unless issued by an insurance company or surety company licensed and authorized by the South Carolina Department of Insurance to do business in this State, except that if the motor vehicle was not registered in this State or was a motor vehicle which was registered elsewhere than in this State at the effective date of the policy or bond or the most recent renewal thereof, the policy or bond shall not be effective under Sections 56-9-351 and 56-9-352 unless the insurance company or surety company if not authorized to do business in this State shall execute a power of attorney authorizing the Department of Motor Vehicles to accept service on its behalf of notice of process in any action upon the policy or bond arising out of the accident. Every policy or bond must be subject, if the accident has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, and subject to this limit for one person, to a limit of not less than fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident, and, if the accident has resulted in injury to or destruction of property, to a limit of not less than twenty-five thousand dollars because of injury to or destruction of property of others in any one accident. HISTORY: 1978 Act No. 467 SECTION 1; 2013 Act No. 47, SECTION 3, eff January 1, 2014.