Requisitos para ser autoasegurador de vehículos en Carolina del Sur

Explicación Simple

Si tienes más de 25 vehículos, puedes ser tu propio asegurador. Necesitas demostrar que puedes pagar si algo sale mal, como un accidente.

Es como si tuvieras una gran caja de herramientas y decides no usar un taller, pero debes asegurarte de que tienes todo lo necesario para arreglar cualquier problema que surja.

Ejemplo Práctico

Imagina que Juan tiene una flota de 30 camiones para su negocio de mudanzas. Para ser su propio asegurador, debe mostrar que tiene al menos 20 millones de dólares en activos y que puede cubrir cualquier daño que sus camiones causen en un accidente.

Texto Original del Estatuto (Inglés)

SECTION 56-9-60. Self-insurers for motor vehicles; determination of financial responsibility. (A) A person or company who has more than twenty-five motor vehicles registered in his name may qualify as a self-insurer provided that the department is satisfied that the person or company is able to pay any judgments obtained against the person or company. Upon not less than ten days' notice, the department may issue a staff determination canceling self-insurer status when the requirements for the status no longer are met. The notice must provide that a person aggrieved by the staff determination may file a request for a contested case hearing with the Office of Motor Vehicle Hearings in accordance with its rules of procedure. The person or company must submit the following information to the department for it to determine financial responsibility: (1) a copy of the applicant's latest financial statement prepared by a certified public accountant licensed to do business in South Carolina, indicating that the applicant has a positive net worth; (2) a current list of all vehicles registered in applicant's name; (3) the applicant's procedural guidelines for processing claims; and (4) the applicant must have a net worth of at least twenty million dollars or the department may require the applicant to deposit in a segregated self-insured claims account the sum of three thousand dollars for each vehicle to be covered by the self-insurer's certificate. Eighty percent must be cash or an irrevocable letter of credit issued by a bank chartered in this State or a member bank of the federal reserve system, and the remaining twenty percent may be satisfied by the "quick sale" appraised value of real estate located in the State, as certified by a licensed appraiser. The three thousand doll