Driving gives you the freedom to go wherever you want, but it can also be dangerous. It’s important to remember that accidents can happen on the road, even if you drive carefully. For example, you might rear-end a car at a stoplight or scratch another car while parking. No matter how cautious you are, accidents can occur unexpectedly. And if you damage another car, person or property, you’re responsible for paying for it.
To assist you in case of these types of accidents, the Government of Puerto Rico requires all cars and motor vehicles to have Compulsory Liability Insurance, also known as Mandatory Insurance (Seguro Obligatorio). This insurance is used to cover the damage you may cause to other people, physical property, or other cars if you have an accident with yours. As its name suggests, it is mandatory, and not having it can have serious consequences.
COMPULSORY INSURANCE protects you if you cause an accident with your car. It may cover:
- Medical expenses: If you cause an accident, it pays for the medical treatment of other injured people, including hospital stays and rehabilitation.
- Car repairs: It covers the costs of repairing other cars damaged in the accident, including labor and parts.
- Property damage: It pays for repairs to things like buildings, fences, or poles that you may damage.
Be aware that this insurance does not pay for your own medical expenses or damage to your car. You’ll need additional insurance for that. Triple-S Property offers you the opportunity to purchase Compulsory Insurance.
To select it, follow these steps:
- Inspect your car when it’s time to renew your registration. Remember that the registration sticker is no longer a physical sticker on your windshield. Now, in most cases, it’s linked to your Autoexpreso account information.
- Download the “CESCO Digital” app on your cell phone, computer, or tablet.
- Enter the required information to purchase your registration.
- Remember to select “Trust,” Triple-S Property.
As you’ve read before, having this insurance is mandatory. Not having it may result in a $500 fine. Additionally, the police will issue a citation and remove your car’s license plate, which means you won’t be able to use it on the road.
Visit this link on the internet to learn more details: Compulsory Liability Auto Insurance</strong
