Along with its beautiful beaches Puerto Rico is also known for its crowded and dangerous roadways. Because car insurance laws are very relaxed for Puerto Ricans and the influx of tourists each day it is very important that all motorists maintain adequate insurance coverage for their vehicles. CarInsuranceQuotes.com knows how time consuming shopping for low cost car insurance can be for our Puerto Rican customers. To make things easier, CarInsuranceQuotes.com searches online companies to find the best car insurance values from top-rated companies.
Puerto Rico Car Insurance Minimums
Puerto Rico has a no-fault policy for its motorists. Like many of the states that use the no-fault ruling, this means that Puerto Ricans are expected to use their own insurance to cover damages and medical expenses regardless of who is at fault in the accident. There are exceptions to this no-fault rule, however. If the damages are too severe or the cost of the accident exceeds a certain monetary value the motorist found to be at fault can be sued for the damages.
In the event that a driver is involved in an accident and is found to be at fault, liability coverage helps pay for vehicle and property damages as well as medical expenses. Unfortunately, Puerto Rico does not require that its motorists maintain any liability coverage on their vehicles, though it is strongly recommended that all Puerto Rican motorists obtain minimum bodily injury protection of $100,000 for a single person and $300,000 for multiple persons as well as $100,000 in property damage liability for their vehicle.
Because liability coverage is not a requirement in Puerto Rico, Uninsured Motorist protection similar to the recommended liability protection is also a good idea. In the event the insured person is involved in an accident where the other party is not insured or has insufficient coverage or their vehicle is damaged during a hit and run, Uninsured Motorist protection helps pay for repairs to the insured’s vehicle and any medical expenses they may have.
Comprehensive and Collision coverage is also strongly recommended for Puerto Rican motorists. Comprehensive and Collision insurance will pay for repairs to the insured’s vehicle and their medical expenses when they are deemed to be at fault in an accident or when the other driver’s insurance is not sufficient to cover damages when they are at fault as well as damages to the vehicle when it is damaged by wildlife or another act of nature.
CarInsuranceQuotes.com understands how important it is to saving money is to our Puerto Rico customers and that is why we have partnered with well-known car insurance companies to find the multiple car insurance quotes online quickly and easily. After entering their Zip code and answering a few questions about their driving history, CarInsuranceQuotes.com will search our online partners and find multiple quotes that our Puerto Rico customers can choose from. And the entire process takes less than five minutes. Let CarInsuranceQuotes.com do the research for you when you need Puerto Rico car insurance quotes for your vehicles.