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PC 848

Para enmendar los artículos 2 y 3 de la Ley Núm. 253-1995, según enmendada, conocida como “Ley de Seguro de Responsabilidad Obligatorio para Vehículos de Motor”, a los fines de extender la indemnización provista a los daños causados a la propiedad pública como consecuencia de un accidente automovilístico; para aumentar la cubierta a seis mil dólares ($6,000) por accidente; y para otros fines relacionados.

2025-2028 Session

Expands mandatory auto liability law to cover damages to public property from accidents and raises the per-accident cap to $6,000, expanding claims and insurer exposure.

Referido a Comisión(es)
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Bill Summary · PC 848

Summary of PC 848

Overview

PC 848 is a bill introduced in the legislative session on September 11, 2025. Its primary aim is to amend Articles 2 and 3 of Law No. 253-1995, as amended, known as the Mandatory Auto Liability Insurance Law. The key changes proposed are to extend indemnification for damages to public property caused by motor vehicle accidents and to raise the insurance coverage limit to $6,000 per accident. The bill is currently referred to one or more committees.

Key Provisions

  • Amend Articles 2 and 3 of the Mandatory Auto Liability Insurance Law (Law No. 253-1995, as amended).
  • Extend the indemnification provided under the law to include damages to public property resulting from a motor vehicle accident.
  • Increase the coverage limit from the existing level to six thousand dollars ($6,000) per accident.
  • Include other related adjustments or clarifications as needed to implement the broadened indemnification.

Affected Parties and Stakeholders

  • Vehicle owners/licensees who are required to carry mandatory auto liability insurance.
  • Insurance carriers providing coverage under the Mandatory Auto Liability Insurance Law.
  • Public property owners and custodians (e.g., municipalities, state agencies) seeking recovery for damages caused by motor vehicle accidents.
  • Policyholders and claimants who would be eligible for indemnification under the expanded coverage.

Financial and Policy Implications

  • Potentially higher exposure for insurers due to the expanded scope (damages to public property) and the increased per-accident cap.
  • Possible changes in premium structures or policy terms to reflect the higher coverage limit.
  • Clarifications or definitions needed for what constitutes “public property” and the process for filing and validating such claims.

Procedural and Timeline Notes

  • Introduced and filed on September 11, 2025 (radicado).
  • Appears in the First Reading in the Chamber on September 11, 2025.
  • Currently referred to one or more committees for study and possible amendments.
  • No further actions (e.g., committee hearings, votes) are listed yet; additional steps will depend on committee schedules and legislative proceedings.

Potential Impacts and Considerations

  • Public sector entities may experience improved remedies for property damages caused by vehicle accidents.
  • Insurers and policyholders should anticipate updates to coverage terms and claim processes.
  • Practitioners and claimants will need clear guidance on eligibility, documentation, and dispute resolution for damages to public property.

Next Steps

  • Monitor committee hearings and any authored amendments.
  • Review fiscal notes or impact analyses (if released) to understand cost implications.
  • Prepare stakeholder input opportunities or public commentary during the committee process.

Compiled from official sources — confirm details with the bill’s official record.

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