Puerto Rico is a lovely place to visit and those who call this U.S. territory home are very lucky. One drawback to living in Puerto Rico is the roadway system, which is both crowded and dangerous. To reduce litigation regarding auto accidents. Puerto Rico adopted a no fault auto insurance provision for its residents in 1970, adding to the twelve no fault insurance states of U.S and Ontario.

Though the insured’s insurance will pay for medical expenses regardless of which party is found at fault, there are exceptions. If the damages are very severe or the cost of the accident surpasses a certain monetary value, the at-fault driver may be sued. This party can use liability coverage to pay for property damage, vehicle damage, and medical expenses.

One problem with this scenario is that vehicle liability coverage is not required of drivers in Puerto Rico. Drivers are advised to obtain at least $100,000 per person and $300,000 per accident in bodily injury protection. They should also get at least $100,000 worth of property damage liability to cover their own vehicle.

If a hit and run or accident with an uninsured motorist occurs, a driver will be responsible for the total cost to repair the vehicle and pay for medical expenses. It is recommended that drivers get uninsured motorist coverage because this will help pay for medical expenses and repairs to their vehicle. Motorists in Puerto Rico should also obtain comprehensive and collision coverage. Collision coverage will pay for the insured’s medical expenses and vehicle repairs when the insurance held by the other driver is not able to cover these costs.

Drivers in Puerto Rico should contact their insurance agents to make sure they have an adequate level of coverage for all possible situations. Realizing after an accident occurs that insufficient coverage is held will only add more stress to the situation. Drivers should get their insurance up to par now to prevent worry later.