- Thread starter NanSanPedro
- Start date
Car Insurance
We have insurance through universal. I'm going to check over the details this morning. Since this thread will be helpful to refer to and others.. Can you expand on what is conductor coverage?
Someone else can probably explain it more concisely, but basically it’s coverage that keeps you out of jail in case of an accident. It’s only valid in certain places, Santo Domingo is one of them.
Casa de Conductor on Bolivar is for Universal, the other one on Ave. Kennedy is for the other insurance companies.
Nan It my be too late,
1. This is a diffcult question. Its about Residency? Driving Permit and of course most important Liability.....
2. minimun liability is a joke around 50000pesos, go for much higher liability.
3. At least 5 million pesos
4. It better with an agent than having to deal directly with insurance company. In case of claim the agent would take care of things with the insurance company. If not too late I can recommend an agent in Sano Domingo.(PM me if needed)....I do not think you will find one in San Pedro or Boca Chica, I did not.
5. Yes Grua (towing) and of course Casa de condutor. (both cheap if not already included). Personally a I would not insurance a 2014 vehicle for damages, bodily and paint work here is cheap.
I would definitely want Exceso Civil added, I always go up to the maximum RD$ 15 Million. Little story about this. I met a lady who was from Europe, working in Punta Cana. She was driving on the highway one night back from work, a young guy comes straight across in front of her on a motorbike. She has no chance to stop, kills him. He was drunk, the bike was old and in a really bad state, no lights. But his family were well known and popular in Veron, not rich but well known and popular.
She was arrested at the scene (this is normal) but released a few hours later pending the investigation. She was advised she would not be allowed to leave the country until everything was settled (again normal). The case went to court, the insurance company paid out their RD$ 1M (even though everyone kind of knew it wasn't her fault, we all know how Dominican courts work). The family, the girlfriend, the aunty, all start holding their hands out, everyone is on the young boy's side, the case goes on and on. Eventually it took years to settle, and the lady ended up paying a huge amount (I think somewhere like US$ 30,000) to make it go away. During this time her mother got cancer and she was not allowed to leave the country.
This happened years ago but I seem to remember us discussing it on here, maybe it will ring a bell with some of the older members of the forum. And that's why I would recommend always maxing out your third party liability. If the insurance company is on the hook for RD$ 1M, they may well just pay and go. If it's RD$ 15M, that's a lot of cheese and they will try a bit harder to make things go away. And personally I prefer to have someone else drive and use Uber in the city rather than having a car. It's just a lot easier if things go wrong.
She was arrested at the scene (this is normal) but released a few hours later pending the investigation. She was advised she would not be allowed to leave the country until everything was settled (again normal). The case went to court, the insurance company paid out their RD$ 1M (even though everyone kind of knew it wasn't her fault, we all know how Dominican courts work). The family, the girlfriend, the aunty, all start holding their hands out, everyone is on the young boy's side, the case goes on and on. Eventually it took years to settle, and the lady ended up paying a huge amount (I think somewhere like US$ 30,000) to make it go away. During this time her mother got cancer and she was not allowed to leave the country.
This happened years ago but I seem to remember us discussing it on here, maybe it will ring a bell with some of the older members of the forum. And that's why I would recommend always maxing out your third party liability. If the insurance company is on the hook for RD$ 1M, they may well just pay and go. If it's RD$ 15M, that's a lot of cheese and they will try a bit harder to make things go away. And personally I prefer to have someone else drive and use Uber in the city rather than having a car. It's just a lot easier if things go wrong.
Yep. Nothing to do with gringos. The haves will always be pursued by the have nots, no matter their nationality.
Yep, one of our clients, Dominican, ran over a drunk passed out on the road. The police believe he had already been hit by somebody else, as he already had tiretracks on his clothing. Our client ended up paying out 1.5 million pesos to the family of the drunk, even with them saying that the guy often passed out on the road.
Yep. If you see someone laying in the road like they've been the victim of a hit-and-run, best not to stop. You'll end up being accused.
Much easier not to drive unless you really have to.
It is absolutely tragic that if you pick up an injured person and take the person to hospital, that you are likely to spend a day or night in prison and possibly be charged . It just another example of the dreadful legal system in this country.
I do not believe that is still true. I don't remember details but it was changed a few years ago.
It was not true in my case! The driver of the minivan that caused my injuries when I was hurt in Puerto Plata did in fact take me to Centro Medico Bournigal and sent a taxi driver to take me home when I was released from the hospital. I had major injuries and he never was jailed.
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I think you misunderstood my comment, Profe.
I'm saying if you're driving on a road and come across an injured person, you can take them to a hospital without fear of being detained.
If you are the driver who struck someone and took them to a hospital, that may turn out differently
I'm saying if you're driving on a road and come across an injured person, you can take them to a hospital without fear of being detained.
If you are the driver who struck someone and took them to a hospital, that may turn out differently
if you message me I can send a few quotes for auto insurance