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es. Every vehicle in Puerto Rico must have at least the Compulsory Liability Insurance (Seguro Compulsorio) to cover damages to third-party vehicles. However, we highly recommend adding supplemental liability or “Full Cover” to protect your own investment and medical expenses.
Liability only pays for damages you cause to others. “Full Cover” typically includes Collision (accidents) and Comprehensive (theft, vandalism, or natural disasters like floods)—which is highly recommended given the tropical weather in Puerto Rico.
Most of our premium and full-cover plans include 24/7 Roadside Assistance. This is vital for drivers in Maricao due to the steep terrain and rural roads. We cover towing, locksmith services, and fuel delivery.
You can lower your rates by increasing your deductible, maintaining a clean driving record, or bundling your auto insurance with home or life policies. Ask our agents about available local discounts!
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