Asociacion de Suscripcion Conjunta
A while ago we were rear ended by another car who after hitting us quickly drove off. We were able to write down the license plate (GLC205) and note the color of the car (blue) as it fled the scene. There were several witnesses who stuck around and told us the vehicle was a blue Mitsubishi Outlander. After waiting about an hour for the police we finally drove to the police station. Two witnesses kindly drove there as well and talked to the police officer. The police officer looked up the license plate number we gave him and it did indeed match a blue Mitsubishi Outlander. The officer wrote down the name of the owner and address for us and took our report. He told us that in Puerto Rico cases like this are virtually never prosecuted and that even if it was taken to court it was extremely doubtful we would win. We are still waiting (without expectations) for that to happen. Our insurance company paid for the damage minus our deductible which they told us we should be able to collect by going through the Asociacion de Suscripcion Conjunta (please forgive the lack of accent marks). Every car in Puerto Rico is required to pay $99 for this mandatory supplemental insurance which is intended to make sure that all cars are minimally insured. We spent the better part of four days waiting in line at the office for Asociacion de Suscripcion Conjunta in order to get in and provide the necessary paperwork (police report etc.). They told us that we have to prove the person who hit and fled the scene was insured. We asked if they could just look the person up since they had the name from the police report. They said they do not keep a complete list of all their insured and that since they only represent the party at fault even if we prove they are insured they have to show up to an appointment (which is voluntary) and admit to being at fault in order for Asociacion de Suscripcion Conjunta to pay. It doesn't take an Einstein to realize that very few claims are ever paid out! When we asked what percentage of claims were paid out we were told that information was unavailable. We were told that out of the $99 required for each registered car (approx. 3.2 million vehicles are registered in PR), $7 goes to the government and the rest of the money after expenses (offices, staff, insurance payouts, etc.) is divided up among the PR insurance companies. Is it just me or does this seem incredibly corrupt?