Seguros y GravámenesPregunta 1509 de 1632

A certificate of insurance shows a policy in force for a full year, but the insurer cancelled that policy the following week. The holder's coverage is:

a.Guaranteed for the entire year that the certificate states
b.Governed by the policy, so the cancellation controls
c.Extended by thirty days as a matter of law in every case
d.Transferred to the holder's own liability policy

Explicación

A certificate of insurance is evidence of what was in force on the day it was issued; it is not part of the policy, it does not bind the insurer, and its own text usually says so. If the policy was properly cancelled, there is no coverage whatever dates the certificate carries. (c) is the 30-day notice-of-cancellation term that appears in contracts and in some endorsements — a promise to tell the holder that coverage is ending, not a promise of 30 more days of it, and not a rule of law. (a) is the certificate-as-contract error. (d) confuses the holder's own program with the contractor's; nothing transfers between policies.

Referencia Legal: —

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Revisado por Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verificar)
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