Código de Vehículo § 16028 (a) VC – Prueba de Responsabilidad Financiera (Seguro)

Código de Vehículos § 16028(a) VC requiere que los conductores en California lleven prueba de responsabilidad financiera. Esto simplemente significa prueba de seguro de automóvil. Los conductores deben proporcionar esta documentación a las autoridades cuando se les solicite.

Una citación en California por no llevar seguro es una infracción. Esto se opone a un delito menor o un delito grave en California. Los infractores recibirán una multa y deberán pagar una multa de $100 a $200.

Los requisitos mínimos de seguro para vehículos de pasajeros privados son:

• $30,000 para lesiones/muerte a una persona,
• $60,000 para lesiones/muerte a más de una persona, y
• $15,000 para daños a la propiedad.

Algunos conductores no pueden pagar el seguro. Si es así, pueden ser elegibles para el Programa de Seguro de Automóvil de Bajo Costo.

Tenga en cuenta que se considera fraude de seguro de automóvil si:

• una persona lleva seguro de otro estado, y
• lo hace porque las tarifas en el otro estado son más bajas.

Nuestros abogados defensores penales de California discutirán lo siguiente en este artículo:

• 1. ¿Qué pasa si una persona no tiene prueba de seguro?
• 2. ¿Qué tipo de seguro de automóvil requiere el Estado que los conductores lleven?
• 3. ¿Qué pasa si una persona no puede pagar el seguro?
• 4. ¿Qué pasa si alguien deja de conducir un vehículo?
• 5. ¿Puede alguien residir en California y llevar seguro de otro estado?
• 6. ¿Qué es el seguro de responsabilidad por lesiones corporales?
• 7. ¿Cuáles son las consecuencias de una multa de 16028(a) VC?

1. ¿Qué pasa si una persona no tiene comprobante de seguro?

La ley de responsabilidad financiera de California requiere que los conductores lleven comprobante de seguro. Si un conductor no lo tiene, entonces:

1. se le acusa de una infracción,
2. el conductor debe pagar una multa entre $100 y $200 por una primera ofensa, y
3. la persona debe pagar una multa entre $200 y $500 por cualquier ofensa posterior.¹

El Código de Vehículos 16028 es claro. Los conductores deben llevar comprobante de seguro de responsabilidad con ellos en todo momento cuando conducen. Deben presentar este comprobante si:

• un oficial de policía lo solicita,
• el conductor se mete en un accidente,
• la persona registra su automóvil o renueva su registro, o
• el automóvil del conductor es inspeccionado.²

Tenga en cuenta que un oficial de policía no puede:

• detener a una persona con el único propósito de,
• determinar si tiene comprobante de seguro.

En cambio, los oficiales pueden solicitar este comprobante:

• una vez que tienen otras justificaciones,
• para detener un vehículo.³

Una persona puede demostrar que tiene seguro proporcionando:

1. la tarjeta de seguro que le da la compañía de seguros,
2. una carta autorizada por el DMV de California si un conductor hizo un depósito en efectivo o está asegurado por sí mismo,
3. un formulario de Certificado de Seguro de California (SR-22),
4. pruebas de que el vehículo es propiedad o está arrendado por una entidad pública,
5. un formulario de Notificación de Formas Alternativas de Responsabilidad (REG 5085), o
6. un formulario de Declaración de Hechos (REG 256).⁴

2. ¿Qué tipo de seguro de automóvil requiere el Estado que los conductores lleven?

Los requisitos mínimos de seguro para vehículos de pasajeros privados en California son:

• $30,000 por lesiones/muerte a una persona,
• $60,000 por lesiones/muerte a más de una persona, y
• $15,000 por daños a la propiedad.⁵

Tenga en cuenta que el seguro de responsabilidad compensa a una persona por lesiones personales o daños a la propiedad.

Tenga en cuenta también que el seguro completo o de colisión y el pago médico no cumplen con los requisitos del VC 16028. Tampoco California requiere que los conductores tengan cobertura de motorista sin seguro o con seguro insuficiente (UM/IM).

3. ¿Qué pasa si una persona no puede pagar el seguro?

Algunas personas no pueden pagar el seguro de automóvil. Si es así, pueden ser elegibles para el Programa de Seguro de Automóvil de Bajo Costo.

La información sobre este programa está disponible en:

• mylowcostauto.com, o
• llamando al 1-866-602-8861.

4. ¿Qué pasa si alguien deja de conducir un vehículo?

Los conductores pueden cancelar su seguro si dejan de conducir por cualquier motivo.

Si lo hacen, tienen que presentar un formulario de Declaración Jurada de No Uso (ANU) (REG 5090) al DMV.

(d) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(e) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(f) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(g) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(h) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(i) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(j) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(k) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(l) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(m) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(n) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(o) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(p) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(q) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(r) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(s) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(t) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(u) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(v) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(w) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(x) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(y) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(z) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(aa) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(bb) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(cc) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(dd) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(ee) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(ff) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(gg) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(hh) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace officer shall accept electronic verification of evidence of financial responsibility provided by a person who is requested to provide evidence of financial responsibility pursuant to this section.

(ii) A person who is requested to provide evidence of financial responsibility pursuant to this section may provide electronic verification of evidence of financial responsibility using a mobile electronic device. A peace

(d) (1) Si, en el momento en que se emite un aviso de comparecencia por una violación de la subdivisión (a), la persona está conduciendo un vehículo de motor propiedad o arrendado por el empleador del conductor, y el vehículo está siendo conducido con el permiso del empleador, esta sección se aplicará al empleador en lugar del conductor. En ese caso, se emitirá un aviso de comparecencia al empleador en lugar del conductor, y el conductor podrá firmar el aviso en nombre del empleador.

(2) El conductor deberá notificar al empleador de la recepción del aviso emitido de conformidad con el párrafo (1) no más tarde de cinco días después de la recepción.

(e) Una persona a la que se le haya emitido un aviso de comparecencia por una violación de la subdivisión (a) puede comparecer personalmente ante el secretario del tribunal, según lo designado en el aviso de comparecencia, y proporcionar pruebas por escrito de responsabilidad financiera en una forma consistente con la Sección 16020, que demuestre que el conductor cumplía con esa sección en el momento en que se emitió el aviso de comparecencia por violar la subdivisión (a). En lugar de la comparecencia personal, la persona puede presentar por correo al tribunal pruebas por escrito de haber tenido responsabilidad financiera en el momento en que se emitió el aviso de comparecencia. Al recibir el secretario de esas pruebas por escrito de responsabilidad financiera en una forma consistente con la Sección 16020, se desestimarán los procedimientos posteriores sobre el aviso de comparecencia por la violación de la subdivisión (a).

(f) A los efectos de esta sección, “dispositivo electrónico móvil” significa un dispositivo portátil de computación y comunicación que tiene una pantalla con entrada táctil o un teclado en miniatura.

(g) A los efectos de esta sección, cuando una persona presente pruebas de responsabilidad financiera utilizando un dispositivo electrónico móvil a un oficial de paz, el oficial de paz solo podrá ver las pruebas de responsabilidad financiera y se le prohíbe ver cualquier otro contenido en el dispositivo electrónico móvil.

(h) Si una persona presenta un dispositivo electrónico móvil de conformidad con esta sección, esa persona asume toda responsabilidad por cualquier daño al dispositivo electrónico móvil.

(Modificado por Stats. 2022, Ch. 295, Sec. 14. (AB 2956) Efectivo el 1 de enero de 2023.)

Ver lo mismo. Ver también People v. Verdugo (2007), 150 Cal.App.4th Supp. 1.

Sitio web del DMV de California – Requisitos de responsabilidad financiera (seguro) para el registro de vehículos (FFVR 18).

Código de Seguros de California 11580.1b. Ver también Sitio web del DMV de California – Requisitos de responsabilidad financiera (seguro) para el registro de vehículos (FFVR 18).

Lo mismo.