(1) No policy delivered or issued for delivery in Puerto Rico and covering a subject of insurance resident, located, or to be performed in Puerto Rico, shall contain any condition, stipulation, or agreement:\n(a) Depriving the insured of right of access to the courts for determination of his rights under the policy in event of dispute.\n(b) Depriving the courts of Puerto Rico of jurisdiction of action against the insurer.\n(c) Limiting right to institute action against the insurer to a period of less than one year from date cause of action accrues in connection with all insurances other than property and marine and transportation insurances; in property and marine and transportation policies such right shall not be limited to a period of less than one year from the date of occurrence of the event resulting in the loss.\n(d) Requiring that the policy be governed by the laws of any other jurisdiction except as necessary to meet the requirements of motor vehicle financial responsibility laws or compulsory disability benefit laws of such other jurisdiction.\n(2) Any condition, stipulation, or agreement in violation of this section shall be void, but such voidance shall not affect the laws or compulsory disability benefit laws of such other jurisdiction.\n(2) Any condition, stipulation, or agreement in violation of this section shall be void, but such voidance shall not affect the validity of the other provisions of the policy.\nHistory\n—Ins. Code § 11.190.
Puerto Rico Legal Code