LEARN HOW TO REPORT
‍COMPULSORY INSURANCE FRAUD

Compulsory Liability Insurance (SRO), also known as Compulsory Insurance, is the minimum insurance coverage required by law in Puerto Rico for motor vehicles traveling on public roads. This insurance covers damage that an insured vehicle causes to another vehicle in a traffic accident.  The SRO policy can be obtained at the time of renewing the tag through CESCO Digital or at Authorized Entities, such as collections, banks, cooperatives and official inspection stations.

This policy offers coverage of up to $4,500.00 per accident, with no limit on the number of incidents during its validity. The amount of $4,500.00 is the maximum limit per accident, regardless of the number of claimants under the same policy. It should be noted that the SRO does not cover damages suffered by the vehicle that caused the traffic accident.

Avoid Fraud:
Have the Right to Choose
Your Insurer

In compliance with Law No. 245 of 2014, any person who acquires or renews their motor vehicle license for the first time has the right to freely select the Mandatory Liability Insurance (SRO) provider of their choice. This right guarantees that you can annually choose the insurer that best suits your needs by completing the digital or printed Selection Form during the tag renewal process.

It is important to remember that any attempt to interfere with your right to freely choose the insurer of your choice is a violation of the law. This includes:

If you face any of these situations or if you detect any irregularities, You have the right to report such conduct to the Office of the Insurance Commissioner (OCS).

You can do it by calling 787-304-8686

or sending an email  to investigaciones@ocs.pr.gov

Remember, you have the right to:

  • Freely choose the insurer of your choice using the Selection Form.
  • Report if they give you a pre-marked Selection Form or if they attempt to unduly influence your decision.

If you face any obstacles or irregularities in this process, do not hesitate to report it to the OCS to protect your rights.

Report it here

All About Compulsory Insurance

Participating Insurers

Uniform Policy

SRO Selection Form

Laws, Rules, Normative Letters and Circulars

What is the Digital Tag?

The Digital Tag is an electronic Tag that will be attached to the front glass of your vehicle and will replace the sticker label that has traditionally existed. Any (eligible) vehicle that already has a Toll Tag (eligible) can register that Tag through CESCO Digital to become its Digital Tag. You can also do this during the renewal process.

Once the Digital Tag process is complete, drivers will not have to replace that Tag every year.

The purpose of the Digital Label is the use of a single Tag for multiple purposes. In this case, your toll stamp number will be used as your Digital Label.

Eligible vehicles
Digital Tag Renewal
Do you want more information?
about the Digital Tag?

Eligible vehicles

If your vehicle meets the following category, you can register your toll stamp as a Digital Sticker in this phase: Automobile (Regular Vehicle), Cargo Vehicle/Light Truck, Motorcycle, Ambulances (ATLS and BTLS) and Hearse.

Leased vehicles or those that are not in your name but meet the categories mentioned above will not be able to register their Toll Stamp through CESCO Digital. However, they will be able to obtain the Digital Toll Stamp in their next renewal by following the usual process for this type of vehicle.

Only vehicles that meet the requirements and whose tags expire from September 2023 will be able to officially begin using the Digital Tag. Remember, registering your Toll Stamp does not mean that you can use it as a Digital Sticker, you have to wait for the expiration date, inspect your vehicle and make the corresponding payments to use it officially.

Digital Tag Renewal

A vehicle becomes eligible for renewal 31 days before the expiration date of its label. You can complete the renewal process even if the label has expired.

You will not be able to complete the renewal process if the vehicle has unpaid toll charges and/or toll fines and/or critical liens.

Starting in September, based on the renewal date of the vehicles, drivers will be able to make the change to the Digital Tag in an agile, effective and fast way, thus eliminating complex processes when renewing.

Do you want more information about Digital Tag?

For more details about the Digital Tag, how it works, how to obtain it and the benefits it offers, we invite you to visit the official CESCO Digital portal at marbetedigital.pr.gov. There you will find a complete guide to carry out the tag renewal process quickly and conveniently.

The Digital Tag is a new alternative that allows you to renew your vehicle electronically. Learn all the steps to manage it from the comfort of your home and make sure your vehicle is up to date. Digital Tag (pr.gov)

Mandatory Liability Insurance (SRO) Questions and Answers Guide

This guide is intended to educate citizens about Compulsory Liability Insurance, their coverage, exclusions, as well as explaining the responsibilities of the insured and the injured party. In addition, it seeks to prevent fraud by making citizens aware of their right to freely select the insurer of their choice.

What is Mandatory Liability Insurance (SRO)?
What does Compulsory Liability Insurance cover?
What additional benefits does the Compulsory Liability Insurance policy offer?
Can any estimate be submitted to process a claim?
What are the exclusions from Compulsory Insurance?
What is the Initial Liability Determination System?
Does Mandatory Liability Insurance cover vehicle towing expenses?
Does Compulsory Insurance cover more than one accident during the policy period?
Does the Compulsory Insurance cover personal damage or injuries?
Does Compulsory Insurance cover affected property other than a motor vehicle?
In whose name can payment for a claim be issued under the Compulsory Insurance policy?
What are the responsibilities of the insured in the event of an accident under the SRO?
What happens if there is no cooperation from either party with the Compulsory Insurance claim process?
Am I required to purchase Compulsory Liability Insurance?
How can I choose the insurer of my choice?
Can I change SRO provider during the term of the insurance?
What should I do if I have a traditional insurance policy that has more coverage than the SRO offers?
What should I do if I paid for the SRO with a current traditional insurance policy?
How can I avoid fraud by selecting the SRO insurer of my choice?