Puerto Rico law
Insurance Disputes Laws in Puerto Rico.
Puerto Rico insurance law is governed by the Puerto Rico Insurance Code (Act No. 77-1957, 26 L.P.R.A.). Puerto Rico's Insurance Commissioner regulates insurers and handles consumer complaints. Puerto Rico recognizes insurer bad faith through doctrinal development under civil-code good-faith principles and specific statutory provisions. Hurricane Maria (2017) produced massive insurance litigation — much still in federal court or consolidated proceedings. Windstorm and flood coverage disputes remain active.
Last verified: 2026-04-17
State law
Key Puerto Rico Statutes
Comprehensive regulatory framework administered by the Office of the Insurance Commissioner (Oficina del Comisionado de Seguros). Covers licensing, rates, reserves, unfair practices, and consumer protection.
Puerto Rico civil-law recognizes an implicit duty of good faith (buena fe) in insurance contracts. Breach may support consequential damages and punitive-equivalent relief.
Puerto Rico Insurance Code prohibits specified unfair claim-settlement practices.
Hurricane Maria (2017) produced extensive insurance litigation around coverage, valuation, replacement cost, and business interruption. Many cases remain pending or in consolidated federal proceedings.
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Puerto Rico.
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