About Us

We are the only insurer specifically created to administer and provide Compulsory Liability Insurance in Puerto Rico, better known as compulsory insurance. You can purchase compulsory insurance when you obtain or renew a vehicle's annual permit at the collector's offices of the Department of Treasury, official inspection stations, banks, cooperatives, or municipal centers authorized to do so.
When choosing ASC, your vehicle will be insured by the provider with the most experience, knowledge, accessibility, and technology, as well as the best service platforms. As designated by law, ASC is also responsible for the administration of Compulsory Liability Insurance on the island.
If you are involved in a car accident, you no longer have to visit a Service Center! ASC is the only insurance provider that allows you to do EVERYTHING, 100% through WhatsApp. It is simple, safe, and easy to use. Message us 24/7 at 787.999.4242 and you will receive service instantly. We also offer service 7 days a week by calling 787.622.4242 and 24/7 service through www.ASCtucompulsorio.com or by downloading our mobile app ASC Tu Compulsorio, available for iPhone or Android.
We are the only insurance provider that facilitates the renewal process of your vehicle’s annual permit by sending you your vehicle license over email. Request it at www.EscogeASC.com/licencia. It's free!
When renewing your vehicle’s annual permit, choose those preferred by the citizens of Puerto Rico. Choose the leaders in the Compulsory Insurance industry. Choose ASC.


ASC is a private and Puerto Rican company, a pioneer in compulsory insurance. For more than 25 years, we have specialized in compulsory insurance and we are known as the experts in compulsory insurance. To date, we have processed more than 6 million claims and paid more than $2.3 billion to compensate for vehicle damages in Puerto Rico.

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  • 1995

    The Compulsory Liability Insurance and the ASC were created by Public Law No. 254.

  • 1998

    The ASC began operations and compulsory insurance entered into effect.

  • 2000

    Processes were mechanized to handle a high volume of claims rapidly.

  • 2004

    An important process transformation took place, integrating new technology and applications. Claim processes are managed completely in the Service Centers and claim payments are sent to customers within 48 hours, once all requirements have been completed.

  • 2010

    The compulsory insurance coverage increased from $3,000 to $4,000 and the repairs incentive from $60 to $100 without increasing the premium cost for the insured.

    We obtained more benefits for our insured as a result of ASC’s efficient management of the compulsory insurance premiums.

  • 2012

    ASC introduces an agile and simple claims processing system making it convenient for our customers to file their claims over the Internet 24/7 or by telephone.

  • 2013

    Call Center operation hours of service are extended: Monday to Friday until 6:00 pm and Saturday from 8:00 am to 1:00 pm.

  • 2014

    Claim processes for clients and claimants are expedited. Same day payment is incorporated, effective as soon as the claims process is completed.

  • 2015

    ASC unveils a new image and corporate identity.

  • 2016

    ASC launches a new 100% online service for claim processing. Clients and claimants can attach photos, download and upload documents, submit estimates of the repair, as well as receive service and support 24/7.

    A tutorial video is available on how to submit an online claim with ASC, also translated into sign language.

    ASC provides the free mobile app “ASC Tu Compulsorio”, available through the App Store for iPhone and Play Store for Android. An ASC Service Center at your fingertips.

  • 2017

    Mandatory insurance coverage increased from $ 4,000 to $ 4,500. As of July 1, 2017. It only applies to labels whose validity begins on that date.

  • 2018

    ASC celebrates 20 years of service as a Puerto Rican company that provides and administrates compulsory insurance.

    As part of this celebration, ASC developed the advertising campaign called: ASC, 20 years answering for you and yours. With this effort, ASC continues to demonstrate its commitment to Puerto Rico being the first company and compulsory insurer to incorporate a sign language interpreter throughout its advertising campaign. This campaign, in addition to publicizing the services and benefits that ASC offers its clients and the community of deaf people on the island, creates awareness among all citizens of the need to integrate this important sector of our population.

  • 2019

    ASC becomes the first and only insurer in Puerto Rico to offer 24/7 service through WhatsApp. Claimants can send photos, documents and ask questions about their claim through the WhatsApp Instantly service while a Service Representative attends them live.

    In May 2019 ASC was selected as a Silver Winner in the SME Digital Awards competition under the category of Best Social Responsibility Campaign. In October, ASC was selected as a Bronze Winner in the prestigious SME Marketing Excellence Awards under the category “Cause Marketing & Community Outreach”. Both awards are in recognition of the advertising campaign for the 20th Anniversary of ASC where the deaf community in Puerto Rico was integrated and ASC became the first insurer in Puerto Rico to integrate sign language interpreters in all its advertising.

  • 2020

    ASC revolutionizes the Compulsory Insurance market by offering 100% of its services remotely and without having to visit the Service Centers. Thanks to the development of innovative service platforms, ASC never stopped its operations at the start of the pandemic caused by Covid-19 on the Island.

    In October 2020, ASC received an important distinction in the ceremony where the companies selected in the study of The Best Employers of Puerto Rico and Best Employers Puerto Rico 2020 were recognized. In the first year of participation, ASC achieved recognition as Best Employers Puerto Rico 2020 in the global program developed by Kincentric. Being recognized as a company committed to its extraordinary work team highlights that the main resource is the members of the Great Family of ASC. The high level of employee satisfaction and commitment to their employment experience and work environment are essential factors for ASC to be outstanding in the level of service it offers to its clients and to continually stand out as a leader in its market.

    ASC revolutionizes the industry once again by offering a completely FREE vehicle license email service. In addition, taking into account the safety and well-being of customers and employees, it establishes new processes to streamline the processing of claims without customers having to leave their home or visit a Service Center offering the NEW Remote Inspection SERVICE. With this service, the ASC team of experts carries out the inspection of the vehicles remotely and in real time together with the clients from their mobile phone.

  • 2021

    We have changed the game! ASC expands its services through the WhatsApp messaging platform and revolutionizes the compulsory insurance market once again. ASC becomes the first and only insurer in Puerto Rico where policyholders and claimants can make 100% of the claim through WhatsApp by sending a message to 787.999.4242. This also includes immediate service to obtain the claim status, send photos or documents or to contact a service representative. 24 hours a day, 7 days a week.

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