{"id":1023,"date":"2019-05-31T09:00:37","date_gmt":"2019-05-31T09:00:37","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1023"},"modified":"2023-01-05T12:31:38","modified_gmt":"2023-01-05T12:31:38","slug":"how-are-collision-insurance-and-comprehensive-insurance-different","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-are-collision-insurance-and-comprehensive-insurance-different\/","title":{"rendered":"Diferencias entre colisi\u00f3n y seguro de autom\u00f3vil integral"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Como estado con una cultura del autom\u00f3vil profundamente arraigada, California experimenta m\u00e1s del 10 por ciento de los accidentes automovil\u00edsticos anuales en los Estados Unidos. Como es de esperar, el sur de California es donde ocurren la mayor\u00eda de los accidentes, particularmente en Los \u00c1ngeles, el Condado de Orange y el Condado de San Diego. No hace falta decir que conducir sin una p\u00f3liza de seguro de auto en California no es una buena idea por muchas razones. La raz\u00f3n m\u00e1s obvia es que es ilegal hacerlo, pero tambi\u00e9n existe el alto potencial de tener un accidente de tr\u00e1fico. El seguro obligatorio de autom\u00f3viles en el Estado Dorado requiere principalmente cobertura de responsabilidad civil, pero los automovilistas inteligentes a menudo agregan m\u00e1s protecci\u00f3n comprando cobertura de colisi\u00f3n, obteniendo una p\u00f3liza integral u obteniendo ambos. Estas son las diferencias entre el seguro de autom\u00f3vil integral y la cobertura de colisi\u00f3n, que le ofrece Altra Insurance Services, un proveedor principal de autom\u00f3viles, propietarios de viviendas, inquilinos y <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro comercial San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los residentes pueden confiar para obtener una cobertura asequible.<\/span><\/p>\n<h2>La cobertura de colisi\u00f3n va m\u00e1s all\u00e1 de la responsabilidad<\/h2>\n<p><span style=\"font-weight: 400;\">El principio detr\u00e1s del seguro de responsabilidad civil es que se puede encontrar que los conductores tienen cierto grado de responsabilidad en situaciones de accidentes de tr\u00e1nsito. La responsabilidad puede aplicarse a lesiones corporales y da\u00f1os a la propiedad. Digamos que te desv\u00edas por un camino resbaladizo. Si el otro conductor invadi\u00f3 su carril, se lo considerar\u00e1 culpable a efectos del seguro, aunque fue claramente un accidente. Sus facturas del hospital y las reparaciones del autom\u00f3vil ser\u00e1n atendidas por el seguro de responsabilidad civil del conductor culpable. Si, por otro lado, pierde el control en una autopista empapada de lluvia, su seguro de responsabilidad civil solo cubrir\u00e1 las lesiones y da\u00f1os que caus\u00f3, y la reparaci\u00f3n de su propio veh\u00edculo tendr\u00e1 que salir de su bolsillo a menos que tenga cobertura de colisi\u00f3n.<\/span><\/p>\n<h2>La cobertura de colisi\u00f3n puede recuperar la holgura despu\u00e9s de un accidente<\/h2>\n<p><span style=\"font-weight: 400;\">Digamos que toma un paseo panor\u00e1mico por la autopista de la costa del Pac\u00edfico, pierde el control y golpea un \u00e1rbol secoya costero a 25 mph. Lo m\u00e1s probable es que tanto usted como la secoya no sufran da\u00f1os, pero su autom\u00f3vil seguramente sufrir\u00e1 da\u00f1os. En este accidente, su cobertura de responsabilidad no entrar\u00e1 en juego. Si tiene cobertura de colisi\u00f3n, puede cubrir el da\u00f1o a su autom\u00f3vil, aunque ni usted ni el \u00e1rbol tuvieron la culpa.<\/span><\/p>\n<h2>El seguro integral brinda cobertura diferente a la colisi\u00f3n<\/h2>\n<p><span style=\"font-weight: 400;\">Si, durante el mismo viaje de PCH, una secoya vieja cae sobre su veh\u00edculo estacionado y la aplasta, ni la responsabilidad ni la cobertura de colisi\u00f3n lo ayudar\u00e1n. Lo que necesita en este caso es un seguro integral, que pague por los da\u00f1os que sufra su autom\u00f3vil fuera de los accidentes de tr\u00e1nsito. Si su auto se da\u00f1a debido a robo, vandalismo o un desastre natural, se iniciar\u00e1 una cobertura integral.<\/span><\/p>\n<h2>El seguro integral no es cobertura total<\/h2>\n<p><span style=\"font-weight: 400;\">Si desea combinar los beneficios de la colisi\u00f3n y la cobertura integral, consulte a su agente de seguros de autom\u00f3viles sobre los planes de cobertura completa. Completo puede sonar similar a la cobertura total, pero no lo es. La cobertura total es una combinaci\u00f3n de pol\u00edticas dise\u00f1adas para brindar la m\u00e1xima cobertura e incluso beneficios tales como asistencia en carretera, remolque, efectivo de bolsillo de emergencia, reparaciones despu\u00e9s de fallas mec\u00e1nicas y autos de alquiler temporales.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cuando necesitan asequibles, confiables\u00a0<\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">seguro de auto chula vista<\/span><\/a><span style=\"font-weight: 400;\">\u00a0los conductores recurren a Altra Insurance Services. Para obtener un seguro de alta calidad y un servicio incomparable, comun\u00edquese hoy con uno de nuestros representantes amistosos al 619-474-6666 para saber c\u00f3mo puede ahorrar dinero en su seguro de autom\u00f3vil.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Como estado con una cultura del autom\u00f3vil profundamente arraigada, California experimenta m\u00e1s del 10 por ciento de los accidentes automovil\u00edsticos anuales en los Estados Unidos. Como es de esperar, el sur de California es donde ocurren la mayor\u00eda de los accidentes, particularmente en Los \u00c1ngeles, el Condado de Orange y el Condado de San Diego. No hace falta decir que conducir sin una p\u00f3liza de seguro de auto ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/how-are-collision-insurance-and-comprehensive-insurance-different\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Differences Between Collision &#038; Comprehensive Car Insurance&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1037,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Collision VS Comprehensive Auto Insurance<\/title>\n<meta name=\"description\" content=\"Collision and comprehensive auto insurance don&#039;t cover the same types of situations. Read to learn how these common types of car insurance are different.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altrainsurance.com\/es\/how-are-collision-insurance-and-comprehensive-insurance-different\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Collision VS Comprehensive Auto Insurance\" \/>\n<meta property=\"og:description\" content=\"Collision and comprehensive auto insurance don&#039;t cover the same types of situations. Read to learn how these common types of car insurance are different.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/how-are-collision-insurance-and-comprehensive-insurance-different\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-31T09:00:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-05T12:31:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2019\/05\/Car-Insurance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"525\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Altra Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Altra Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Collision VS Comprehensive Auto Insurance","description":"Collision and comprehensive auto insurance don't cover the same types of situations. Read to learn how these common types of car insurance are different.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/how-are-collision-insurance-and-comprehensive-insurance-different\/","og_locale":"es_ES","og_type":"article","og_title":"Collision VS Comprehensive Auto Insurance","og_description":"Collision and comprehensive auto insurance don't cover the same types of situations. 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