{"id":1273,"date":"2019-07-05T09:00:50","date_gmt":"2019-07-05T09:00:50","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1273"},"modified":"2025-03-18T06:57:21","modified_gmt":"2025-03-18T06:57:21","slug":"do-i-need-liability-or-comprehensive-car-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/do-i-need-liability-or-comprehensive-car-insurance\/","title":{"rendered":"Seguro integral contra responsabilidad civil"},"content":{"rendered":"

Ya sea que est\u00e9 comprando un seguro de autom\u00f3vil por primera vez o si es un conductor de mucho tiempo que est\u00e1 considerando cambiar de compa\u00f1\u00eda de seguros, seguramente surgir\u00e1 la cuesti\u00f3n del seguro integral o de responsabilidad civil para su autom\u00f3vil. Hay beneficios y desventajas para cada opci\u00f3n, as\u00ed que tome su decisi\u00f3n con cuidado. Si el precio es un problema, aseg\u00farese de comparar las cotizaciones de diferentes compa\u00f1\u00edas de seguros de autom\u00f3viles, ya que el costo puede variar ampliamente. Otra cosa a tener en cuenta es pedir recomendaciones de seguros a familiares y amigos locales, ya que las leyes y los precios var\u00edan seg\u00fan el \u00e1rea. Esto es lo que necesita saber sobre el seguro de autom\u00f3vil integral y de responsabilidad civil,<\/span> tra\u00eddo a usted por Altra Insurance Services, un proveedor principal de autom\u00f3viles, propietarios de viviendas, inquilinos y\u00a0<\/span>seguro de negocios en San Diego<\/span><\/a> los residentes pueden confiar para obtener una cobertura asequible.<\/span><\/p>\n

Conozca las diferencias entre los dos tipos de seguro<\/h2>\n

Si opta por la cobertura de responsabilidad solo en su autom\u00f3vil, en caso de que tenga un accidente automovil\u00edstico, su seguro se aplicar\u00e1 y cubrir\u00e1 los da\u00f1os al autom\u00f3vil de la otra persona, pero no pagar\u00e1 ning\u00fan da\u00f1o por su cuenta. Si tiene una cobertura integral de su autom\u00f3vil, el seguro pagar\u00e1 los da\u00f1os tanto del otro autom\u00f3vil como de su propio autom\u00f3vil. La cobertura integral incluye cobertura de responsabilidad. La cobertura integral tambi\u00e9n paga otros problemas adem\u00e1s de los accidentes, como por ejemplo, si una tormenta hace que un \u00e1rbol caiga sobre su autom\u00f3vil estacionado.<\/span><\/p>\n

Sepa que el seguro integral de autom\u00f3viles es m\u00e1s costoso<\/h2>\n

Mensualmente, la cobertura integral generalmente cuesta m\u00e1s, a veces significativamente m\u00e1s, que la responsabilidad. Adem\u00e1s del mayor costo inicial, si necesita usar su seguro de responsabilidad civil, a menudo no hay deducible que pagar de su bolsillo. Sin embargo, la cobertura integral puede requerir que se pague un deducible antes de que entre en vigencia la cobertura del seguro. A primera vista, la responsabilidad es a menudo m\u00e1s barata que la cobertura integral, pero eso depende en gran medida de las circunstancias.<\/span><\/p>\n

Decide qu\u00e9 cobertura es adecuada para tu familia<\/h2>\n

Si tiene un autom\u00f3vil que est\u00e1 pagado y tiene un valor bajo, la cobertura de responsabilidad civil podr\u00eda ser su mejor opci\u00f3n. Si el autom\u00f3vil no vale mucho, pagar un deducible que podr\u00eda ser casi igual al valor de su autom\u00f3vil no tiene mucho sentido. Y si su autom\u00f3vil es m\u00e1s viejo y es probable que necesite reemplazarlo en los pr\u00f3ximos a\u00f1os de todos modos, no es necesario gastar dinero extra para mantenerlo en funcionamiento. Otro factor a tener en cuenta es c\u00f3mo se ve el resto de su situaci\u00f3n financiera. Si tiene una cantidad considerable en ahorros y podr\u00eda reemplazar o pagar f\u00e1cilmente las reparaciones de su autom\u00f3vil si decide arreglarlo, considere un seguro de responsabilidad civil.<\/span><\/p>\n

Considere las reglas y leyes de California<\/h2>\n

Whether you get liability or comprehensive coverage isn’t always your choice. If you\u2019re leasing or still making payments on a car, you may be required to have comprehensive coverage whether you want it or not under the terms of your car loan or lease agreement. Also, California does have rules about the minimum amount of liability coverage you need to buy. For instance, you need bodily injury liability coverage of at least $30,000 per person and $60,000 per accident. Drivers in California also need $15,000 property damage liability coverage at the minimum and uninsured motorist bodily injury coverage in the amount of $30,000 per person or $60,000 per accident. Lastly, California requires drivers to have uninsured motorist property damage coverage in the minimum amount of $3,500.<\/span><\/p>\n

Cuando necesitan asequibles, confiables\u00a0<\/span>seguro de auto San Diego<\/span><\/a>,\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":"

Ya sea que est\u00e9 comprando un seguro de autom\u00f3vil por primera vez o si es un conductor de mucho tiempo que est\u00e1 considerando cambiar de compa\u00f1\u00eda de seguros, seguramente surgir\u00e1 la cuesti\u00f3n del seguro integral o de responsabilidad civil para su autom\u00f3vil. Hay beneficios y desventajas para cada opci\u00f3n, as\u00ed que tome su decisi\u00f3n con cuidado. Si el precio es un problema, aseg\u00farese de ... <\/p>\n

Continue reading “Comprehensive vs. Liability Auto Insurance”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1281,"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-1273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nLiability vs Comprehensive Car Insurance | MUST READ<\/title>\n<meta name=\"description\" content=\"Many drivers are unsure about whether to purchase liability or comprehensive auto insurance policies. 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