{"id":1591,"date":"2019-10-28T09:00:41","date_gmt":"2019-10-28T09:00:41","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1591"},"modified":"2022-08-31T10:33:58","modified_gmt":"2022-08-31T10:33:58","slug":"definition-of-commercial-vehicle","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/definition-of-commercial-vehicle\/","title":{"rendered":"\u00bfQu\u00e9 se considera un veh\u00edculo comercial?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Cuando se trata de veh\u00edculos comerciales, la mayor\u00eda de las personas piensan en grandes camiones, furgonetas de reparto y otros veh\u00edculos de servicio grandes, como los veh\u00edculos de construcci\u00f3n. Muchos de estos veh\u00edculos requieren una CDL (licencia de conducir comercial) para conducir. Cuando se trata de seguros, la definici\u00f3n de un veh\u00edculo comercial es mucho m\u00e1s amplia de lo que la mayor\u00eda de la gente piensa y cubre m\u00e1s que solo los veh\u00edculos que requieren un CDL para operar.<\/span><\/p>\n<h2>Veh\u00edculos comerciales definidos por la industria de seguros<\/h2>\n<p><span style=\"font-weight: 400;\">Si alguna vez ha le\u00eddo su p\u00f3liza de seguro de auto personal, es posible que haya notado algunas exclusiones amplias y algo ambiguas en su p\u00f3liza. Mezcladas con las exclusiones obvias, como usar el autom\u00f3vil para carreras callejeras o actividades ilegales o da\u00f1ar intencionalmente su veh\u00edculo, se destacan dos exclusiones que pueden parecer un poco fuera de lugar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Un veh\u00edculo que se utiliza para &quot;transporte de librea&quot;\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Un veh\u00edculo utilizado para realizar negocios que no sean la agricultura o la ganader\u00eda. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Estas dos exclusiones son ejemplos de lo que las compa\u00f1\u00edas de seguros calificar\u00edan como veh\u00edculos comerciales. De acuerdo con la <\/span><a style=\"font-size: 1rem;\" href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\">Seguro de auto en San Diego<\/a><span style=\"font-weight: 400;\"> industria, cualquier veh\u00edculo utilizado regularmente para fines comerciales (aparte de la agricultura y la ganader\u00eda, como se mencion\u00f3 anteriormente) se considerar\u00eda un veh\u00edculo comercial. Si utiliza su veh\u00edculo personal para entregar pizzas o distribuir productos, su compa\u00f1\u00eda de seguros lo considerar\u00e1 un veh\u00edculo comercial.<\/span><\/p>\n<h2>Veh\u00edculos utilizados para servicios de viaje compartido<\/h2>\n<p><span style=\"font-weight: 400;\">Si trabaja para un servicio de viaje compartido como Uber, su veh\u00edculo se considera un veh\u00edculo comercial siempre que brinde un servicio de librea. Esto es esencialmente desde el momento en que recibe una solicitud de recogida de un cliente hasta el momento en que lo deja en el destino. Si tiene un accidente mientras brinda un servicio de viaje compartido, su p\u00f3liza de seguro personal probablemente negar\u00e1 la cobertura del accidente debido a la exclusi\u00f3n del servicio de librea. Afortunadamente, muchas compa\u00f1\u00edas como Uber ofrecen seguros comerciales a sus contratistas, brindando cobertura b\u00e1sica de responsabilidad civil y colisi\u00f3n mientras est\u00e1 en el reloj. Si no est\u00e1 utilizando su veh\u00edculo para realizar negocios para la compa\u00f1\u00eda de viajes compartidos en el momento del accidente, puede presentar su declaraci\u00f3n bajo su propia pol\u00edtica personal, ya que no quedar\u00eda bajo la exclusi\u00f3n del servicio de librea. <\/span><\/p>\n<h2>otras calificaciones<\/h2>\n<p><span style=\"font-weight: 400;\">Hay algunas otras calificaciones que etiquetar\u00edan un veh\u00edculo como veh\u00edculo comercial. Estas calificaciones son m\u00e1s generales y no se aplican exclusivamente al seguro. Incluyen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Veh\u00edculos de m\u00e1s de cierta clase de peso, generalmente m\u00e1s de 26,000 libras<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Veh\u00edculos pertenecientes a corporaciones y que no son propiedad de particulares<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Veh\u00edculos arrendados a nombre de las instituciones financieras que los poseen<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cualquier veh\u00edculo que transporte peligros biol\u00f3gicos.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Taxis y otros veh\u00edculos de librea, como autobuses<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Equipo pesado para miner\u00eda o construcci\u00f3n.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Remolques de viaje que pesan m\u00e1s de 10,000 libras<\/span><\/li>\n<\/ul>\n<p>Si no est\u00e1 seguro de si su veh\u00edculo entrar\u00eda en la clasificaci\u00f3n de veh\u00edculos comerciales, aseg\u00farese de llamar a su agente de seguros para que no encuentre sorpresas desagradables. Para la m\u00e1s alta calidad en autom\u00f3viles, motocicletas, propietarios de viviendas y <a style=\"font-size: 1rem;\" href=\"https:\/\/altrainsurance.com\/renters-insurance-san-diego\/\">seguro de inquilinos, San Diego<\/a><span style=\"font-weight: 400;\"> Los residentes conf\u00edan en el experimentado equipo de Altra Insurance Services. Llame hoy a uno de nuestros agentes amigables al 619-474-6666.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Cuando se trata de veh\u00edculos comerciales, la mayor\u00eda de las personas piensan en grandes camiones, furgonetas de reparto y otros veh\u00edculos de servicio grandes, como los veh\u00edculos de construcci\u00f3n. Muchos de estos veh\u00edculos requieren una CDL (licencia de conducir comercial) para conducir. Cuando se trata de seguros, la definici\u00f3n de un veh\u00edculo comercial es mucho m\u00e1s amplia de lo que la mayor\u00eda de la gente piensa ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/definition-of-commercial-vehicle\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Is Considered a Commercial Vehicle?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1595,"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-1591","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>What Qualifies as a Commercial Vehicle?<\/title>\n<meta name=\"description\" content=\"You might be surprised to learn what\u2019s considered a commercial vehicle for insurance purposes. 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