{"id":3122,"date":"2019-12-02T09:00:14","date_gmt":"2019-12-02T09:00:14","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1795"},"modified":"2026-10-08T10:13:20","modified_gmt":"2026-10-08T10:13:20","slug":"what-to-know-about-multicar-insurance-policies","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-to-know-about-multicar-insurance-policies\/","title":{"rendered":"\u00bfC\u00f3mo puedo asegurar m\u00e1s de un autom\u00f3vil con una p\u00f3liza \u00fanica?"},"content":{"rendered":"

Understanding auto insurance can be complicated, considering the variety of coverage types, what those types of coverage exclude, and which kinds of vehicles\u2014such as motorcycles, trailers, and oversized vehicles\u2014require specific policies. You’d think adding vehicle would make things more complicated, but surprisingly, it doesn’t change very much. <\/span><\/p>\n

\u00bfC\u00f3mo obtengo una pol\u00edtica de autom\u00f3viles m\u00faltiples?<\/h2>\n

Algunas compa\u00f1\u00edas de seguros requieren que ambos autos est\u00e9n en la misma direcci\u00f3n y que los propietarios est\u00e9n relacionados de alguna manera (por ejemplo, hermanos, padres o c\u00f3nyuges). Otros simplemente requieren que ambas partes vivan en la misma direcci\u00f3n. El requisito principal que no cambia es que debe tener m\u00e1s de un veh\u00edculo de pasajeros asegurado bajo la misma p\u00f3liza. Para configurar una p\u00f3liza para varios veh\u00edculos, necesitar\u00e1 tener el VIN y la informaci\u00f3n del titular del derecho de retenci\u00f3n para cada veh\u00edculo junto con los n\u00fameros de licencia de conducir de los respectivos conductores. Algunas compa\u00f1\u00edas de seguros tambi\u00e9n ofrecen descuentos para p\u00f3lizas de autom\u00f3viles m\u00faltiples, con un l\u00edmite de 4 a 5 autom\u00f3viles. <\/span><\/p>\n

\u00bfQu\u00e9 reglas suelen aplicarse?<\/h2>\n

When setting up coverage on the vehicles, there are a few ground rules insurance companies usually set. First off, they usually require the limits for your liability and uninsured motorist coverage<\/a><\/strong> to be the same. These coverage limits basically determine the maximum amount your insurance will cover in the event you\u2019re either liable for an accident or in an accident with an uninsured party. This is mostly done to keep things simple, since having different limits for each vehicle could lead to confusion when dealing with claims. However, all other coverages or add-ons can be changed to fit the needs of each individual driver. These include collision, comprehensive, and rental coverage, as those coverages aren’t required by state law. <\/span>
\n<\/span>
\n<\/span>La otra regla es que todos los veh\u00edculos deben considerarse veh\u00edculos de pasajeros. Por ejemplo, no puede tener una motocicleta y un veh\u00edculo de pasajeros en una p\u00f3liza de autom\u00f3viles m\u00faltiples. Necesitar\u00eda dos pol\u00edticas separadas, ya que las pol\u00edticas de motocicletas son ligeramente diferentes de <\/span>Seguro de auto en San Diego<\/span><\/a> pol\u00edticas Dejando a un lado esas dos reglas, establecer una pol\u00edtica de veh\u00edculos m\u00faltiples es b\u00e1sicamente lo mismo que una pol\u00edtica de veh\u00edculo \u00fanico, excepto que hay m\u00e1s de un veh\u00edculo.<\/span><\/p>\n

\u00bfQu\u00e9 sucede en un accidente?<\/h2>\n

Cuando tiene un accidente y tiene una pol\u00edtica de autom\u00f3viles m\u00faltiples, las cosas se desarrollan exactamente igual que con una pol\u00edtica de autom\u00f3vil \u00fanico. Se aplica la cobertura del veh\u00edculo en el accidente, por lo que si tiene cobertura de colisi\u00f3n con un deducible $200, debe pagar el primer $200, y el resto est\u00e1 cubierto por el seguro. Dado que todos los veh\u00edculos est\u00e1n agrupados en una sola pol\u00edtica, un aumento de la tarifa para un veh\u00edculo aumentar\u00eda el costo de toda la pol\u00edtica, aunque la evaluaci\u00f3n del riesgo para los otros veh\u00edculos en esa pol\u00edtica permanecer\u00eda sin cambios. Si alguien en su p\u00f3liza es propenso a sufrir accidentes, puede hacer que esa persona sea eliminada de la p\u00f3liza, pero como resultado puede perder cualquier descuento para varios autom\u00f3viles.\u00a0<\/span><\/p>\n

Ya sea que necesiten un seguro de autom\u00f3vil confiable y asequible o una motocicleta, negocio o motocicleta confiable\u00a0<\/span>seguro de vivienda, San Diego<\/span><\/a>\u00a0los residentes recurren a Altra Insurance Services. Para una cobertura de alta calidad y un servicio incomparable, comun\u00edquese con nuestros agentes experimentados. Ll\u00e1menos hoy al 619-474-6666 para saber c\u00f3mo puede ahorrar dinero en todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Understanding auto insurance can be complicated, considering the variety of coverage types, what those types of coverage exclude, and which kinds of vehicles\u2014such as motorcycles, trailers, and oversized vehicles\u2014require specific policies. You’d think adding vehicle would make things more complicated, but surprisingly, it doesn’t change very much. How Do I Get a Multi-Car Policy? Some … <\/p>\n

Continue reading “How Can I Insure More than One Car on a Single Policy?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1802,"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-3122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nHow Does Insurance Work if You Have Multiple Vehicles?<\/title>\n<meta name=\"description\" content=\"Many families have more than one vehicle on a single auto insurance policy, and they can often save money as a result. 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