{"id":3139,"date":"2020-02-17T09:00:16","date_gmt":"2020-02-17T09:00:16","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1921"},"modified":"2024-09-30T12:42:38","modified_gmt":"2024-09-30T12:42:38","slug":"pizza-delivery-car-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/pizza-delivery-car-insurance\/","title":{"rendered":"\u00bfLos conductores de reparto de pizzas pagan m\u00e1s por el seguro del autom\u00f3vil?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Las tarifas de seguro de auto para los conductores de reparto de pizzas dependen de varios factores. Pero la mayor\u00eda de las veces, las tasas de seguro de autom\u00f3viles ser\u00e1n m\u00e1s altas para estos conductores porque la entrega de pizza est\u00e1 cubierta por pol\u00edticas comerciales m\u00e1s que personales. Las tarifas aumentan debido al mayor riesgo debido al mayor tiempo que se pasa en la carretera, el uso de un veh\u00edculo personal para fines comerciales y la falta de cobertura proporcionada por el empleador.<\/span><\/p>\n<h2>Cobertura comercial versus personal<\/h2>\n<p><span style=\"font-weight: 400;\">Para la mayor\u00eda de los conductores, la entrega de pizza no estar\u00e1 cubierta por su personal. <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Seguro de auto en San Diego<\/span><\/a><span style=\"font-weight: 400;\"> pol\u00edticas porque se les pagar\u00e1 por entregar pizzas, lo cual no se considera uso personal por la mayor\u00eda de las aseguradoras. Los conductores que desean estar cubiertos tendr\u00edan que cambiar a una pol\u00edtica de veh\u00edculos comerciales, que generalmente tiene tasas m\u00e1s altas. El seguro de autom\u00f3viles comerciales tiende a costar m\u00e1s debido a los l\u00edmites de responsabilidad m\u00e1s altos y la protecci\u00f3n adicional contra los desaf\u00edos legales que pueden presentarse contra el empleador o el conductor.<\/span><\/p>\n<h2>Trabajo de alto riesgo<\/h2>\n<p><span style=\"font-weight: 400;\">Si bien la entrega de pizza puede no parecer un trabajo peligroso, las estad\u00edsticas muestran que los trabajos relacionados con la entrega tienen riesgos sustanciales, lo que puede conducir a tasas m\u00e1s altas de seguro de autom\u00f3viles para los conductores. En 2018, un estudio realizado por la Oficina de Estad\u00edsticas Laborales de los Estados Unidos mostr\u00f3 que los trabajos de entrega son la quinta ocupaci\u00f3n m\u00e1s peligrosa en Estados Unidos. La mayor\u00eda de las aseguradoras son conscientes de este hecho y entienden que el mayor riesgo de accidentes se debe a la mayor cantidad de tiempo que pasan en la carretera. Este mayor riesgo conlleva costos adicionales para la aseguradora y tarifas m\u00e1s altas para los conductores. <\/span><\/p>\n<h2>Veh\u00edculo comercial versus personal<\/h2>\n<p><span style=\"font-weight: 400;\">Si se proporciona un veh\u00edculo de la compa\u00f1\u00eda para entregar pizzas, el empleador ser\u00e1 responsable si ocurre un accidente, pero si se est\u00e1 utilizando un veh\u00edculo personal, lo m\u00e1s probable es que el conductor no est\u00e9 cubierto por su p\u00f3liza de seguro personal existente. Al igual que con muchos servicios de entrega, el uso de un veh\u00edculo personal para fines comerciales no estar\u00e1 cubierto a menos que el conductor tenga un seguro comercial. Aunque ciertas p\u00f3lizas pueden ofrecer cobertura para la entrega de pizza si el trabajo es a tiempo parcial, la mayor\u00eda de las p\u00f3lizas de seguro no ofrecer\u00e1n ninguna cobertura.<\/span><\/p>\n<h2>Cobertura proporcionada por el empleador<\/h2>\n<p><span style=\"font-weight: 400;\">Muchas pizzer\u00edas tienen seguro insuficiente, lo que significa que el conductor de reparto no estar\u00e1 cubierto, pero varios restaurantes independientes y basados en franquicias pueden proporcionar un seguro de responsabilidad civil para veh\u00edculos contratados y no propietarios. Este tipo de pol\u00edtica protege a la compa\u00f1\u00eda en caso de un accidente causado por el conductor, pero no ofrece protecci\u00f3n de responsabilidad para el conductor. Otros empleadores pueden tener p\u00f3lizas de seguro de auto que cubren responsabilidad, pero este tipo de seguro no cubre da\u00f1os vehiculares ni facturas m\u00e9dicas. Cambiar a una pol\u00edtica de conductores comerciales es la \u00fanica forma segura de cubrir tanto los da\u00f1os como la responsabilidad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si usa su autom\u00f3vil para negocios y no est\u00e1 seguro de si debe comprar un seguro comercial de autom\u00f3viles, es una buena idea ponerse en contacto con un agente de seguros con experiencia para obtener informaci\u00f3n. Los agentes experimentados de Altra Insurance Services pueden ayudarlo con una amplia variedad de opciones de seguro, que incluyen motocicletas, propietarios de viviendas 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;\">\u00a0Los residentes deben llamar hoy a uno de nuestros representantes amistosos al 619-474-6666.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Las tarifas de seguro de auto para los conductores de reparto de pizzas dependen de varios factores. Pero la mayor\u00eda de las veces, las tasas de seguro de autom\u00f3viles ser\u00e1n m\u00e1s altas para estos conductores porque la entrega de pizza est\u00e1 cubierta por pol\u00edticas comerciales m\u00e1s que personales. Las tarifas suben debido al mayor riesgo debido a m\u00e1s tiempo en el camino, ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/pizza-delivery-car-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Do Pizza Delivery Drivers Pay More for Car Insurance?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":1926,"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-3139","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>Does Auto Insurance Go Up for Pizza Delivery Drivers?<\/title>\n<meta name=\"description\" content=\"People who use their cars for work may have to buy commercial insurance. Read on to learn what kind of insurance pizza delivery drivers usually need to buy.\" \/>\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\/pizza-delivery-car-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Auto Insurance Go Up for Pizza Delivery Drivers?\" \/>\n<meta property=\"og:description\" content=\"People who use their cars for work may have to buy commercial insurance. Read on to learn what kind of insurance pizza delivery drivers usually need to buy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/pizza-delivery-car-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-17T09:00:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-30T12:42:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2020\/02\/Auto-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":"Does Auto Insurance Go Up for Pizza Delivery Drivers?","description":"People who use their cars for work may have to buy commercial insurance. 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