{"id":314,"date":"2018-10-05T09:00:28","date_gmt":"2018-10-05T09:00:28","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=314"},"modified":"2026-05-21T10:32:07","modified_gmt":"2026-05-21T10:32:07","slug":"why-car-insurance-increases-after-accident","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-car-insurance-increases-after-accident\/","title":{"rendered":"\u00bfPor qu\u00e9 aumenta el seguro de autom\u00f3viles despu\u00e9s de un accidente?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Las tasas de seguro de autom\u00f3vil se ven afectadas por muchos factores, incluido el lugar donde vive y el tipo de autom\u00f3vil que conduce. Su historial de manejo es uno de los factores m\u00e1s importantes y el m\u00e1s grande que puede controlar. Una multa por exceso de velocidad puede aumentar la prima de su seguro de autom\u00f3vil, pero un accidente se considera a\u00fan peor. Esto es lo que debe saber sobre c\u00f3mo su seguro de autom\u00f3vil se ve afectado por un accidente.<\/span><\/p>\n<h2>Por qu\u00e9 un accidente causa un aumento de la tarifa<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro de autom\u00f3vil est\u00e1 dise\u00f1ado para protegerlo del riesgo financiero de un accidente, que puede involucrar facturas m\u00e9dicas, da\u00f1os a su autom\u00f3vil y responsabilidad legal. Tu <\/span><span style=\"font-weight: 400;\">seguro de auto<\/span><span style=\"font-weight: 400;\"> La compa\u00f1\u00eda basa su prima en la probabilidad de que realice un reclamo. Si tiene un historial de reclamos de seguro de autom\u00f3vil, un registro de multas por exceso de velocidad o un autom\u00f3vil que tiene un mal desempe\u00f1o en las pruebas de choque, se lo considera m\u00e1s riesgoso y tendr\u00e1 tasas m\u00e1s altas. Cuando tiene un accidente, puede ser visto como un riesgo mayor para asegurar y la compa\u00f1\u00eda de seguros aumentar\u00e1 sus primas para compensar este riesgo.<\/span><\/p>\n<p>Para saber c\u00f3mo diferentes tipos de accidentes pueden afectar la tasa de su <a href=\"https:\/\/altrainsurance.com\/\">seguro de auto, National City<\/a> Los agentes de seguros pueden ser \u00fatiles.<\/p>\n<h2>\u00bfQu\u00e9 se considera un accidente?<\/h2>\n<p><span style=\"font-weight: 400;\">Las compa\u00f1\u00edas de seguros de autom\u00f3viles pueden definir lo que se considera un &quot;accidente calificado&quot; con el fin de evaluar su riesgo. Algunas compa\u00f1\u00edas de seguros definen un accidente como un reclamo de $750 o m\u00e1s en cobertura combinada de da\u00f1os a la propiedad y colisi\u00f3n, mientras que otras establecen el umbral m\u00e1s bajo en $500. Su parte de culpa en el accidente tambi\u00e9n ser\u00e1 importante en California. Si tiene menos del 50 por ciento de la culpa, su proveedor de seguros no le cobrar\u00e1 tarifas m\u00e1s altas por el accidente.<\/span><\/p>\n<h2>En la falla versus los accidentes sin culpa<\/h2>\n<p><span style=\"font-weight: 400;\">La ley de California proh\u00edbe a los proveedores de seguros aumentar las primas para los conductores involucrados en accidentes si no tuvieron la culpa. Si se lo encuentra incluso parcialmente responsable, es probable que aumente la prima de su seguro de autom\u00f3vil. California tiende a tener los mayores aumentos en las tasas de accidentes en el pa\u00eds porque la ley estatal exige que las compa\u00f1\u00edas de seguros otorguen un peso especial a tres factores para determinar las primas: registro de manejo, experiencia de manejo y millas recorridas por a\u00f1o. Solo una vez que se consideran estos factores, la aseguradora puede considerar algo como la ubicaci\u00f3n geogr\u00e1fica. La ley de California proh\u00edbe a las aseguradoras considerar la edad o el historial crediticio. Si est\u00e1 involucrado en un accidente por culpa, podr\u00eda manchar un historial de manejo limpio.<\/span><\/p>\n<h2>\u00bfCu\u00e1nto puede subir su seguro despu\u00e9s de un accidente?<\/h2>\n<p><span style=\"font-weight: 400;\">El aumento de su prima depender\u00e1 de varios factores, incluido su historial de manejo, si tuvo la culpa, si el accidente solo caus\u00f3 da\u00f1os a la propiedad o lesiones corporales, y su compa\u00f1\u00eda de seguros. Las tarifas pueden aumentar de 20 por ciento a m\u00e1s de 90 por ciento despu\u00e9s de un solo accidente culpable. En California, donde la tasa promedio anual para el seguro de autom\u00f3vil es de aproximadamente $1,460, un accidente por culpa de lesiones corporales causa un aumento promedio de la prima del 90 por ciento a $2,750. Sin embargo, este recargo var\u00eda seg\u00fan la compa\u00f1\u00eda de seguros.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you need reliable and affordable car insurance, reach out to <strong><a href=\"https:\/\/altrainsurance.com\/\">Servicios de seguros Altra<\/a><\/strong>. We also offer top-quality\u00a0<\/span>motorcycle insurance. National City families can receive a complimentary quote by getting in touch with one of our friendly agents at (800) 719-9972.<\/p>","protected":false},"excerpt":{"rendered":"<p>Las tasas de seguro de autom\u00f3vil se ven afectadas por muchos factores, incluido el lugar donde vive y el tipo de autom\u00f3vil que conduce. Su historial de manejo es uno de los factores m\u00e1s importantes y el m\u00e1s grande que puede controlar. Una multa por exceso de velocidad puede aumentar la prima de su seguro de autom\u00f3vil, pero un accidente se considera a\u00fan peor. ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/why-car-insurance-increases-after-accident\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Why Auto Insurance Increases Following an Accident&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":317,"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-314","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>Why Auto Insurance Increases Following an Accident<\/title>\n<meta name=\"description\" content=\"Following an accident, you need to contact your insurance agency, and you may find the rate increases. 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Here's why car insurance goes up after an accident.","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\/why-car-insurance-increases-after-accident\/","og_locale":"es_ES","og_type":"article","og_title":"Why Auto Insurance Increases Following an Accident","og_description":"Following an accident, you need to contact your insurance agency, and you may find the rate increases. 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