{"id":4023,"date":"2021-07-19T09:00:57","date_gmt":"2021-07-19T09:00:57","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4023"},"modified":"2023-01-05T10:44:43","modified_gmt":"2023-01-05T10:44:43","slug":"is-personal-use-coverage-included-in-commercial-auto-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/is-personal-use-coverage-included-in-commercial-auto-insurance\/","title":{"rendered":"\u00bfEl uso personal est\u00e1 cubierto por una p\u00f3liza de seguro de autom\u00f3vil comercial?"},"content":{"rendered":"

Any vehicles used for business-related purposes need to be covered by commercial auto insurance, and traditional insurance is needed for personal vehicles. But it’s not always easy to entirely separate business and personal tasks involving a need to drive. For this reason, it can be helpful to gain some insight into <\/span> seguro de auto comercial <\/span><\/a> y cu\u00e1ndo puede aplicarse o no al uso de veh\u00edculos personales.<\/span><\/p>\n

How Commercial Auto Insurance Works<\/h2>\n

La mejor manera de responder a la pregunta sobre la cobertura de seguro de autom\u00f3viles comerciales y si se aplica o no al uso personal es explicar brevemente c\u00f3mo funciona este tipo de cobertura. El seguro de autom\u00f3vil comercial o comercial se aplica al veh\u00edculo asegurado y al conductor, al igual que el seguro est\u00e1ndar, pero lo obtiene el propietario de un negocio. Sin embargo, el seguro de autom\u00f3viles comerciales se diferencia del seguro de veh\u00edculos personales en que los l\u00edmites suelen ser m\u00e1s altos. Esto se debe a que la p\u00e9rdida de un autom\u00f3vil o cami\u00f3n utilizado para operaciones comerciales a menudo tiene un mayor impacto financiero en una empresa. <\/span>
\n<\/span>
\n<\/span>El seguro de veh\u00edculos comerciales puede aplicarse a: <\/span>
\n<\/span>
\n<\/span>\u2022 Furgonetas de reparto u otros veh\u00edculos propiedad de una empresa y que solo se utilicen para fines relacionados con la empresa<\/span>
\n<\/span>\u2022 Veh\u00edculos que una empresa proporciona a los empleados para uso comercial y personal<\/span>
\n<\/span>\u2022 Personal vehicles owned solely by employees and primarily used for business-related tasks<\/span><\/p>\n

Limitaciones del seguro de veh\u00edculos est\u00e1ndar<\/h2>\n

La raz\u00f3n principal por la que el seguro de autom\u00f3viles comerciales a veces se aplica a los veh\u00edculos que tambi\u00e9n se conducen para uso personal se debe a las limitaciones del seguro de veh\u00edculos est\u00e1ndar. El seguro de autom\u00f3vil est\u00e1ndar no se aplica a los veh\u00edculos que pertenecen a una empresa o a los que se conducen con fines comerciales. En otras palabras, una p\u00f3liza de seguro de autom\u00f3vil est\u00e1ndar no cubrir\u00eda un veh\u00edculo comercial.<\/span><\/p>\n

Veh\u00edculos propiedad de una empresa<\/h2>\n

Si un veh\u00edculo es propiedad de una empresa, el propietario de la empresa es responsable de comprar un seguro. Esto ser\u00eda un seguro de autom\u00f3vil comercial. Es com\u00fan que dichas p\u00f3lizas cubran el \"uso permisivo\", que se refiere a los momentos en que un empleado tiene el consentimiento del propietario del veh\u00edculo para usar tambi\u00e9n el veh\u00edculo cuando el empleado no est\u00e1 en el reloj. Por lo tanto, si ocurre un accidente fuera del trabajo, la p\u00f3liza de seguro de autom\u00f3vil probablemente cubrir\u00eda los gastos relacionados.<\/span><\/p>\n

Veh\u00edculos de uso personal<\/h2>\n

Los veh\u00edculos de uso personal son aquellos que un empleador permite que un empleado use para uso comercial y personal. En este caso, la estipulaci\u00f3n puede ser que necesitar\u00e1 el permiso de su jefe antes de usar el autom\u00f3vil para ciertos fines, como hacer un viaje de fin de semana con su familia.<\/span><\/p>\n

Veh\u00edculos de propiedad personal<\/h2>\n

En este caso, el veh\u00edculo es propiedad exclusiva del empleado. Por lo tanto, es posible que no est\u00e9 cubierto por una p\u00f3liza de seguro de autom\u00f3vil comercial si ocurre un accidente mientras conduce en su tiempo libre. Con una situaci\u00f3n como esta, es probable que se beneficie m\u00e1s de la cobertura de seguro de autom\u00f3vil est\u00e1ndar. Dicho esto, es posible que pueda obtener suficiente cobertura con una p\u00f3liza comercial si usa principalmente su propio autom\u00f3vil para fines relacionados con el negocio, como puede ser el caso si tiene un negocio fuera de su casa. Esto tambi\u00e9n podr\u00eda aplicarse si un autom\u00f3vil de su propiedad se usa principalmente para negocios y otro veh\u00edculo se usa para conducci\u00f3n personal.\u00a0<\/span><\/p>\n

Si no est\u00e1 seguro exactamente de lo que cubre su seguro de autom\u00f3vil comercial, aseg\u00farese de llamar a su agente de seguros para que no se encuentre con sorpresas desagradables. Para autom\u00f3viles, motocicletas, propietarios de viviendas y <\/span>seguro de inquilinos, San Diego<\/span><\/a> los residentes conf\u00edan en el equipo experimentado de Altra Insurance Services. Llame hoy a uno de nuestros amables agentes al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Cualquier veh\u00edculo utilizado para fines comerciales debe estar cubierto por un seguro de autom\u00f3vil comercial, y se necesita un seguro tradicional para veh\u00edculos personales. Pero no siempre es f\u00e1cil separar por completo las tareas comerciales y personales que implican la necesidad de conducir. Por esta raz\u00f3n, puede ser \u00fatil obtener informaci\u00f3n sobre el seguro de autom\u00f3viles comerciales y... <\/p>\n

Continue reading “Is Personal Use Covered by a Commercial Auto Insurance Policy?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4024,"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-4023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nDoes Commercial Auto Insurance Cover Personal Use?<\/title>\n<meta name=\"description\" content=\"A variety of vehicles are considered commercial vehicles for insurance purposes. Read on to learn if a commercial auto insurance policy covers personal use.\" \/>\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\/is-personal-use-coverage-included-in-commercial-auto-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Commercial Auto Insurance Cover Personal Use?\" \/>\n<meta property=\"og:description\" content=\"A variety of vehicles are considered commercial vehicles for insurance purposes. Read on to learn if a commercial auto insurance policy covers personal use.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/is-personal-use-coverage-included-in-commercial-auto-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2021-07-19T09:00:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-05T10:44:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-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 Commercial Auto Insurance Cover Personal Use?","description":"A variety of vehicles are considered commercial vehicles for insurance purposes. Read on to learn if a commercial auto insurance policy covers personal use.","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\/is-personal-use-coverage-included-in-commercial-auto-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"Does Commercial Auto Insurance Cover Personal Use?","og_description":"A variety of vehicles are considered commercial vehicles for insurance purposes. Read on to learn if a commercial auto insurance policy covers personal use.","og_url":"https:\/\/altrainsurance.com\/es\/is-personal-use-coverage-included-in-commercial-auto-insurance\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2021-07-19T09:00:57+00:00","article_modified_time":"2023-01-05T10:44:43+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","type":"image\/jpeg"}],"author":"Altra Insurance","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Altra Insurance","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"Is Personal Use Covered by a Commercial Auto Insurance Policy?","datePublished":"2021-07-19T09:00:57+00:00","dateModified":"2023-01-05T10:44:43+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/"},"wordCount":578,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","articleSection":["Auto Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/","url":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/","name":"Does Commercial Auto Insurance Cover Personal Use?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","datePublished":"2021-07-19T09:00:57+00:00","dateModified":"2023-01-05T10:44:43+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"A variety of vehicles are considered commercial vehicles for insurance purposes. Read on to learn if a commercial auto insurance policy covers personal use.","breadcrumb":{"@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#primaryimage","url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","contentUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","width":525,"height":350,"caption":"Commercial Auto Insurance Policy"},{"@type":"BreadcrumbList","@id":"https:\/\/altrainsurance.com\/is-personal-use-coverage-included-in-commercial-auto-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/altrainsurance.com\/"},{"@type":"ListItem","position":2,"name":"Is Personal Use Covered by a Commercial Auto Insurance Policy?"}]},{"@type":"WebSite","@id":"https:\/\/altrainsurance.com\/#website","url":"https:\/\/altrainsurance.com\/","name":"SEGURO ALTRA","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/altrainsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1","name":"Altra Insurance","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","caption":"Altra Insurance"},"sameAs":["http:\/\/blog578"],"url":"https:\/\/altrainsurance.com\/es\/author\/blog578-2\/"}]}},"jetpack_featured_media_url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/07\/Commercial-Auto-Insurance.jpg","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=4023"}],"version-history":[{"count":3,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4023\/revisions"}],"predecessor-version":[{"id":6982,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/4023\/revisions\/6982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media\/4024"}],"wp:attachment":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=4023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=4023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=4023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}