{"id":4128,"date":"2021-09-10T09:00:06","date_gmt":"2021-09-10T09:00:06","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4128"},"modified":"2022-09-30T11:04:32","modified_gmt":"2022-09-30T11:04:32","slug":"what-might-make-commercial-auto-insurance-premiums-go-up","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-might-make-commercial-auto-insurance-premiums-go-up\/","title":{"rendered":"Factores que pueden aumentar el costo del seguro de autom\u00f3vil comercial"},"content":{"rendered":"

El seguro de autom\u00f3viles comerciales es un activo invaluable para cualquier negocio que use veh\u00edculos regularmente para fines comerciales de una forma u otra. Sorprendentemente, no es inusual que las tarifas de seguros de autom\u00f3viles comerciales aumenten incluso si los empleados tienen buenos antecedentes de manejo. La raz\u00f3n es que el historial de reclamos relacionados con veh\u00edculos es solo uno de los factores que podr\u00edan hacer que aumenten las tarifas de seguros de autom\u00f3viles comerciales. Algunos otros se discuten a continuaci\u00f3n.<\/span><\/p>\n

Incidentes de conductores distra\u00eddos<\/h2>\n

Seg\u00fan Carinsurance.net, los conductores distra\u00eddos son responsables de casi tres millones de accidentes relacionados con veh\u00edculos cada a\u00f1o. Si tiene un a\u00f1o en el que algunos de sus conductores est\u00e1n involucrados en accidentes de esta naturaleza mientras conducen por motivos laborales, sus tasas de cobertura comercial podr\u00edan aumentar. Incluso si este no es el caso de su negocio, algunos <\/span>seguro de auto<\/span> providers may increase rates if there’s a higher statistical average of accidents of this nature nationwide.<\/span><\/p>\n

Falta de conductores experimentados<\/h2>\n

A medida que la econom\u00eda vuelve a ponerse en marcha, se vuelve cada vez m\u00e1s dif\u00edcil para las empresas encontrar conductores experimentados. Por ejemplo, las Asociaciones Estadounidenses de Camiones estiman que solo la industria de camiones comerciales tiene un d\u00e9ficit de aproximadamente 50,000 conductores. Tener una afluencia adicional de conductores sin experiencia en ciertas industrias significa que algunos proveedores de seguros comerciales podr\u00edan ver esto como un riesgo que justifica el aumento de las tarifas.<\/span><\/p>\n

Costos m\u00e1s altos relacionados con accidentes<\/h2>\n

En general, los costos relacionados con los accidentes est\u00e1n aumentando. Esto puede, a su vez, resultar en un aumento de seguro de auto San Diego<\/a> tarifas Las primas de seguros de salud y los costos m\u00e9dicos en general han aumentado, lo que aumenta los costos que los proveedores de seguros tienen que absorber para los conductores o pasajeros lesionados en accidentes. Los costos de reparaci\u00f3n de veh\u00edculos tambi\u00e9n est\u00e1n aumentando. Un art\u00edculo de investigaci\u00f3n de la AAA de 2018 se\u00f1ala que los costos asociados con la reparaci\u00f3n de veh\u00edculos m\u00e1s nuevos y avanzados con sistemas de asistencia al conductor y otras caracter\u00edsticas complejas pueden hacer que las reparaciones sean dos veces m\u00e1s costosas despu\u00e9s de un accidente que lo que es com\u00fan con los veh\u00edculos sin tales caracter\u00edsticas.<\/span><\/p>\n

M\u00e1s Conductores en las Carreteras de la Naci\u00f3n<\/h2>\n

Una Encuesta de conducci\u00f3n estadounidense de 2019 realizada por la Fundaci\u00f3n AAA encontr\u00f3 que los estadounidenses pasan colectivamente alrededor de 70 mil millones de horas en la carretera, un aumento de casi el 10 por ciento desde 2014. Este aumento en el tiempo de conducci\u00f3n en muchas carreteras y autopistas muy transitadas aumenta el riesgo de accidentes para conductores comerciales, lo que podr\u00eda ser otra raz\u00f3n por la cual las tarifas de seguros de autom\u00f3viles comerciales est\u00e1n aumentando para m\u00e1s empresas.<\/span><\/p>\n

Factores espec\u00edficos del negocio<\/h2>\n

Hay algunos factores m\u00e1s espec\u00edficos de su negocio y sus veh\u00edculos y conductores que tambi\u00e9n podr\u00edan afectar las tarifas de su seguro de autom\u00f3vil comercial. \u00c9stos incluyen:<\/span>
\n<\/span>
\n<\/span>\u2022 N\u00famero total de accidentes entre sus empleados<\/span>
\n<\/span>\u2022 Gravedad de cualquier accidente espec\u00edfico de su negocio, incluidos los costos totales involucrados<\/span>
\n<\/span>\u2022 Qu\u00e9 tan bien se mantienen sus veh\u00edculos comerciales<\/span>
\n<\/span>\u2022 Si tiene o no veh\u00edculos comerciales de mayor valor que podr\u00edan ser m\u00e1s costosos de reparar o reemplazar<\/span><\/p>\n

Mantener las tarifas de su seguro bajo control<\/h2>\n

Si tiene inquietudes sobre las tarifas de su seguro de autom\u00f3vil comercial, hable con su agente de seguros para preguntarle sobre los pasos que puede tomar para reducir lo que est\u00e1 pagando por la cobertura. Por lo general, los proveedores de seguros est\u00e1n dispuestos a trabajar con titulares de p\u00f3lizas comerciales con buenos antecedentes en general cuando es posible hacerlo.\u00a0<\/span><\/p>\n

Si no est\u00e1 seguro de si est\u00e1 obligado a comprar <\/span>seguro de auto comercial<\/span><\/a>, es una gran idea ponerse en contacto con un agente de seguros experto para obtener informaci\u00f3n. Los agentes experimentados de Altra Insurance Services pueden ayudarlo con una amplia variedad de opciones de seguros, que incluyen motocicletas, propietarios de viviendas y seguro comercial. San Diego<\/span> los residentes deben llamar a uno de nuestros amables representantes hoy al 800-719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

El seguro de autom\u00f3viles comerciales es un activo invaluable para cualquier negocio que use veh\u00edculos regularmente para fines comerciales de una forma u otra. Sorprendentemente, no es inusual que las tarifas de seguros de autom\u00f3viles comerciales aumenten incluso si los empleados tienen buenos antecedentes de manejo. La raz\u00f3n es que el historial de reclamos relacionados con veh\u00edculos es solo uno de los factores que... <\/p>\n

Continue reading “Factors that Can Raise the Cost of Commercial Auto Insurance”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4134,"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-4128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nWhat Could Cause Commercial Auto Insurance to Increase?<\/title>\n<meta name=\"description\" content=\"If your business is required to purchase insurance coverage for vehicles, check out this list of some of the factors that could cause your rates to increase.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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