{"id":4263,"date":"2021-10-22T09:00:24","date_gmt":"2021-10-22T09:00:24","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4263"},"modified":"2026-05-21T13:29:29","modified_gmt":"2026-05-21T13:29:29","slug":"impact-of-fender-benders-on-insurance-rates","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/impact-of-fender-benders-on-insurance-rates\/","title":{"rendered":"\u00bfSubir\u00e1 mi seguro si tengo un accidente menor?"},"content":{"rendered":"

La mayor\u00eda de las personas hacen todo lo posible para conducir de manera segura y evitar accidentes, incluso choques con guardabarros. Sin embargo, estos incidentes pueden ocurrir, afectando su bienestar, veh\u00edculo y primas de seguro. A continuaci\u00f3n, los profesionales experimentados de Altra Insurance, los principales proveedores de <\/span>seguro de auto San Diego<\/span><\/a> los conductores conf\u00edan en un servicio confiable y de alta calidad, explique si un peque\u00f1o choque de guardabarros aumentar\u00e1 los costos de su seguro de autom\u00f3vil.<\/span><\/p>\n

Un probable aumento<\/h2>\n

Casi todas las tarifas de seguros aumentar\u00e1n incluso despu\u00e9s de un accidente menor, pero la tarifa generalmente no aumentar\u00e1 hasta que renueve su p\u00f3liza. Por lo tanto, puede darse una vuelta por las mejores ofertas. Si elige otro proveedor, lo mejor es tomar un curso de manejo, si est\u00e1 disponible, para demostrar que est\u00e1 interesado en mantener un historial de manejo seguro y posiblemente reducir su tarifa. Tambi\u00e9n busque programas de condonaci\u00f3n de accidentes o considere modificar su p\u00f3liza, por ejemplo, eligiendo un plan que aumente el deducible pero reduzca la prima.<\/span><\/p>\n

<\/b>Historial de conducci\u00f3n<\/h2>\n

La mayor\u00eda de los proveedores consideran la cantidad de reclamos que ha presentado anteriormente, especialmente en los \u00faltimos a\u00f1os. Podr\u00eda enfrentar un aumento significativo en su prima si ha presentado muchos reclamos en el pasado. El tipo de da\u00f1o hecho al veh\u00edculo oa otras personas es otro factor. Por ejemplo, un aumento de seguro suele ser menor cuando el accidente solo involucra el autom\u00f3vil y la propiedad. Sin embargo, si usted u otras personas resultan lesionadas, espere que el aumento de su seguro sea mayor.<\/span><\/p>\n

El costo del da\u00f1o<\/h2>\n

Algunas personas eligen cubrir el costo del da\u00f1o por su cuenta si no es tan alto como su deducible. Si el accidente es culpa suya, la parte de responsabilidad de su cobertura pagar\u00e1 los da\u00f1os causados \u200b\u200ba otro veh\u00edculo. La parte de colisi\u00f3n generalmente cubrir\u00e1 los da\u00f1os a su autom\u00f3vil si tiene este tipo de seguro.<\/span>
\n<\/span>
\n<\/span>Aunque tiene la opci\u00f3n de cubrir los da\u00f1os de su bolsillo, el accidente podr\u00eda ser m\u00e1s costoso de lo que supone. Un choque de guardabarros suena como un incidente menor, pero el taller de carrocer\u00eda que elija para las reparaciones podr\u00eda proporcionarle una lista de problemas que no espera. Tenga en cuenta que la mayor\u00eda de las compa\u00f1\u00edas de seguros requieren que los asegurados informen los accidentes dentro de un per\u00edodo de tiempo espec\u00edfico. Si supera este per\u00edodo de tiempo, la compa\u00f1\u00eda puede tener el derecho legal de rechazar su reclamo.<\/span><\/p>\n

no tiene la culpa<\/h2>\n

Incluso si usted no tiene la culpa del accidente, es probable que la tarifa de su seguro aumente. Sin embargo, puede aumentar solo en un peque\u00f1o porcentaje, y esto variar\u00e1 de persona a persona. Esto se debe a una variedad de razones, incluido el hecho de que es posible que su compa\u00f1\u00eda de seguros a\u00fan deba pagar despu\u00e9s del peque\u00f1o choque, ya sea que sea su culpa o no. Lo mejor es hablar con su proveedor o realizar una investigaci\u00f3n para ver cu\u00e1les son sus derechos.\u00a0<\/span><\/p>\n

Ya sea que haya tenido un accidente o no, es importante asegurarse de encontrar el m\u00e1s confiable <\/span>seguro de auto<\/span> para protegerse en el futuro. Si necesita un seguro de autom\u00f3vil asequible y confiable, no busque m\u00e1s all\u00e1 de los profesionales confiables de Altra Insurance Services. Podemos ocuparnos de una variedad de sus necesidades de seguro, incluyendo motocicletas, propietarios de viviendas y seguro de auto chula vista<\/a>. Ll\u00e1menos hoy al (800) 719-9972 para obtener m\u00e1s informaci\u00f3n sobre nuestros productos de seguros de alta calidad y nuestro servicio impecable.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

La mayor\u00eda de las personas hacen todo lo posible para conducir de manera segura y evitar accidentes, incluso choques con guardabarros. Sin embargo, estos incidentes pueden ocurrir, afectando su bienestar, veh\u00edculo y primas de seguro. A continuaci\u00f3n, los profesionales experimentados de Altra Insurance, los principales proveedores de seguros de autom\u00f3viles en los que los conductores de San Diego conf\u00edan para obtener un servicio confiable y de alta calidad, explican si un peque\u00f1o choque de guardabarros aumentar\u00e1... <\/p>\n

Continue reading “Will My Insurance Go Up if I Have a Minor Fender Bender?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4270,"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-4263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nDoes a Small Fender Bender Raise Your Insurance?<\/title>\n<meta name=\"description\" content=\"No matter how safely you drive, it's possible to be involved in a minor fender bender at some time. 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