{"id":75,"date":"2018-08-06T09:00:39","date_gmt":"2018-08-06T09:00:39","guid":{"rendered":"http:\/\/altrainsurance.com\/?p=75"},"modified":"2025-03-18T06:59:32","modified_gmt":"2025-03-18T06:59:32","slug":"auto-insurance-how-much-coverage-do-i-need","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/auto-insurance-how-much-coverage-do-i-need\/","title":{"rendered":"\u00bfCu\u00e1nta cobertura de seguro de autom\u00f3vil necesita?"},"content":{"rendered":"

La mayor\u00eda de los conductores en California eligen p\u00f3lizas de seguro de auto que se encuentran bajo los mandatos legales de responsabilidad. En otras palabras, les piden a sus agentes las primas m\u00e1s bajas que les permiten registrar sus veh\u00edculos y legalmente mantenerlos en la carretera. Si bien este enfoque est\u00e1 en l\u00ednea con los objetivos de finanzas personales, a menudo deja a los conductores con cobertura insuficiente cuando enfrentan ciertas situaciones. Idealmente, debe pensar en t\u00e9rminos de obtener la cobertura m\u00e1s completa disponible para usted como conductor y para su veh\u00edculo como un activo que necesita protecci\u00f3n. Los siguientes aspectos del seguro de auto pueden ayudarlo a determinar cu\u00e1nta cobertura debe obtener.<\/p>\n

Cobertura m\u00ednima de responsabilidad<\/h2>\n

Cuando los reguladores de seguros de California dictan la cantidad m\u00ednima legal de Seguro de auto en San Diego<\/a> cobertura que debe obtener, est\u00e1n analizando tres factores:<\/p>\n

Lesiones corporales experimentadas por una persona en un accidente.
\nLesiones corporales experimentadas por m\u00faltiples partes en un accidente.
\nDa\u00f1os materiales causados por accidente.<\/p>\n

California is a 15\/30\/5 state, which means the minimum coverage you should get is $30,000 per accident minimum $60,000 per accident minimum, and $15,000 Minimum for property damage.<\/p>\n

Cobertura de colisi\u00f3n<\/h2>\n

La regla 15\/30\/5 solo se aplica a lesiones y da\u00f1os a otras partes en un accidente. No cubre lo que le sucede a su propio autom\u00f3vil. La cobertura de colisi\u00f3n es una caracter\u00edstica que los bancos requieren para extender los pr\u00e9stamos para autom\u00f3viles y, en algunos casos, los prestamistas tambi\u00e9n pueden requerir deducibles bajos que aumentan la prima de la p\u00f3liza. La cobertura de colisi\u00f3n var\u00eda seg\u00fan el valor del veh\u00edculo.<\/p>\n

Cobertura de motorista sin seguro<\/h2>\n

La cobertura de motorista sin seguro se basa en la realidad socioecon\u00f3mica de no todos los conductores que siguen las reglas. En la actualidad, muchos veh\u00edculos son conducidos por personas que no tienen seguro o cuya cobertura de responsabilidad m\u00ednima es inadecuada. Cuando su agente de seguros menciona este tipo de cobertura, se recomienda incluirlo como parte de su p\u00f3liza.<\/p>\n

Cobertura completa o completa<\/h2>\n

Todos los conductores deben considerar seriamente una pol\u00edtica integral porque ofrece amplios l\u00edmites de cobertura junto con cl\u00e1usulas y disposiciones que brindan beneficios tales como asistencia en carretera, alquiler de autom\u00f3viles mientras su autom\u00f3vil est\u00e1 en la tienda y asistencia legal. Si bien los pagos de primas son m\u00e1s altos para este tipo de pol\u00edtica, la tranquilidad absoluta definitivamente vale la pena. Algunas compa\u00f1\u00edas de seguros ofrecer\u00e1n cobertura integral con primas m\u00e1s bajas si incluye otras p\u00f3lizas. Por ejemplo, un seguro para propietarios de viviendas con un plan de atenci\u00f3n m\u00e9dica m\u00e1s una cobertura completa de autom\u00f3viles. Los beneficios en este caso van m\u00e1s all\u00e1 de las primas m\u00e1s bajas. Si se lesiona en un accidente causado por un desastre natural, la cobertura combinada que brindan sus p\u00f3lizas de autom\u00f3vil y de salud podr\u00eda significar no tener que preocuparse por las facturas m\u00e9dicas. Algunas pol\u00edticas de cobertura total ofrecen la conveniencia de deducibles cero, que son c\u00f3modos en t\u00e9rminos de finanzas personales.<\/p>\n

Si necesita un seguro de auto confiable, recurra a Altra Insurance Services. Tambi\u00e9n somos un proveedor l\u00edder de productos asequibles. seguro de moto. San Diego<\/a> los propietarios de veh\u00edculos pueden llamar al (800) 719-9972 hoy para obtener una cotizaci\u00f3n complementaria sobre la cobertura del seguro.<\/p>","protected":false},"excerpt":{"rendered":"

La mayor\u00eda de los conductores en California eligen p\u00f3lizas de seguro de auto que se encuentran bajo los mandatos legales de responsabilidad. En otras palabras, les piden a sus agentes las primas m\u00e1s bajas que les permiten registrar sus veh\u00edculos y legalmente mantenerlos en la carretera. Si bien este enfoque est\u00e1 en l\u00ednea con los objetivos de finanzas personales, a menudo deja a los conductores con ... <\/p>\n

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