{"id":1295,"date":"2023-03-24T08:55:31","date_gmt":"2023-03-24T08:55:31","guid":{"rendered":"https:\/\/robertkyounglaw.flywheelsites.com\/?p=1295"},"modified":"2023-03-24T09:03:42","modified_gmt":"2023-03-24T09:03:42","slug":"como-los-conductores-sin-seguro-pueden-danar-su-billetera-en-un-accidente-automovilistico","status":"publish","type":"post","link":"https:\/\/robertkyounglaw.com\/es\/how-uninsured-drivers-can-hurt-your-wallet-in-a-car-accident\/","title":{"rendered":"\u00a1C\u00f3mo los conductores sin seguro pueden da\u00f1ar SU billetera en un accidente automovil\u00edstico!"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1295\" class=\"elementor elementor-1295\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e9a3d19 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e9a3d19\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27130e63\" data-id=\"27130e63\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d0fb0e9 elementor-widget elementor-widget-heading\" data-id=\"5d0fb0e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00a1C\u00f3mo los conductores sin seguro pueden da\u00f1ar SU billetera en un accidente automovil\u00edstico!\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4840fda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4840fda\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7086c0b\" data-id=\"7086c0b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6deb280 elementor-widget elementor-widget-image\" data-id=\"6deb280\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"360\" height=\"240\" src=\"https:\/\/robertkyounglaw.com\/wp-content\/uploads\/2023\/03\/blog4.png\" class=\"attachment-full size-full wp-image-1297\" alt=\"Legal advice or case studie\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3f8d5dd\" data-id=\"3f8d5dd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ba484aa elementor-widget elementor-widget-text-editor\" data-id=\"ba484aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSu p\u00f3liza de seguro de autom\u00f3vil del estado de Nueva York incluye varios tipos diferentes de cobertura para protegerlo en caso de accidente. La mayor parte de esta cobertura lo protege de la responsabilidad ante terceros; es decir, paga las reclamaciones de otros conductores cuando usted tiene la culpa del accidente. Sin embargo, no le paga por sus propios da\u00f1os (excepto los gastos b\u00e1sicos como gastos m\u00e9dicos y salarios perdidos incurridos). Cuando uno o m\u00e1s conductores tienen la culpa, la p\u00f3liza de seguro de estos conductores le paga a usted. Pero \u00bfqu\u00e9 pasa si los otros conductores tienen poco o ning\u00fan seguro, o los otros conductores abandonan la escena del accidente y nunca son encontrados? En tal situaci\u00f3n, es posible que no exista forma de compensarlo por su dolor y sufrimiento o por la p\u00e9rdida continua de salarios, los cuales generalmente constituyen la gran mayor\u00eda de los da\u00f1os totales incurridos por personas en accidentes automovil\u00edsticos. Esta es la raz\u00f3n por la que la cobertura suplementaria para conductores con seguro insuficiente y para conductores sin seguro (\u201cSUM\/UM\u201d) es tan importante. SUM\/UM te cubre a ti y a tus familiares con quienes resides hasta el monto de la cobertura que compres, en caso de que otro automovilista culpable del accidente tenga un seguro inadecuado o abandone el lugar del accidente.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fbf2fe elementor-widget elementor-widget-text-editor\" data-id=\"0fbf2fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPor ejemplo, suponiendo que haya incurrido en dolor y sufrimiento por $100,000 en un accidente automovil\u00edstico con un acusado culpable que compr\u00f3 una p\u00f3liza de seguro que solo ten\u00eda la cobertura de responsabilidad m\u00ednima del estado de Nueva York de $25,000. Sin la cobertura SUM\/UM, usted podr\u00eda recuperar como m\u00e1ximo $25,000 de la compa\u00f1\u00eda de seguros del demandado, y los $75,000 restantes en da\u00f1os no se pueden recuperar de su propio proveedor de seguros, as\u00ed como del demandado culpable (que , en virtud de la compra de una p\u00f3liza con cobertura m\u00ednima, probablemente no posee bienes personales que puedan satisfacer el d\u00e9ficit de $75.000). Sin embargo, si su p\u00f3liza de seguro inclu\u00eda una p\u00f3liza de $100,000 SUM\/UM, podr\u00eda recuperar los $75,000 restantes de su propia compa\u00f1\u00eda de seguros, \u00a1aunque el demandado tuviera la culpa!\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c7e48d elementor-widget elementor-widget-text-editor\" data-id=\"9c7e48d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\u00bfPOR QU\u00c9 NO TODOS COMPRAN UNA COBERTURA DE SUMA\/UM ADECUADA?\n<br\/>\nLa cobertura SUM\/UM es fundamental para garantizar que est\u00e9 cubierto adecuadamente en caso de accidente. La cobertura tambi\u00e9n es muy econ\u00f3mica y generalmente aumenta las primas solo unos centavos por d\u00eda. Entonces, \u00bfpor qu\u00e9 un n\u00famero sustancial de automovilistas de Nueva York no incluyen l\u00edmites de cobertura SUM\/UM adecuados en sus p\u00f3lizas? Culpe a su compa\u00f1\u00eda\/agente de seguros. Las compa\u00f1\u00edas de seguros ganan dinero cuando cobran primas, no cuando pagan reclamaciones a los asegurados lesionados. Las primas adicionales que reciben estas compa\u00f1\u00edas por la cobertura SUM\/UM son m\u00ednimas y muchas veces no compensan adecuadamente los reclamos realizados por los asegurados con cobertura SUM\/UM. Por esta raz\u00f3n, las compa\u00f1\u00edas de seguros pueden verse incentivadas a no educar a sus asegurados sobre la cobertura SUM\/UM y\/o establecer coberturas SUM\/UM predeterminadas en montos inadecuados con la esperanza de que los asegurados no opten por aumentar la cobertura.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07c6f7e elementor-widget elementor-widget-text-editor\" data-id=\"07c6f7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLa conclusi\u00f3n es que no cuente con nadie m\u00e1s para protegerlo: prot\u00e9jase a s\u00ed mismo y a su familia asegur\u00e1ndose de tener los beneficios m\u00e1ximos de SUM\/UM disponibles por su compa\u00f1\u00eda de seguros. En caso de que surja la necesidad, se alegrar\u00e1 de tener el beneficio disponible. Si tiene alguna pregunta, llame a nuestra oficina y estaremos encantados de ayudarle.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Su p\u00f3liza de seguro de autom\u00f3vil del estado de Nueva York incluye varios tipos diferentes de cobertura para protegerlo en caso de <\/p>","protected":false},"author":2,"featured_media":1297,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How uninsured drivers can hurt YOUR wallet in a car accident!!! | Robert K. 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