{"id":46187,"date":"2020-10-21T00:00:00","date_gmt":"2020-10-21T05:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2020\/10\/why-should-you-review-your-auto-insurance-proactively\/"},"modified":"2020-10-21T00:00:00","modified_gmt":"2020-10-21T05:00:00","slug":"why-should-you-review-your-auto-insurance-proactively","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2020\/10\/why-should-you-review-your-auto-insurance-proactively\/","title":{"rendered":"\u00bfPor qu\u00e9 deber\u00eda revisar su seguro de auto de forma proactiva?"},"content":{"rendered":"<p>Desafortunadamente, los residentes de Kentucky a menudo se enfrentan a obst\u00e1culos mucho antes de sufrir un accidente. Estos desaf\u00edos suelen surgir del seguro.<\/p>\n<p>Los asuntos de seguros pueden ser complejos. La mayor\u00eda de las personas solo buscan ahorrar dinero en sus p\u00f3lizas de seguro. Sin embargo, deben evitar errores graves para asegurarse no solo de ahorrar dinero, sino tambi\u00e9n de contar con protecci\u00f3n financiera en caso de accidente.<\/p>\n<h2>En primer lugar, \u00bfqu\u00e9 cobertura exige la ley?<\/h2>\n<p>Seg\u00fan la ley de Kentucky, todos los conductores\u00a0<a href=\"https:\/\/drive.ky.gov\/Motor-Vehicle-Licensing\/Pages\/Mandatory-Insurance.aspx#:~:text=You%20must%20have%20insurance&amp;text=All%20owners%20of%20motor%20vehicles,to%20carry%20minimum%20liability%20coverage.&amp;text=In%20addition%2C%20the%20policy%20must,304.39%2D087%2C%20KRS%20186A.\" target=\"_blank\" rel=\"noopener\">debe tener una cobertura de responsabilidad m\u00ednima<\/a>Esto generalmente cubre:<\/p>\n<ul>\n<li>$25,000 por lesiones corporales y $25,000 por da\u00f1os a la propiedad; o<\/li>\n<li>Una p\u00f3liza de l\u00edmite \u00fanico de $60,000.<\/li>\n<\/ul>\n<p>Todas las p\u00f3lizas de seguro de auto deben incluir tambi\u00e9n la Protecci\u00f3n contra Lesiones Personales (PIP) b\u00e1sica. Si bien esto puede ser todo lo que la ley exige a los conductores, es importante revisar cuidadosamente sus p\u00f3lizas de seguro. Esto puede ayudar a garantizar que cuenten con la protecci\u00f3n adecuada, no solo la exigida por la Commonwealth.<\/p>\n<h2>Eval\u00fae su p\u00f3liza para obtener la cobertura adecuada antes de un accidente<\/h2>\n<p>Muchas personas podr\u00edan obtener la cobertura obligatoria para ahorrar dinero a largo plazo. Pero es imposible saber qu\u00e9 esperar en caso de accidente.<\/p>\n<p>Por lo tanto, es fundamental calcular el riesgo que corren en caso de accidente para asegurarse de contar con la cobertura adecuada. Pueden evitar errores costosos revisando:<\/p>\n<ul>\n<li>Cobertura de responsabilidad civil: \u00bfLos requisitos de Kentucky funcionan para el individuo y su familia, o deber\u00edan considerar otra opci\u00f3n?<\/li>\n<li>Deducibles: Reevaluar el deducible de la p\u00f3liza de seguro de autom\u00f3vil puede ayudarle a ahorrar dinero en caso de accidente y, al mismo tiempo, maximizar su cobertura.<\/li>\n<li>Cobertura PIP: Las compa\u00f1\u00edas de seguros suelen ofrecer diversos tipos de cobertura PIP. Es recomendable revisarlas todas para elegir la mejor p\u00f3liza que cubra la p\u00e9rdida de ingresos y los gastos m\u00e9dicos en caso de accidente.<\/li>\n<li>Cobertura para conductores sin seguro vs. con seguro insuficiente: Se trata de dos p\u00f3lizas diferentes, y suele ser importante contratar ambas. La cobertura para conductores con seguro insuficiente puede ser \u00fatil cuando el seguro de un conductor negligente no cubre los da\u00f1os causados. Adem\u00e1s, muchas personas siguen conduciendo sin seguro. La cobertura para conductores sin seguro tambi\u00e9n puede ser \u00fatil en caso de un accidente de atropello y fuga.<\/li>\n<\/ul>\n<p>A\u00fan existen maneras de ahorrar dinero sin sacrificar la protecci\u00f3n en caso de accidente. Por eso, es importante revisar el seguro de auto con regularidad para maximizar su cobertura.<\/p>","protected":false},"excerpt":{"rendered":"<p>Desafortunadamente, los residentes de Kentucky a menudo se enfrentan a obst\u00e1culos mucho antes de sufrir un accidente. Estos desaf\u00edos suelen surgir del seguro. Los asuntos relacionados con los seguros pueden ser complejos. La mayor\u00eda de las personas solo buscan ahorrar dinero en sus p\u00f3lizas de seguro. Sin embargo, deben evitar errores graves para asegurarse no solo de ahorrar dinero, sino tambi\u00e9n [\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-46187","post","type-post","status-publish","format-standard","hentry","category-car-accidents"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why should you review your auto insurance proactively? - Debra L. 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