{"id":46560,"date":"2017-11-09T00:00:00","date_gmt":"2017-11-09T06:00:00","guid":{"rendered":"https:\/\/duplicate-3724934.findlaw6.flsitebuilder.com\/blog\/2017\/11\/kentucky-insurance-rules-and-how-they-affect-you-after-a-crash\/"},"modified":"2017-11-09T00:00:00","modified_gmt":"2017-11-09T06:00:00","slug":"kentucky-insurance-rules-and-how-they-affect-you-after-a-crash","status":"publish","type":"post","link":"https:\/\/debrabrozlaw.com\/es\/blog\/2017\/11\/kentucky-insurance-rules-and-how-they-affect-you-after-a-crash\/","title":{"rendered":"Normas de seguro de Kentucky y c\u00f3mo le afectan despu\u00e9s de un accidente"},"content":{"rendered":"<p>Mucha gente considera el seguro de auto una obligaci\u00f3n costosa, cuando en realidad les ayuda a protegerse. Si bien el seguro no puede evitar un accidente, puede minimizar el impacto que un choque tiene en su vida si cuenta con la cobertura adecuada. El seguro de responsabilidad civil compensa el riesgo financiero asociado con la conducci\u00f3n.<\/p>\n<p>Las colisiones ocurren a diario por diversas razones. Ya sea por mal tiempo o por un problema mec\u00e1nico repentino, un choque puede causar miles de d\u00f3lares en da\u00f1os materiales y generar importantes gastos m\u00e9dicos. Para conducir legalmente en el estado de Kentucky, necesita tener una p\u00f3liza de seguro sin culpa vigente. Sin embargo, no todas las p\u00f3lizas son iguales. Algunas cubren m\u00e1s o menos que otras.<\/p>\n<p>Kentucky exige un seguro de responsabilidad civil para todos los veh\u00edculos<\/p>\n<p>Si desea registrar un veh\u00edculo en Kentucky, necesita un comprobante de cobertura de seguro. Este requisito existe para proteger a todos los residentes del estado de los costos asociados con los conductores sin seguro. Quienes no aseguren ni registren sus veh\u00edculos estar\u00e1n sujetos a sanciones graves, incluyendo una multa de entre $500 y $1,000 y hasta 90 d\u00edas de c\u00e1rcel. El estado tambi\u00e9n revocar\u00e1 la matr\u00edcula de cualquier veh\u00edculo que no tenga una cobertura de seguro v\u00e1lida.<\/p>\n<p>Los conductores sin seguro pueden causar muchos da\u00f1os, y sin la obligaci\u00f3n legal de tener p\u00f3lizas, el estado probablemente terminar\u00eda asumiendo gran parte de los costos asociados con los accidentes. Por supuesto, cuando las personas solo tienen el m\u00ednimo legal de seguro, esto puede dejar muchos gastos sin cubrir.<\/p>\n<p>La cobertura m\u00ednima de seguro de Kentucky no es mucha<\/p>\n<p>La cantidad m\u00ednima de cobertura que una persona puede tener legalmente es&nbsp;<a href=\"https:\/\/drive.ky.gov\/Motor-Vehicle-Licensing\/Pages\/Mandatory-Insurance.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">$10,000 por da\u00f1os a la propiedad<\/a>&nbsp;y $25,000 por una lesi\u00f3n o muerte, y $50,000 por dos o m\u00e1s personas lesionadas o fallecidas en un solo accidente. A primera vista, puede parecer una cobertura razonable, pero tras una cuidadosa consideraci\u00f3n, queda claro que esos m\u00ednimos no ofrecen mucha protecci\u00f3n. Incluso reemplazar un veh\u00edculo usado suele costar m\u00e1s de $10,000. Las reparaciones de veh\u00edculos pueden f\u00e1cilmente costar esa cantidad o m\u00e1s despu\u00e9s de una colisi\u00f3n grave.<\/p>\n<p>La cobertura m\u00e9dica es a\u00fan m\u00e1s problem\u00e1tica. Una sola cirug\u00eda o unas pocas semanas de hospitalizaci\u00f3n podr\u00edan agotar toda la cobertura del seguro disponible. Esto podr\u00eda dejarte a ti o a otras personas lesionadas con gastos m\u00e9dicos cuantiosos y sin fuente de ingresos. El nivel m\u00ednimo legal de seguro de auto te expone a una serie de problemas.<\/p>\n<p>Revisar su p\u00f3liza de seguro es una buena idea, especialmente si actualmente no tiene cl\u00e1usulas adicionales o&nbsp;<a href=\"https:\/\/debrabrozlaw.com\/es\/blog\/2017\/02\/why-you-need-uninsured-motorist-coverage\/\">cobertura para conductores sin seguro<\/a>&nbsp;o conductores con seguro insuficiente. Estas adiciones a su p\u00f3liza pueden ser muy econ\u00f3micas, pero ofrecen una gran protecci\u00f3n en caso de sufrir una colisi\u00f3n grave.<\/p>","protected":false},"excerpt":{"rendered":"<p>Mucha gente considera el seguro de auto una obligaci\u00f3n costosa, cuando en realidad les ayuda a protegerse. Si bien el seguro no puede evitar un accidente, puede minimizar el impacto que un choque tiene en su vida si cuenta con la cobertura adecuada. El seguro de responsabilidad civil compensa el riesgo financiero asociado con la conducci\u00f3n. Los accidentes ocurren a diario, [\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":[3],"tags":[],"class_list":["post-46560","post","type-post","status-publish","format-standard","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kentucky insurance rules and how they affect you after a crash - Debra L. 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