{"id":25386,"date":"2023-03-20T11:22:06","date_gmt":"2023-03-20T15:22:06","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=25386"},"modified":"2024-07-24T16:04:59","modified_gmt":"2024-07-24T20:04:59","slug":"tenga-la-cabeza-fria-antes-de-hacer-un-reclamo-al-seguro","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/tenga-la-cabeza-fria-antes-de-hacer-un-reclamo-al-seguro\/","title":{"rendered":"Antes de hacer un reclamo al seguro"},"content":{"rendered":"\n<p>Tenga la cabeza fr\u00eda antes de hacer un reclamo al seguro. Tras involucrarnos en un accidente de auto, es com\u00fan contactar a la compa\u00f1\u00eda seguro para hacer el reclamo pertinente, sin tener en cuenta el monto del da\u00f1o. En la mayor\u00eda de los casos, despu\u00e9s que desembolsemos el deducible, la aseguradora cubrir\u00e1 los gastos por da\u00f1os, como establece el contrato.<br>Algunos automovilistas desconocen que por lo general las compa\u00f1\u00edas de seguro aumentan la tarifa de la p\u00f3liza despu\u00e9s de un reclamo. Se enteran cuando les llega la factura con el incremento.<br>Es un patr\u00f3n com\u00fan que, despu\u00e9s de que nos suban la prima mensual, nos enfademos con nuestra aseguradora y busquemos una opci\u00f3n m\u00e1s barata. Sin embargo, algunos se llevan la sorpresa al comprobar que las otras aseguradoras verifican el historial de los \u00faltimos cinco a\u00f1os de su potencial cliente. Si este ha estado envuelto en un accidente, la ratio que utilizar\u00e1n para evaluar su nivel de riesgo le perjudicar\u00e1.<br>Desde luego, si usted fue el culpable del accidente esa realidad tendr\u00e1 peor impacto en su prima mensual. Si caus\u00f3 el choque bajo las influencias de sustancias prohibidas o DUI, como se conoce en ingl\u00e9s, este dato puede permanecer en su historial por varias d\u00e9cadas.<br>Lo interesante de esta realidad es que, si usted no fue el culpable de un accidente, por ejemplo, si un \u00e1rbol le cay\u00f3 a encima a su auto o choc\u00f3 con un animal salvaje que inesperadamente se le cruz\u00f3 en la carretera y hace un reclamo, tambi\u00e9n su historial se ver\u00e1 afectado durante tres o cinco a\u00f1os. \u201cNuestros datos indican que usted tuvo un accidente de no culpa hace tres a\u00f1os\u201d, le explicar\u00e1 desde el otro lado de la l\u00ednea telef\u00f3nica un agente, cuando usted indague por qu\u00e9 es tan elevado el estimado de la prima que le ofrecen.<br>En fin, si usted ha parqueado y se encuentra su auto con un golpe en la defensa trasera, antes de llamar a la aseguradora, saque bien las cuentas si le conviene pagar de deducible para que le arreglen el da\u00f1o sufrido y como consecuencia durante cinco a\u00f1os aparezca en su historial un reclamo que incrementar\u00e1 su prima de seguro. Tenga la cabeza fr\u00eda antes de hacer un reclamo al seguro.<\/p>\n\n\n\n<p><strong>\u00a1Ll\u00e1manos hoy para una completa calificaci\u00f3n!\u00a0<a href=\"tel:3055089575\">(305) 508-9575<\/a>. Tambi\u00e9n puedes cotizar gratis\u00a0<a href=\"\/quotes\" target=\"_blank\" rel=\"noreferrer noopener\">aqu\u00ed<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tenga la cabeza fr\u00eda antes de hacer un reclamo al seguro. Tras involucrarnos en un accidente de auto, es com\u00fan contactar a la compa\u00f1\u00eda seguro para hacer el reclamo pertinente, sin tener en cuenta el monto del da\u00f1o. En la mayor\u00eda de los casos, despu\u00e9s que desembolsemos el deducible, la aseguradora cubrir\u00e1 los gastos por [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":25385,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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