{"id":28146,"date":"2019-11-23T14:47:49","date_gmt":"2019-11-23T20:47:49","guid":{"rendered":"https:\/\/ericramoslaw.com\/abogado-de-accidentes-de-auto-de-san-antonio\/texas-car-insurance-limits\/"},"modified":"2025-11-20T03:10:24","modified_gmt":"2025-11-20T09:10:24","slug":"limites-de-seguro-de-auto-en-texas","status":"publish","type":"page","link":"https:\/\/ericramoslaw.com\/es\/abogado-de-accidentes-de-auto-de-san-antonio\/limites-de-seguro-de-auto-en-texas\/","title":{"rendered":"L\u00edmites de seguro de autom\u00f3vil en Texas"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; disabled_on=&#8221;on|off|off&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;Seguro de autom\u00f3vil&#8221; text_orientation=&#8221;center&#8221; button_one_url=&#8221;https:\/\/ericramoslaw.com\/es\/contacto\/&#8221; button_two_url=&#8221;#info-anchor&#8221; _builder_version=&#8221;4.16&#8243; title_level=&#8221;h2&#8243; title_font=&#8221;||||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;#ffffff&#8221; title_font_size=&#8221;60px&#8221; background_color=&#8221;rgba(0,0,0,0.6)&#8221; background_image=&#8221;http:\/\/ericramoslaw.com\/wp-content\/uploads\/2019\/11\/San-Antonio-Car-Accident-Lawyer-Header.jpg&#8221; background_blend=&#8221;overlay&#8221; custom_button_one=&#8221;on&#8221; button_one_text_color=&#8221;#ffffff&#8221; button_one_bg_color=&#8221;#d34c41&#8243; button_one_border_color=&#8221;#d34c41&#8243; button_one_font=&#8221;|700|||||||&#8221; button_one_use_icon=&#8221;off&#8221; custom_button_two=&#8221;on&#8221; button_two_text_color=&#8221;#ffffff&#8221; button_two_font=&#8221;|700|||||||&#8221; button_two_use_icon=&#8221;off&#8221; background_layout=&#8221;light&#8221; custom_margin=&#8221;|||&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;||93px|||&#8221; custom_padding_tablet=&#8221;||100px|&#8221; custom_padding_phone=&#8221;||100px|&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; title_font_size_tablet=&#8221;62px&#8221; title_font_size_phone=&#8221;48px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; title_line_height_tablet=&#8221;&#8221; title_line_height_phone=&#8221;1em&#8221; title_line_height_last_edited=&#8221;on|desktop&#8221; button_two_text_color_hover=&#8221;#d34c41&#8243; button_one_border_color_hover=&#8221;#c13613&#8243; button_one_bg_color_hover=&#8221;#c13613&#8243; button_two_bg_color_hover=&#8221;#ffffff&#8221; global_colors_info=&#8221;{}&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;on&#8221; button_two_text_color__hover=&#8221;#d34c41&#8243; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;on&#8221; button_one_border_color__hover=&#8221;#c13613&#8243; button_two_border_color__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;on&#8221; button_one_bg_color__hover=&#8221;#c13613&#8243; button_two_bg_color__hover_enabled=&#8221;on&#8221; button_two_bg_color__hover=&#8221;#ffffff&#8221;][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;info-anchor&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;##f4f4f4&#8243; custom_padding=&#8221;0px|0px|0px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; admin_label=&#8221;T\u00edtulo H1&#8243; module_class=&#8221; et_pb_row_fullwidth&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#9d8e83&#8243; width=&#8221;100%&#8221; width_tablet=&#8221;100%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;100%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;25.5938px|0px|14px|0px&#8221; box_shadow_style=&#8221;preset2&#8243; make_fullwidth=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; ul_font=&#8221;||||||||&#8221; header_font=&#8221;||||||||&#8221; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;36px&#8221; header_line_height=&#8221;0.5em&#8221; header_2_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221; header_5_font=&#8221;||||||||&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221; header_font_size_tablet=&#8221;28px&#8221; header_font_size_phone=&#8221;29px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; header_line_height_tablet=&#8221;1.1em&#8221; header_line_height_phone=&#8221;1.1em&#8221; header_line_height_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Comprendiendo los l\u00edmites de las p\u00f3lizas de seguro de autom\u00f3vil en Texas<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;2_3,1_3&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;50px||60px|&#8221; custom_padding_tablet=&#8221;20px||30px|&#8221; custom_padding_phone=&#8221;20px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>\u00bfPagar\u00e1 una compa\u00f1\u00eda de seguros todos los da\u00f1os asociados con su accidente? Depende. Uno de los factores determinantes son los l\u00edmites de la p\u00f3liza en el seguro de autom\u00f3vil del conductor responsable.   <\/p>\n<p>Est\u00e1n obligados a pagar solo hasta el l\u00edmite, incluso si sus gastos exceden considerablemente dicho l\u00edmite. Es imperativo que usted comprenda estos l\u00edmites, c\u00f3mo protegerse financieramente y cu\u00e1les son sus opciones. <\/p>\n<h3>Tipos de seguro de autom\u00f3vil disponibles en Texas<\/h3>\n<p>Las p\u00f3lizas de seguro de autom\u00f3vil pueden estar compuestas por ocho tipos diferentes de coberturas. Cada una ofrece par\u00e1metros muy espec\u00edficos sobre lo que cubrir\u00e1n y lo que no. <\/p>\n<p><strong>Cobertura de responsabilidad civil<\/strong><\/p>\n<p>La responsabilidad civil es la parte de la p\u00f3liza que paga por los da\u00f1os cuando usted es el conductor responsable. Tambi\u00e9n es la parte del seguro del otro conductor que le pagar\u00e1 a usted, en caso de que el otro conductor sea el responsable.  <\/p>\n<p><strong>Cobertura de colisi\u00f3n<\/strong><\/p>\n<p>El seguro de colisi\u00f3n paga cuando tiene que reparar o reemplazar su autom\u00f3vil despu\u00e9s de un accidente. Observe que este tipo de cobertura no maneja casos en los que el autom\u00f3vil necesita ser reparado o reemplazado por otras razones. <\/p>\n<p><strong>Cobertura integral<\/strong><\/p>\n<p>No se deje enga\u00f1ar por el t\u00edtulo. \u201cIntegral\u201d no significa \u201cque le cubre todo.\u201d Esta es la cobertura que le cubrir\u00e1 cuando su autom\u00f3vil necesite ser reparado o reemplazado como resultado de actividad delictiva o debido a condiciones clim\u00e1ticas severas. No cubre ning\u00fan otro tipo de da\u00f1o.   <\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text module_id=&#8221;onlinecontact&#8221; _builder_version=&#8221;4.27.4&#8243; text_font=&#8221;||||||||&#8221; background_color=&#8221;#ffffff&#8221; custom_margin=&#8221;0px|||||&#8221; custom_padding=&#8221;50px|15px|15px|15px|false|false&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;#969696&#8243; global_module=&#8221;5355&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: x-large;\"><span style=\"text-decoration: underline;\"><strong>Evaluaci\u00f3n Gratuita del Caso<\/strong><\/span><span style=\"text-decoration: underline; color: #0c71c3;\"><strong><br \/><\/strong><\/span><\/span>Para asistencia inmediata, por favor ll\u00e1menos al <a href=\"tel:2104044878\">(210) 404-4878<\/a>.<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-4958\"><form id=\"wpforms-form-4958\" class=\"wpforms-validate wpforms-form\" data-formid=\"4958\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/es\/wp-json\/wp\/v2\/pages\/28146\" data-token=\"ae5de3de14d566f1faab148e5cb5aa02\" data-token-time=\"1777565370\"><noscript class=\"wpforms-error-noscript\">Por favor, activa JavaScript en tu navegador para completar este formulario.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-4958-field_0-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"0\"><label class=\"wpforms-field-label\">Name <span class=\"wpforms-required-label\">*<\/span><\/label><div class=\"wpforms-field-row wpforms-field-large\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-4958-field_0\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][0][first]\" required><label for=\"wpforms-4958-field_0\" class=\"wpforms-field-sublabel after\">Nombre<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-4958-field_0-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][0][last]\" required><label for=\"wpforms-4958-field_0-last\" class=\"wpforms-field-sublabel after\">Apellidos<\/label><\/div><\/div><\/div><div id=\"wpforms-4958-field_3-container\" class=\"wpforms-field wpforms-field-phone\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-4958-field_3\">Phone <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"tel\" id=\"wpforms-4958-field_3\" class=\"wpforms-field-large wpforms-field-required wpforms-masked-input\" data-inputmask=\"&#039;mask&#039;: &#039;(999) 999-9999&#039;\" data-rule-us-phone-field=\"true\" data-inputmask-inputmode=\"tel\" name=\"wpforms[fields][3]\" aria-label=\"Phone\" required><\/div><div id=\"wpforms-4958-field_6-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"6\"><label class=\"wpforms-field-label\">Opt-in to receive text messages<\/label><ul id=\"wpforms-4958-field_6\"><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-4958-field_6_2\" name=\"wpforms[fields][6][]\" value=\"Yes, I would like to receive texts from Eric Ramos Law, PLLC.\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-4958-field_6_2\">Yes, I would like to receive texts from Eric Ramos Law, PLLC.<\/label><\/li><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-4958-field_6_1\" name=\"wpforms[fields][6][]\" value=\"No, I do not wish to received texts from Eric Ramos Law, PLLC.\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-4958-field_6_1\">No, I do not wish to received texts from Eric Ramos Law, PLLC.<\/label><\/li><\/ul><\/div><div id=\"wpforms-4958-field_1-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-4958-field_1\">Email<\/label><input type=\"email\" id=\"wpforms-4958-field_1\" class=\"wpforms-field-large\" name=\"wpforms[fields][1]\" spellcheck=\"false\" ><\/div><div id=\"wpforms-4958-field_5-container\" class=\"wpforms-field wpforms-field-date-time\" data-field-id=\"5\"><label class=\"wpforms-field-label\">Approximate Date of Injury<\/label><div class=\"wpforms-field-date-dropdown-wrap wpforms-field-medium\"><select name=\"wpforms[fields][5][date][m]\" id=\"wpforms-4958-field_5-month\" class=\"wpforms-field-date-time-date-month\" ><option value=\"\" class=\"placeholder\" selected disabled>MM<\/option><option value=\"1\" >1<\/option><option value=\"2\" >2<\/option><option value=\"3\" >3<\/option><option value=\"4\" >4<\/option><option value=\"5\" >5<\/option><option value=\"6\" >6<\/option><option value=\"7\" >7<\/option><option value=\"8\" >8<\/option><option value=\"9\" >9<\/option><option value=\"10\" >10<\/option><option value=\"11\" >11<\/option><option value=\"12\" >12<\/option><\/select><select name=\"wpforms[fields][5][date][d]\" id=\"wpforms-4958-field_5-day\" class=\"wpforms-field-date-time-date-day\" ><option value=\"\" class=\"placeholder\" selected disabled>DD<\/option><option value=\"1\" >1<\/option><option value=\"2\" >2<\/option><option value=\"3\" >3<\/option><option value=\"4\" >4<\/option><option value=\"5\" >5<\/option><option value=\"6\" >6<\/option><option value=\"7\" >7<\/option><option value=\"8\" >8<\/option><option value=\"9\" >9<\/option><option value=\"10\" >10<\/option><option value=\"11\" >11<\/option><option value=\"12\" >12<\/option><option value=\"13\" >13<\/option><option value=\"14\" >14<\/option><option value=\"15\" >15<\/option><option value=\"16\" >16<\/option><option value=\"17\" >17<\/option><option value=\"18\" >18<\/option><option value=\"19\" >19<\/option><option value=\"20\" >20<\/option><option value=\"21\" >21<\/option><option value=\"22\" >22<\/option><option value=\"23\" >23<\/option><option value=\"24\" >24<\/option><option value=\"25\" >25<\/option><option value=\"26\" >26<\/option><option value=\"27\" >27<\/option><option value=\"28\" >28<\/option><option value=\"29\" >29<\/option><option value=\"30\" >30<\/option><option value=\"31\" >31<\/option><\/select><select name=\"wpforms[fields][5][date][y]\" id=\"wpforms-4958-field_5-year\" class=\"wpforms-field-date-time-date-year\" ><option value=\"\" class=\"placeholder\" selected disabled>AAAA<\/option><option value=\"2027\" >2027<\/option><option value=\"2026\" >2026<\/option><option value=\"2025\" >2025<\/option><option value=\"2024\" >2024<\/option><option value=\"2023\" >2023<\/option><option value=\"2022\" >2022<\/option><option value=\"2021\" >2021<\/option><option value=\"2020\" >2020<\/option><option value=\"2019\" >2019<\/option><option value=\"2018\" >2018<\/option><option value=\"2017\" >2017<\/option><option value=\"2016\" >2016<\/option><option value=\"2015\" >2015<\/option><option value=\"2014\" >2014<\/option><option value=\"2013\" >2013<\/option><option value=\"2012\" >2012<\/option><option value=\"2011\" >2011<\/option><option value=\"2010\" >2010<\/option><option value=\"2009\" >2009<\/option><option value=\"2008\" >2008<\/option><option value=\"2007\" >2007<\/option><option value=\"2006\" >2006<\/option><option value=\"2005\" >2005<\/option><option value=\"2004\" >2004<\/option><option value=\"2003\" >2003<\/option><option value=\"2002\" >2002<\/option><option value=\"2001\" >2001<\/option><option value=\"2000\" >2000<\/option><option value=\"1999\" >1999<\/option><option value=\"1998\" >1998<\/option><option value=\"1997\" >1997<\/option><option value=\"1996\" >1996<\/option><option value=\"1995\" >1995<\/option><option value=\"1994\" >1994<\/option><option value=\"1993\" >1993<\/option><option value=\"1992\" >1992<\/option><option value=\"1991\" >1991<\/option><option value=\"1990\" >1990<\/option><option value=\"1989\" >1989<\/option><option value=\"1988\" >1988<\/option><option value=\"1987\" >1987<\/option><option value=\"1986\" >1986<\/option><option value=\"1985\" >1985<\/option><option value=\"1984\" >1984<\/option><option value=\"1983\" >1983<\/option><option value=\"1982\" >1982<\/option><option value=\"1981\" >1981<\/option><option value=\"1980\" >1980<\/option><option value=\"1979\" >1979<\/option><option value=\"1978\" >1978<\/option><option value=\"1977\" >1977<\/option><option value=\"1976\" >1976<\/option><option value=\"1975\" >1975<\/option><option value=\"1974\" >1974<\/option><option value=\"1973\" >1973<\/option><option value=\"1972\" >1972<\/option><option value=\"1971\" >1971<\/option><option value=\"1970\" >1970<\/option><option value=\"1969\" >1969<\/option><option value=\"1968\" >1968<\/option><option value=\"1967\" >1967<\/option><option value=\"1966\" >1966<\/option><option value=\"1965\" >1965<\/option><option value=\"1964\" >1964<\/option><option value=\"1963\" >1963<\/option><option value=\"1962\" >1962<\/option><option value=\"1961\" >1961<\/option><option value=\"1960\" >1960<\/option><option value=\"1959\" >1959<\/option><option value=\"1958\" >1958<\/option><option value=\"1957\" >1957<\/option><option value=\"1956\" >1956<\/option><option value=\"1955\" >1955<\/option><option value=\"1954\" >1954<\/option><option value=\"1953\" >1953<\/option><option value=\"1952\" >1952<\/option><option value=\"1951\" >1951<\/option><option value=\"1950\" >1950<\/option><option value=\"1949\" >1949<\/option><option value=\"1948\" >1948<\/option><option value=\"1947\" >1947<\/option><option value=\"1946\" >1946<\/option><option value=\"1945\" >1945<\/option><option value=\"1944\" >1944<\/option><option value=\"1943\" >1943<\/option><option value=\"1942\" >1942<\/option><option value=\"1941\" >1941<\/option><option value=\"1940\" >1940<\/option><option value=\"1939\" >1939<\/option><option value=\"1938\" >1938<\/option><option value=\"1937\" >1937<\/option><option value=\"1936\" >1936<\/option><option value=\"1935\" >1935<\/option><option value=\"1934\" >1934<\/option><option value=\"1933\" >1933<\/option><option value=\"1932\" >1932<\/option><option value=\"1931\" >1931<\/option><option value=\"1930\" >1930<\/option><option value=\"1929\" >1929<\/option><option value=\"1928\" >1928<\/option><option value=\"1927\" >1927<\/option><option value=\"1926\" >1926<\/option><option value=\"1925\" >1925<\/option><option value=\"1924\" >1924<\/option><option value=\"1923\" >1923<\/option><option value=\"1922\" >1922<\/option><option value=\"1921\" >1921<\/option><option value=\"1920\" >1920<\/option><\/select><\/div><\/div>\t\t<div id=\"wpforms-4958-field_4-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"4\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" 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value=\"wpforms-submit\">Submit<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/p>\n<div id=\"wpforms-4958\" class=\"wpforms-container wpforms-container-full\"> <\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; module_class=&#8221;slideshow-dramatic&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; background_image=&#8221;https:\/\/ericramoslaw.com\/wp-content\/uploads\/2017\/11\/section-background.jpg&#8221; custom_margin=&#8221;|||&#8221; custom_margin_tablet=&#8221;|||&#8221; custom_margin_phone=&#8221;-10px|||&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;60px|0px|60px|0px&#8221; custom_padding_tablet=&#8221;|||&#8221; custom_padding_phone=&#8221;20px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;0px|0px|0px|0px&#8221; custom_padding_tablet=&#8221;|||&#8221; custom_padding_phone=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;|||&#8221; inline_fonts=&#8221;Acme&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Pagos m\u00e9dicos<\/strong><\/p>\n<p>En una p\u00f3liza de seguro de autom\u00f3vil, este tipo de cobertura paga por las facturas m\u00e9dicas que su p\u00f3liza de seguro de salud no cubre. Por lo tanto, puede ayudar a cubrir la brecha cuando excede los l\u00edmites de su p\u00f3liza de salud, o puede pagar sus deducibles y copagos. Cubre a usted y a sus pasajeros. Tambi\u00e9n le cubre si resulta lesionado mientras anda en bicicleta o como peat\u00f3n.   <\/p>\n<p><strong>Protecci\u00f3n contra lesiones personales (PIP)<\/strong><\/p>\n<p>Este tipo de cobertura tambi\u00e9n contribuir\u00e1 a pagar las facturas m\u00e9dicas, pero va mucho m\u00e1s all\u00e1. El seguro PIP tambi\u00e9n cubre sus salarios perdidos despu\u00e9s de un accidente, as\u00ed como otros costos no m\u00e9dicos.  <\/p>\n<p><strong>Sin seguro\/Con seguro insuficiente<\/strong><\/p>\n<p>Esta es la cobertura que le ayuda cuando tiene un accidente con un conductor sin seguro, o con un conductor cuyos l\u00edmites de p\u00f3liza normales no cubren todos sus da\u00f1os.<\/p>\n<p><strong>Remolque y asistencia en carretera<\/strong><\/p>\n<p>Este es autoexplicativo. Le cubre ya sea que necesite un remolque debido a un accidente, o cuando pase sobre un clavo y tenga que reemplazar un neum\u00e1tico.  <\/p>\n<p><strong>Reembolso de alquiler<\/strong><\/p>\n<p>Paga por cualquier autom\u00f3vil de alquiler que utilice mientras espera que su autom\u00f3vil sea reparado o reemplazado. <\/p>\n<p><strong>Requisitos m\u00ednimos de seguro de autom\u00f3vil en Texas<\/strong><\/p>\n<p>La \u00fanica cobertura que la ley de Texas requiere que tenga es la cobertura de responsabilidad civil, hasta los siguientes l\u00edmites:<\/p>\n<ul>\n<li>$30,000 por persona.<\/li>\n<li>$60,000 por accidente.<\/li>\n<li>$25,000 por da\u00f1os a la propiedad.<\/li>\n<\/ul>\n<p>La cobertura \u201cpor persona\u201d cubre lesiones a otra persona. La cobertura de \u201caccidente\u201d es el m\u00e1ximo que la p\u00f3liza pagar\u00e1 si resultan heridas m\u00faltiples personas. Los $25,000 son para da\u00f1os a la propiedad, es decir, el autom\u00f3vil de la otra persona.   <\/p>\n<p>No est\u00e1 estrictamente obligado a asegurarse contra su propia p\u00e9rdida, al menos, no con el fin de cumplir con la ley de Texas. La mayor\u00eda de las personas tienen seguro de colisi\u00f3n e integral de todos modos, ya que la mayor\u00eda de las personas arriendan o financian sus veh\u00edculos. Las compa\u00f1\u00edas financieras suelen exigir este nivel de seguro mientras usted realiza los pagos. Tiene la libertad de eliminarlo despu\u00e9s de que sea propietario de su autom\u00f3vil en su totalidad, pero es posible que no desee hacerlo, ya que podr\u00eda significar que no tiene forma de reemplazar su autom\u00f3vil en caso de que usted sea el responsable de un accidente.   <\/p>\n<p><strong>C\u00f3mo funcionan los l\u00edmites de las p\u00f3lizas de seguro de autom\u00f3vil<\/strong><\/p>\n<p>Los l\u00edmites le indican la cantidad m\u00e1xima que una compa\u00f1\u00eda de seguros pagar\u00e1 en ciertas instancias. Por ejemplo, si el costo de reemplazar su autom\u00f3vil es de $30,000, entonces la compa\u00f1\u00eda del otro conductor solo ser\u00eda responsable de pagarle $25,000 de esa cantidad. Los otros $5,000 tendr\u00edan que provenir de alg\u00fan otro lugar, o tendr\u00eda que obtener un autom\u00f3vil que valga un poco menos.   <\/p>\n<p>Lo mismo es cierto independientemente de los da\u00f1os. Si el autom\u00f3vil tiene un valor de $96,000, la p\u00f3liza de responsabilidad civil seguir\u00e1 pagando \u00fanicamente $25,000. Es posible que en ese momento usted deba presentar una reclamaci\u00f3n contra su propia p\u00f3liza de conductor no asegurado\/con seguro insuficiente, en cuyo caso su compa\u00f1\u00eda de seguros pagar\u00e1 la diferencia de $5,000.  <\/p>\n<p>Una demanda judicial no obligar\u00e1 a la compa\u00f1\u00eda de seguros a realizar pagos que excedan los l\u00edmites de la p\u00f3liza. <\/p>\n<p><strong>Protecci\u00f3n financiera personal<\/strong><\/p>\n<p>La decisi\u00f3n m\u00e1s inteligente que puede tomar es obtener las ocho formas de cobertura de seguro, especialmente los pagos m\u00e9dicos, la protecci\u00f3n contra lesiones personales (PIP) y la cobertura de conductor no asegurado\/con seguro insuficiente. Con estos tipos de p\u00f3lizas en vigor, deber\u00eda tener suficiente cobertura para hacer frente a sus p\u00e9rdidas econ\u00f3micas, independientemente del tipo de cobertura que tuviera el otro conductor en el momento del accidente. <\/p>\n<p>Esto podr\u00eda aumentar ligeramente sus pagos, pero podr\u00eda valer la pena si usted es quien termina chocando por detr\u00e1s a alguien. <\/p>\n<p><strong>\u00bfQu\u00e9 sucede si el otro conductor no tiene seguro?<\/strong><\/p>\n<p>Si el otro conductor no tiene seguro, es probable que no tenga el dinero para pagar sus p\u00e9rdidas. Si tiene seguro pero no es suficiente para cubrir sus p\u00e9rdidas, \u00bfqu\u00e9 hace usted? Lo primero que debe hacer es revisar su propia p\u00f3liza. Si tiene cobertura de conductor no asegurado (lo cual recomendamos encarecidamente), es posible que cubra la diferencia.   <\/p>\n<p>Otra opci\u00f3n es demandar directamente al otro conductor. Antes de hacerlo, usted y su abogado deber\u00edan investigar los activos del otro conductor. Solo querr\u00e1 pasar por el tiempo y el gasto de iniciar este tipo de demanda si cree que tiene posibilidades de recuperar los da\u00f1os. Algunos conductores simplemente no tienen activos, lo que significa que no recuperar\u00e1 ni siquiera una parte de ese dinero.   <\/p>\n<p>La otra opci\u00f3n es preguntar a su abogado si es posible que la compa\u00f1\u00eda de seguros pague de una cobertura diferente, como la p\u00f3liza de pagos m\u00e9dicos o de protecci\u00f3n contra lesiones personales (PIP) del otro conductor. Mucho puede depender de c\u00f3mo se redact\u00f3 la p\u00f3liza del conductor, pero no es imposible obtener dinero de esta manera. <\/p>\n<p>Finalmente, podr\u00eda optar por pagar la diferencia, reconociendo que la compa\u00f1\u00eda de seguros solo es responsable de pagar por la cobertura que usted adquiri\u00f3.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(0,0,0,0.4)&#8221; background_image=&#8221;http:\/\/ericramoslaw.com\/wp-content\/uploads\/2017\/11\/personal-injury-contact-form-e1510103234936.jpg&#8221; background_blend=&#8221;overlay&#8221; custom_padding=&#8221;65px||65px|&#8221; custom_padding_tablet=&#8221;40px||40px|&#8221; custom_padding_phone=&#8221;25px||25px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; module_class=&#8221;contact_row et_pb_row_fullwidth&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;94%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;94%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;30px|15px|20px|15px&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px|10px|20px|10px&#8221; make_fullwidth=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;40px|||&#8221; custom_padding_tablet=&#8221;5px|||&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;GET THE REPRESENTATION&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|on||on|&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;|||&#8221; custom_padding_tablet=&#8221;5px||40px|&#8221; custom_padding_phone=&#8221;5px||25px|&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; text_font_size_tablet=&#8221;40px&#8221; text_font_size_phone=&#8221;30px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;] OBTENGA LA REPRESENTACI\u00d3N QUE NECESITA HOY [\/et_pb_text][et_pb_divider color=&#8221;#e09900&#8243; divider_weight=&#8221;3&#8243; _builder_version=&#8221;4.16&#8243; max_width=&#8221;85%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; height=&#8221;3px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text admin_label=&#8221;Fill out the form&#8221; _builder_version=&#8221;4.16&#8243; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.5em&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;85%&#8221; max_width_tablet=&#8221;85%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Complete el formulario para comenzar hoy mismo con su evaluaci\u00f3n gratuita de su reclamaci\u00f3n por accidente automovil\u00edstico.<span style=\"font-size: 18px;\"><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_contact_form captcha=&#8221;off&#8221; use_redirect=&#8221;on&#8221; redirect_url=&#8221;https:\/\/ericramoslaw.com\/es\/gracias\/&#8221; success_message=&#8221;Gracias por su mensaje. 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Depende. Uno de los factores determinantes son los l\u00edmites de la p\u00f3liza en el seguro de autom\u00f3vil del conductor responsable. Est\u00e1n obligados a pagar solo hasta el l\u00edmite, incluso si sus gastos [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":1368,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"L\u00edmites de Seguro de Autom\u00f3vil en Texas - Eric Ramos Law, PLLC","_seopress_titles_desc":"Entienda los l\u00edmites del seguro de autom\u00f3vil en Texas y por qu\u00e9 la cobertura m\u00ednima suele ser insuficiente. Prot\u00e9jase con UM\/UIM. 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