{"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=\u00bb1&#8243; fullwidth=\u00bbon\u00bb disabled_on=\u00bbon|off|off\u00bb _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_fullwidth_header title=\u00bbSeguro de autom\u00f3vil\u00bb text_orientation=\u00bbcenter\u00bb button_one_url=\u00bbhttps:\/\/ericramoslaw.com\/es\/contacto\/\u00bb button_two_url=\u00bb#info-anchor\u00bb _builder_version=\u00bb4.16&#8243; title_level=\u00bbh2&#8243; title_font=\u00bb||||||||\u00bb title_text_align=\u00bbcenter\u00bb title_text_color=\u00bb#ffffff\u00bb title_font_size=\u00bb60px\u00bb background_color=\u00bbrgba(0,0,0,0.6)\u00bb background_image=\u00bbhttp:\/\/ericramoslaw.com\/wp-content\/uploads\/2019\/11\/San-Antonio-Car-Accident-Lawyer-Header.jpg\u00bb background_blend=\u00bboverlay\u00bb custom_button_one=\u00bbon\u00bb button_one_text_color=\u00bb#ffffff\u00bb button_one_bg_color=\u00bb#d34c41&#8243; button_one_border_color=\u00bb#d34c41&#8243; button_one_font=\u00bb|700|||||||\u00bb button_one_use_icon=\u00bboff\u00bb custom_button_two=\u00bbon\u00bb button_two_text_color=\u00bb#ffffff\u00bb button_two_font=\u00bb|700|||||||\u00bb button_two_use_icon=\u00bboff\u00bb background_layout=\u00bblight\u00bb custom_margin=\u00bb|||\u00bb custom_margin_tablet=\u00bb\u00bb custom_margin_phone=\u00bb\u00bb custom_margin_last_edited=\u00bbon|tablet\u00bb custom_padding=\u00bb||93px|||\u00bb custom_padding_tablet=\u00bb||100px|\u00bb custom_padding_phone=\u00bb||100px|\u00bb custom_padding_last_edited=\u00bbon|desktop\u00bb title_font_size_tablet=\u00bb62px\u00bb title_font_size_phone=\u00bb48px\u00bb title_font_size_last_edited=\u00bbon|phone\u00bb title_line_height_tablet=\u00bb\u00bb title_line_height_phone=\u00bb1em\u00bb title_line_height_last_edited=\u00bbon|desktop\u00bb button_two_text_color_hover=\u00bb#d34c41&#8243; button_one_border_color_hover=\u00bb#c13613&#8243; button_one_bg_color_hover=\u00bb#c13613&#8243; button_two_bg_color_hover=\u00bb#ffffff\u00bb global_colors_info=\u00bb{}\u00bb button_one_text_size__hover_enabled=\u00bboff\u00bb button_two_text_size__hover_enabled=\u00bboff\u00bb button_one_text_color__hover_enabled=\u00bboff\u00bb button_two_text_color__hover_enabled=\u00bbon\u00bb button_two_text_color__hover=\u00bb#d34c41&#8243; button_one_border_width__hover_enabled=\u00bboff\u00bb button_two_border_width__hover_enabled=\u00bboff\u00bb button_one_border_color__hover_enabled=\u00bbon\u00bb button_one_border_color__hover=\u00bb#c13613&#8243; button_two_border_color__hover_enabled=\u00bboff\u00bb button_one_border_radius__hover_enabled=\u00bboff\u00bb button_two_border_radius__hover_enabled=\u00bboff\u00bb button_one_letter_spacing__hover_enabled=\u00bboff\u00bb button_two_letter_spacing__hover_enabled=\u00bboff\u00bb button_one_bg_color__hover_enabled=\u00bbon\u00bb button_one_bg_color__hover=\u00bb#c13613&#8243; button_two_bg_color__hover_enabled=\u00bbon\u00bb button_two_bg_color__hover=\u00bb#ffffff\u00bb][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; module_id=\u00bbinfo-anchor\u00bb _builder_version=\u00bb4.16&#8243; background_color=\u00bb##f4f4f4&#8243; custom_padding=\u00bb0px|0px|0px|0px\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb1&#8243; admin_label=\u00bbT\u00edtulo H1&#8243; module_class=\u00bb et_pb_row_fullwidth\u00bb _builder_version=\u00bb4.16&#8243; background_color=\u00bb#9d8e83&#8243; width=\u00bb100%\u00bb width_tablet=\u00bb100%\u00bb width_phone=\u00bb\u00bb width_last_edited=\u00bbon|desktop\u00bb max_width=\u00bb100%\u00bb max_width_tablet=\u00bb100%\u00bb max_width_phone=\u00bb\u00bb max_width_last_edited=\u00bbon|desktop\u00bb module_alignment=\u00bbcenter\u00bb custom_margin=\u00bb|||\u00bb custom_padding=\u00bb25.5938px|0px|14px|0px\u00bb box_shadow_style=\u00bbpreset2&#8243; make_fullwidth=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; text_font=\u00bb||||||||\u00bb text_text_color=\u00bb#ffffff\u00bb ul_font=\u00bb||||||||\u00bb header_font=\u00bb||||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#ffffff\u00bb header_font_size=\u00bb36px\u00bb header_line_height=\u00bb0.5em\u00bb header_2_font=\u00bb||||||||\u00bb header_3_font=\u00bb||||||||\u00bb header_5_font=\u00bb||||||||\u00bb text_orientation=\u00bbcenter\u00bb module_alignment=\u00bbcenter\u00bb custom_margin=\u00bb|||\u00bb custom_padding=\u00bb|||\u00bb header_font_size_tablet=\u00bb28px\u00bb header_font_size_phone=\u00bb29px\u00bb header_font_size_last_edited=\u00bbon|phone\u00bb header_line_height_tablet=\u00bb1.1em\u00bb header_line_height_phone=\u00bb1.1em\u00bb header_line_height_last_edited=\u00bbon|tablet\u00bb global_colors_info=\u00bb{}\u00bb]<\/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=\u00bb2_3,1_3&#8243; custom_padding_last_edited=\u00bbon|phone\u00bb _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb50px||60px|\u00bb custom_padding_tablet=\u00bb20px||30px|\u00bb custom_padding_phone=\u00bb20px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb2_3&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb]<\/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=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text module_id=\u00bbonlinecontact\u00bb _builder_version=\u00bb4.27.4&#8243; text_font=\u00bb||||||||\u00bb background_color=\u00bb#ffffff\u00bb custom_margin=\u00bb0px|||||\u00bb custom_padding=\u00bb50px|15px|15px|15px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; box_shadow_color=\u00bb#969696&#8243; global_module=\u00bb5355&#8243; global_colors_info=\u00bb{}\u00bb]<\/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=\"fc425cd1e163eca8d4a54b89943a62a7\" data-token-time=\"1785233009\"><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-type=\"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>\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\" for=\"wpforms-4958-field_4\" >of Injury text<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-4958-field_4\" class=\"wpforms-field-medium\" name=\"wpforms[fields][4]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-4958-field_3-container\" class=\"wpforms-field wpforms-field-phone\" data-field-type=\"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-type=\"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\" 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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><div id=\"wpforms-4958-field_2-container\" class=\"wpforms-field wpforms-field-textarea\" data-field-type=\"textarea\" data-field-id=\"2\"><label class=\"wpforms-field-label\" for=\"wpforms-4958-field_2\">Brief Description of Your Case<\/label><textarea id=\"wpforms-4958-field_2\" class=\"wpforms-field-medium\" name=\"wpforms[fields][2]\" ><\/textarea><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-4958-field_4-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-4958-field_4-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-4958-field_4-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-field wpforms-field-hp\"><label for=\"wpforms-4958-field-hp\" class=\"wpforms-field-label\">Message<\/label><input type=\"text\" name=\"wpforms[hp]\" id=\"wpforms-4958-field-hp\" class=\"wpforms-field-medium\"><\/div><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"4958\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/ericramoslaw.com\/es\/wp-json\/wp\/v2\/pages\/28146\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-4958\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" 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=\u00bb1&#8243; custom_padding_last_edited=\u00bbon|tablet\u00bb module_class=\u00bbslideshow-dramatic\u00bb _builder_version=\u00bb4.16&#8243; background_color=\u00bb#ffffff\u00bb background_image=\u00bbhttps:\/\/ericramoslaw.com\/wp-content\/uploads\/2017\/11\/section-background.jpg\u00bb custom_margin=\u00bb|||\u00bb custom_margin_tablet=\u00bb|||\u00bb custom_margin_phone=\u00bb-10px|||\u00bb custom_margin_last_edited=\u00bbon|phone\u00bb custom_padding=\u00bb60px|0px|60px|0px\u00bb custom_padding_tablet=\u00bb|||\u00bb custom_padding_phone=\u00bb20px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row custom_padding_last_edited=\u00bbon|tablet\u00bb _builder_version=\u00bb4.16&#8243; custom_margin=\u00bb|||\u00bb custom_padding=\u00bb0px|0px|0px|0px\u00bb custom_padding_tablet=\u00bb|||\u00bb custom_padding_phone=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; text_font=\u00bb||||||||\u00bb custom_margin=\u00bb|||\u00bb custom_padding=\u00bb|||\u00bb inline_fonts=\u00bbAcme\u00bb global_colors_info=\u00bb{}\u00bb]<\/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=\u00bb1&#8243; custom_padding_last_edited=\u00bbon|desktop\u00bb _builder_version=\u00bb4.16&#8243; background_color=\u00bbrgba(0,0,0,0.4)\u00bb background_image=\u00bbhttp:\/\/ericramoslaw.com\/wp-content\/uploads\/2017\/11\/personal-injury-contact-form-e1510103234936.jpg\u00bb background_blend=\u00bboverlay\u00bb custom_padding=\u00bb65px||65px|\u00bb custom_padding_tablet=\u00bb40px||40px|\u00bb custom_padding_phone=\u00bb25px||25px|\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_2,1_2&#8243; use_custom_gutter=\u00bbon\u00bb custom_padding_last_edited=\u00bbon|desktop\u00bb module_class=\u00bbcontact_row et_pb_row_fullwidth\u00bb _builder_version=\u00bb4.16&#8243; width=\u00bb94%\u00bb width_tablet=\u00bb80%\u00bb width_phone=\u00bb\u00bb width_last_edited=\u00bbon|desktop\u00bb max_width=\u00bb94%\u00bb max_width_tablet=\u00bb80%\u00bb max_width_phone=\u00bb\u00bb max_width_last_edited=\u00bbon|desktop\u00bb custom_padding=\u00bb30px|15px|20px|15px\u00bb custom_padding_tablet=\u00bb\u00bb custom_padding_phone=\u00bb20px|10px|20px|10px\u00bb make_fullwidth=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb40px|||\u00bb custom_padding_tablet=\u00bb5px|||\u00bb custom_padding_phone=\u00bb\u00bb custom_padding_last_edited=\u00bbon|desktop\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text admin_label=\u00bbGET THE REPRESENTATION\u00bb _builder_version=\u00bb4.16&#8243; text_font=\u00bb|on||on|\u00bb text_text_color=\u00bb#ffffff\u00bb text_font_size=\u00bb42px\u00bb text_line_height=\u00bb1.2em\u00bb text_orientation=\u00bbcenter\u00bb background_layout=\u00bbdark\u00bb module_alignment=\u00bbcenter\u00bb custom_padding=\u00bb|||\u00bb custom_padding_tablet=\u00bb5px||40px|\u00bb custom_padding_phone=\u00bb5px||25px|\u00bb custom_padding_last_edited=\u00bboff|desktop\u00bb text_font_size_tablet=\u00bb40px\u00bb text_font_size_phone=\u00bb30px\u00bb text_font_size_last_edited=\u00bbon|desktop\u00bb global_colors_info=\u00bb{}\u00bb] OBTENGA LA REPRESENTACI\u00d3N QUE NECESITA HOY [\/et_pb_text][et_pb_divider color=\u00bb#e09900&#8243; divider_weight=\u00bb3&#8243; _builder_version=\u00bb4.16&#8243; max_width=\u00bb85%\u00bb max_width_tablet=\u00bb\u00bb max_width_phone=\u00bb100%\u00bb max_width_last_edited=\u00bbon|desktop\u00bb module_alignment=\u00bbcenter\u00bb height=\u00bb3px\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_divider][et_pb_text admin_label=\u00bbFill out the form\u00bb _builder_version=\u00bb4.16&#8243; text_text_color=\u00bb#ffffff\u00bb text_line_height=\u00bb1.5em\u00bb background_layout=\u00bbdark\u00bb max_width=\u00bb85%\u00bb max_width_tablet=\u00bb85%\u00bb max_width_phone=\u00bb\u00bb max_width_last_edited=\u00bbon|desktop\u00bb module_alignment=\u00bbcenter\u00bb global_colors_info=\u00bb{}\u00bb]<\/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=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_contact_form captcha=\u00bboff\u00bb use_redirect=\u00bbon\u00bb redirect_url=\u00bbhttps:\/\/ericramoslaw.com\/es\/gracias\/\u00bb success_message=\u00bbGracias por su mensaje. Lo hemos recibido y nos pondremos en contacto con usted en breve.\u00bb submit_button_text=\u00bbCOMIENCE HOY MISMO\u00bb module_id=\u00bbet_pb_contact_form_0&#8243; _builder_version=\u00bb4.16&#8243; _unique_id=\u00bb124728c7-90f8-4a07-b66f-42448e2b9e0a\u00bb form_field_background_color=\u00bb#ffffff\u00bb form_field_text_color=\u00bb#000000&#8243; title_font=\u00bb||||||||\u00bb title_text_color=\u00bb#ffffff\u00bb form_field_font_size=\u00bb16px\u00bb custom_button=\u00bbon\u00bb button_text_color=\u00bb#ffffff\u00bb button_bg_color=\u00bb#e09900&#8243; button_border_width=\u00bb0px\u00bb button_border_radius=\u00bb0px\u00bb button_letter_spacing=\u00bb1px\u00bb button_font=\u00bb|700|||||||\u00bb button_use_icon=\u00bboff\u00bb custom_css_contact_button=\u00bbline-height: 2.2em !important;||padding-left: 30px !important;||padding-right: 30px !important;\u00bb title_text_shadow_style=\u00bbpreset2&#8243; button_text_shadow_style=\u00bbpreset1&#8243; box_shadow_style_button=\u00bbpreset4&#8243; 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