{"id":277,"date":"2014-08-18T13:16:42","date_gmt":"2014-08-18T17:16:42","guid":{"rendered":"http:\/\/accidentvalues.com\/?page_id=277"},"modified":"2019-11-25T16:20:11","modified_gmt":"2019-11-25T21:20:11","slug":"uninsured-motorist-coverage","status":"publish","type":"page","link":"https:\/\/accidentvalues.com\/es\/info\/insurance\/uninsured-motorist-coverage\/","title":{"rendered":"Cubierta de Automovilista Sin Seguro &#038; Sub Asegurado"},"content":{"rendered":"<p>La cubierta automovilista sin seguro y sub asegurada son esencialmente para protegerlo contra la carga financiera de un accidente de auto. Ambos tipos de cubiertas le protegen contra un conductor que no tiene suficiente cubierta de seguro para pagar por las lesiones y da\u00f1o en propiedad que el\/ella ha causado. Cundo usted tiene una cubierta sin seguro o sub asegurado, su compa\u00f1\u00eda de seguro esencialmente \u201cse pone en los zapatos\u201d del otro conductor y paga los danos el\/ella le debe.<\/p>\n<h2>Sin Seguro (UM)<\/h2>\n<p>El seguro de consejo de investigaci\u00f3n (IRC) estima que \u00a0<a href=\"http:\/\/www.insurance-research.org\/sites\/default\/files\/downloads\/IRCUM2011_042111.pdf\">1 driver out of every 7 drivers<\/a> en los estados unidos est\u00e1 actualmente sin seguro. De los <a href=\"http:\/\/www.insurance-research.org\/sites\/default\/files\/downloads\/IRC%20UM_NewsRelease.pdf\">29.7 million<\/a> millones de los conductores sin seguro en el 2012, California tiene 4.1 millones, Florida tiene 3.2 millones y Texas tiene 1.6 millones. La cubierta de automovilistas sin seguro est\u00e1 hecha para cubrir situaciones por las cueles el due\u00f1o de la p\u00f3liza tuene colisi\u00f3n con un conductor que no tiene ning\u00fan tipo de seguro de auto. Aunque la colisi\u00f3n sea completamente o parcialmente culpa del conductor sin seguro, el due\u00f1o de la p\u00f3liza ser\u00e1 compensado por la compa\u00f1\u00eda de seguro por gastos m\u00e9dicos, perdida en salario, y dolor y sufrimiento. Esto provee apoyo al due\u00f1o de la p\u00f3liza cuando el conductor de la p\u00f3liza no pueda pagar la cantidad de los danos de su propio bolsillo. D\u00e1ndole la magnitud de gastos de veh\u00edculo y salud, muchos estados sin seguro requieren cubierta para automovilistas como parte del seguro de auto premium.<\/p>\n<p>Nota: La cubierta sin seguro es tambi\u00e9n diferente que el seguro de protecci\u00f3n de lesi\u00f3n personal (PIP) que paga sus gastos m\u00e9dicos y su p\u00e9rdida de salario sin importar qui\u00e9n sea el culpable del accidente. PIP tiene dos caracter\u00edsticas importantes. La primera, usted somete sus cuentas, usted no le tiene que rembolsar al portador de PIP por la cantidad que ellos han pagado cuando usted reciba el veredicto o acuerdo que incluye esas cuentas. Segundo, usted puede someter sus cuentas a su portador de PIP aun que las cuentas est\u00e9n pagas por su seguro m\u00e9dico.<\/p>\n<h2>\nSub Asegurado (UIM)<\/h2>\n<p>La cubierta de automovilistas sub asegurados ayuda al costo de los due\u00f1os de la p\u00f3liza cuando el seguro del conductor culpable no es suficiente, siempre y cuando el l\u00edmite de la p\u00f3liza de seguro del due\u00f1o sea m\u00e1s alto que el l\u00edmite de la responsabilidad del conductor culpable. El due\u00f1o de la p\u00f3liza tiene que tener un l\u00edmite de cubierta de automovilista sin seguro m\u00e1s alto que los l\u00edmites de cubierta para el conductor culpable.<\/p>\n<h2>2 Tipos<\/h2>\n<h3>\nCubierta de seguro para Automovilistas lesionados f\u00edsicamente Sub Asegurados\/ Sin seguro (UMBI)<\/h3>\n<p>UMBI cubre los gastos m\u00e9dicos, perdida en salario, gastos relacionados a la lesi\u00f3n de usted, cualquier conductor permitido, y sus pasajeros. Tambi\u00e9n provee cubierta por las lesiones sostenidas en accidentes de pegar y huida.<\/p>\n<h3>Automovilistas con cubierta para danos en propiedad sub asegurados\/ sin seguro (UMPD)<\/h3>\n<p>Si su autom\u00f3vil sufre danos en un accidente por parte de un conductor sub asegurado o sin seguro, estos pasos de cubierta van a ayudar. A diferencia UMBI, est\u00e1 cubierta no te protege en contra da\u00f1os causados por una colisi\u00f3n de pegar y huida.<\/p>\n<h2>Estados que Requieren Cubierta\u00a0 No asegurada<\/h2>\n<p>Los 50 estados tienen sus propias reglas y requisitos para ofrecerle y vender el seguro del automovilista. Estas reglas pueden ser complicadas y dif\u00edciles de interpretar. Los siguientes estados requieren cubierta no asegurada.<\/p>\n<p><a href=\"http:\/\/accidentvalues.com\/wp-content\/uploads\/2014\/08\/Screen-Shot-2014-08-20-at-9.06.45-AM.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-288\" src=\"http:\/\/accidentvalues.com\/wp-content\/uploads\/2014\/08\/Screen-Shot-2014-08-20-at-9.06.45-AM.png\" alt=\"Screen Shot 2014-08-20 at 9.06.45 AM\" width=\"429\" height=\"216\" \/><\/a><\/p>\n<div id=\"attachment_278\" style=\"width: 564px\" class=\"wp-caption alignnone\"><a href=\"http:\/\/accidentvalues.com\/wp-content\/uploads\/2014\/08\/Screen-Shot-2014-08-18-at-12.54.40-PM.png\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-278\" class=\"size-full wp-image-278\" src=\"http:\/\/accidentvalues.com\/wp-content\/uploads\/2014\/08\/Screen-Shot-2014-08-18-at-12.54.40-PM.png\" alt=\"Uninsured Estimates of Motorists by State, 2012\" width=\"554\" height=\"378\" \/><\/a><p id=\"caption-attachment-278\" class=\"wp-caption-text\">The Insurance Research Council&#8217;s Uninsured Motorists Estimates by State, 2012<\/p><\/div>\n<p>Source:\u00a0http:\/\/www.insurance-research.org\/sites\/default\/files\/downloads\/IRC%20UM_NewsRelease.pdf<\/p>\n<p>Si usted se ha lesionado en un accidente de auto, estime el valor de su caso son la \u00a0<a href=\"http:\/\/accidentvalues.com\/calculator\/\">Car Accident Calculator<\/a>.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La cubierta automovilista sin seguro y sub asegurada son esencialmente para protegerlo contra la carga financiera de un accidente de auto. Ambos tipos de cubiertas le protegen contra un conductor que no tiene suficiente cubierta de seguro para pagar por las lesiones y da\u00f1o en propiedad que el\/ella ha causado. Cundo usted tiene una cubierta [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":57,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-277","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Uninsured &amp; Underinsured Motorist Coverage<\/title>\n<meta name=\"description\" content=\"Learn how uninsured motorist coverage will protect you if you are hit by a driver that cannot cover the cost of your medical bills and property damage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/accidentvalues.com\/es\/info\/insurance\/uninsured-motorist-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Uninsured &amp; 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