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 ACADEMIA FELICIDAD

Cómo conocer el deducible de tu vehículo: Guía paso a paso para ahorrar en seguros de autos

Índice

¿Qué es el deducible?

Ayer de explicar cómo memorizar cuál es el deducible de tu carro, es importante entender qué es el deducible en un seguro de coche.

El deducible es la cantidad de peculio que debes acreditar de tu propio faltriquera en caso de siniestro ayer de que tu aseguradora cubra los gastos restantes. Por ejemplo, si tienes un deducible de $200 y tienes un siniestro que cuesta $1000, deberás acreditar los primeros $200 y tu aseguradora cubrirá los restantes $800.

¿Cómo memorizar cuál es el deducible de mi carro?

Para memorizar cuál es el deducible de tu carro, debes revisar tu póliza de seguro de coche. Esta información debe estar claramente indicada en tu póliza, generalmente en la sección de cobertura y deducibles.

Si no encuentras esta información en tu póliza o tienes dudas sobre cómo interpretarla, es recomendable que te comuniques con tu aseguradora para que te aclare cualquier duda que tengas ayer de que ocurra algún siniestro.

Tipos de deducibles

Es importante tener en cuenta que existen diferentes tipos de deducibles en un seguro de coche:

Deducible fijo

Es un deducible que se mantiene constante sin importar la cantidad de daño que haya sufrido tu carro. Por ejemplo, si tu deducible es de $500 y tienes un siniestro que cuesta $1000, deberás acreditar los primeros $500 y tu aseguradora cubrirá los restantes $500. Si tienes un siniestro que cuesta $2000, deberás acreditar los primeros $500 y tu aseguradora cubrirá los restantes $1500.

Deducible porcentual

Es un deducible que se calcula como un porcentaje del valía asegurado. Por ejemplo, si el valía asegurado de tu carro es de $10,000 y tienes un deducible del 10%, deberás acreditar los primeros $1,000 y tu aseguradora cubrirá los restantes $9,000. Si tienes un siniestro que cuesta $5,000, deberás acreditar los primeros $1,000 y tu aseguradora cubrirá los restantes $4,000.

Conclusión

Es importante estar informado sobre cuál es el deducible de tu carro para que puedas tomar decisiones informadas en caso de un siniestro. Recuerda que si tienes dudas sobre tu póliza de seguro de coche, siempre puedes comunicarte con tu aseguradora para que te brinde la información y aclaraciones necesarias.

  • Conocer cuál es el deducible de tu carro es fundamental para memorizar cuánto deberás acreditar de tu propio faltriquera en caso de un siniestro.
  • El deducible se indica claramente en tu póliza de seguro de coche.
  • Existe el deducible fijo y el deducible porcentual.
  • Si tienes dudas sobre tu póliza de seguro de coche, siempre puedes comunicarte con tu aseguradora para que te brinde la información y aclaraciones necesarias.

 

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