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Saltar al contenido
 ACADEMIA FELICIDAD

Descubre lo que no cubre tu seguro: Todo lo que necesitas saber

Índice

Qué cosas no cubre el seguro

El seguro es una forma de protegerse contra diversas eventualidades en la vida. Sin embargo, no todo está cubierto por los seguros. En este artículo, te explicamos qué cosas no cubre el seguro, para que puedas estar prevenido y tomar las medidas adecuadas en caso de necesitarlo.

1. Pérdida de valor

Los seguros no cubren la pérdida de valor de un bien. Por ejemplo, si tienes un coche nuevo y sufres un accidente que lo daña, aunque la reparación quede perfecta, el valor de reventa de tu vehículo habrá disminuido debido al accidente. Esto no estará cubierto por tu seguro.

2. Desgaste natural

Los seguros no cubren el desgaste natural de las cosas. Si tus electrodomésticos se estropean por el uso diario, deberás repararlos tú mismo si no tienes garantías adicionales.

3. Daños intencionales

El seguro no cubrirá daños que hayan sido causados intencionalmente por ti o por terceros. Si tu vecino te rompe un cristal de tu vivienda a propósito, tendrás que denunciarlo y reclamar los daños y perjuicios directamente a él.

4. Catástrofes naturales

En algunos seguros, las catástrofes naturales no están cubiertas. En esos casos, deberás contratar adicionales para que te cubran en situaciones como terremotos, inundaciones, tornados, etc.

5. Negligencia

Los seguros no están diseñados para cubrir situaciones en las que haya habido negligencia por parte del asegurado. Si por ejemplo, dejas una vela encendida en tu casa y se produce un incendio, el seguro no cubrirá los daños.

6. Actos de terrorismo

Algunos seguros no cubren los daños ocasionados por actos de terrorismo o vandalismo. En esos casos, deberás buscar una poliza que incluya estas garantías o contratar un seguro específico para terrorismo.

7. Multas y sanciones

Un seguro no te protege contra las multas y sancias derivados de tus acciones. Si cometes una falta de tráfico o estacionas en un lugar prohibido, no estarás cubierto.

8. Guerra y conflictos armados

Los conflictos armados y la guerra están excluidos en muchos seguros. En esos casos, deberás contratar seguros específicos para situaciones de este tipo.

Conclusiones finales

En resumen, es importante conocer qué cosas no cubre el seguro para poder tomar medidas preventivas y asegurarnos de que estamos cubiertos ante las eventualidades que pueden ocurrir en nuestra vida. Esperamos que este artículo te haya sido útil.

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