{"id":17403,"date":"2020-05-06T19:09:29","date_gmt":"2020-05-07T02:09:29","guid":{"rendered":"https:\/\/plg-pllc.com\/?post_type=glossary&#038;p=17403"},"modified":"2025-02-14T14:14:46","modified_gmt":"2025-02-14T22:14:46","slug":"automobile-liability-insurance","status":"publish","type":"page","link":"https:\/\/plg-pllc.com\/es\/faqs\/what-is-automobilie-liability-insurance\/","title":{"rendered":"Seguro de responsabilidad civil para autom\u00f3viles"},"content":{"rendered":"<p class=\"p2\"><span class=\"s1\">Washington es un estado de culpabilidad, lo que significa que un conductor que causa un accidente es responsable de pagar todos los da\u00f1os o lesiones ocasionados. Para garantizar que los conductores tengan dinero para pagar estos da\u00f1os, todos los conductores en Washington deben tener <a href=\"https:\/\/dol.wa.gov\/driver-licenses-and-permits\/mandatory-insurance\">Seguro de responsabilidad civil de autom\u00f3viles<\/a>Es muy probable que si un conductor no cuenta con este seguro, no tenga fondos para pagar estos costos.\u00a0<\/span><\/p>\n<h2 class=\"p3\"><span class=\"s1\">\u00bfCu\u00e1les son los niveles m\u00ednimos de seguro de responsabilidad civil de autom\u00f3viles en Washington?<\/span><\/h2>\n<p class=\"p4\"><span class=\"s1\">En Washington, hay que cumplir con un m\u00ednimo determinado para cumplir con la ley. Si no tienes cobertura que alcance al menos ese m\u00ednimo, las autoridades podr\u00edan multarte.\u00a0<\/span><\/p>\n<p class=\"p4\"><span class=\"s1\">Los niveles m\u00ednimos de cobertura en Washington incluyen:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li5\"><span class=\"s1\"><b>Lesi\u00f3n corporal:<\/b> $25.000 por persona y $50.000 por accidente<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\"><b>Da\u00f1os a la propiedad:<\/b> $10.000 por accidente<\/span><\/li>\n<\/ul>\n<p class=\"p4\"><span class=\"s1\">La limitaci\u00f3n por lesiones corporales se detendr\u00e1 en $50,000, incluso cuando haya m\u00e1s de dos personas involucradas.\u00a0<\/span><\/p>\n<p class=\"p4\"><span class=\"s1\">Las facturas m\u00e9dicas pueden acumularse muy r\u00e1pidamente despu\u00e9s de una <a href=\"https:\/\/plg-pllc.com\/glossary\/car-accidents\/\">accidente<\/a>Y una vez que se agote ese dinero, a\u00fan tendr\u00e1 derecho a presentar una reclamaci\u00f3n legal contra el conductor. Es posible que no pueda pagar sus p\u00e9rdidas. Esa es una de las razones por las que muchas personas optan por contratar un seguro con l\u00edmites de p\u00f3liza mucho m\u00e1s altos.<\/span><\/p>\n<p class=\"p2\"><span class=\"s1\">Tenga en cuenta que esta cobertura no se aplica a sus propias lesiones. Si desea ese tipo de seguro, probablemente necesitar\u00e1 obtener una p\u00f3liza adicional de su compa\u00f1\u00eda de seguros, como una que cubra los gastos m\u00e9dicos o los da\u00f1os a la propiedad.\u00a0<\/span><\/p>\n<h2 class=\"p3\"><span class=\"s1\">\u00bfQu\u00e9 cubre el seguro de responsabilidad civil de autom\u00f3vil?<\/span><\/h2>\n<p class=\"p4\"><span class=\"s1\">Tradicionalmente, la cobertura de seguro para accidentes automovil\u00edsticos puede incluir casi cualquier tipo de p\u00e9rdida que pueda ocurrir despu\u00e9s de un accidente. Los da\u00f1os materiales y las lesiones f\u00edsicas son el principal objetivo, pero tambi\u00e9n puede cubrir cosas como:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li5\"><span class=\"s1\">Dolor y sufrimiento<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">Angustia mental<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">Facturas de hospital<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">Salarios perdidos<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">P\u00e9rdida de capacidad de ingresos en el futuro<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">P\u00e9rdida del disfrute de la vida<\/span><\/li>\n<li class=\"li5\"><span class=\"s1\">P\u00e9rdida de compa\u00f1\u00eda<\/span><\/li>\n<\/ul>\n<p class=\"p5\"><span class=\"s1\">Despu\u00e9s de una <a href=\"https:\/\/plg-pllc.com\/glossary\/car-accidents\/\">accidente de coche<\/a>El seguro de responsabilidad civil para autom\u00f3viles cubre casi cualquier p\u00e9rdida que pueda reclamar. Existen algunas exclusiones en las p\u00f3lizas individuales, pero son poco frecuentes.<\/span><\/p>\n<p class=\"p4\"><span class=\"s1\">La cobertura de responsabilidad civil debe aplicarse incluso cuando el propietario del veh\u00edculo no lo conduzca. En t\u00e9rminos generales, esto es as\u00ed siempre que la persona que conduce tenga el consentimiento del propietario para conducir su veh\u00edculo o viva en el hogar del propietario del veh\u00edculo.<\/span><\/p>\n<p class=\"p6\"><span class=\"s1\">Las compa\u00f1\u00edas de seguros intentar\u00e1n pagar lo menos posible cuando alguien presente una reclamaci\u00f3n de seguro de responsabilidad civil de autom\u00f3vil. Incluso pueden rechazar su reclamaci\u00f3n por completo o solo ofrecerle una fracci\u00f3n de lo que realmente vale su caso. <a href=\"https:\/\/plg-pllc.com\/\">Grupo de abogados Premier<\/a>, tenemos <a href=\"https:\/\/plg-pllc.com\/seattle\/personal-injury-lawyer\/\">D\u00e9cadas de experiencia<\/a> raci\u00f3n <a href=\"https:\/\/plg-pllc.com\/glossary\/car-accidents\/\">accidente de coche<\/a> Las v\u00edctimas obtienen el dinero que merecen para que puedan concentrarse en mejorar, y nosotros podemos ayudarle a usted tambi\u00e9n.\u00a0 <b>Rellena el formulario que se encuentra a tu derecha o ll\u00e1manos al <\/b><\/span><span class=\"s3\"><b>206-285-1743<\/b><\/span><span class=\"s1\"><b> para obtener su consulta GRATIS hoy.<\/b><\/span><\/p>\n\n        <div class=\"rs-content-cta\">\n            <p>Llamar o enviar mensaje de texto <a href=\"tel:+12062851743\">(206) 285-1743<\/a> o complete un formulario de evaluaci\u00f3n de caso gratuito<\/p>\n            <a href=\"https:\/\/plg-pllc.com\/es\/contact-us\/\" title=\"OBTENGA UNA EVALUACI\u00d3N DE CASO GRATUITA\" class=\"btn-global\">OBTENGA UNA EVALUACI\u00d3N DE CASO GRATUITA<\/a>\n                    <picture>\n                            <source srcset=\"https:\/\/plg-pllc.com\/wp-content\/themes\/plg-pllc-redesign\/assets\/app\/img\/cta-thumb.webp\" type=\"image\/webp\"\/>\n                            <img src=\"https:\/\/plg-pllc.com\/wp-content\/themes\/plg-pllc-redesign\/assets\/app\/img\/cta-thumb.png\" alt=\"Grupo de abogados Premier\" title=\"Grupo de abogados Premier\" width=\"245\" height=\"220\" loading=\"auto\" fetchpriority=\"auto\" decoding=\"async\"\/>\n        <\/picture>\n        \n        <\/div>","protected":false},"excerpt":{"rendered":"<p>Washington es un estado de culpabilidad, lo que significa que un conductor que causa un accidente es responsable de pagar todos los da\u00f1os o lesiones ocasionados. Para garantizar que los conductores tengan dinero para pagar estos da\u00f1os, todos los conductores en Washington deben tener un seguro de responsabilidad civil para autom\u00f3viles. Es muy probable que si un conductor \u2026<\/p>","protected":false},"author":1,"featured_media":0,"parent":20714,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[10344],"class_list":{"0":"post-17403","1":"page","2":"type-page","3":"status-publish","5":"hc_faqs-car-accident","6":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Automobile Liability Insurance<\/title>\n<meta name=\"description\" content=\"Automobile Liability Insurance: Premier Law Group helps you unlock the full compensation you deserve. 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