Sobre tu seguro de auto

Summary

This video provides an informative guide to understanding car insurance coverage. It explains the three main types of insurance: comprehensive, limited, and liability, highlighting the differences and what each covers, such as damages, theft, medical expenses, legal assistance, and roadside support. The video also discusses important exclusions, like intentional damage and driving under the influence, and offers tips on maximizing your insurance benefits. Viewers will gain valuable insights into making informed decisions when purchasing car insurance, avoiding common pitfalls, and ensuring full coverage in various situations.

Takeaways

• 😀 Understand the three main types of auto insurance coverage: comprehensive, limited, and third-party liability.
• 😀 Comprehensive coverage provides the highest protection, including damages from natural disasters, collisions, and theft.
• 😀 Limited coverage does not cover damages from collisions or theft, focusing only on third-party liabilities.
• 😀 Third-party liability covers damages to others, such as injury or property damage, and can extend to trailers under certain conditions.
• 😀 Exclusions in auto insurance include damages from flooding, mechanical failures, and intentional acts of damage.
• 😀 Theft coverage compensates for the full value of the car, but does not cover individual parts or accessories unless they are stolen with the entire vehicle.
• 😀 Medical expenses from accidents are covered, including hospitalization, ambulance, and surgery, but not for passengers in the cargo area of a pickup truck.
• 😀 Legal assistance is available for cases involving negligence, property damage, or legal violations, excluding DUI-related incidents.
• 😀 Roadside assistance offers help for flat tires, empty fuel tanks, and mechanical issues, as well as towing and hotel expenses if the car is unusable.
• 😀 Special equipment like custom wheels or spoilers needs additional coverage under your policy.
• 😀 Always check for coverage for special cases, such as driving in the U.S. with your vehicle or adding modifications to your car.

Q & A

What are the three main types of auto insurance coverage discussed in the video?

The three main types of auto insurance coverage are Comprehensive (Amplia), Limited (Limitada), and Liability (Responsabilidad Civil - RC).

What does Comprehensive (Amplia) coverage protect against?

Comprehensive coverage provides the highest protection, covering damages from collisions, rollovers, glass breakage, fire, explosions, natural disasters like hurricanes or earthquakes, and damages during transport by tow truck.

What is excluded from Comprehensive (Amplia) coverage?

Exclusions in Comprehensive coverage include damage from tides or floods, wear and tear, mechanical breakdowns, overloading the vehicle, and intentional damage.

What does Limited (Limitada) coverage exclude?

Limited coverage excludes damage from collisions, rollovers, and damage to glass or other materials caused by impacts, focusing instead on liability.

What does Liability (Responsabilidad Civil - RC) coverage include?

Liability coverage includes protection for injuries or deaths to third parties, damage to their property, and legal defense costs in the event of an accident involving your vehicle.

How does the insurance cover medical expenses in the event of an accident?

Medical expenses coverage includes hospital costs, ambulance services, surgeries, physiotherapy, and medical care if you are injured in an accident or assault, as long as it is reported to the authorities.

What are the exclusions related to medical expenses under the insurance?

Exclusions include medical expenses for individuals inside the cabin who are not part of the accident, and medical care unrelated to the specific incident being claimed.

What is included under the legal assistance coverage?

Legal assistance covers legal advice, defense against charges such as homicide or property damage, and associated costs like legal fees and bail. However, it does not cover offenses committed under the influence of alcohol or drugs, or unauthorized defense expenses.

What is covered by roadside assistance in the insurance policy?

Roadside assistance includes services like tire changes, gasoline delivery, battery jump-starts, mechanic assistance, and the transport of the vehicle or driver in case of breakdown or total theft. It allows for two events per year.

What should you do if your car is flooded according to the video?

If your car is flooded, do not attempt to drive through the flooded area. Inspect the vehicle for damage, especially the oil pan, and consider obtaining a special agreement for coverage in such cases.