{"id":1537,"date":"2015-11-30T14:00:00","date_gmt":"2015-11-30T14:00:00","guid":{"rendered":"https:\/\/www.allenandallen.com\/will-my-insurance-company-raise-my-rates-if-i-need-to-use-my-coverage-after-an-accident\/"},"modified":"2025-04-15T08:22:47","modified_gmt":"2025-04-15T13:22:47","slug":"mi-compania-de-seguros-aumentara-mis-tarifas-si-necesito-usar-mi-cobertura-despues-de-un-accidente","status":"publish","type":"post","link":"https:\/\/www.allenandallen.com\/es\/blog\/will-my-insurance-company-raise-my-rates-if-i-need-to-use-my-coverage-after-an-accident\/","title":{"rendered":"\u00bfLa presentaci\u00f3n de un reclamo de seguro aumenta las tarifas?"},"content":{"rendered":"

Hay una serie de circunstancias en las que una persona puede querer o necesitar usar su propia cobertura despu\u00e9s de un accidente automovil\u00edstico, incluso si alguien m\u00e1s tiene la culpa de causar el accidente. Por ejemplo, una persona podr\u00eda querer usar su propia cobertura de colisi\u00f3n para la cobertura de gastos m\u00e9dicos. O si el conductor culpable no tiene seguro o tiene seguro insuficiente, es posible que una persona deba usar la cobertura para personas sin seguro o con seguro insuficiente en su propia p\u00f3liza. Tambi\u00e9n es posible que una persona lesionada necesite hacer uno o m\u00e1s de estos reclamos utilizando la cobertura proporcionada por una p\u00f3liza de seguro que pertenece a un pariente que reside en el hogar de la persona lesionada.<\/p>\n

\u00bfMi seguro aumentar\u00e1 si alguien me golpea?<\/h3>\n

A una persona que necesita usar su propia cobertura (o la cobertura de un pariente) con frecuencia le preocupa que usar la cobertura resulte en un aumento en sus tarifas. A menos que la persona que hace el reclamo sea total o parcialmente culpable de causar el accidente subyacente, las leyes de seguros de autom\u00f3viles en Virginia proh\u00edben que una compa\u00f1\u00eda de seguros aumente la tarifa cobrada por la cobertura a la que se accede. Entonces no, presentar un reclamo de seguro no aumentar\u00e1 las tarifas ni lo perjudicar\u00e1 si usted no fue la parte negligente. Ley de seguros de autom\u00f3viles de Virginia<\/a> tambi\u00e9n requiere que una compa\u00f1\u00eda de seguros que sube las tarifas de una persona debido a un accidente debe notificar a la persona por escrito para que sepa por qu\u00e9 se subieron sus tarifas y tenga la oportunidad de apelar la decisi\u00f3n de la aseguradora si cree que es no justificado.<\/p>\n

\n

 <\/p>\n<\/div>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Hay una serie de circunstancias en las que una persona podr\u00eda querer o necesitar usar su propia cobertura despu\u00e9s de un accidente automovil\u00edstico, incluso si alguien m\u00e1s tiene la culpa ...<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1537","post","type-post","status-publish","format-standard","hentry","category-blog","import-complete"],"acf":[],"yoast_head":"\nWill my insurance company raise my rates if I need to use my coverage after an accident?<\/title>\n<meta name=\"description\" content=\"Unless the person making the claim is wholly or partially at fault in causing the underlying accident, Virginia law prohibits an insurance company from raising the rate charged for the coverage being accessed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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