{"id":1244,"date":"2020-03-28T12:16:39","date_gmt":"2020-03-28T12:16:39","guid":{"rendered":"https:\/\/northlandinjurylaw.com\/?p=1244"},"modified":"2024-06-14T09:20:22","modified_gmt":"2024-06-14T09:20:22","slug":"quien-paga-cuando-el-otro-conductor-no-esta-asegurado","status":"publish","type":"post","link":"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/","title":{"rendered":"\u00bfQui\u00e9n paga cuando el otro conductor no est\u00e1 asegurado?"},"content":{"rendered":"<p>La ley Missouri exige que todos los conductores y propietarios de veh\u00edculos tengan un seguro de responsabilidad civil.  El seguro de responsabilidad civil cubre la propia responsabilidad legal cuando se producen da\u00f1os y p\u00e9rdidas como consecuencia de la negligencia de un conductor.  La ley Missouri exige que el conductor tenga un seguro de responsabilidad civil que cubra al menos $25.000 por cada persona lesionada en un accidente.<\/p>\n<p>No obstante, el Departamento de Hacienda de Missouri informa de que miles de ciudadanos de Missouri se ven implicados cada a\u00f1o en colisiones con conductores que no tienen el seguro obligatorio.  En tal caso, puede presentar una reclamaci\u00f3n en virtud de la cobertura para veh\u00edculos de motor no asegurados que ofrece la p\u00f3liza que adquiri\u00f3 para protegerse.<\/p>\n<p>La cobertura de veh\u00edculo no asegurado proporciona prestaciones cuando usted se ve implicado en un accidente causado por otro conductor que no ten\u00eda seguro.  Las aseguradoras est\u00e1n obligadas a incluir la cobertura de veh\u00edculos sin seguro en todas las p\u00f3lizas de seguro de autom\u00f3vil vendidas en Missouri.  Las p\u00f3lizas deben tener una cobertura m\u00ednima de $25.000 por cada persona lesionada.<\/p>\n<p>No, sus tarifas no subir\u00e1n por presentar una reclamaci\u00f3n en virtud de la cobertura de veh\u00edculo de motor no asegurado porque la ley Missouri le protege.  Una aseguradora no puede subir sus tarifas porque su asegurado haya presentado una reclamaci\u00f3n contra una p\u00f3liza por lesiones o da\u00f1os materiales derivados de un accidente del que no es responsable.  La normativa estatal establece: \"En ning\u00fan caso podr\u00e1 una aseguradora solicitar un aumento de prima a un asegurado en relaci\u00f3n con una reclamaci\u00f3n derivada de un accidente del que el asegurado no haya sido culpable\".  20 CSR 500-2.600(3).<\/p>\n<p>En resumen, no hay ninguna raz\u00f3n para no presentar una reclamaci\u00f3n contra su p\u00f3liza de seguro de autom\u00f3vil cuando el conductor culpable no est\u00e1 asegurado.  Por supuesto, estas reclamaciones -llamadas reclamaciones de primera parte- exigen una pericia particular.  Las p\u00f3lizas de seguros son contratos.  Y la persona perjudicada debe cumplir todas las disposiciones de la p\u00f3liza para poder reclamar con \u00e9xito en virtud del contrato de seguro.  No todos los abogados est\u00e1n familiarizados con este tipo de reclamaciones y con los pasos necesarios para presionar.  Al entrevistar a posibles abogados de lesiones personales para que le representen, aseg\u00farese de preguntar sobre su experiencia en la tramitaci\u00f3n de reclamaciones de seguros de primera parte.<\/p>\n<p><strong>Si usted o un ser querido ha sufrido lesiones en un accidente de coche llame al <a href=\"https:\/\/northlandinjurylaw.com\/es\/abogado-de-muerte-por-negligencia-de-kansas-city\/\">Ley de lesiones de Northland<\/a> en <a href=\"tel:816-400-4878\">816-400-4878<\/a> para hablar con un <a href=\"https:\/\/northlandinjurylaw.com\/es\/abogado-de-accidentes-de-coche-en-kansas-city\/\">Missouri abogado accidente autom\u00f3vil<\/a> para obtener la indemnizaci\u00f3n que necesita.  Un abogado con experiencia en lesiones personales puede aliviar parte de la carga mediante la participaci\u00f3n en la investigaci\u00f3n de los hechos, la recopilaci\u00f3n de la documentaci\u00f3n necesaria, y la elaboraci\u00f3n de demandas concisas y exhaustivas para la soluci\u00f3n de su reclamo.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Missouri law requires all drivers and vehicle owners maintain liability insurance coverage. Liability insurance covers one\u2019s legal liability when harms and losses happen as a result of a driver\u2019s negligence. Missouri law requires a driver have liability insurance providing at least $25,000 of coverage for each person injured in a crash. Nevertheless, the Missouri Department &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/\" class=\"more-link\">Seguir leyendo<span class=\"screen-reader-text\"> &#8220;Who Pays When the Other Driver Isn\u2019t Insured?&#8221;<\/span><\/a><\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1244","post","type-post","status-publish","format-standard","hentry","category-news","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who Pays When the Other Driver Isn&#039;t Insured? - Northland Injury Law<\/title>\n<meta name=\"description\" content=\"Missouri law requires all drivers and vehicle owners maintain liability insurance coverage. Liability insurance covers one\u2019s legal liability when harms and losses happen as a result of a driver\u2019s negligence. Missouri law requires a driver have liability insurance providing at least $25,000 of coverage for each person injured in a crash. Nevertheless, the Missouri Department\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who Pays When the Other Driver Isn&#039;t Insured? - Northland Injury Law\" \/>\n<meta property=\"og:description\" content=\"Missouri law requires all drivers and vehicle owners maintain liability insurance coverage. Liability insurance covers one\u2019s legal liability when harms and losses happen as a result of a driver\u2019s negligence. Missouri law requires a driver have liability insurance providing at least $25,000 of coverage for each person injured in a crash. Nevertheless, the Missouri Department\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/\" \/>\n<meta property=\"og:site_name\" content=\"Northland Injury Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/accidentinjurylawyers\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-28T12:16:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-14T09:20:22+00:00\" \/>\n<meta name=\"author\" content=\"Eric Bartlett\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Bartlett\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u00bfQui\u00e9n paga cuando el otro conductor no est\u00e1 asegurado? - Ley de Lesiones Northland","description":"La ley Missouri exige que todos los conductores y propietarios de veh\u00edculos tengan un seguro de responsabilidad civil. El seguro de responsabilidad civil cubre la propia responsabilidad legal cuando se producen da\u00f1os y p\u00e9rdidas como consecuencia de la negligencia de un conductor. La ley Missouri exige que el conductor tenga un seguro de responsabilidad civil que cubra al menos $25.000 por cada persona herida en un accidente. Sin embargo, el Departamento de Missouri...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/","og_locale":"es_MX","og_type":"article","og_title":"Who Pays When the Other Driver Isn't Insured? - Northland Injury Law","og_description":"Missouri law requires all drivers and vehicle owners maintain liability insurance coverage. Liability insurance covers one\u2019s legal liability when harms and losses happen as a result of a driver\u2019s negligence. Missouri law requires a driver have liability insurance providing at least $25,000 of coverage for each person injured in a crash. Nevertheless, the Missouri Department\u2026","og_url":"https:\/\/northlandinjurylaw.com\/es\/blog\/quien-paga-cuando-el-otro-conductor-no-esta-asegurado\/","og_site_name":"Northland Injury Law","article_publisher":"https:\/\/www.facebook.com\/accidentinjurylawyers\/","article_published_time":"2020-03-28T12:16:39+00:00","article_modified_time":"2024-06-14T09:20:22+00:00","author":"Eric Bartlett","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Eric Bartlett","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/#article","isPartOf":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/"},"author":{"name":"Eric Bartlett","@id":"https:\/\/northlandinjurylaw.com\/#\/schema\/person\/1e35848aa80e77f1c0b4159d4073bc20"},"headline":"Who Pays When the Other Driver Isn\u2019t Insured?","datePublished":"2020-03-28T12:16:39+00:00","dateModified":"2024-06-14T09:20:22+00:00","mainEntityOfPage":{"@id":"https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/"},"wordCount":415,"commentCount":0,"publisher":{"@id":"https:\/\/northlandinjurylaw.com\/#organization"},"articleSection":["News"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/","url":"https:\/\/northlandinjurylaw.com\/blog\/who-pays-when-the-other-driver-isnt-insured\/","name":"\u00bfQui\u00e9n paga cuando el otro conductor no est\u00e1 asegurado? - Ley de Lesiones Northland","isPartOf":{"@id":"https:\/\/northlandinjurylaw.com\/#website"},"datePublished":"2020-03-28T12:16:39+00:00","dateModified":"2024-06-14T09:20:22+00:00","description":"La ley Missouri exige que todos los conductores y propietarios de veh\u00edculos tengan un seguro de responsabilidad civil. El seguro de responsabilidad civil cubre la propia responsabilidad legal cuando se producen da\u00f1os y p\u00e9rdidas como consecuencia de la negligencia de un conductor. La ley Missouri exige que el conductor tenga un seguro de responsabilidad civil que cubra al menos $25.000 por cada persona herida en un accidente. 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