{"id":1675,"date":"2018-04-17T12:33:00","date_gmt":"2018-04-17T12:33:00","guid":{"rendered":"https:\/\/cglawms.com\/?p=1675"},"modified":"2025-09-24T06:41:44","modified_gmt":"2025-09-24T06:41:44","slug":"seguro-contra-accidentes-automovilisticos","status":"publish","type":"post","link":"https:\/\/cglawms.com\/es\/blog\/car-wreck-insurance\/","title":{"rendered":"Preguntas sobre seguros despu\u00e9s de un accidente automovil\u00edstico"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Alternar<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cglawms.com\/es\/blog\/car-wreck-insurance\/#insurance-questions-after-dealing-with-a-car-wreck\" >Preguntas sobre seguros despu\u00e9s de sufrir un accidente automovil\u00edstico.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cglawms.com\/es\/blog\/car-wreck-insurance\/#what-happens-if-i-have-a-car-wreck-and-i-dont-have-car-insurance\" >\u00bfQu\u00e9 pasa si tengo un accidente automovil\u00edstico y no tengo seguro de autom\u00f3vil?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cglawms.com\/es\/blog\/car-wreck-insurance\/#how-does-uninsured-motorist-coverage-work-in-mississippi\" >\u00bfC\u00f3mo funciona la cobertura para conductores sin seguro en Mississippi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cglawms.com\/es\/blog\/car-wreck-insurance\/#what-do-i-do-if-i-have-been-in-a-car-wreck-that-was-the-other-persons-fault-and-they-have-no-insurance\" >\u00bfQu\u00e9 hago si he tenido un accidente automovil\u00edstico por culpa de otra persona y esta no tiene seguro?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"insurance-questions-after-dealing-with-a-car-wreck\"><\/span>Preguntas sobre seguros despu\u00e9s de sufrir un accidente automovil\u00edstico.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"what-happens-if-i-have-a-car-wreck-and-i-dont-have-car-insurance\"><\/span>\u00bfQu\u00e9 pasa si tengo un accidente automovil\u00edstico y no tengo seguro de autom\u00f3vil?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>En Mississippi, la ley exige que toda persona que conduzca un autom\u00f3vil pueda presentar una prueba de <a href=\"http:\/\/www.mid.ms.gov\/\" target=\"_blank\">cobertura de seguro<\/a>. No tener seguro puede acarrearle sanciones y multas, pero es mucho peor si tiene un accidente automovil\u00edstico por culpa suya. Siempre puede ser demandado, tenga o no seguro, pero sin seguro usted ser\u00eda responsable de todos los da\u00f1os. Esto podr\u00eda acarrearle el embargo y\/o la incautaci\u00f3n de sus bienes. Adem\u00e1s, podr\u00eda perder su licencia de conducir.<\/p>\n<p>La mejor manera de prevenir este problema es asegurarse de tener siempre cobertura de seguro mientras conduce.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"how-does-uninsured-motorist-coverage-work-in-mississippi\"><\/span>\u00bfC\u00f3mo funciona la cobertura para conductores sin seguro en Mississippi?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>La cobertura para conductores sin seguro o con seguro insuficiente es un seguro que le cubre cuando tiene un accidente automovil\u00edstico con otra persona que no tiene seguro o no tiene suficiente seguro para cubrir sus da\u00f1os.  En Mississippi, la cobertura UM viene autom\u00e1ticamente con cada p\u00f3liza. Y para cada autom\u00f3vil de la p\u00f3liza, puede \u201cacumular\u201d la cobertura. En otras palabras, una cobertura de $25k para cada uno de los 3 veh\u00edculos de una p\u00f3liza equivaldr\u00e1 a una cobertura de $75k.  Si la otra persona no tiene seguro, es posible que su aseguradora tenga que pagar hasta $75k por sus gastos m\u00e9dicos, salarios perdidos y da\u00f1os y perjuicios. Si la otra persona tiene un seguro de $25k en este ejemplo, su aseguradora tendr\u00eda que cubrir la diferencia de $50k si usted tiene da\u00f1os por ese importe.<\/p>\n<p>La conclusi\u00f3n es que la cobertura UM es un seguro que usted contrata para usted mismo. Por lo tanto, al contratar una cobertura UM, debe preguntarse cu\u00e1nto necesita para protegerse en caso de sufrir una lesi\u00f3n grave, no poder trabajar y padecer mucho dolor. Debe tener en cuenta que la cobertura UM es muy econ\u00f3mica en comparaci\u00f3n con otros componentes de su p\u00f3liza. Tambi\u00e9n debe preguntarse si desea asegurar a todos los dem\u00e1s usuarios de la carretera m\u00e1s que a usted mismo.  En Chhabra, Gibbs Gustavis, P.A. le recomendamos encarecidamente que contrate la cobertura UM que necesite y pueda permitirse, y que no renuncie a la cobertura UM en ninguna p\u00f3liza de veh\u00edculo.<\/p>\n<p>Si est\u00e1 en proceso de contratar un seguro y tiene preguntas sobre la cobertura UM, no dude en llamar a nuestra oficina al 601-948-8005 para obtener asesoramiento gratuito sobre la cobertura que mejor se adapta a sus necesidades.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"what-do-i-do-if-i-have-been-in-a-car-wreck-that-was-the-other-persons-fault-and-they-have-no-insurance\"><\/span>\u00bfQu\u00e9 hago si he tenido un accidente automovil\u00edstico por culpa de otra persona y esta no tiene seguro?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Esperamos que tenga un seguro, tal y como exige la ley. Y esperamos que no haya renunciado a su cobertura para conductores sin seguro. Debe informar del accidente a su compa\u00f1\u00eda de seguros y pedirles que se encarguen inmediatamente de las reparaciones de su coche. Si ha resultado herido, debe recibir tratamiento m\u00e9dico de inmediato. Esperar para recibir tratamiento puede dar la impresi\u00f3n de que no est\u00e1 realmente herido. Por \u00faltimo, debe ponerse en contacto con un abogado para hablar de sus derechos. Si llama a nuestra oficina al <a href=\"tel:6019488005\">601-948-8005<\/a> Siempre estaremos encantados de ofrecerte una consulta confidencial gratuita.<\/p>\n<p><a href=\"https:\/\/cglawms.com\/es\/abogados\/rogen-k-chhabra\/\">Rogen K. Chhabra<\/a><\/p>\n<p>Si ha sufrido lesiones en un <a href=\"https:\/\/cglawms.com\/es\/abogado-especializado-en-accidentes-automovilisticos-en-mississippi\/\">accidente automovil\u00edstico<\/a> En Mississippi, llame hoy mismo a Chhabra, Gibbs Gustavis, P.A. marcando el <a href=\"tel:6019488005\">601-948-8005<\/a> o visitando nuestro sitio web, donde tenemos un chat en vivo a su disposici\u00f3n. No hay ning\u00fan costo por discutir su posible caso con nosotros.<\/p>","protected":false},"excerpt":{"rendered":"<p>Insurance Questions After Dealing With a Car Wreck. What happens if I have a car wreck and I don\u2019t have car insurance? In Mississippi, the law requires that every person driving a car be able to provide proof of insurance coverage. Failure to have insurance can subject you to penalties and fines, but it is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10,16,29,11],"tags":[21,6,46],"class_list":["post-1675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-posts","category-helpful-information","category-motor-vehicle-accidents","category-rogen-k-chhabra","tag-helpful-information","tag-motor-vehicle-accidents","tag-rogen-k-chhabra"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance Questions After a Car Wreck - Chhabra, Gibbs &amp; Gustavis, P.A.<\/title>\n<meta name=\"description\" content=\"Insurance Questions After Dealing With a Car Wreck. \u00a0 What happens if I have a car wreck and I don\u2019t have car insurance? \u00a0 In Mississippi, the\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cglawms.com\/es\/blog\/seguro-contra-accidentes-automovilisticos\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Questions After a Car Wreck - Chhabra, Gibbs &amp; Gustavis, P.A.\" \/>\n<meta property=\"og:description\" content=\"Insurance Questions After Dealing With a Car Wreck. \u00a0 What happens if I have a car wreck and I don\u2019t have car insurance? \u00a0 In Mississippi, the\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cglawms.com\/es\/blog\/seguro-contra-accidentes-automovilisticos\/\" \/>\n<meta property=\"og:site_name\" content=\"Chhabra, Gibbs &amp; Gustavis, P.A\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/cglawms\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/nationalclasslawyers.com\/lawyer\/rogen-chhabra\/\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-17T12:33:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-24T06:41:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cglawms.com\/wp-content\/uploads\/2025\/09\/Car-Wreck2.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"829\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Rogen K. 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