{"id":2077,"date":"2019-01-14T06:01:00","date_gmt":"2019-01-14T06:01:00","guid":{"rendered":"https:\/\/cglawms.com\/?p=2077"},"modified":"2025-09-24T06:41:05","modified_gmt":"2025-09-24T06:41:05","slug":"conductor-sin-seguro","status":"publish","type":"post","link":"https:\/\/cglawms.com\/es\/blog\/uninsured-motorist\/","title":{"rendered":"\u00bfQu\u00e9 es la cobertura para conductores sin seguro?"},"content":{"rendered":"<p>Casi todo el mundo sabe lo que es <a href=\"https:\/\/www.mid.ms.gov\/\" target=\"_blank\">seguro de autom\u00f3vil<\/a> Es as\u00ed. Usted paga una prima mensual a una compa\u00f1\u00eda de seguros y, a cambio, dicha compa\u00f1\u00eda se compromete por contrato a pagar los da\u00f1os que se produzcan cuando usted se vea involucrado en un accidente de tr\u00e1fico.  La ley de Mississippi exige que los conductores con licencia mantengan un seguro de responsabilidad civil, que proporciona cobertura para el otro autom\u00f3vil y\/o conductor cuando el accidente es culpa suya. La cobertura m\u00ednima de seguro de responsabilidad civil exigida por ley en Mississippi es de $25,000 por persona y $50,000 por accidente por lesiones corporales.  Pero, \u00bfqu\u00e9 pasa si usted sufre un accidente que no es culpa suya, resulta gravemente herido y la persona que le atropella no tiene suficiente seguro para cubrir sus lesiones? O peor a\u00fan, \u00bfqu\u00e9 pasa si el otro conductor no tiene ning\u00fan seguro de autom\u00f3vil? Podr\u00eda terminar pagando de su propio bolsillo las facturas m\u00e9dicas, la p\u00e9rdida de salarios y el dolor y el sufrimiento causados por la negligencia de otra persona.<\/p>\n<p>Un estudio realizado en 2015 por el Consejo de Investigaci\u00f3n de Seguros estim\u00f3 que 13% de conductores, o casi 1 de cada 8, son <a href=\"https:\/\/cglawms.com\/es\/blog\/cobertura-para-conductores-sin-seguro\/\">sin seguro<\/a> automovilistas. Ese mismo a\u00f1o, en Mississippi, el porcentaje estimado de conductores sin seguro era casi el doble: 23,7%. \u00bfQui\u00e9n se asegurar\u00e1 de que reciba una indemnizaci\u00f3n justa por sus lesiones si no hay suficiente seguro o si no hay cobertura de seguro en absoluto? Ah\u00ed es donde entra en juego la cobertura del seguro UM\/UIM.  UM\/UIM son las siglas de Uninsured\/Under-insured Motorist (Conductor sin seguro\/con seguro insuficiente) y esta cobertura es autom\u00e1tica en Mississippi, a menos que firme espec\u00edficamente una renuncia indicando que no la desea.  NUNCA firme esta renuncia. Esta cobertura le protege en aquellas situaciones en las que otra persona causa un accidente y no tiene un seguro suficiente o no tiene ning\u00fan seguro. Debe asegurarse a trav\u00e9s de su p\u00f3liza por al menos la misma cantidad que asegura a la otra persona. Despu\u00e9s de todo, \u00bfa qui\u00e9n le tiene m\u00e1s miedo que conduzca mal, a usted o a la otra persona? \u00bfPor qu\u00e9 no cubrir todas las posibilidades?<\/p>\n<p>Si ha estado involucrado en un accidente automovil\u00edstico con un conductor sin seguro o con seguro insuficiente, o si usted o un ser querido han resultado heridos en un <a href=\"https:\/\/cglawms.com\/es\/abogado-especializado-en-accidentes-automovilisticos-en-mississippi\/\">accidente automovil\u00edstico<\/a> en Mississippi, <a href=\"https:\/\/cglawms.com\/es\/evaluacion\/\">contacto<\/a> Chhabra, Gibbs Gustavis, P.A. hoy mismo. La consulta sobre su caso es gratuita. Puede ponerse en contacto con nosotros llamando al <a href=\"tel:6019488005\">601-948-8005 <\/a>o utilizando nuestro chat en vivo en nuestro sitio web.<\/p>","protected":false},"excerpt":{"rendered":"<p>Most everyone knows what car insurance is. You pay a monthly premium to an insurance company, and in exchange that company agrees under contract to pay for the loss that occurs when you are involved in a motor vehicle accident. Mississippi law requires that licensed drivers maintain liability insurance, which provides coverage for the other [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1961,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10,29,25],"tags":[6,7],"class_list":["post-2077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-posts","category-motor-vehicle-accidents","category-personal-injury","tag-motor-vehicle-accidents","tag-personal-injury"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Uninsured Motorist coverage? - Chhabra, Gibbs &amp; Gustavis, P.A.<\/title>\n<meta name=\"description\" content=\"Most everyone knows what car insurance is. 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Chhabra\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@rogenchhabra\" \/>\n<meta name=\"twitter:site\" content=\"@ChhabraAndGibbs\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rogen K. Chhabra\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/cglawms.com\\\/blog\\\/uninsured-motorist\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/cglawms.com\\\/blog\\\/uninsured-motorist\\\/\"},\"author\":{\"name\":\"Rogen K. 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Desde que se incorpor\u00f3 al Colegio de Abogados de Mississippi en 1998, ha representado a personas en casos de lesiones personales relacionados con lesiones cerebrales y de la m\u00e9dula espinal, quemaduras, accidentes de construcci\u00f3n y en alta mar, choques de camiones de 18 ruedas y veh\u00edculos motorizados, muerte por negligencia, indemnizaci\u00f3n laboral, responsabilidad civil por instalaciones, responsabilidad civil por productos defectuosos y negligencia m\u00e9dica. 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