[{"data":1,"prerenderedAt":328},["ShallowReactive",2],{"latest-articles":3},[4,134,237],{"_path":5,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":9,"description":10,"body":11,"_type":128,"_id":129,"_source":130,"_file":131,"_stem":132,"_extension":133},"\u002Freclamaciones-ahorro-derechos\u002Fbajar-prima-seguro-auto","reclamaciones-ahorro-derechos",false,"","Cómo bajar la prima del seguro de auto sin perder cobertura","Opciones para reducir coste revisando riesgo, descuentos y deducibles.",{"type":12,"children":13,"toc":119},"root",[14,32,42,49,54,60,67,72,78,100,114],{"type":15,"tag":16,"props":17,"children":18},"element","blockquote",{},[19],{"type":15,"tag":20,"props":21,"children":22},"p",{},[23,30],{"type":15,"tag":24,"props":25,"children":26},"strong",{},[27],{"type":28,"value":29},"text","Advertencia:",{"type":28,"value":31}," Este contenido es educativo y no constituye asesoramiento personalizado. Las coberturas varían por estado.",{"type":15,"tag":20,"props":33,"children":34},{},[35,40],{"type":15,"tag":24,"props":36,"children":37},{},[38],{"type":28,"value":39},"Autor:",{"type":28,"value":41}," Equipo editorial de TuAsesorPoliza",{"type":15,"tag":43,"props":44,"children":46},"h2",{"id":45},"respuesta-rápida",[47],{"type":28,"value":48},"Respuesta rápida",{"type":15,"tag":20,"props":50,"children":51},{},[52],{"type":28,"value":53},"Compara aseguradoras con límites equivalentes, pregunta por descuentos, revisa kilometraje y evalúa deducibles que puedas pagar. Reducir límites sin entender el riesgo puede ser una falsa economía.",{"type":15,"tag":43,"props":55,"children":57},{"id":56},"opciones",[58],{"type":28,"value":59},"Opciones",{"type":15,"tag":61,"props":62,"children":64},"h3",{"id":63},"descuentos-y-uso",[65],{"type":28,"value":66},"Descuentos y uso",{"type":15,"tag":20,"props":68,"children":69},{},[70],{"type":28,"value":71},"Confirma formación, agrupación, telemática y buen historial. Pregunta qué datos recoge la aplicación y cuánto dura el descuento.",{"type":15,"tag":61,"props":73,"children":75},{"id":74},"deducible",[76],{"type":28,"value":77},"Deducible",{"type":15,"tag":20,"props":79,"children":80},{},[81,83,90,92,98],{"type":28,"value":82},"Un deducible mayor puede bajar la prima, pero exige liquidez tras un siniestro. Consulta ",{"type":15,"tag":84,"props":85,"children":87},"a",{"href":86},"\u002Fseguros-auto\u002Fseguro-auto-cobertura-completa\u002F",[88],{"type":28,"value":89},"cobertura completa",{"type":28,"value":91}," y ",{"type":15,"tag":84,"props":93,"children":95},{"href":94},"\u002Fseguros-auto\u002Fcotizacion-seguro-auto-comparar\u002F",[96],{"type":28,"value":97},"cotización",{"type":28,"value":99},".",{"type":15,"tag":20,"props":101,"children":102},{},[103,105,113],{"type":28,"value":104},"Verifica reglas con el ",{"type":15,"tag":84,"props":106,"children":110},{"href":107,"rel":108},"https:\u002F\u002Fcontent.naic.org\u002Fstate-insurance-regulators",[109],"nofollow",[111],{"type":28,"value":112},"regulador estatal",{"type":28,"value":99},{"type":15,"tag":20,"props":115,"children":116},{},[117],{"type":28,"value":118},"Revisión editorial: Equipo editorial de TuAsesorPoliza. Este contenido es educativo y no constituye asesoramiento personalizado. Las coberturas varían por estado.",{"title":8,"searchDepth":120,"depth":120,"links":121},2,[122,123],{"id":45,"depth":120,"text":48},{"id":56,"depth":120,"text":59,"children":124},[125,127],{"id":63,"depth":126,"text":66},3,{"id":74,"depth":126,"text":77},"markdown","content:reclamaciones-ahorro-derechos:bajar-prima-seguro-auto.md","content","reclamaciones-ahorro-derechos\u002Fbajar-prima-seguro-auto.md","reclamaciones-ahorro-derechos\u002Fbajar-prima-seguro-auto","md",{"_path":135,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":136,"description":137,"body":138,"_type":128,"_id":234,"_source":130,"_file":235,"_stem":236,"_extension":133},"\u002Freclamaciones-ahorro-derechos\u002Fderechos-asegurado","Derechos del asegurado frente al ajustador","Conoce qué documentos conservar y qué preguntas hacer al ajustador durante una reclamación de seguro.",{"type":12,"children":139,"toc":227},[140,151,159,163,168,174,180,185,191,204,223],{"type":15,"tag":16,"props":141,"children":142},{},[143],{"type":15,"tag":20,"props":144,"children":145},{},[146,150],{"type":15,"tag":24,"props":147,"children":148},{},[149],{"type":28,"value":29},{"type":28,"value":31},{"type":15,"tag":20,"props":152,"children":153},{},[154,158],{"type":15,"tag":24,"props":155,"children":156},{},[157],{"type":28,"value":39},{"type":28,"value":41},{"type":15,"tag":43,"props":160,"children":161},{"id":45},[162],{"type":28,"value":48},{"type":15,"tag":20,"props":164,"children":165},{},[166],{"type":28,"value":167},"Lee tu póliza, coopera con solicitudes razonables y conserva comunicaciones. Puedes pedir número de reclamación, base de decisiones, documentos pendientes y plazos. Las obligaciones concretas varían por contrato y estado.",{"type":15,"tag":43,"props":169,"children":171},{"id":170},"durante-la-revisión",[172],{"type":28,"value":173},"Durante la revisión",{"type":15,"tag":61,"props":175,"children":177},{"id":176},"comunicación",[178],{"type":28,"value":179},"Comunicación",{"type":15,"tag":20,"props":181,"children":182},{},[183],{"type":28,"value":184},"Responde con hechos y no adivines. Pide confirmación escrita de acuerdos y conserva fotografías, recibos y presupuestos.",{"type":15,"tag":61,"props":186,"children":188},{"id":187},"disputa",[189],{"type":28,"value":190},"Disputa",{"type":15,"tag":20,"props":192,"children":193},{},[194,196,202],{"type":28,"value":195},"Solicita revisión interna y localiza el regulador en la ",{"type":15,"tag":84,"props":197,"children":199},{"href":107,"rel":198},[109],[200],{"type":28,"value":201},"NAIC",{"type":28,"value":203},". Para casos complejos, consulta abogado.",{"type":15,"tag":20,"props":205,"children":206},{},[207,209,215,216,222],{"type":28,"value":208},"Enlaces: ",{"type":15,"tag":84,"props":210,"children":212},{"href":211},"\u002Freclamaciones-ahorro-derechos\u002Fpresentar-reclamacion-seguro\u002F",[213],{"type":28,"value":214},"presentar reclamación",{"type":28,"value":91},{"type":15,"tag":84,"props":217,"children":219},{"href":218},"\u002Freclamaciones-ahorro-derechos\u002Freclamacion-denegada-seguro\u002F",[220],{"type":28,"value":221},"denegación",{"type":28,"value":99},{"type":15,"tag":20,"props":224,"children":225},{},[226],{"type":28,"value":118},{"title":8,"searchDepth":120,"depth":120,"links":228},[229,230],{"id":45,"depth":120,"text":48},{"id":170,"depth":120,"text":173,"children":231},[232,233],{"id":176,"depth":126,"text":179},{"id":187,"depth":126,"text":190},"content:reclamaciones-ahorro-derechos:derechos-asegurado.md","reclamaciones-ahorro-derechos\u002Fderechos-asegurado.md","reclamaciones-ahorro-derechos\u002Fderechos-asegurado",{"_path":238,"_dir":6,"_draft":7,"_partial":7,"_locale":8,"title":239,"description":240,"body":241,"_type":128,"_id":325,"_source":130,"_file":326,"_stem":327,"_extension":133},"\u002Freclamaciones-ahorro-derechos\u002Finsurance-bad-faith","Mala fe de una aseguradora: qué significa y qué documentar","Conceptos generales sobre retrasos, denegaciones y documentación de una disputa.",{"type":12,"children":242,"toc":318},[243,254,262,266,271,277,283,288,294,314],{"type":15,"tag":16,"props":244,"children":245},{},[246],{"type":15,"tag":20,"props":247,"children":248},{},[249,253],{"type":15,"tag":24,"props":250,"children":251},{},[252],{"type":28,"value":29},{"type":28,"value":31},{"type":15,"tag":20,"props":255,"children":256},{},[257,261],{"type":15,"tag":24,"props":258,"children":259},{},[260],{"type":28,"value":39},{"type":28,"value":41},{"type":15,"tag":43,"props":263,"children":264},{"id":45},[265],{"type":28,"value":48},{"type":15,"tag":20,"props":267,"children":268},{},[269],{"type":28,"value":270},"“Mala fe” es un concepto jurídico cuyo significado, elementos y remedios dependen del estado y del contrato. Un retraso o denegación no demuestra por sí solo mala fe. Documenta hechos y busca asesoramiento local si el conflicto es serio.",{"type":15,"tag":43,"props":272,"children":274},{"id":273},"documentación",[275],{"type":28,"value":276},"Documentación",{"type":15,"tag":61,"props":278,"children":280},{"id":279},"cronología",[281],{"type":28,"value":282},"Cronología",{"type":15,"tag":20,"props":284,"children":285},{},[286],{"type":28,"value":287},"Guarda póliza, avisos, fotografías, informes, llamadas, cartas, fechas y solicitudes de información. Pide razones y cláusulas por escrito.",{"type":15,"tag":61,"props":289,"children":291},{"id":290},"escalado",[292],{"type":28,"value":293},"Escalado",{"type":15,"tag":20,"props":295,"children":296},{},[297,299,305,307,312],{"type":28,"value":298},"Usa apelación interna y contacta al ",{"type":15,"tag":84,"props":300,"children":302},{"href":107,"rel":301},[109],[303],{"type":28,"value":304},"Department of Insurance estatal",{"type":28,"value":306},". Consulta ",{"type":15,"tag":84,"props":308,"children":309},{"href":218},[310],{"type":28,"value":311},"reclamación denegada",{"type":28,"value":313}," y no dejes vencer plazos.",{"type":15,"tag":20,"props":315,"children":316},{},[317],{"type":28,"value":118},{"title":8,"searchDepth":120,"depth":120,"links":319},[320,321],{"id":45,"depth":120,"text":48},{"id":273,"depth":120,"text":276,"children":322},[323,324],{"id":279,"depth":126,"text":282},{"id":290,"depth":126,"text":293},"content:reclamaciones-ahorro-derechos:insurance-bad-faith.md","reclamaciones-ahorro-derechos\u002Finsurance-bad-faith.md","reclamaciones-ahorro-derechos\u002Finsurance-bad-faith",1790839309859]