{"id":11629,"date":"2021-11-12T23:02:58","date_gmt":"2021-11-12T23:02:58","guid":{"rendered":"https:\/\/senhorcarros.com\/?p=11629"},"modified":"2021-11-12T23:03:01","modified_gmt":"2021-11-12T23:03:01","slug":"seguro-auto-e-protecao-veicular","status":"publish","type":"post","link":"https:\/\/senhorcarros.com\/es\/seguro-auto-e-protecao-veicular\/","title":{"rendered":"\u00bfCu\u00e1l es la diferencia entre seguro de autom\u00f3vil y protecci\u00f3n de veh\u00edculos?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Descubre qu\u00e9 son y cu\u00e1l es la diferencia entre seguro de coche y protecci\u00f3n del veh\u00edculo <\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Conhe\u00e7a a diferen\u00e7a entre prote\u00e7\u00e3o veicular e seguro auto. Fonte: Unsplash.\"  id=\"11851\" src=\"https:\/\/cdn.adtechpanda.com\/0a0a3666-8b70-415a-9688-1c1d3a6ca0ef\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conozca la diferencia entre protecci\u00f3n vehicular y seguro de autom\u00f3vil. Fuente: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probablemente ya te hayas preguntado cu\u00e1l es la diferencia entre un seguro de autom\u00f3vil y una protecci\u00f3n de veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esta es una pregunta muy importante.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Despu\u00e9s de todo, Brasil hoy tiene m\u00e1s de 80 millones de veh\u00edculos matriculados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, s\u00f3lo 25% cuenta con alg\u00fan tipo de seguro de autom\u00f3vil o protecci\u00f3n de veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y la contrataci\u00f3n de este tipo de servicios suele generar muchas dudas y preguntas entre los propietarios de veh\u00edculos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al fin y al cabo, hay un gran n\u00famero de personas que desconocen la diferencia entre protecci\u00f3n de veh\u00edculos y seguro.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por ello, es relativamente habitual que un servicio cuya intenci\u00f3n es proporcionar tranquilidad a las personas acabe convirti\u00e9ndose en un dolor de cabeza.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque al principio parecen similares, el seguro de autom\u00f3vil y la protecci\u00f3n de veh\u00edculos tienen muchas diferencias entre ellos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, con el objetivo de mostrarte la diferencia entre los dos tipos de protecci\u00f3n para tu coche, nuestros expertos crearon un art\u00edculo especial.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En \u00e9l conocer\u00e1s de una vez por todas la diferencia entre seguro de auto y protecci\u00f3n de veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfY ah\u00ed? \u00bfVamos a ver?&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Entonces vamos alla!&nbsp;<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1btHQx\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" 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sed\u00e1n usados hasta R$ 80 mil que son excelentes opciones para los m\u00e1s variados tipos de uso!         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcarros.com\/es\/sedas-usados-ate-80-mil\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if 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this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div 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class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Seguir\u00e1s en el mismo lugar              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u00bfQu\u00e9 es la protecci\u00f3n del veh\u00edculo? <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para empezar a hablar de la diferencia entre seguro de autom\u00f3vil y protecci\u00f3n de veh\u00edculos, comencemos hablando de la segunda opci\u00f3n.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La protecci\u00f3n del veh\u00edculo es un producto que venden las asociaciones y ofrece unas coberturas protectoras para los veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Las personas que contratan este tipo de servicios comparten los riesgos de todo un grupo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, esto significa que pagan una cantidad mensual para tener la cobertura contratada y, si ocurre un accidente, el dinero para cubrir las p\u00e9rdidas proviene de un fondo mutuo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cuando el fondo no tiene suficientes valores, todos los miembros del grupo deben asumir los costos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Imaginemos entonces la siguiente situaci\u00f3n:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Usted compra protecci\u00f3n contra colisiones de veh\u00edculos, tiene un accidente y el costo de reparaci\u00f3n es R$ 2 mil.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si est\u00e1s al d\u00eda con tus pagos mensuales, la asociaci\u00f3n rescatar\u00e1 el dinero del fondo com\u00fan de quienes contrataron la protecci\u00f3n del veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este dinero luego se utilizar\u00e1 para pagar su p\u00e9rdida.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, si no hay valores en el fondo, el valor se distribuye entre todos los miembros.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si una protecci\u00f3n tiene 20 miembros, cada uno soportar\u00e1 R$ 100 de sus p\u00e9rdidas.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces la reparaci\u00f3n est\u00e1 hecha.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u00bfQu\u00e9 es el seguro de autom\u00f3vil?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuando con el art\u00edculo sobre la diferencia entre seguro de autom\u00f3vil y protecci\u00f3n de veh\u00edculos, ahora toca hablar del seguro de autom\u00f3vil.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El seguro de autom\u00f3vil es un producto comercializado por compa\u00f1\u00edas de seguros que deben estar vinculadas a la SUSEP \u2013 Superintendencia de Seguros Privados.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cualquiera que contrate un seguro de coche se convierte autom\u00e1ticamente en cliente de la empresa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, el asegurador asume los riesgos implicados en la cobertura contratada.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Con este tipo de protecci\u00f3n, cuando ocurre un accidente previsto en la p\u00f3liza, el asegurado tiene su p\u00e9rdida cubierta por la compa\u00f1\u00eda aseguradora.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si la p\u00e9rdida es peque\u00f1a, la compa\u00f1\u00eda de seguros s\u00f3lo cobra un deducible para reparar el veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El deducible no es m\u00e1s que el costo que el cliente es responsable de reparar el veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Se establece en el contrato, como una cantidad fija o un porcentaje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, si su deducible es R$ 1 mil y la reparaci\u00f3n es R$ 3 mil, solo paga R$ 1 mil y la reparaci\u00f3n est\u00e1 hecha.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Los otros 2.000 R$ los paga la compa\u00f1\u00eda de seguros.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tambi\u00e9n es posible contar con una indemnizaci\u00f3n por p\u00e9rdida total en el seguro del coche.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, la p\u00e9rdida total cuando el da\u00f1o al autom\u00f3vil excede los 75% de su valor de lista.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, en esta situaci\u00f3n, el asegurado recibe el valor total del veh\u00edculo para la compra de un veh\u00edculo nuevo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tambi\u00e9n se paga una indemnizaci\u00f3n completa cuando el veh\u00edculo es sustra\u00eddo o hurtado y no se recupera.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>\u00bfCu\u00e1l es la diferencia entre seguro de autom\u00f3vil y protecci\u00f3n de veh\u00edculos? <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como te acabamos de mostrar, existe una gran diferencia entre un seguro de autom\u00f3vil y una protecci\u00f3n de veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, ahora nuestros expertos profundizar\u00e1n en puntos importantes sobre la diferencia entre estos dos productos.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Adhesi\u00f3n <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La primera diferencia entre el seguro de autom\u00f3vil y la protecci\u00f3n del veh\u00edculo es la membres\u00eda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adherirse a la protecci\u00f3n del veh\u00edculo es m\u00e1s r\u00e1pido y menos burocr\u00e1tico.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este caso s\u00f3lo se realiza una inspecci\u00f3n del veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Luego se paga la cuota de membres\u00eda y listo: la protecci\u00f3n ya est\u00e1 vigente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, en el seguro de autom\u00f3viles, la membres\u00eda es diferente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s de la inspecci\u00f3n, hay que esperar a que la compa\u00f1\u00eda aseguradora libere el seguro y a partir de ah\u00ed se paga la primera cuota y la protecci\u00f3n comienza a surtir efecto.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>An\u00e1lisis de riesgo <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El an\u00e1lisis de riesgos es otro tema que muestra la gran diferencia entre el seguro de autom\u00f3vil y la protecci\u00f3n del veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En general, todo el mundo puede contratar protecci\u00f3n de veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto se debe a que no existe un an\u00e1lisis del perfil de riesgo del conductor o del coche.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, a la hora de contratar un seguro de coche, la aseguradora analiza todo el perfil del asegurado y del coche.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, se tienen en cuenta la edad del conductor, su experiencia en el tr\u00e1fico, el lugar donde est\u00e1 aparcado el veh\u00edculo y el tipo de uso del mismo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tambi\u00e9n se eval\u00faa el coche, principalmente para saber si es objeto de robo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, con estos factores, la aseguradora es capaz de definir las posibilidades de que el veh\u00edculo sufra un accidente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El coste de la franquicia se define de forma asertiva.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Pol\u00edtica <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El seguro de autom\u00f3vil tiene una p\u00f3liza detallada, con derechos y deberes del cliente y de la aseguradora.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, en protecci\u00f3n de veh\u00edculos la pol\u00edtica no existe.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lo que existe es un contrato de responsabilidad mutua, donde se establece que los riesgos se dividen entre los asociados.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Techo <\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cobertura do seguro auto \u00e9 muito superior a da prote\u00e7\u00e3o veicular. Fonte: Unsplash.\"  id=\"11853\" src=\"https:\/\/cdn.adtechpanda.com\/dbde8a7a-a1f7-406d-ba90-94e68952d36c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La cobertura del seguro de autom\u00f3vil es mucho mayor que la protecci\u00f3n del veh\u00edculo. Fuente: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La cobertura es un elemento que literalmente explica la diferencia entre el seguro de autom\u00f3vil y la protecci\u00f3n del veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este sentido, las coberturas b\u00e1sicas del seguro de coche son similares a las de protecci\u00f3n del veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, las coberturas extra, como protecci\u00f3n de cristales, linternas, faros o tarjeta verde, s\u00f3lo se encuentran en el seguro de coche.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Costos <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La protecci\u00f3n del veh\u00edculo suele ser ventajosa en relaci\u00f3n con el importe pagado mensualmente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto se debe a que el coste de contrataci\u00f3n es inferior al del seguro de coche.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, su protecci\u00f3n es menor.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En los seguros de coche, los pagos mensuales son fijos y en funci\u00f3n del perfil del conductor y del veh\u00edculo.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Indemnidad <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En los seguros de autom\u00f3viles, la norma determina que el asegurado reciba la indemnizaci\u00f3n en un plazo m\u00e1ximo de 30 d\u00edas, tal y como marca la ley.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el caso de la protecci\u00f3n del veh\u00edculo, el consumidor recibe una compensaci\u00f3n en funci\u00f3n del flujo de caja existente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, el periodo de espera de los valores suele ser mayor.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, la indemnizaci\u00f3n total del seguro sigue el valor de mercado del veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, para garantizar el reembolso, las aseguradoras utilizan la Tabla Fipe.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En protecci\u00f3n de veh\u00edculos, los pagos est\u00e1n por debajo del valor de mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al fin y al cabo, los valores dependen del flujo de caja de la asociaci\u00f3n.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Prima <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Aqu\u00ed tenemos una gran diferencia entre seguro de autom\u00f3vil y protecci\u00f3n de veh\u00edculo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cualquiera que tenga un seguro de autom\u00f3vil y no se comunique con la compa\u00f1\u00eda de seguros acumula puntos anualmente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Estos puntos anuales se convierten en descuentos al renovar. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero en la protecci\u00f3n de veh\u00edculos esto no ocurre.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, aunque no existan reclamaciones, el consumidor no obtiene ninguna ventaja a la hora de firmar un nuevo contrato.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Cancelaci\u00f3n <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En los seguros de autom\u00f3viles, el asegurado puede solicitar la cancelaci\u00f3n del producto en cualquier momento.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, s\u00f3lo deber\u00e1s abonar el importe proporcional al periodo de utilizaci\u00f3n del servicio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, en protecci\u00f3n de veh\u00edculos los contratos suelen fijar una estancia m\u00ednima de 180 d\u00edas.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cuando el contrato se cancela antes de la fecha l\u00edmite, el usuario paga una multa.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Seguro de autom\u00f3vil o protecci\u00f3n del veh\u00edculo: \u00bfcu\u00e1l vale la pena? <\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Ent\u00e3o, qual a melhor op\u00e7\u00e3o? Fonte: Unsplash.\"  id=\"11854\" src=\"https:\/\/cdn.adtechpanda.com\/de455221-73ee-475e-bef8-07687f2599eb\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entonces, \u00bfcu\u00e1l es la mejor opci\u00f3n? Fuente: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, despu\u00e9s de descubrir la diferencia entre seguro de auto y protecci\u00f3n de veh\u00edculos seguramente te estar\u00e1s preguntando:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfQu\u00e9 m\u00e1s vale? \u00bfSeguro de autom\u00f3vil o protecci\u00f3n del veh\u00edculo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La respuesta aqu\u00ed es bastante obvia.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La protecci\u00f3n del veh\u00edculo es una protecci\u00f3n paliativa y f\u00e1cilmente se vuelve ineficaz.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aunque es m\u00e1s econ\u00f3mico, es habitual que los clientes que contratan este tipo de protecci\u00f3n para su coche se queden tirados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, lo decimos sin lugar a dudas: a la hora de proteger tu coche, busca una compa\u00f1\u00eda de seguros.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, antes de buscar una compa\u00f1\u00eda de seguros, investigue un poco y busque una compa\u00f1\u00eda de seguros que forme parte de SUSEP \u2013 Superintendencia de Seguros Privados.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto garantiza seguridad para ambas partes en t\u00e9rminos de pago y oferta de servicios.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A la hora de proteger tu veh\u00edculo, lo ideal es confiar en una compa\u00f1\u00eda de seguros.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Pier Auto Insurance: protecci\u00f3n asequible para usted y su autom\u00f3vil <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tan importante como contratar un seguro de coche es buscar una opci\u00f3n que sea asequible y funcional.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, ahora que conoces la diferencia entre seguro de auto y protecci\u00f3n de veh\u00edculos, y cu\u00e1l de los dos vale la pena, nuestros expertos contin\u00faan ayud\u00e1ndote.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pier Seguro Auto es una de las p\u00f3lizas de seguro m\u00e1s funcionales de la actualidad.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Con precios accesibles que se ajustan a tu presupuesto y una serie de coberturas, ha conquistado a muchas personas en todo Brasil.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed que, para conocer m\u00e1s sobre esta opci\u00f3n y saber c\u00f3mo contratarla, \u00a1s\u00f3lo tienes que hacer clic en el siguiente enlace!&nbsp;<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z27FAzh\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcarros.com\/es\/seguro-auto-pier-digital\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubre Pier Seguro Auto\">\n          <div class=\"m-auto 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views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcarros.com\/es\/seguro-auto-pier-digital\/\"  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<\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Seguir\u00e1s en el mismo lugar              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00a1Descubre la diferencia entre seguro de coche y protecci\u00f3n de veh\u00edculos y protege tu veh\u00edculo de la forma m\u00e1s adecuada posible contra diferentes tipos de problemas! <\/p>","protected":false},"author":5,"featured_media":11856,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[66,71,70,57],"tags":[407,406,188,472],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Senhor Carros Qual a diferen\u00e7a entre seguro auto e prote\u00e7\u00e3o veicular -<\/title>\n<meta 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