{"id":11629,"date":"2021-11-12T23:02:58","date_gmt":"2021-11-12T23:02:58","guid":{"rendered":"https:\/\/senhorcarros.com\/?p=11629"},"modified":"2021-11-12T23:02:58","modified_gmt":"2021-11-12T23:02:58","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 el seguro de auto y la protecci\u00f3n del veh\u00edculo?"},"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 class=\"wp-block-heading\">Descubra qu\u00e9 son el seguro de auto y la protecci\u00f3n del veh\u00edculo y cu\u00e1l es la diferencia entre ellos <\/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 decoding=\"async\" loading=\"lazy\" alt=\"Conhe\u00e7a a diferen\u00e7a entre prote\u00e7\u00e3o veicular e seguro auto. Fonte: Unsplash.\"  id=\"11851\" src=\"http:\/\/senhorcarros.com\/wp-content\/uploads\/sites\/146\/2021\/11\/photo-1567113463730-77e3df20363c.jpg\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubre la diferencia entre la protecci\u00f3n vehicular y el seguro de auto. Fuente: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Probablemente te hayas preguntado cu\u00e1l es 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 wp-paragraph\">\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 wp-paragraph\">\n<p>Despu\u00e9s de todo, actualmente Brasil tiene m\u00e1s de 80 millones de veh\u00edculos registrados.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Sin embargo, s\u00f3lo 25% tiene alg\u00fan tipo de seguro de auto o 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 wp-paragraph\">\n<p>Y contratar 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 wp-paragraph\">\n<p>Despu\u00e9s de todo, un gran n\u00famero de personas no conocen la diferencia entre protecci\u00f3n y seguro de veh\u00edculos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Por ello, es relativamente com\u00fan 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 wp-paragraph\">\n<p>Aunque a primera vista puedan parecer similares, el seguro de auto y la protecci\u00f3n del veh\u00edculo tienen muchas diferencias entre s\u00ed.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Por eso, con el objetivo de mostrarte la diferencia entre ambos 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 wp-paragraph\">\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 wp-paragraph\">\n<p>Entonces, \u00bfvamos a comprobarlo?&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Entonces, \u00a1vamos!&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\" 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data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continuar leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\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 class=\"wp-block-heading\">\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 wp-paragraph\">\n<p>Para comenzar a hablar de la diferencia entre el seguro de auto y la protecci\u00f3n del veh\u00edculo, 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 wp-paragraph\">\n<p>La protecci\u00f3n de veh\u00edculos es un producto vendido por asociaciones que ofrece cierta cobertura de protecci\u00f3n para los veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Las personas que contratan este tipo de servicios comparten riesgos con todo un grupo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En otras palabras, esto significa que pagan una cantidad mensual para tener la cobertura contratada y, si ocurre alguna p\u00e9rdida, 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 wp-paragraph\">\n<p>Cuando el fondo no tiene fondos suficientes, entonces 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 wp-paragraph\">\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 wp-paragraph\">\n<p>Usted compra protecci\u00f3n contra colisi\u00f3n de veh\u00edculo, tiene un accidente y el costo de las reparaciones es de R$ 2.000.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Si est\u00e1 al d\u00eda con sus pagos mensuales, la asociaci\u00f3n retirar\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 wp-paragraph\">\n<p>Este dinero ser\u00e1 luego utilizado para compensar su p\u00e9rdida.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Sin embargo, si no hay fondos en el fondo, el monto se comparte entre todos los miembros.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Si una protecci\u00f3n tiene 20 miembros, cada uno soportar\u00e1 el 100% de su p\u00e9rdida.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>As\u00ed queda realizada la reparaci\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<h2 class=\"wp-block-heading\">\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 wp-paragraph\">\n<p>Continuando con el art\u00edculo sobre la diferencia entre seguro de auto y protecci\u00f3n del veh\u00edculo, ahora es momento de hablar del seguro de auto.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>El seguro de auto es un producto comercializado por las 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 wp-paragraph\">\n<p>Cualquiera que contrate un seguro de autom\u00f3vil se convierte autom\u00e1ticamente en cliente de la compa\u00f1\u00eda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Por tanto, el asegurador asume los riesgos inherentes a la cobertura contratada.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Con este tipo de protecci\u00f3n, cuando ocurre una p\u00e9rdida cubierta por la p\u00f3liza, el asegurado tiene su p\u00e9rdida cubierta por la aseguradora.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Si la p\u00e9rdida es peque\u00f1a, la aseguradora s\u00f3lo cobrar\u00e1 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 wp-paragraph\">\n<p>El deducible no es m\u00e1s que el costo que el cliente debe asumir para reparar el veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Se prev\u00e9 en el contrato, como cantidad fija o porcentaje.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Entonces, si tu franquicia es de R$ 1.000 y la reparaci\u00f3n cuesta R$ 3.000, pagas s\u00f3lo R$ 1.000 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 wp-paragraph\">\n<p>Los otros 2 mil 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 wp-paragraph\">\n<p>Adem\u00e1s, tambi\u00e9n es posible contar con una indemnizaci\u00f3n por p\u00e9rdida total en el seguro de auto.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En otras palabras, la p\u00e9rdida total cuando el da\u00f1o al veh\u00edculo 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 wp-paragraph\">\n<p>Por lo tanto, en esta situaci\u00f3n, el asegurado recibe el valor total del veh\u00edculo para adquirir un veh\u00edculo nuevo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Tambi\u00e9n se paga una indemnizaci\u00f3n completa cuando el veh\u00edculo es robado 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 class=\"wp-block-heading\">\u00bfCu\u00e1l es la diferencia entre el seguro de auto y 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 wp-paragraph\">\n<p>Como acabamos de mostrarte, existe una gran diferencia entre el seguro de coche 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 wp-paragraph\">\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 class=\"wp-block-heading\">Adhesi\u00f3n <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 wp-paragraph\">\n<p>Solicitar 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 wp-paragraph\">\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 wp-paragraph\">\n<p>Luego pagas 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 wp-paragraph\">\n<p>Sin embargo, en el seguro de autom\u00f3vil la afiliaci\u00f3n es diferente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Adem\u00e1s de la inspecci\u00f3n, hay que esperar a que la aseguradora libere el seguro y a partir de ese momento se paga la primera cuota y empieza a hacer efecto la protecci\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 class=\"wp-block-heading\">An\u00e1lisis de riesgos <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>El an\u00e1lisis de riesgos es otro tema que muestra la gran diferencia entre el seguro de auto 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 wp-paragraph\">\n<p>En general, cualquier persona puede adquirir protecci\u00f3n para su veh\u00edculo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Esto se debe a que no existe un an\u00e1lisis del perfil de riesgo del conductor ni del veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Sin embargo, al 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 wp-paragraph\">\n<p>En otras palabras, se tienen en cuenta la edad del conductor, su experiencia al volante, d\u00f3nde est\u00e1 estacionado el veh\u00edculo y el tipo de uso del coche.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Adem\u00e1s tambi\u00e9n se realiza una evaluaci\u00f3n del veh\u00edculo, principalmente para saber si es susceptible de robo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Por tanto, con estos factores la aseguradora puede determinar las probabilidades 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 wp-paragraph\">\n<p>El costo de la franquicia se define de manera 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 class=\"wp-block-heading\">Pol\u00edtica <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 wp-paragraph\">\n<p>Sin embargo, en materia de protecci\u00f3n de veh\u00edculos dicha p\u00f3liza no existe.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 class=\"wp-block-heading\">Cobertura <\/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 decoding=\"async\" loading=\"lazy\" alt=\"Cobertura do seguro auto \u00e9 muito superior a da prote\u00e7\u00e3o veicular. Fonte: Unsplash.\"  id=\"11853\" src=\"http:\/\/senhorcarros.com\/wp-content\/uploads\/sites\/146\/2021\/11\/photo-1558102116-402b3c8452e0.jpg\" 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 auto es mucho mayor que la 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 wp-paragraph\">\n<p>La cobertura es un elemento que literalmente revela 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 wp-paragraph\">\n<p>En este sentido, la cobertura b\u00e1sica del seguro de autom\u00f3vil es similar a la 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 wp-paragraph\">\n<p>Sin embargo, las coberturas adicionales, como la protecci\u00f3n de las ventanas, las luces, los faros o la tarjeta verde, solo se encuentran en el seguro de autom\u00f3vil.&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 class=\"wp-block-heading\">Costos <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>La protecci\u00f3n del veh\u00edculo suele ser ventajosa en relaci\u00f3n al importe que se paga mensualmente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Esto se debe a que el coste del alquiler es menor que el 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 wp-paragraph\">\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 wp-paragraph\">\n<p>En el seguro de autom\u00f3vil, los pagos mensuales son fijos y se basan en el 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 class=\"wp-block-heading\">Indemnidad <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En seguros de autom\u00f3vil, la norma determina que el asegurado reciba la indemnizaci\u00f3n en un plazo m\u00e1ximo de 30 d\u00edas, seg\u00fan establece la ley.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En el caso de la protecci\u00f3n del veh\u00edculo, el consumidor es compensado 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 wp-paragraph\">\n<p>Por lo tanto, el tiempo de espera para obtener los valores suele ser m\u00e1s largo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Adem\u00e1s, la indemnizaci\u00f3n total del seguro se calcula en funci\u00f3n del 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 wp-paragraph\">\n<p>En otras palabras, para garantizar el reembolso, las compa\u00f1\u00edas de seguros utilizan la Tabla Fipe.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En la protecci\u00f3n de veh\u00edculos, los pagos est\u00e1n por debajo del valor del mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 class=\"wp-block-heading\">Prima <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00a1Aqu\u00ed tenemos una gran diferencia entre el seguro de autom\u00f3vil y la protecci\u00f3n del veh\u00edculo!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Cualquiera que tenga seguro de autom\u00f3vil y no contacte 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 wp-paragraph\">\n<p>Estos puntos anuales se convierten en descuentos al momento de la renovaci\u00f3n. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pero esto no sucede en la 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 wp-paragraph\">\n<p>Por lo tanto, aunque no existan reclamaciones, el consumidor no obtiene ninguna ventaja al 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 class=\"wp-block-heading\">Cancelaci\u00f3n <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En el seguro de coche, 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 wp-paragraph\">\n<p>Por lo tanto, s\u00f3lo tendr\u00e1s que abonar el importe proporcional al periodo de uso del servicio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Sin embargo, en la protecci\u00f3n de veh\u00edculos los contratos normalmente establecen 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 wp-paragraph\">\n<p>Cuando el contrato se cancela antes del plazo establecido, 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 class=\"wp-block-heading\">Seguro de coche o protecci\u00f3n del veh\u00edculo: \u00bfcu\u00e1l merece 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 decoding=\"async\" loading=\"lazy\" alt=\"Ent\u00e3o, qual a melhor op\u00e7\u00e3o? Fonte: Unsplash.\"  id=\"11854\" src=\"http:\/\/senhorcarros.com\/wp-content\/uploads\/sites\/146\/2021\/11\/photo-1449965408869-eaa3f722e40d.jpg\" 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 wp-paragraph\">\n<p>Entonces, despu\u00e9s de descubrir la diferencia entre el seguro de auto y la protecci\u00f3n del veh\u00edculo, seguramente se estar\u00e1 preguntando:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>\u00bfQu\u00e9 vale m\u00e1s la pena: el seguro del coche o la protecci\u00f3n del veh\u00edculo?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 wp-paragraph\">\n<p>La protecci\u00f3n del veh\u00edculo es una protecci\u00f3n paliativa que f\u00e1cilmente se vuelve ineficaz.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Aunque resulta m\u00e1s econ\u00f3mico, es habitual que los clientes que contratan este tipo de protecci\u00f3n para su coche acaben abandonados a su suerte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Por eso, podemos decir sin lugar a dudas: cuando se trata 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 wp-paragraph\">\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 sea 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 wp-paragraph\">\n<p>Esto garantiza la seguridad para ambas partes en t\u00e9rminos de pago y prestaci\u00f3n de servicios.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Cuando se trata de proteger su veh\u00edculo, la opci\u00f3n ideal es contar con 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 class=\"wp-block-heading\">Seguro de Auto Pier: protecci\u00f3n asequible para usted y su auto <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\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 wp-paragraph\">\n<p>Entonces, ahora que conoce la diferencia entre el seguro de autom\u00f3vil y la protecci\u00f3n del veh\u00edculo, y cu\u00e1l de los dos vale la pena, nuestros expertos contin\u00faan ayud\u00e1ndolo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Pier Seguro Auto es uno de los seguros m\u00e1s funcionales que existen en la actualidad.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Con precios accesibles que se adaptan a tu bolsillo y una amplia gama 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 wp-paragraph\">\n<p>Entonces, \u00a1para obtener m\u00e1s informaci\u00f3n sobre esta opci\u00f3n y descubrir c\u00f3mo registrarse, simplemente haga clic en el enlace a continuaci\u00f3n!&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     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