{"id":1522,"date":"2025-06-19T17:03:57","date_gmt":"2025-06-19T17:03:57","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=1522"},"modified":"2025-10-20T18:50:59","modified_gmt":"2025-10-20T18:50:59","slug":"me-chocaron-y-no-tengo-seguro-en-texas","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/","title":{"rendered":"\u00bfQu\u00e9 pasa si me chocaron y no tengo seguro en Texas?"},"content":{"rendered":"\n<p>En Estados Unidos es <strong>obligatorio contar con un seguro<\/strong>, los cargos dependen del Estado en el que se resida.<\/p>\n\n\n\n<p>La ley de <strong>exige que tenga una cobertura de seguro de responsabilidad civil.<\/strong> Si a\u00fan debe dinero en su autom\u00f3vil, su prestamista exigir\u00e1 que usted tenga una cobertura amplia y contra choque (comprehensive and collision, por su nombre en ingl\u00e9s). Existen <strong>ocho coberturas b\u00e1sicas de seguros de autom\u00f3vil<\/strong>. Usted puede elegir si desea comprar otras coberturas, tal vez te encuentres en una situaci\u00f3n como esta<strong> \u00bfMe chocaron y no tengo seguro en Texas?<\/strong> Aqu\u00ed te contamos qu\u00e9 hacer, las consecuencias legales y c\u00f3mo protegerte despu\u00e9s de un accidente sin cobertura. <\/p>\n\n\n\n<p>Contratar un seguro de auto es una <strong>protecci\u00f3n <\/strong>que se contrata a trav\u00e9s de una p\u00f3liza, en caso de cualquier inconveniente relacionado con tu auto, puedes hacer efectivo ese apoyo para no afectar tu patrimonio.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de contenido<\/p>\r\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;\">Toggle<\/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>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#Consecuencias_de_no_contar_con_un_seguro_para_auto\" >Consecuencias de no contar con un seguro para auto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#%C2%BFQue_paso_si_no_tengo_seguro_y_choco\" >\u00bfQu\u00e9 paso si no tengo seguro y choco?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#%C2%BFQue_pasa_si_no_tengo_seguro_y_me_chocan\" >\u00bfQu\u00e9 pasa si no tengo seguro y me chocan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#La_importancia_de_contar_con_un_seguro_de_auto\" >La importancia de contar con un seguro de auto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#Beneficios_de_tener_un_seguro_de_auto\" >Beneficios de tener un seguro de auto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/expertoinsurance.com\/blog\/me-chocaron-y-no-tengo-seguro-en-texas\/#Asesorate_antes_de_tomar_una_decision\" >Ases\u00f3rate antes de tomar una decisi\u00f3n<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consecuencias_de_no_contar_con_un_seguro_para_auto\"><\/span><strong>Consecuencias de no contar con un seguro para auto<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Por ley, <strong>es obligatorio contar con alg\u00fan tipo de seguro que te cubra de cualquier accidente que pueda suceder. <\/strong>No contar con uno puede llegar desde multas de entre 100 y 2000 d\u00f3lares e incluso m\u00e1s, seg\u00fan el Estado donde resida.<\/p>\n\n\n\n<p>Pero no s\u00f3lo se debe pagar una multa, las consecuencias legales tambi\u00e9n pueden ser las siguientes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Suspensi\u00f3n de la matr\u00edcula \/ registro del veh\u00edculo.<\/li>\n\n\n\n<li>Suspensi\u00f3n de la licencia de conducir, hasta 1 a\u00f1o en Nueva York si conduces sin seguro y chocas.<\/li>\n\n\n\n<li>Prisi\u00f3n -hasta 1 a\u00f1o, por ejemplo, en el caso de Michigan-.<\/li>\n\n\n\n<li>Gastos elevados en caso de provocar un accidente.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_paso_si_no_tengo_seguro_y_choco\"><\/span><strong>\u00bfQu\u00e9 paso si no tengo seguro y choco?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Si conduces y sufres de alg\u00fan accidente<\/strong>, seguramente deber\u00e1s pagar los da\u00f1os que se han provocado, incluyendo las facturas de reparaci\u00f3n de carros, da\u00f1os de propiedad, y gastos m\u00e9dicos en caso de lesiones. Todo desde<strong> tu propio bolsillo<\/strong>, sin que lo cubra ning\u00fan tipo de seguro.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_no_tengo_seguro_y_me_chocan\"><\/span><strong>\u00bfQu\u00e9 pasa si no tengo seguro y me chocan?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Si <strong>el otro conductor fue el que tuvo la culpa de provocar el accidente<\/strong>, ser\u00e1 el encargado de cubrir los gastos por da\u00f1os a terceros, materiales o gastos m\u00e9dicos. Sin embargo, <strong>el hecho de conducir y no contar con un<a href=\"https:\/\/expertoinsurance.com\/blog\/cobertura-limitada-del-seguro-de-auto-en-texas\/\" target=\"_blank\" rel=\"noreferrer noopener\"> seguro<\/a> supone una violaci\u00f3n legal <\/strong>que puede derivar en la suspensi\u00f3n de licencia.<\/p>\n\n\n\n<p>Si detienen a una persona indocumentada manejando sin seguro, recibir\u00e1s <strong>multas, sanciones y una posible deportaci\u00f3n.<\/strong><\/p>\n\n\n\n<p>Sin embargo, hay varios Estados que permiten a los indocumentados obtener licencias de conducir, lo cual es el primer paso para poder conseguir un seguro de auto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_importancia_de_contar_con_un_seguro_de_auto\"><\/span><strong>La importancia de contar con un seguro de auto<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tener un seguro de auto es un requisito indispensable para transitar por las calles y evitar alguna consecuencia legal. En caso de que sufras alg\u00fan tipo de siniestro tendr\u00e1s que <strong>pagar grandes multas<\/strong>.<\/p>\n\n\n\n<p><strong>Contar con un buen respaldo vial se ha vuelto indispensable en todo el pa\u00eds.<\/strong> Tener un seguro para auto es primordial a la hora de transitar, pues se convierte en un respaldo econ\u00f3mico y salvaguardas tu patrimonio. Cuidas tu econom\u00eda, tu vida y la de personas que resulten afectadas en un siniestro vial. <\/p>\n\n\n\n<p>Si no tienes un seguro, te dejamos las <strong>principales coberturas <\/strong>que puedes contratar con alguna aseguradora.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cobertura Responsabilidad Civil.<\/li>\n\n\n\n<li>Cobertura de colisi\u00f3n paga la reparaci\u00f3n o el reemplazo de su autom\u00f3vil despu\u00e9s de un accidente.<\/li>\n\n\n\n<li>Cobertura contra todo riesgo.<\/li>\n\n\n\n<li>Cobertura de pagos m\u00e9dicos.<\/li>\n\n\n\n<li>Cobertura de protecci\u00f3n contra lesiones personales.<\/li>\n\n\n\n<li>Cobertura de motorista sin seguro o con seguro insuficiente.<\/li>\n\n\n\n<li>Cobertura de remolque y mano de obra.<\/li>\n\n\n\n<li>Cobertura de reembolso de alquiler.<\/li>\n<\/ul>\n\n\n\n<p>Las coberturas pueden varear de acuerdo al Estado d\u00f3nde se reside y al tipo de necesidades que quieras cubrir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beneficios_de_tener_un_seguro_de_auto\"><\/span><strong>Beneficios de tener un seguro de auto<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La seguridad de tener un auto te brinda la <strong>tranquilidad de salir y saber que est\u00e1s protegido ante cualquier siniestr<\/strong>o vial, en carretera o a la v\u00eda p\u00fablica. Estar respaldado es la mejor inversi\u00f3n que puedes hacer para ti, tu veh\u00edculo y patrimonio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asesorate_antes_de_tomar_una_decision\"><\/span><strong>Ases\u00f3rate antes de tomar una decisi\u00f3n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En <a href=\"https:\/\/www.expertoinsurance.com\/seguro-auto-particular.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">ExpertoInsurace.mx<\/a> te ayudamos a <strong>encontrar la mejor opci\u00f3n para tu auto<\/strong>, sabemos que cuidar tu patrimonio es indispensable. Por ello, cuentas con las mejores opciones para estar prevenido ante cualquier siniestro.<\/p>\n\n\n\n<p>Encuentra el plan perfecto para tu veh\u00edculo, lo \u00fanico que debes hacer es llenar el formulario con tus datos, se har\u00e1 una cotizaci\u00f3n y en minutos uno de nuestros asesores se pondr\u00e1 en contacto contigo para brindarte la atenci\u00f3n que necesitas para encontrar el mejor plan que se adecue a ti, tus necesidades y veh\u00edculo.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-circular\"><a class=\"wp-block-button__link has-white-color has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background wp-element-button\" href=\"https:\/\/www.expertoinsurance.com\/seguro-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a1<strong>Cotiza ahora<\/strong>!<\/a><\/div>\n<\/div>\n\n\n<script>  const tipoform = \"auto\";<\/script>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En Estados Unidos es obligatorio contar con un seguro, los cargos dependen del Estado en el que se resida. La [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":1885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[125],"tags":[],"class_list":["post-1522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-autos"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>\u00bfQu\u00e9 pasa si me chocaron y no tengo seguro en Texas?<\/title>\r\n<meta name=\"description\" content=\"\u00bfMe chocaron y no tengo seguro en Texas? 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