{"id":3334,"date":"2026-10-22T16:07:52","date_gmt":"2026-10-22T16:07:52","guid":{"rendered":"https:\/\/expertoinsurance.com\/blog\/?p=3334"},"modified":"2026-10-22T18:59:55","modified_gmt":"2026-10-22T18:59:55","slug":"underinsured-motorist","status":"publish","type":"post","link":"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/","title":{"rendered":"Underinsured Motorist: \u00bfQu\u00e9 es y qu\u00e9 cubre?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Underinsured Motorist (UIM)<\/strong> es una cobertura del seguro de auto que <strong>te ayuda a pagar los gastos de un accidente <\/strong>cuando el conductor responsable tiene seguro pero su p\u00f3liza no alcanza a cubrir tus lesiones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por otro lado, <strong>Uninsured Motorist (UM)<\/strong> <strong>te protege cuando el responsable no tiene seguro de auto. <\/strong>Ambas coberturas pueden ayudarte despu\u00e9s de un accidente de choque y fuga (<em>Hit-and-Run<\/em>), seg\u00fan las condiciones de tu p\u00f3liza y las leyes del estado donde ocurri\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vives en Estados Unidos y necesitas una <a href=\"https:\/\/expertoinsurance.com\/aseguranza-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">aseguranza de carro<\/a>, conocer estas coberturas te ayudar\u00e1 a elegir una protecci\u00f3n adecuada.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87_1 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\/underinsured-motorist\/#%C2%BFQue_es_la_cobertura_Underinsured_Motorist\" >\u00bfQu\u00e9 es la cobertura Underinsured Motorist?<\/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\/underinsured-motorist\/#%C2%BFCual_es_la_diferencia_entre_Underinsured_Motorist_y_Uninsured_Motorist\" >\u00bfCu\u00e1l es la diferencia entre Underinsured Motorist y Uninsured Motorist?<\/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\/underinsured-motorist\/#%C2%BFQue_cubre_el_seguro_Underinsured_Motorist\" >\u00bfQu\u00e9 cubre el seguro Underinsured Motorist?<\/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\/underinsured-motorist\/#%C2%BFComo_funciona_Underinsured_Motorist\" >\u00bfC\u00f3mo funciona Underinsured Motorist?<\/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\/underinsured-motorist\/#%C2%BFCuanto_cuesta_contratar_Underinsured_Motorist\" >\u00bfCu\u00e1nto cuesta contratar Underinsured Motorist?<\/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\/underinsured-motorist\/#%C2%BFUnderinsured_Motorist_es_obligatorio_en_Estados_Unidos\" >\u00bfUnderinsured Motorist es obligatorio en Estados Unidos?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#Hit-and-Run_%C2%BFQue_pasa_si_chocan_tu_auto_y_el_otro_conductor_se_da_a_la_fuga\" >Hit-and-Run: \u00bfQu\u00e9 pasa si chocan tu auto y el otro conductor se da a la fuga?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#%C2%BFQue_hacer_si_un_conductor_choca_tu_auto_y_huye\" >\u00bfQu\u00e9 hacer si un conductor choca tu auto y huye?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#Preguntas_frecuentes\" >Preguntas frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#%C2%BFQue_significa_Underinsured_Motorist_en_espanol\" >\u00bfQu\u00e9 significa Underinsured Motorist en espa\u00f1ol?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#%C2%BFMi_seguro_cubre_un_choque_y_fuga_en_Estados_Unidos\" >\u00bfMi seguro cubre un choque y fuga en Estados Unidos?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/expertoinsurance.com\/blog\/underinsured-motorist\/#%C2%BFPuedo_contratar_UMUIM_si_tengo_seguro_medico\" >\u00bfPuedo contratar UM\/UIM si tengo seguro m\u00e9dico?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_cobertura_Underinsured_Motorist\"><\/span><strong>\u00bfQu\u00e9 es la cobertura Underinsured Motorist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura UnderinsuredMotorist<strong> <\/strong>(UIM) tambi\u00e9n <strong>conocida como cobertura contra conductores con seguro insuficiente<\/strong>, protege al asegurado cuando sufre un accidente causado por alguien que s\u00ed tiene seguro de responsabilidad civil, <strong>pero cuya cobertura resulta insuficiente para cubrir las lesiones y los gastos correspondientes.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, si otro conductor te choca en Texas y sus l\u00edmites de responsabilidad civil no son suficientes para cubrir tus gastos m\u00e9dicos, <strong>tu cobertura UIM podr\u00eda ayudarte a recuperar parte de la diferencia bajo las condiciones establecidos en tu p\u00f3liza.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es una protecci\u00f3n importante para conductores hispanos que dependen de su auto para trabajar, trasladar a sus hijos o realizar actividades diarias.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_Underinsured_Motorist_y_Uninsured_Motorist\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre Underinsured Motorist y Uninsured Motorist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aunque suelen contratarse juntas cada una aplica para situaciones distintas:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Cobertura<\/strong><\/td><td><strong>\u00bfC\u00f3mo funciona?<\/strong><\/td><\/tr><tr><td><strong>Underinsured Motorist (UIM)<\/strong><\/td><td>El conductor responsable tiene seguro, pero sus l\u00edmites son insuficientes.<\/td><\/tr><tr><td><strong>Uninsured Motorist (UM)<\/strong><\/td><td>Cuando el conductor responsable no tiene seguro de responsabilidad civil.<\/td><\/tr><tr><td><strong>Uninsured Motorist Property Damage (UMPD)<\/strong><\/td><td>Un conductor sin seguro causa da\u00f1os materiales y la cobertura est\u00e1 disponible y contratada.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Toma en cuenta que UIM y UM no significan que tu aseguradora pagar\u00e1 cualquier reparaci\u00f3n del autom\u00f3vil. En algunos estados, la protecci\u00f3n contra conductores sin seguro se limita a lesiones corporales para reparar el veh\u00edculo podr\u00eda ser necesario contar con cobertura de colisi\u00f3n (Collision Coverage).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_seguro_Underinsured_Motorist\"><\/span><strong>\u00bfQu\u00e9 cubre el seguro Underinsured Motorist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La protecci\u00f3n depende de las coberturas y los l\u00edmites que hayas contratado, as\u00ed como de la legislaci\u00f3n estatal. Entre los gastos que puede ayudar a cubrir una p\u00f3liza UIM son:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gastos m\u00e9dicos:<\/strong> atenci\u00f3n de emergencia, hospitalizaci\u00f3n, tratamientos y rehabilitaci\u00f3n relacionados con el accidente.<\/li>\n\n\n\n<li><strong>P\u00e9rdida de ingresos:<\/strong> salarios que dejes de recibir debido a las lesiones, cuando sean indemnizables conforme a la p\u00f3liza y la legislaci\u00f3n aplicable.<\/li>\n\n\n\n<li><strong>Da\u00f1os por lesiones:<\/strong> otras compensaciones permitidas que pueden incluir dolor.<\/li>\n\n\n\n<li><strong>Lesiones de pasajeros:<\/strong> gastos o indemnizaciones correspondientes a las personas cubiertas por la p\u00f3liza (seg\u00fan t\u00e9rminos).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La cobertura UIM no sustituye todas las dem\u00e1s protecciones del seguro de auto. Por ejemplo, los da\u00f1os a tu veh\u00edculo pueden requerir cobertura de colisi\u00f3n, mientras que los gastos m\u00e9dicos tambi\u00e9n podr\u00edan estar cubiertos, de acuerdo a <em>Medical Payments<\/em> o <em>Personal Injury Protection (PIP)<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de contratar, revisa los l\u00edmites por persona y por accidente, los deducibles aplicables y exclusiones de tu p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_funciona_Underinsured_Motorist\"><\/span><strong>\u00bfC\u00f3mo funciona Underinsured Motorist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando conduces por una carretera de Texas y otro coche provoca un accidente. Tus lesiones y gastos relacionados suman $80,000 USD, pero el seguro de responsabilidad civil del conductor tiene un l\u00edmite de $30,000 USD por persona.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En est\u00e1 situaci\u00f3n, la cobertura del conductor responsable podr\u00eda pagar hasta un l\u00edmite aplicable, ya que tu cobertura UIM podr\u00eda intervenir para cubrir una parte adicional de los da\u00f1os elegibles (en caso que se cumplan las condiciones de la p\u00f3liza).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, <strong>no significa que recibir\u00e1s autom\u00e1ticamente los $50,000 USD restantes<\/strong>. La indemnizaci\u00f3n depender\u00e1 de las reglas estatales, l\u00edmites contratados, valoraci\u00f3n de los da\u00f1os y forma en que se coordinen ambas coberturas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstante, algunos estados aplican reglas que descuentan el pago del seguro del conductor responsable del l\u00edmite UIM. Por eso es importante revisar c\u00f3mo se calcula la indemnizaci\u00f3n antes de presentar o aceptar un acuerdo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_contratar_Underinsured_Motorist\"><\/span><strong>\u00bfCu\u00e1nto cuesta contratar Underinsured Motorist?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El precio de la cobertura UIM depende de la aseguradora, el estado, los l\u00edmites elegidos, el historial del conductor y las caracter\u00edsticas de la p\u00f3liza. En muchos casos, se ofrece junto con UM como una protecci\u00f3n adicional al seguro de auto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No existe una tarifa nacional fija para esta cobertura. Para conocer su costo, solicita una cotizaci\u00f3n y compara el precio total de la p\u00f3liza, los l\u00edmites de responsabilidad civil, las protecciones para lesiones y la cobertura de da\u00f1os materiales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/expertoinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cotiza tu seguro con Experto Insurance<\/a> y encuentra la mejor opci\u00f3n a precios accesibles y sin licencia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFUnderinsured_Motorist_es_obligatorio_en_Estados_Unidos\"><\/span><strong>\u00bfUnderinsured Motorist es obligatorio en Estados Unidos?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No hay una regla \u00fanica para todo el pa\u00eds. <strong>Los requisitos pueden cambiar seg\u00fan el estado, tipo de cobertura y circunstancias de la p\u00f3liza<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En algunos estados, las aseguradoras deben ofrecer UM\/UIM al contratar un seguro de auto, aunque el conductor pueda rechazarla siguiendo el procedimiento legal correspondiente. En otros, las coberturas son opcionales o existen requisitos diferentes para lesiones y da\u00f1os materiales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vives en Texas, California o Arizona, revisa estas diferencias generales:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Caracter\u00edstica<\/strong><\/td><td><strong><a href=\"https:\/\/www.tdi.texas.gov\/tips\/uninsured-motorist-coverage.html\" target=\"_blank\" rel=\"noreferrer noopener\">Texas Department of Insurance<\/a><\/strong><\/td><td><strong><a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/upload\/IG-Auto-Insurance-Updated-020525.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">California Department of Insurance<\/a><\/strong><\/td><td><strong><a href=\"https:\/\/difi.az.gov\/consumer\/automobile-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Arizona Department of Insurance &amp; Financial Institutions<\/a><\/strong><\/td><\/tr><tr><td>Protecci\u00f3n<\/td><td>Lesiones y determinados da\u00f1os materiales causados por conductores sin seguro o con seguro insuficiente.<\/td><td>Lesiones causadas por conductores sin seguro o con seguro insuficiente. Tambi\u00e9n existe UMPD para determinados da\u00f1os al veh\u00edculo.<\/td><td>UM y UIM protegen principalmente contra lesiones corporales causadas por conductores sin seguro o con seguro insuficiente.<\/td><\/tr><tr><td>\u00bfLa aseguradora debe ofrecerla?<\/td><td>S\u00ed, debe ofrecer UM\/UIM y el conductor puede rechazarla por escrito.<\/td><td>S\u00ed, la aseguradora debe ofrecerla y para rechazarla se requiere firmar una exenci\u00f3n.<\/td><td>UM\/UIM son coberturas opcionales que se pueden contratar.<\/td><\/tr><tr><td>L\u00edmites de cobertura<\/td><td>Se pueden elegir distintos l\u00edmites, seg\u00fan la p\u00f3liza.<\/td><td>Los l\u00edmites de UM\/UIM pueden ser iguales o inferiores a los de responsabilidad civil, conforme a las reglas aplicables.<\/td><td>Si contratas UM\/UIM, el m\u00ednimo indicado por el regulador estatal es de $25,000 USD por persona y $50,000 USD por accidente.<\/td><\/tr><tr><td>Gastos m\u00e9dicos<\/td><td>S\u00ed, para lesiones cubiertas y dentro de los l\u00edmites de la p\u00f3liza.<\/td><td>S\u00ed, mediante UMBI\/UIM para lesiones cubiertas.<\/td><td>S\u00ed, para lesiones cubiertas del asegurado y sus pasajeros.<\/td><\/tr><tr><td>Da\u00f1os al auto<\/td><td>Puede cubrirlos mediante UM\/UIM de da\u00f1os materiales, conforme a la p\u00f3liza.<\/td><td>UMPD puede cubrir da\u00f1os causados por un conductor sin seguro si se cumplen los requisitos. El l\u00edmite indicado es de $3,500 USD.<\/td><td>Generalmente necesitas cobertura de colisi\u00f3n para reparar tu propio veh\u00edculo.<\/td><\/tr><tr><td>\u00bfAplica en un choque y fuga?<\/td><td>S\u00ed, si se cumplen los requisitos de la cobertura y del estado.<\/td><td>Puede aplicar UM, sujeto a las condiciones y requisitos correspondientes.<\/td><td>Puede aplicar UM, seg\u00fan las circunstancias y los t\u00e9rminos de la p\u00f3liza.<\/td><\/tr><tr><td>Revisa<\/td><td>El deducible, l\u00edmites y requisitos para reportar el accidente.<\/td><td>La exenci\u00f3n firmada, l\u00edmites y diferencias entre lesiones y da\u00f1os materiales.<\/td><td>Los l\u00edmites contratados y si necesitas cobertura de colisi\u00f3n para reparar tu auto.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Hit-and-Run_%C2%BFQue_pasa_si_chocan_tu_auto_y_el_otro_conductor_se_da_a_la_fuga\"><\/span><strong>Hit-and-Run: \u00bfQu\u00e9 pasa si chocan tu auto y el otro conductor se da a la fuga?<\/strong><strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un accidente Hit-and-Run ocurre cuando un conductor golpea tu veh\u00edculo o provoca un accidente y abandona el lugar sin detenerse para cumplir con sus obligaciones legales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si el responsable huye y no puedes identificarlo, <strong>podr\u00edas presentar una reclamaci\u00f3n bajo la cobertura Uninsured Motorist (UM) de tu p\u00f3liza<\/strong>. Sin embargo, la aceptaci\u00f3n de la reclamaci\u00f3n depende de las leyes estatales y de los requisitos de la cobertura contratada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <a href=\"https:\/\/www.tdi.texas.gov\/blog\/hit-and-run-sp.html\" target=\"_blank\" rel=\"noreferrer noopener\">Departamento de Seguros de Texas<\/a> confirma que la protecci\u00f3n UM\/UIM puede cubrir accidentes causados por conductores que se dan a la fuga. En Texas, debe existir contacto f\u00edsico con el veh\u00edculo sin seguro para que aplique esta protecci\u00f3n en los supuestos correspondientes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_hacer_si_un_conductor_choca_tu_auto_y_huye\"><\/span><strong>\u00bfQu\u00e9 hacer si un conductor choca tu auto y huye?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Busca un lugar seguro.<\/strong> Det\u00e9n el veh\u00edculo si puedes hacerlo sin exponerte a otro accidente y llama al 911 si hay personas lesionadas o una emergencia.<\/li>\n\n\n\n<li><strong>Reporta el accidente a la polic\u00eda.<\/strong> Proporciona la ubicaci\u00f3n, hora e informaci\u00f3n que tengas del otro veh\u00edculo.<\/li>\n\n\n\n<li><strong>Re\u00fane pruebas.<\/strong> Toma fotograf\u00edas de los da\u00f1os, guarda videos de una c\u00e1mara de tablero y busca testigos que puedan aportar informaci\u00f3n.<\/li>\n\n\n\n<li><strong>Contacta a tu aseguradora.<\/strong> Informa lo ocurrido y pregunta si tu p\u00f3liza contempla UM, UIM o cobertura de colisi\u00f3n para el tipo de da\u00f1o que sufriste.<\/li>\n\n\n\n<li><strong>Conserva los documentos.<\/strong> Guarda el reporte policial, facturas m\u00e9dicas, comprobantes de gastos y cualquier comunicaci\u00f3n con la aseguradora.<\/li>\n\n\n\n<li><strong>No repares el veh\u00edculo antes de documentar los da\u00f1os<\/strong>, salvo que sea necesario por seguridad o que tu aseguradora te indique c\u00f3mo proceder.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">No abandones el lugar sin cumplir con las obligaciones que te correspondan y evita perseguir al conductor que huy\u00f3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_significa_Underinsured_Motorist_en_espanol\"><\/span><strong>\u00bfQu\u00e9 significa Underinsured Motorist en espa\u00f1ol?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Underinsured Motorist significa cobertura contra conductores con seguro insuficiente. Es una protecci\u00f3n que puede ayudarte a cubrir determinados da\u00f1os cuando el responsable de un accidente tiene seguro, pero sus l\u00edmites no son suficientes para cubrir las lesiones y p\u00e9rdidas indemnizables.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFMi_seguro_cubre_un_choque_y_fuga_en_Estados_Unidos\"><\/span><strong>\u00bfMi seguro cubre un choque y fuga en Estados Unidos?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Podr\u00eda cubrirlo si tu p\u00f3liza incluye la protecci\u00f3n correspondiente. La cobertura UM puede aplicar cuando el responsable no tiene seguro o no puede identificarse, pero pueden existir requisitos de reporte, evidencia y contacto f\u00edsico, seg\u00fan el estado.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_contratar_UMUIM_si_tengo_seguro_medico\"><\/span><strong>\u00bfPuedo contratar UM\/UIM si tengo seguro m\u00e9dico?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, el seguro m\u00e9dico y la cobertura UM\/UIM cumplen funciones distintas. Tu seguro m\u00e9dico puede cubrir atenci\u00f3n sanitaria conforme a sus condiciones, mientras que UM\/UIM puede ofrecer protecci\u00f3n adicional frente a da\u00f1os indemnizables causados por otro conductor. Revisa c\u00f3mo se coordinan las coberturas antes de contratar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de contratar tu seguro de auto, compara opciones y confirma que tu p\u00f3liza incluya la protecci\u00f3n que necesitas frente a conductores sin seguro, con seguro insuficiente y accidentes de choque y fuga.<\/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-cbcdc57d 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:\/\/expertoinsurance.com\/aseguranza-de-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a1<strong>Cotiza ahora<\/strong>!<\/a><\/div>\n<\/div>\n\n\n<p><script>  const tipoform = \"auto\";<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>Underinsured Motorist (UIM) es una cobertura del seguro de auto que te ayuda a pagar los gastos de un accidente [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":3335,"comment_status":"open","ping_status":"open","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 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