{"id":26489,"date":"2020-04-20T15:26:38","date_gmt":"2020-04-20T15:26:38","guid":{"rendered":"http:\/\/lyt.sgk.temporary.site\/website_43b73e82\/politica-basica-vs-politica-estandar\/"},"modified":"2026-02-06T02:03:31","modified_gmt":"2026-02-06T02:03:31","slug":"politica-basica-vs-politica-estandar","status":"publish","type":"post","link":"http:\/\/ghabourlaw.com\/es\/politica-basica-vs-politica-estandar\/","title":{"rendered":"Pol\u00edtica b\u00e1sica vs. pol\u00edtica est\u00e1ndar"},"content":{"rendered":"

Una p\u00f3liza b\u00e1sica es muy limitada y ofrece solo la cobertura m\u00ednima que exige la ley de Nueva Jersey. Incluye un l\u00edmite de $15,000.00 en protecci\u00f3n contra lesiones personales<\/a>, lo que significa que, si sufre un accidente, su compa\u00f1\u00eda de seguros solo est\u00e1 obligada a pagar hasta $15,000.00 por sus facturas m\u00e9dicas. Hay excepciones; sin embargo, la mayor\u00eda de las veces, su compa\u00f1\u00eda de seguros pagar\u00e1 $15,000.00. Si sufre un accidente que requiere tratamiento m\u00e9dico necesario en un hospital de agudos o un centro de traumatolog\u00eda, el l\u00edmite de su p\u00f3liza podr\u00eda aumentar a $250,000.00 para cubrir los costos incurridos, pero estos son para los casos m\u00e1s graves. Si sufre lesiones en un accidente, la mayor\u00eda de las veces, una p\u00f3liza b\u00e1sica no cubre las costosas facturas hospitalarias o m\u00e9dicas. Usted podr\u00eda ser responsable de las facturas m\u00e9dicas pendientes, lo que puede causarle dificultades financieras.<\/p>\n

La p\u00f3liza m\u00e1s com\u00fan es la P\u00f3liza Est\u00e1ndar, cuyo l\u00edmite para protecci\u00f3n contra lesiones personales puede ser desde $15,000.00 hasta $250,000.00. Puede elegir las opciones de cobertura de esta p\u00f3liza, como responsabilidad civil por lesiones corporales, responsabilidad civil por da\u00f1os a la propiedad, protecci\u00f3n contra lesiones personales, cobertura integral, colisi\u00f3n, cobertura contra conductores con seguro insuficiente o sin seguro, y agregar el Paquete de Cobertura PIP Adicional para cobertura adicional, como servicios esenciales (cuidado del c\u00e9sped, lavander\u00eda, limpieza, etc.), continuaci\u00f3n de ingresos, beneficio por fallecimiento o gastos funerarios a su p\u00f3liza en caso de accidente. Es importante considerar todos sus bienes y el tipo de seguro que necesitar\u00e1 al seleccionar un seguro. Si alguna vez sufre un accidente, se recomienda tener un l\u00edmite de p\u00f3liza m\u00e1s alto y protecciones adicionales para protegerse de p\u00e9rdidas y dificultades financieras, as\u00ed como para proteger sus bienes de litigios. Si desea m\u00e1s informaci\u00f3n sobre seguros de auto, haga clic aqu\u00ed<\/a>.<\/p>\n

Si estuvo involucrado en un accidente, \u00a1comun\u00edquese<\/a> hoy con Joseph M. Ghabour & Associates, LLC para analizar su caso! <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Una p\u00f3liza b\u00e1sica es muy limitada y ofrece solo la cobertura m\u00ednima que exige la ley de Nueva Jersey. Incluye un l\u00edmite de $15,000.00 en protecci\u00f3n contra lesiones personales, lo que significa que, si sufre un accidente, su compa\u00f1\u00eda de seguros solo est\u00e1 obligada a pagar hasta $15,000.00 por sus facturas m\u00e9dicas. Hay excepciones; sin […]<\/p>\n","protected":false},"author":1,"featured_media":26990,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[268],"tags":[389,279,278,474,475,291,356],"class_list":["post-26489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-abogado-de-lesiones-personales-en-nueva-jersey","tag-accidente-automovilistico","tag-lesiones-personales","tag-politica-basica","tag-politica-estandar","tag-poliza-de-seguro-de-automovil","tag-seguro-de-auto"],"acf":[],"aioseo_notices":[],"yoast_head":"\nPol\u00edtica b\u00e1sica vs. pol\u00edtica est\u00e1ndar | Joseph M. 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