Tipos de accidentes para los seguros según el importe
Existen tres tipos de accidentes: los leves, cuya valoración en daños o pérdidas será de menos de 3.000 €; los graves, cuyo importe va de 3.000 € a 30.000 €; y los muy graves, cuyo importe de daños y pérdidas es superior a los 30.000 €.
Cuando tienes un accidente en tu casa, o con tu coche, o caminando por la vía pública, etcétera y hay un seguro que debe pagarte una prestación, independientemente que se trate de un accidente leve, grave o muy grave, lo que normalmente hace la gente de «buena fe» es llamar para dar el parte de accidentes y realizar la reclamación seguro con la esperanza de que le resolverán su problema a la perfección, pero hay que tener en cuenta una serie de cosas.
A tener en cuanta cuando debes reclamar al seguro
- A la aseguradora no le gusta pagar accidentes. Un accidente es un gasto, por lo que ese accidente les reduce su beneficio.
- Las buenas aseguradoras pagan, pero las malas miran de hacer las mil artimañas para pagar poco o no pagar nada.
- Mucha atención con la información que das al realizar reclamaciones seguros malos, ya que depende de lo que les digas lo utilizarán con mala fe y en tu contra para evitar pagarte.
- Si se trata de siniestros graves o muy graves, te recomendamos que acudas con algún gestor de accidentes o perito de seguros muy experto y con garantías, para que sea alguno de ellos quienes se ocupen de tu caso. Deja que sean ellos los que den el parte de siniestros a la hora de reclamar al seguro. Sabrán qué decir, cuándo y cómo decirlo. La cuestión es ser muy precavido con la declaración y la información que das. Una declaración inadecuada por tu parte puede hacer que no cobres nada o tengas muchísimos problemas a la hora de cobrar. Insistimos: aunque te cueste una parte de tu indemnización, acude a un experto. Jamás sabrás si estas delante de una mala o buena aseguradora, por lo que toda precaución es poca.
- En esta fase de declaración no hace falta acudir con ningún abogado. No te servirá de nada y te costará dinero. Ya será el perito de seguros o el gestor de accidentes el que te dirá si hace falta el abogado y cuándo lo necesitas.
- Cuando se trata de siniestros muy graves es una auténtica temeridad dar parte y reclamar al seguro sin que te asista un profesional muy experimentado. Ten la certeza de que si tu aseguradora es de las malas, cobrarás mucho menos de lo que toca o no cobrarás nada.
- Si tienes un mediador, y éste es un agente de seguros, ten cautela. Acude directamente al gestor o al perito sin pasar por él. Si se trata de un corredor de seguros, puedes estar algo más tranquilo, ya que suelen ser más profesionales. Nuestra recomendación es acudir directamente a gestores de accidentes independientes de aseguradoras o con peritos de seguros.
- En cuanto a los accidentes leves puedes tener la «relativa tranquilidad» que las cosas saldrán razonablemente bien. Si estás en manos de una buena aseguradora no debería haber problemas. Si estás en manos de una mala aseguradora sufrirás sus talleres, operarios, peritos o tramitadores.
El parte de accidentes
En los accidentes leves (menos 3.000 €) puedes llamar tranquilamente al seguro. Ya sabes que siempre es mejor buscar operarios o talleres de tu zona y de confianza antes que los del seguro, que son una auténtica lotería y pueden irte muy bien o fatal. Lo mismo pasa con los talleres concertados que te pueden reparar el coche muy mal. Hacer auténticas chapuzas. Los profesionales del seguro son como la ruleta rusa. Algunos disparos pueden «volarte la cabeza».
En accidentes graves o muy graves debes buscar un gestor de accidentes o perito de seguros experimentado.
Evita dar partes telefónicos. Si llamas exige que te den un correo electrónico para mandarles la declaración de accidente por escrito. Piensa que en caso de reclamación necesitarás una prueba de cuando diste el parte de accidentes, y con el correo electrónico tienes una prueba que lo acredita. Por teléfono «las palabras se las lleva el viento».
En los casos de accidentes de coche y que tengas un parte amistoso de accidente, quédate siempre con tu copia. Es de vital importancia que no entregues a la aseguradora el original ya que en caso que tengas problemas lo necesitarás. Muchas aseguradoras malas no te devuelven nada cuando lo necesitas. Piensa que el seguro es un negocio para ganar dinero, no para hacerte feliz, ni protegerte ni otros eslóganes publicitarios que sirven para sensibilizar a la gente y vender sus productos.
Hi,
Would you like a free, well-written SEO-optimized article tailored to your niche that’s worth $350? It’s designed to rank high on Google quickly. In exchange, all I ask is a backlink to my client’s site.
Reply «Y.E.S» if interested, and I’ll send more details!
Thanks!
882784 658991Truly fighter messages are supposed to amuse offer praise into the groom and bride. Initial time audio system watching over the top places need to also remember you see, the senior guideline of the speaking, which is your specific person. finest man speeches brother 372258
52398 612139Taylor Lautner By the way you might want to have a look at this cool website I found 943200
782721 645113Enjoyed examining this, very excellent stuff, thanks . 691041
791327 56816But wanna say that this really is very valuable , Thanks for taking your time to write this. 156433
530784 702774I believe other web site proprietors ought to take this internet internet site as an example , really clean and wonderful user genial style . 104114
172011 881084I truly treasure your piece of function, Great post. CHECK ME OUT BY CLICKING MY NAME!!! 194437
29983 493648Right after examine a couple of with the weblog posts on your internet web site now, and I genuinely like your manner of blogging. I bookmarked it to my bookmark site record and will probably be checking back soon. Pls take a look at my internet page as effectively and let me know what you believe. 284379
937910 222798really nice put up, i certainly adore this internet website, maintain on it 628526
Thank you for your sharing. I am worried that I lack creative ideas. It is your article that makes me full of hope. Thank you. But, I have a question, can you help me?
Hey there, hope everything’s going well with you~
I was just going through your website, and would it be correct to assume that you are classified as self-employed?
As a self-employed American, I just wanted to let you know that you may be eligible for up to $32,220 through the IRS’s Self-Employed Tax Credit program:
irs.gov/newsroom/tax-credits-for-paid-leave-under-the-american-rescue-plan-act-of-2021-specific-provisions-related-to-self-employed-individuals
If you want, you can easily check your estimated refund amount for the SETC program: setcreliefconsultants.com
BTW,if you do decide that this is for you, please know that our process is designed with your security in mind.
We get paid only if we’ve successfully secured your funds, ensuring an entirely risk-free experience for our clients.
Hoping to hear from you.
Best regards,
Caleb Davis
SETC Relief Consultants
+1 619 798 8260
To stop receiving marketing messages, reply “Stop” in the subject line for your website: claimcenter.com
723179 343504Excellent blog here! In addition your web web site rather a whole lot up fast! What host are you making use of? Can I get your affiliate hyperlink for your host? I wish my site loaded up as fast as yours lol. 101347
672985 160784You recognize, many persons are hunting around for this information, you could aid them greatly. 674731
423375 807294As I web site possessor I believe the content material here is genuinely excellent , regards for your efforts. 94531
867922 371719I truly prize your piece of work, Excellent post. 903858
55861 396222Hi! Do you know if they make any plugins to safeguard against hackers? Im kinda paranoid about losing everything Ive worked hard on. Any guidelines? 991999
732088 253644Youre so cool! I dont suppose Ive learn something like this before. So good to search out any person with some distinctive thoughts on this subject. realy thank you for starting this up. this web internet site is 1 thing thats required on the net, someone with a bit of originality. useful job for bringing something new to the internet! 230337
866841 809892Youre so cool! I dont suppose Ive read anything like this before. So good to uncover somebody with some original thoughts on this topic. realy thank you for starting this up. this site is something that is necessary on the internet, someone with a little originality. helpful job for bringing something new towards the internet! 836964
288177 938350Music started playing anytime I opened this web internet site, so annoying! 359435
887677 521541What web host are you using? Can I am getting affiliate link to your host? I want site loaded up as quickly as yours lol 33141
866974 519070Intersting post and internet site. Great that Google listed so i was able to get here. This website will go no in my bookmarks from now. 642566
Hi,
I just check through your this website claimcenter.com’s contact us form and found that your form security is compromized. I believe you may have got massive spam by now. I am a freelance website developer. I can help you to secure it to stop others from spamming it.
This message is not a spam, I manually filling up this form, not bot. Please be kind with your reply though, I am a real hardworking dude that just offering my time and service only.
If you are not a decision maker, appreciate if you can forward this email to your immediate supervisor.
Thank you,
Lester
601864 482451Low cost Gucci Handbags Is normally blogengine a lot better than wp for reasons unknown? Really should be which is turning out to be popluar today. 9550
You’ve never heard of me. Hi, I’m Daniel. I got your website from top secret servers using a biorythmic metaspyder with a 100GB nutro-plasmic VPN that I….
Ok, I got it by just googling you.
Let me get right down to it…
I don’t know if this is a problem you have, but I GROW companies like yours by assisting them in acquiring their competitors or other complimentary businesses so that they do not have to do any additional marketing, getting new employees, or increasing time and energy input.
I work with a team of acquisition experts who are all better than me, and they take care of the whole business acquisition process even up to funding. You do not have to lift a finger.
I’m not sure if this is a problem you have, and if it’s not, that’s totally cool.
If it is, here’s how our CEO explains the process. https://youtu.be/2020DY5EPH0
If you are even slightly curious about what our CEO is offering, I promise to be somewhat useful and give you some ideas you’re free to steal. If you play your cards right, I might even tell you the lamest joke I know if you book a call here: https://www.nationaldiversified.org/calendar
Finally, it’s time to release my favorite weapon. A picture of Rufus the cat nervously anticipating a response… (Don’t lie, you are looking for the Cat…LOL)
I await your deservedly annoyed response.
Have a more than tolerable day!
Daniel Udezi, MD, MBA.
Nattionaldiversified[.]com
Team 3500 Businesses Bought / Feeding 200 Kids Monthly / Below Average Runner
419801 907199Its outstanding as your other posts : D, regards for posting . 10390
269629 243869I conceive this web internet site holds some real superb details for every person : D. 730313
Hi,
I am a hacker, and I have successfully gained access to your operating system.
I also have full access to your account.
I’ve been watching you for a few months now.
The fact is that your computer has been infected with malware through an adult site that you visited.
If you are not familiar with this, I will explain.
Trojan Virus gives me full access and control over a computer or other device.
This means that I can see everything on your screen, turn on the camera and microphone, but you do not know about it.
I also have access to all your contacts and all your correspondence.
Why did your antivirus not detect malware?
Answer: The malware I used is driver-based, I update its signatures every 4 hours. Hence your antivirus is unable to detect its presence.
I made a video showing how you satisfy yourself in the left half of the screen, and the right half shows the video you were watching at the time.
With one mouse click, I can send this video to all your emails and contacts on your social networks.
I can also make public all your e-mail correspondence and chat history on the messengers that you use.
If you don’t want this to happen, transfer $1000 dollars in Bitcoin equivalent to my Bitcoin address (if you do not know how to do this, just search «buy bitcoin» on Google).
My Bitcoin address (BTC Wallet) is: bc1q53vq46fwmdm8l9kl4q2d4vy2mdeu476jvm8f5q
After confirming your payment, I will delete the video immediately, and that’s it. You will never hear from me again.
I will give you 50 hours (more than 2 days) to pay. I will get a notice, when you open this email, and the timer will start.
Filing a complaint somewhere does not make sense because this email cannot be tracked like my Bitcoin address.
I never make any mistakes.
If I find that you have shared this message with someone else, the video will be immediately distributed.
Best regards!
981590 224198You should join in a tournament initial of the greatest blogs on the internet. I will recommend this web website! 12415
10535 213118Cpr KIts extremely fantastic read you know alot about this subject i see! 991298