¿Qué incluye el seguro obligatorio de responsabilidad civil de los vehículos a motor?
Existe un seguro que es obligatorio para todos los vehículos, que es el seguro de responsabilidad civil. Este seguro obligatorio de los vehículos cubre los daños a todos los perjudicados (personas y bienes), menos al conductor culpable y sus daños materiales.
El Seguro Obligatorio del Automóvil de responsabilidad civil (SOA)
El Seguro Obligatorio del Automóvil de responsabilidad civil cubre exclusivamente los daños derivados de accidentes de circulación del conductor del vehículo bajo unas circunstancias muy concretas (reguladas por la Ley y el reglamento). Y ello obliga al seguro a pagar todos los daños, perjuicios, lesiones de todas las personas distintas al conductor, vayan en el mismo vehículo que el conductor culpable, en otro, como peatones, etcétera, mientras el culpable conducía y circulaba con él.
El seguro voluntario de responsabilidad civil
¿Pero qué sucede si el vehículo se incendia en una plaza de parquin sin estar circulando y daña a otros? y ¿qué pasa si el conductor conducía bajo alguna circunstancia exceptuada por las normas que regulan el seguro obligatorio de responsabilidad civil? Pues para eso está la garantía de la responsabilidad civil voluntaria, para cubrir esos siniestros que implican responsabilidad civil del conductor o del propietario del vehículo y que son excepciones del SOA.
¿Y el resto de garantías?
Y a partir de aquí, existen multitud de garantías complementarias como:
- daños propios del vehículo asegurado en lunas y cristales
- daños propios del vehículo asegurado por incendio y/o robo
- daños propios totales del vehículo asegurado (cualquier daño bajo cualquier circunstancia)
- Indemnización por lesiones, invalidez temporal o absoluta o muerte del conductor culpable (seguro de accidentes del conductor)
- Defensa jurídica y reclamación de daños
- Asistencia en viaje
- Recursos de multas
- Retirada de carné
Atención con el Consorcio de Compensación de Seguros
Ya sabéis que si no encontráis a ninguna aseguradora que os quiera asegurar podéis hacerlo en el Consorcio de Compensación de Seguros, pero atención porque el Consorcio de Compensación de Seguros sólo cubre la Responsabilidad Civil Obligatoria y los riesgos extraordinarios, o sea, además del seguro obligatorio del automóvil para los casos de responsabilidad civil derivada de accidentes de circulación, un «todo riesgo» del vehículo sólo para daños en el vehículo cuyo origen sea de riesgos extraordinarios tales como inundaciones, tempestades ciclónicas atípicas, erupciones volcánicas, etcétera.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
¿Cómo funciona el seguro a terceros?
Los seguros «a terceros» habitualmente, pero no siempre, incluyen lo siguiente:
- Seguro Obligatorio del automóvil de responsabilidad civil (el regulado por ley). Esto siempre.
- Seguro de responsabilidad civil voluntaria (el resto de responsabilidad civil no regulada por ley). Esto siempre.
- El «todo riesgo» del Consorcio de Compensación de Seguros de los riesgos extraordinarios. Esto siempre.
- Garantía de defensa jurídica y reclamación de daños. Esto siempre.
- Asistencia en carretera. Esto casi siempre.
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