{"id":886,"date":"2026-05-19T06:00:44","date_gmt":"2026-05-19T06:00:44","guid":{"rendered":"https:\/\/migoseguros.com\/articulos\/?p=886"},"modified":"2026-05-19T21:14:57","modified_gmt":"2026-05-19T21:14:57","slug":"accidentes-automovilisticos-conductor","status":"publish","type":"post","link":"https:\/\/migoseguros.com\/articulos\/accidentes-automovilisticos-conductor\/","title":{"rendered":"\u00bfEn qu\u00e9 consiste la cobertura de accidentes automovil\u00edsticos al conductor?"},"content":{"rendered":"<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfCu\u00e1l es la cobertura de accidentes automovil\u00edsticos para el conductor?<\/span><\/span><\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La cobertura de Accidentes Automovil\u00edsticos al Conductor protege al conductor asegurado en caso de ca\u00edda o p\u00e9rdidas org\u00e1nicas derivadas de un accidente vial.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Esta protecci\u00f3n funciona mediante una <\/span><\/span><\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/suma-asegurada\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">suma asegurada<\/span><\/span><\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> que la compa\u00f1\u00eda entrega como <\/span><\/span><\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/indemnizacion-seguros\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">indemnizaci\u00f3n<\/span><\/span><\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> cuando el conductor sufre lesiones permanentes, p\u00e9rdida de extremidades o muerte a consecuencia de un <\/span><\/span><\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/siniestro-vial\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">siniestro automovil\u00edstico<\/span><\/span><\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> . En caso de fallecimiento, el monto se otorga a los beneficiarios establecidos en la p\u00f3liza.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Actualmente, muchas aseguradoras incluyen este beneficio dentro de sus paquetes de <\/span><\/span><\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/seguros-de-autos-blindados\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">seguro de auto<\/span><\/span><\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> y moto; Sin embargo, las <\/span><\/span><\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/seguro-de-perdida-total\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coberturas<\/span><\/span><\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> y sumas aseguradas pueden variar seg\u00fan el plan contratado. Por ello, es recomendable revisar si esta protecci\u00f3n se encuentra incluida o puede agregarse como cobertura adicional para contar con un respaldo m\u00e1s completo.<\/span><\/span><\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En <\/span><\/span><\/span><\/span><\/span><span dir=\"auto\" style=\"vertical-align: inherit;\"><a href=\"https:\/\/migoseguros.com?utm_source=chatgpt.com\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">migoseguros.com<\/span><\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> puedes comparar diferentes opciones de seguro y revisar qu\u00e9 p\u00f3lizas incluyen cobertura de accidentes automovil\u00edsticos al conductor.<\/span><\/span><\/span><\/span><\/span><\/p>\n<h2 data-section-id=\"93mkj8\" data-start=\"0\" data-end=\"75\"><span dir=\"auto\" style=\"vertical-align: inherit; color: #ff6600;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo funciona la cobertura de accidentes automovil\u00edsticos para el conductor?<\/span><\/span><\/span><\/span><\/h2>\n<p data-start=\"77\" data-end=\"313\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La cobertura de Accidentes Automovil\u00edsticos al Conductor funciona mediante una suma asegurada que la compa\u00f1\u00eda de seguros entrega como indemnizaci\u00f3n cuando el conductor sufre lesiones graves o fallece a consecuencia de un accidente vial.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"315\" data-end=\"361\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Esta protecci\u00f3n suele cubrir situaciones como:<\/span><\/span><\/span><\/span><\/p>\n<ul data-start=\"363\" data-end=\"757\">\n<li data-section-id=\"4m7pio\" data-start=\"363\" data-end=\"557\"><strong data-start=\"365\" data-end=\"390\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Muerte del conductor:<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> La aseguradora entrega una indemnizaci\u00f3n a los beneficiarios designados en la p\u00f3liza para ayudar a cubrir gastos funerarios o brindar respaldo econ\u00f3mico a la familia.<\/span><\/span><\/span><\/span><\/li>\n<li data-section-id=\"dtugu6\" data-start=\"559\" data-end=\"757\"><strong data-start=\"561\" data-end=\"584\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">P\u00e9rdidas org\u00e1nicas:<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> Aplica cuando el conductor sufre la p\u00e9rdida de alguna extremidad o una afectaci\u00f3n f\u00edsica permanente derivada del accidente, lo que puede generar incapacidad o discapacidad.<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p data-start=\"759\" data-end=\"1128\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La importancia de esta cobertura radica en que ofrece apoyo econ\u00f3mico ante situaciones que pueden afectar directamente la estabilidad financiera del asegurado y su familia. Adem\u00e1s, en casos de incapacidad permanente, la indemnizaci\u00f3n puede ayudar a cubrir gastos m\u00e9dicos, personales o incluso la falta de ingresos provocada por la imposibilidad de continuar trabajando.<\/span><\/span><\/p>\n<p data-start=\"759\" data-end=\"1128\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1661\" src=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T130733.821.png\" alt=\"Accidentes Automovil\u00edsticos al Conductor\" width=\"600\" height=\"400\" srcset=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T130733.821.png 600w, https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T130733.821-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p data-start=\"759\" data-end=\"1128\"><a href=\"https:\/\/migoseguros.com\/articulos\/gastos-medicos-ocupantes\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"448\" data-end=\"497\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo funcionan los gastos m\u00e9dicos ocupantes?<\/span><\/span><\/strong> <\/a><\/p>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tabla de indemnizaciones en caso de accidentes automovil\u00edsticos al conductor<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Conforme a las sumas aseguradas contratadas y de acuerdo al tipo de p\u00e9rdida que llegase a presentar el conductor, ya sea por vida o por alg\u00fan miembro de su cuerpo, se deber\u00e1 consultar el porcentaje correspondiente de lo que la aseguradora deber\u00e1 pagar al asegurado oa sus beneficiarios, sea cual sea el caso.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Al contratar un <\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/tipos-de-siniestros\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">seguro de auto<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> con la cobertura de Accidentes Automovil\u00edsticos al Conductor, es importante que consulte las escalas de indemnizaciones que maneja la aseguradora. La Asociaci\u00f3n Mexicana de Instituciones de Seguros (AMIS) menciona que deben existir al menos dos referencias de indemnizaciones que determinan el porcentaje correspondiente a cada p\u00e9rdida.<\/span><\/span><\/span><\/p>\n<h3><span style=\"color: #ff6600;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Algunas de estas son:<\/span><\/span><\/span><\/h3>\n<table class=\"table table-responsive table-striped\">\n<thead>\n<tr>\n<th><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tabla de indemnizaciones<\/span><\/span><\/b><\/span><\/th>\n<th><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">P\u00e9rdida de<\/span><\/span><\/b><\/span><\/th>\n<th><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Porcentaje de suma asegurada<\/span><\/span><\/b><\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Vida<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">100%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Ambas manos o piernas o la vista de ambos ojos.<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">100%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Una mano o un pie<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">50%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Mano, vista, pie<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">100%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Vista de un ojo<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">30%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Pulgar de cualquier mano<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">15%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;A&#8221;<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00cdndice de cualquier mano<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">10%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tres dedos, comprendiendo el pulgar o \u00edndice de una mano.<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">30%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tres dedos que no sean el pulgar o el \u00edndice de una mano.<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">25%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El pulgar y otro dedo que no sea el \u00edndice de una mano<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">25%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El \u00edndice y otro dedo que no sea el pulgar de una mano<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">20%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El pulgar de cualquier mano<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">15%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El \u00edndice de cualquier mano<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">10%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El dedo medio, el anular o el me\u00f1ique<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">5%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Un pie<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">50%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La vista de un ojo<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">30%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Amputaci\u00f3n parcial de un pie, comprendiendo todos los dedos.<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">30%<\/span><\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Sordera completa de los oidos<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">25%<\/span><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">&#8220;B&#8221;<\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Acortamiento de un miembro inferior, por lo menos de 5 cm.\u00a0<\/span><\/span><\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">15%<\/span><\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Importancia de contratar una cobertura de accidentes automovil\u00edsticos al conductor<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La p\u00e9rdida total o parcial de alguna extremidad, as\u00ed como las lesiones permanentes derivadas de un accidente vial, pueden afectar la vida personal, laboral y econ\u00f3mica del conductor, dificultando que pueda retomar sus actividades cotidianas con normalidad.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">De acuerdo con datos del Instituto Nacional de Estad\u00edstica y Geograf\u00eda (INEGI), en M\u00e9xico se registran millas de accidentes de tr\u00e1nsito cada a\u00f1o, muchos de ellos con consecuencias f\u00edsicas permanentes para los involucrados. Por ello, contar con una cobertura de accidentes automovil\u00edsticos para el conductor puede representar un respaldo econ\u00f3mico importante ante situaciones inesperadas.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Adem\u00e1s de ofrecer indemnizaciones por fallecimiento o p\u00e9rdidas org\u00e1nicas, muchas p\u00f3lizas de seguro tambi\u00e9n incluyen otras protecciones complementarias como:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/migoseguros.com\/articulos\/gastos-medicos-ocupantes\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Gastos m\u00e9dicos<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> : <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">cobertura de atenci\u00f3n de hospitalizaci\u00f3n, medicamentos, estudios y m\u00e9dica derivada del accidente.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/migoseguros.com\/articulos\/cobertura-total\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Robo total<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> : <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">indemnizaci\u00f3n en caso de robo del veh\u00edculo asegurado.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/migoseguros.com\/articulos\/danos-materiales\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Da\u00f1os materiales<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> : <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">respaldo econ\u00f3mico por da\u00f1os o p\u00e9rdida total del autom\u00f3vil.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/migoseguros.com\/articulos\/asistencia-vial\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asistencia vial<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> : <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">servicios como gr\u00faa, paso de corriente, env\u00edo de gasolina o cambio de llanta.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><a href=\"https:\/\/migoseguros.com\/articulos\/asistencia-legal\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asistencia legal<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> : <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">apoyo jur\u00eddico y orientaci\u00f3n ante autoridades despu\u00e9s de un accidente.<\/span><\/span><\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfD\u00f3nde contratar seguros de auto con cobertura de accidentes automovil\u00edsticos al conductor?<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Actualmente, diversas <\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/autocompara\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">aseguradoras<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> en M\u00e9xico ofrecen seguros de auto que incluyen cobertura de accidentes automovil\u00edsticos al conductor, ya sea dentro de sus paquetes principales o como protecci\u00f3n adicional. Sin embargo, las sumas aseguradas, indemnizaciones y condiciones pueden variar dependiendo de cada compa\u00f1\u00eda y del plan contratado.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Por ello, antes de elegir una <\/span><\/span><a href=\"https:\/\/migoseguros.com\/articulos\/endoso-de-seguros\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">p\u00f3liza de autom\u00f3vil<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> , es importante revisar las coberturas incluidas, los l\u00edmites de indemnizaci\u00f3n y las exclusiones establecidas en las condiciones generales del seguro.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Algunas aseguradoras que cuentan con este tipo de protecci\u00f3n son:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">AXA Seguros<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">ABA Chubb<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Seguros Sura<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Seguros Atlas<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Migo Seguros<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Cu\u00e1litas<\/span><\/span><\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfCu\u00e1ndo aplica la cobertura de accidentes automovil\u00edsticos al conductor?<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La cobertura de Accidentes Automovil\u00edsticos al Conductor se aplica cuando el asegurado sufre lesiones permanentes o falla como consecuencia de un accidente vial mientras conduce el veh\u00edculo asegurado. Sin embargo, para que proceda la indemnizaci\u00f3n, las aseguradoras establecen ciertos requisitos y exclusiones que deben cumplir.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Entre los requisitos m\u00e1s comunes se encuentran:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tener entre 16 y 69 a\u00f1os de edad.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Contar con licencia o permiso de conducir vigente y correspondiente al tipo de veh\u00edculo.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Que el accidente ocurra durante la vigencia de la p\u00f3liza.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asimismo, las compa\u00f1\u00edas de seguros suelen establecer exclusiones en las que esta cobertura no aplica, entre ellas:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Lesiones o ca\u00edda de conductores de motocicletas, cuando la p\u00f3liza no contempla este tipo de veh\u00edculo.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Accidentes ocurridos durante pruebas de velocidad, resistencia o competencias.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Lesiones derivadas de actos de guerra, rebeli\u00f3n, ri\u00f1as o actividades delictivas.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Da\u00f1os ocasionados por intento de suicidio, mutilaci\u00f3n voluntaria o actos intencionales.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Accidentes cuando el veh\u00edculo sea utilizado sin autorizaci\u00f3n del asegurado.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Gastos m\u00e9dicos, hospitalarios, funerarios o de ambulancia, cuando no se cuente con coberturas espec\u00edficas para ello.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Debido a que las condiciones pueden variar seg\u00fan cada aseguradora, es importante revisar detalladamente las exclusiones y coberturas incluidas en la p\u00f3liza antes de contratar un seguro. Adem\u00e1s, si busca respaldo para hospitalizaci\u00f3n y atenci\u00f3n m\u00e9dica, es recomendable verificar que el plan incluya cobertura de gastos m\u00e9dicos ocupantes o gastos m\u00e9dicos al conductor.<\/span><\/span><\/span><\/p>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo reclamar la indemnizaci\u00f3n de la cobertura de accidentes automovil\u00edsticos al conductor?<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Para solicitar la indemnizaci\u00f3n de la cobertura de Accidentes Automovil\u00edsticos al conductor, es necesario seguir el procedimiento indicado por la aseguradora y presentar la documentaci\u00f3n que compruebe las lesiones o p\u00e9rdidas derivadas del accidente vial.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Generalmente, el proceso consiste en lo siguiente:<\/span><\/span><\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Reportar el accidente a la aseguradora: <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El asegurado o los beneficiarios deben notificar el siniestro lo antes posible. Dependiendo de la compa\u00f1\u00eda, el plazo para realizar el reporte puede variar y, en algunos casos, ser de hasta 5 d\u00edas posteriores al accidente.<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Presentar la documentaci\u00f3n requerida: <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">la aseguradora solicitar\u00e1 formatos y documentos m\u00e9dicos que acrediten las lesiones, incapacidad o p\u00e9rdidas org\u00e1nicas ocasionadas por el accidente. Entre ellos pueden incluirse informes m\u00e9dicos, estudios cl\u00ednicos, certificados y dict\u00e1menes del m\u00e9dico tratante.<\/span><\/span><\/span><\/li>\n<\/ol>\n<p><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Evaluaci\u00f3n del caso: <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Una vez entregadas las pruebas, la compa\u00f1\u00eda analizar\u00e1 la informaci\u00f3n para determinar si la indemnizaci\u00f3n procede conforme a las condiciones y exclusiones establecidas en la p\u00f3liza.<\/span><\/span><\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1662\" src=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T131127.623.png\" alt=\"Accidentes Automovil\u00edsticos al Conductor\" width=\"600\" height=\"400\" srcset=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T131127.623.png 600w, https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2021\/12\/mapfre-puebla-2026-05-19T131127.623-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><a href=\"https:\/\/migoseguros.com\/articulos\/indemnizacion-de-seguro\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"2730\" data-end=\"2769\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfQu\u00e9 es la indemnizaci\u00f3n de seguro?<\/span><\/span><\/strong> <\/a><\/p>\n<h2><span style=\"color: #ff6600;\"><b><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Cotiza seguros de auto y protege tu patrimonio.<\/span><\/span><\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Contar con una cobertura de accidentes automovil\u00edsticos para el conductor puede ayudarle a proteger su estabilidad econ\u00f3mica y la de su familia ante un accidente vial. Por ello, antes de contratar un seguro, es importante comparar las coberturas, sumas aseguradas y beneficios que ofrece cada compa\u00f1\u00eda.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En el caso de <\/span><\/span><\/span><span dir=\"auto\" style=\"vertical-align: inherit;\"><a href=\"http:\/\/migoseguros.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">migoseguros.com<\/span><\/span><\/a><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> , esta protecci\u00f3n puede encontrarse tanto en seguros de auto tradicionales como en algunos seguros ERT, dependiendo del plan contratado.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asimismo, la plataforma trabaja con aseguradoras registradas ante la Comisi\u00f3n Nacional de Seguros y Fianzas ( <\/span><\/span><a href=\"https:\/\/www.gob.mx\/cnsf\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">CNSF<\/span><\/span><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> ), entre las que se encuentran:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Cu\u00e1litas<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El Potos\u00ed<\/span><\/span><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">General de Seguros<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Antes de elegir una p\u00f3liza, compara cuidadosamente las coberturas y revisa las condiciones generales para encontrar la opci\u00f3n que mejor se adapta a tus necesidades de protecci\u00f3n.<\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><a style=\"display: inline-block; padding: 14px 28px; font-size: 16px; font-weight: 600; color: #fff; text-decoration: none; border-radius: 30px; background: linear-gradient(90deg, #ff6a00 0%, #ff2d55 100%); box-shadow: 0 4px 15px rgba(255, 90, 0, 0.4); transition: all 0.3s ease;\" href=\"http:\/\/migoseguros.com\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Cotizar seguro ahora<\/span><\/span><br \/>\n<\/a><\/p>\n<style>\na:hover {<br \/>    transform: translateY(-2px);<br \/>    box-shadow: 0 6px 20px rgba(255, 90, 0, 0.6);<br \/>}<br \/><\/style>\n<h3><span style=\"color: #ff8000;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Preguntas frecuentes\u00a0<\/span><\/span><\/span><\/h3>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfLa cobertura de accidentes automovil\u00edsticos al conductor es obligatoria?<\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">No siempre es obligatorio. Esta cobertura puede venir incluida en algunos paquetes de seguro o contratarse como protecci\u00f3n adicional, dependiendo de la aseguradora y del tipo de p\u00f3liza.<\/span><\/span><\/p>\n<\/details>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfEsta cobertura paga gastos m\u00e9dicos del conductor?<\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">No necesariamente. La cobertura de accidentes automovil\u00edsticos al conductor suele centrarse en indemnizaciones por ca\u00edda o p\u00e9rdidas org\u00e1nicas. Para atenci\u00f3n m\u00e9dica, hospitalizaci\u00f3n o ambulancia, es importante revisar si la p\u00f3liza incluye gastos m\u00e9dicos ocupantes.<\/span><\/span><\/p>\n<\/details>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfQui\u00e9n recibe la indemnizaci\u00f3n si el conductor falla?<\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La indemnizaci\u00f3n se entrega a los beneficiarios designados en la p\u00f3liza. Por eso es importante mantener actualizada esta informaci\u00f3n al contratar o renovar el seguro.<\/span><\/span><\/span><\/span><\/p>\n<\/details>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfLa cobertura aplica si otra persona conduce mi auto?<\/span><\/span><\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Depende de las condiciones de la p\u00f3liza. Algunas aseguradoras pueden cubrir al conductor autorizado, mientras que otras limitan la protecci\u00f3n al asegurado registrado. Antes de contratar, conviene revisar esta condici\u00f3n.<\/span><\/span><\/span><\/span><\/p>\n<\/details>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfQu\u00e9 pasa si el accidente ocurre fuera de mi ciudad?<\/span><\/span><\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">La cobertura puede aplicarse siempre que el accidente ocurra dentro del territorio se\u00f1alado en la p\u00f3liza y se cumplan los requisitos establecidos por la aseguradora, como licencia vigente y reporte oportuno del siniestro.<\/span><\/span><\/span><\/span><\/p>\n<\/details>\n<details style=\"margin-bottom: 10px; background: #fff4e6; border-radius: 8px; padding: 12px; border: 1px solid #ffb366;\">\n<summary style=\"cursor: pointer; font-weight: bold; color: #d9480f;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfConviene contratar esta cobertura si ya tengo seguro amplio?<\/span><\/span><\/span><\/span><\/summary>\n<p style=\"margin-top: 10px; color: #5a2e00; line-height: 1.6;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">S\u00ed conviene revisarla, porque no todos los seguros amplios ofrecen las mismas sumas aseguradas o condiciones. Esta cobertura puede complementar la protecci\u00f3n del veh\u00edculo con respaldo econ\u00f3mico directo para el conductor y su familia.<\/span><\/span><\/span><\/span><\/p>\n<\/details>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfCu\u00e1l es la cobertura de accidentes automovil\u00edsticos para el conductor? La cobertura de Accidentes Automovil\u00edsticos al Conductor protege al conductor asegurado en caso de ca\u00edda o p\u00e9rdidas org\u00e1nicas derivadas de un accidente vial. Esta protecci\u00f3n funciona mediante una suma asegurada que la compa\u00f1\u00eda entrega como indemnizaci\u00f3n cuando el conductor sufre lesiones permanentes, p\u00e9rdida de extremidades [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cobertura de accidentes automovil\u00edsticos al conductor:<\/title>\n<meta name=\"description\" content=\"Conoce qu\u00e9 es la Cobertura de Accidentes Automovil\u00edsticos al Conductor, c\u00f3mo funciona, qu\u00e9 indemnizaciones ofrece y cu\u00e1les son sus beneficios\" \/>\n<meta name=\"robots\" content=\"index, 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