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La Cobertura
Chubb Seguros

Cobertura de Chubb Seguros

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Responsabilidad Civil (Obligatorio)

Esta cobertura le sirve para efectos de su responsabilidad financiera de acuerdo a la ley de México. La cobertura paga por daños materiales y lesiones corporales a terceros que no sean el asegurado y ocupantes del vehículo asegurado, como resultado del uso del vehículo asegurado en una pérdida cubierta.

Los límites de responsabilidad civil disponibles son: USD $50,000, $70,000, $100,000, $200,000, $300,000 y $500,000 Límite Único Combinado.

Daños Materiales (Opcional)

Esta cobertura de seguro protege su vehículo hasta por su Valor Real de Mercado por colisión, volcadura, rotura de vidrios, fuego, relámpago, explosión y muchos desastres naturales y huelgas y alborotos populares. El Valor Real de Mercado está sujeto a los deducibles aplicables. Vea más abajo para mayor información acerca del Valor Real de Mercado. Actos de vandalismo están excluidos a menos que se compre el Paquete Platino.

Los servicio de grúa están cubiertos hasta por U.S. $1,000 (o la cantidad fijada en la póliza) para mover el vehículo al taller mecánico más próximo dentro de la ciudad o estado de la República Mexicana en el que tenga lugar el evento.

Robo Total de su Vehículo (Opcional)

Esta cobertura de seguro protege su vehículo hasta por su Valor Real de Mercado (vea más abajo para mayor información) por robo total del vehículo. El Valor Real de Mercado está sujeto a los deducibles aplicables. Robo parcial (de partes del vehículo) está excluido a menos que se compre el Paquete Platino.

Gastos Médicos para los Ocupantes (Obligatorio)

Esta cobertura paga por gastos médicos para el conductor y los ocupantes del vehículo por daños sufridos en el evento de un daño cubierto. Motocicletas, buggies y ATVs no son elegibles para esta cobertura. Los límites de Gastos Médicos son: USD $2,000 por persona hasta USD $10,000 por accidente, USD $4,000 por persona hasta USD $20,000 por accidente. Límites de USD $10,000 por persona hasta USD $50,000 son ofrecidos con la póliza Platino.

Asistencia Legal y Fianza (Obligatorio en la Mayoría de las Pólizas)

Asistencia legal y fianza en caso de un accidente automovilístico es ofrecido en la mayoría de las pólizas de Chubb Seguros con la excepción de las pólizas de buggy y ATV. En adición, Chubb Seguros ofrece asistencia legal en el caso de sufrir algún tipo de delito, en caso de fallecimiento del asegurado y/o sus pasajeros, en caso de daño en propiedad ajena o lesiones a terceros y en caso de cualquier tipo de accidente.

El prestador pagará una fianza hasta $30,000 USD o su equivalente en pesos, aunque si se requiere, el límite de fianza será el equivalente a la suma asegurada estipulada en la cobertura de responsabilidad civil.

Asistencia Platino:

La Asistencia Platino le proporciona varios servicios las 24 horas del día al viajar por México. El servicio bilingüe incluye asistencia médica y consultas, información turística, anticipo de efectivo y transmisión de mensajes urgentes.

La cobertura de asistencia vial y servicio de grúa es ofrecido debido a una falla mecánica. El límite de grúa es de $1,000 al taller mecánico más próximo dentro de la ciudad o estado de la República Mexicana en el que tenga lugar el evento. Asistencia vial básica incluye los servicios de ponchadura de una llanta, servicio de combustible, de paso de corriente y servicio de cerrajero.Ver detalles de Asistencia Platino.

Póliza Platino:

Chubb Seguros le ofrece cobertura amplia si se compra la Póliza Platino. Estas características incluyen cobertura por robo parcial y vandalismo, deducibles fijos, aumenta los pagos médicos por ocupantes y en caso de automovilistas no asegurados, una exención del deducible y la tarifa de mano de obra de EE.UU. si el vehículo esté reparado en EE.UU. Ver detalles de la Póliza Platino.

Valor Real de Mercado

Para determinar el Valor Real de Mercado (ACV) de su vehículo, encuentre el valor actual del mercado en el Kelley Blue Book o NADA Guides. (Para vehículos modificados o convertidos, favor de comunicarse con nosotros para autorización especial.) Es imperativo que un ACV realista de su vehículo fuera determinado al comprar su póliza de seguro. En caso de pérdida total, Chubb Seguros determinará el valor actual del mercado de su vehículo de acuerdo a las Condiciones de la póliza. El resultado de estar infraasegurado es recibir menos que el valor real del mercado. En el caso de asegurar su vehículo por un monto mayor al valor real, el asegurador tiene el derecho de ajustar el valor real de Mercado para reflejar el valor actual de mercado.

4.7 112 Reviews
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