{"id":227,"date":"2013-11-19T19:41:37","date_gmt":"2013-11-19T19:41:37","guid":{"rendered":"http:\/\/www.fmabogados.com\/tenerife\/?p=227"},"modified":"2015-03-09T08:47:52","modified_gmt":"2015-03-09T08:47:52","slug":"seguros_a_terceros","status":"publish","type":"post","link":"https:\/\/www.fmabogados.com\/tenerife\/seguros_a_terceros\/","title":{"rendered":"Seguros a terceros"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"228\" data-permalink=\"https:\/\/www.fmabogados.com\/tenerife\/seguros_a_terceros\/seguros_a_terceros\/\" data-orig-file=\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg?fit=225%2C225&amp;ssl=1\" data-orig-size=\"225,225\" data-comments-opened=\"0\" data-image-title=\"Seguros_a_terceros\" data-image-description=\"&lt;p&gt;Los seguros a terceros no cubren siempre a su ocupante.&lt;\/p&gt;\n\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg?fit=225%2C225&amp;ssl=1\" class=\"alignleft size-full wp-image-228\" style=\"margin: 8px;\" src=\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg?resize=225%2C225\" alt=\"En FM Abogados Tenerife le explicamos en qu\u00e9 consiste el seguro a terceros\" width=\"225\" height=\"225\" srcset=\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg?w=225&amp;ssl=1 225w, https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2013\/11\/Seguros_a_terceros.jpg?resize=150%2C150&amp;ssl=1 150w\" sizes=\"(max-width: 225px) 100vw, 225px\" \/><\/a>En FM <strong>Abogados Tenerife<\/strong>, nos hemos encontrado en varias y numerosas ocasiones que algunos t\u00e9rminos relacionados con el <strong>seguro<\/strong> del veh\u00edculo, se presta a confusi\u00f3n o error de interpretaci\u00f3n por parte del asegurado. Tal es el caso de la expresi\u00f3n \u201c<strong>seguros a terceros<\/strong>\u201d. Cuando el cliente nos traslada su preocupaci\u00f3n, porque al ocupante de su veh\u00edculo, tras tener un <strong>accidente de tr\u00e1fico<\/strong>, la aseguradora no le presta asistencia m\u00e9dica a \u00e9ste, es decir, no le remite a centro de rehabilitaci\u00f3n y no cubre consultas con especialistas m\u00e9dicos como traumat\u00f3logos o neur\u00f3logos, el cliente preocupado nos manifiesta.- \u201cPero si yo tengo una p\u00f3liza de <strong>seguro a terceros<\/strong>\u201d.<\/p>\n<p style=\"text-align: justify;\">Hay que aclarar, que dicha p\u00f3liza a terceros, es la p\u00f3liza b\u00e1sica de <a href=\"http:\/\/www.fmabogados.com\/tenerife\/la-responsabilidad-civil-en-un-accidente\/\">Responsabilidad Civil Obligatoria<\/a>, es decir, s\u00f3lo cubre da\u00f1os que el asegurado cause a terceros por ser \u00e9ste el causante del <strong>accidente de tr\u00e1fico<\/strong>.\u00a0 Un ocupante en este caso, s\u00f3lo estar\u00eda cubierto si la culpa fuera de su conductor o si el asegurado tuviera contratada una cobertura m\u00e9dica para ocupantes en caso de siniestro.<\/p>\n<p style=\"text-align: justify;\">Para resumir brevemente, si usted sufre un accidente de tr\u00e1fico en <strong>Tenerife<\/strong> y ha sido el culpable de dicho siniestro, su aseguradora deber\u00e1 cubrir los da\u00f1os que haya causado a otro veh\u00edculo y los da\u00f1os personales de los ocupantes del mismo (si los hubiera), y a su vez, deber\u00e1 cubrir los da\u00f1os corporales de los ocupantes de su propio veh\u00edculo y ello en aplicaci\u00f3n de la Responsabilidad Civil a <strong>terceros<\/strong> de su p\u00f3liza de seguros.<\/p>\n<p style=\"text-align: justify;\">Si por el contrario ha sufrido un accidente con culpa clara de un contrario, y su ocupante ha sufrido da\u00f1os corporales, la aseguradora contraria deber\u00e1 responder por los da\u00f1os causados a su veh\u00edculo y adem\u00e1s deber\u00e1 indemnizar a su ocupante por las lesiones sufridas.<\/p>\n<p style=\"text-align: justify;\">El problema m\u00e1s preocupante, es cu\u00e1ndo su p\u00f3liza de seguros no cubre la asistencia m\u00e9dica a ocupantes, ya que dicha cobertura no se ha contratado, por lo tanto, el ocupante deber\u00e1 o bien pagarse de su bolsillo el tratamiento m\u00e9dico y luego reclamarlo a la aseguradora contraria o bien, si carece de medios econ\u00f3micos, solicitar que la compa\u00f1\u00eda responsable abone el tratamiento m\u00e9dico, <a href=\"http:\/\/www.fmabogados.com\/tenerife\/la-aseguradora-autoriza-la-rehabilitacion\/\">el rehabilitador<\/a> o cualquier intervenci\u00f3n\u00a0 quir\u00fargica que precise, con las dificultades que esto \u00faltimo conllevar\u00eda, ya que las compa\u00f1\u00edas aseguradoras pueden dificultar la negociaci\u00f3n y autorizaci\u00f3n del abono de dichos tratamientos en los centros m\u00e9dicos.<\/p>\n<p style=\"text-align: justify;\">Es por ello que desde FM <strong>Abogados Tenerife<\/strong>, aconsejamos que al contratar su p\u00f3liza de <strong>seguros<\/strong>, preste especial atenci\u00f3n a las garant\u00edas y coberturas que contengan para evitar en un futuro, que en caso de producirse un <strong>accidente<\/strong> de tr\u00e1fico, se lleve usted una sorpresa inesperada,\u00a0 y sobre todo traslade sus dudas a su agente de seguros, mediador o corredor con car\u00e1cter previo a la firma de la p\u00f3liza, ya que dichas garant\u00edas no podr\u00e1n modificarse hasta que no llegue el vencimiento de la misma.<\/p>\n<p style=\"text-align: justify;\">Si ha sufrido un accidente de tr\u00e1fico en <strong>Tenerife<\/strong>, y al encargarnos su tema tiene dudas sobre las garant\u00edas que cubre su p\u00f3liza, nos ponemos a su disposici\u00f3n para informarle al respecto.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>En FM Abogados Tenerife, nos hemos encontrado en varias y numerosas ocasiones que algunos t\u00e9rminos relacionados con el seguro del veh\u00edculo, se presta a confusi\u00f3n o error de interpretaci\u00f3n por parte del asegurado. Tal es el caso de la expresi\u00f3n \u201cseguros a terceros\u201d. Cuando el cliente nos traslada su preocupaci\u00f3n, porque al ocupante de su [&hellip;]<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1],"tags":[],"class_list":["post-227","post","type-post","status-publish","format-standard","hentry","category-accidentes-de-trafico"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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