Tipos de cobertura de seguro para automóviles

Cotización

Descubra los ahorros y beneficios del Programa de seguros para automóviles AARP® de The Hartford.
 

Get Car Insurance Coverage at a Rate You Can Afford

Los accidentes pueden ser costosos. Siéntase seguro detrás del volante al saber que tiene la cobertura de seguro de auto que necesita. With the AARP® Auto Insurance Program from The Hartford,1 you don’t have to sacrifice to save. Puede modificar la cobertura de su seguro para adaptarla a sus necesidades y a una tarifa que pueda pagar.
 
Hear what customers are saying about the savings they enjoy from The Hartford:
 
“Response by Hartford claims representative came immediately. Estimate of costs was done via the internet with the repair facility. Follow-up with them and me was immediate. Someone from The Hartford called me on the phone and by email within hours of my collision. We've had three vehicles and a home covered by The Hartford for at least a decade. I've checked on other companies' cost for coverage. I am a Scotchman genetically and by inclination. From time to time I've compared the cost for coverage, and I quit years ago, because no insurance comes close to the savings we make with coverage by The Hartford!”
*****
“I would have to say that The Hartford was exceptional with their claims coverage, helped with all the rental car arrangements, arranging payment for repair of car and also gave us the repair shop information. This experience was very exceptional in that I did not have any lapse in driving to and from work. The Hartford claims reps are the best of the best. Thank you.”
*****
“I'm a retired Corporate Risk Manager. Accidents of any kind are very stressful, especially as we age. The AARP/Hartford program is 10++++. The very first question asked by The Hartford Claims Rep was … 'are you ok'! Not coverage, or what happened, or deductibles … but 'are you ok.' To me, that is the soul of The Hartford program … it's about us, details come later … the who, what, where, when, what happened … but first … from the very first phone call … 'are you ok'! If ya ain't in, get in!”
 

Medical Coverages

Gastos médicos del seguro de auto

Helps cover medical care, recovery, rehab and remedial care for you and your family after an auto accident.
 
 

No-Fault Insurance - Personal Injury Protection

Paga por pérdidas relacionadas únicamente a lesiones, sin importar quién haya causado el accidente. This can be especially helpful after an accident that involves multiple injuries. No disponible en todos los estados.
 
 

Vehicle Coverages

Vehicle Collision Coverage

Ayuda a pagar por el daño hecho a su auto en caso de una colisión, ya sea con otro vehículo o un objeto. For example, if you back into a tree and damage your car, this coverage could help pay the repair costs.
 
 

Non-Collision Damage - Comprehensive

Non-collision damage insurance, also known as “comprehensive,” helps pay for “non-collision” damage to your car from things like natural disasters, theft and vandalism. For example, if you park your car under a tree during a snowstorm and heavy snow takes down a branch and breaks your windshield, Non-Collision Damage Insurance could help pay the cost to repair the damage to your car.
 
 

Cobertura de cristales completos

La cobertura de cristales completos paga la pérdida de cristales asegurados sin ningún deducible. Por ejemplo, supongamos que abren el automóvil a la fuerza por la noche y rompen una ventana. El costo estimado de reparación ronda los $600. If you have Comprehensive Automobile Insurance but not Auto Glass Coverage, you pay the deductible for any comprehensive insurance you carry on the vehicle before your insurance begins to cover the cost to repair the windshield.
 
If you have Full Glass Coverage, the expense of repairing the window is covered in full with no out-of-pocket costs to you. No disponible en todos los estados.
 
 

Car Towing Coverage

Esta cobertura ayuda a pagar los servicios de grúas o cargos de mano de obra asociados con la reparación del vehículo en caso de que se rompa. For example, if your car battery dies on the interstate, this coverage could help pay for the costs of having your vehicle jump started.
 
 

Gasto por alquiler de auto

La cobertura de gastos de transporte ayuda a pagar un auto de alquiler en caso de una pérdida integral y de colisiones cubierta. For example, while driving you slide off a wet road and crash into a tree. This coverage could help pay for the charges to rent a replacement vehicle while yours is repaired.
 
 

Car Liability Insurance Coverages

Responsabilidad por lesiones corporales de póliza de autos

This coverage can protect you against financial loss and helps pay the legal costs in the event you cause an auto accident that injures another person. Por ejemplo, si accidentalmente pasa una luz roja o da un giro en la nieve y termina hiriendo a otra persona, esta cobertura lo puede ayudar a cubrir los costos de esas lesiones.
 
 

Responsabilidad por daños a la propiedad

Paga los daños que causa su vehículo a la propiedad de otra persona (por ejemplo, cercos, buzones y otros vehículos). Por ejemplo, si su automóvil se patina con la lluvia y choca contra el buzón de un vecino o daña el jardín, este seguro puede ayudarle a pagar los daños.
 
 

Lesión corporal por un conductor no asegurado o con seguro insuficiente

Helps pay bodily injury expenses for you and your passengers if you're hit by an uninsured or underinsured driver.
 
 

Daños a la propiedad por conductor no asegurado o con seguro insuficiente

Helps pay for damage to your vehicle if it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose property damage liability limit is not enough to cover the losses.
 
 

Seguro personal suplementario

Personal Umbrella Coverage goes beyond accidents and damages. It helps when a covered loss exceeds the liability coverage limits of your home or auto policies. For example, if you are sued and the damages exceed the limits of your primary coverage, Umbrella Coverage can help cover the excess costs.
 
 

What Is Full Coverage Car Insurance?

Full Auto Coverage is a policy that includes liability, collision and comprehensive coverage. It doesn’t mean that it will cover all damages that can happen to or from your vehicle. But it will cover three important risks that come from owning and driving a vehicle and more.
 
Auto Liability Insurance helps cover the costs of claims made against you by other drivers if you cause an accident while driving. This can include claims for both property damage and bodily injury. For example, your vehicle skids on ice and you accidentally crash into your neighbor’s mailbox. Auto Liability Insurance can help cover the costs of the property damage claim made against you. Another example might be if you ran a stop sign and cause an accident with another vehicle. Because you are found at fault, Auto Liability Insurance can help cover the costs of the bodily injury claim made against you by the other driver.
 
Seguro contra colisión helps cover the costs of damage done to your vehicle caused by a collision with another vehicle or object. For example, you’re driving down the road and skid on a patch of ice. You slide out of control and into a guardrail. This causes damage to your headlight and bumper. They need to be repaired and replaced. Collision Insurance can help cover the costs of the damage done to your vehicle in the accident. Typically, collision insurance provides coverage for your vehicle up to the cash value of its worth. You will probably also have to pay a deductible on the damages.
 
Comprehensive Auto Insurance provides coverage for damage done to your car in accidents that do not involve another vehicle. So, if a tree branch falls on your parked car and causes damage, Comprehensive Auto Insurance can help cover the costs. This can also help cover costs if your vehicle is damaged by weather disasters, vandalism or if it is stolen.