{"id":1222,"date":"2020-10-01T10:39:00","date_gmt":"2020-10-01T10:39:00","guid":{"rendered":"https:\/\/omalleytunstall.com\/?p=1222"},"modified":"2026-09-19T05:06:35","modified_gmt":"2026-09-19T05:06:35","slug":"por-que-no-deberia-hablar-con-las-companias-de-seguros-despues-de-un-accidente","status":"publish","type":"post","link":"https:\/\/omalleytunstall.com\/es\/blog\/why-shouldnt-i-talk-to-insurance-companies-after-an-accident\/","title":{"rendered":"\u00bfPor qu\u00e9 no debo hablar con las compa\u00f1\u00edas de seguros despu\u00e9s de un accidente?"},"content":{"rendered":"<p>Contrataste un seguro para cubrir tus gastos en caso de accidente. Al fin y al cabo, para eso sirve un seguro. \u00bfNo es as\u00ed?<\/p>\n<p>La verdad es, en realidad, mucho m\u00e1s complicada. Las compa\u00f1\u00edas de seguros son empresas con fines de lucro que tienen un objetivo por encima de todos los dem\u00e1s: ganar dinero. Si alguna vez te ves involucrado en un accidente automovil\u00edstico o ya has sufrido uno, no debes intentar hablar con los representantes de tu compa\u00f1\u00eda de seguros. Te explicamos por qu\u00e9.<\/p>\n<h3>Por qu\u00e9 no deber\u00edas hablar con las aseguradoras<\/h3>\n<p>Las compa\u00f1\u00edas de seguros no siempre act\u00faan en beneficio de sus asegurados. Por el contrario, a menudo hacen todo lo posible por evitar pagar la indemnizaci\u00f3n completa. Cuando hables con un representante de una compa\u00f1\u00eda de seguros, este buscar\u00e1 la manera de ofrecerte una cantidad inferior a la que te mereces.<\/p>\n<p>Aunque no hayas tenido ninguna culpa en el accidente, las compa\u00f1\u00edas de seguros tienen formas de atribuirte parte de la responsabilidad. De esta manera, no tendr\u00e1n que pagar la indemnizaci\u00f3n m\u00e1xima. En otros casos, la compa\u00f1\u00eda de seguros puede encontrar la manera de minimizar la gravedad de tus lesiones para no tener que gastar tanto.<\/p>\n<h3>Qu\u00e9 hacer en su lugar<\/h3>\n<p>Antes de hablar con cualquier representante de una aseguradora, eval\u00faa tus opciones. Tienes derecho a buscar atenci\u00f3n m\u00e9dica y asesor\u00eda legal. Muchas v\u00edctimas de accidentes consideran necesario presentar una demanda por da\u00f1os personales contra la compa\u00f1\u00eda de seguros del otro conductor o contra la propia.<\/p>\n<p>Ante todo, no firmes ning\u00fan documento que te entregue tu compa\u00f1\u00eda de seguros. Estos documentos suelen estar redactados de una manera que parece favorable para ti, pero que en realidad beneficia a la compa\u00f1\u00eda de seguros. Es posible que no te des cuenta de qu\u00e9 derechos est\u00e1s cediendo al firmarlos.<\/p>","protected":false},"excerpt":{"rendered":"<p>You purchased insurance to cover your expenses in case of an accident. After all, that is what insurance is for. Isn\u2019t it? The truth is actually much more complicated. Insurance companies are for-profit corporations that hold one goal above all others: to make money. If you are ever in a car accident or you have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[18],"tags":[],"class_list":["post-1222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-injury"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why shouldn\u2019t I talk to insurance companies after an accident? | O&#039;Malley Tunstall PLLC<\/title>\n<meta name=\"description\" content=\"You purchased insurance to cover your expenses in case of an accident. After all, that is what insurance is for. Isn\u2019t it? The truth is actually much more complicated. Insurance companies are for-profit corporations that hold one goal above all others: to make money. 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