{"id":18825,"date":"2015-08-02T19:52:16","date_gmt":"2015-08-03T02:52:16","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?post_type=faqs&#038;p=18825"},"modified":"2021-08-12T20:44:55","modified_gmt":"2021-08-12T20:44:55","slug":"policy-limits-car-accident","status":"publish","type":"page","link":"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/","title":{"rendered":"\u00bfQu\u00e9 son los l\u00edmites de p\u00f3liza en un caso de lesiones personales?"},"content":{"rendered":"<p style=\"text-align: left;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-16265\" style=\"border: 2px solid black;\" src=\"https:\/\/pdxinjurylaw.com\/wp-content\/uploads\/2011\/07\/homeowners-insurance-claim-300x200.jpg\" alt=\"Oregon auto insurance claim, Portland car accident claim, portland accident compensation settlments\" width=\"300\" height=\"200\" \/><\/strong>Accidente en Oreg\u00f3n\u00a0<strong>Los l\u00edmites de la p\u00f3liza son la cantidad m\u00e1xima de dinero que una compa\u00f1\u00eda de seguros tendr\u00e1 que pagar a cualquier persona lesionada.<\/strong>\u00a0en caso de un accidente. As\u00ed pues, esto afecta enormemente tu caso porque es la cantidad m\u00e1xima de dinero que puedes reclamar a la compa\u00f1\u00eda de seguros, sin importar la gravedad de tus lesiones.<\/p>\n<h2 style=\"text-align: left;\">\u00bfQu\u00e9 sucede cuando sufres una lesi\u00f3n lo suficientemente grave como para que una compensaci\u00f3n justa por tus lesiones supere los l\u00edmites de la p\u00f3liza de la otra persona?<\/h2>\n<p style=\"text-align: left;\">Como parte perjudicada, puedes recurrir a tu propio seguro para una parte de tu p\u00f3liza llamada UIM, o Seguro de Automovilistas con P\u00f3liza Insuficiente, que es una buena manera de cubrir la diferencia entre tus costos y los l\u00edmites de la p\u00f3liza de seguro de la otra persona en un caso de lesiones personales.<\/p>\n<h2 style=\"text-align: left;\">\u00bfC\u00f3mo puedo averiguar los l\u00edmites de la p\u00f3liza de la otra persona para realizar una reclamaci\u00f3n?<\/h2>\n<p style=\"text-align: left;\">La forma m\u00e1s f\u00e1cil es llamar y preguntar al ajustador de seguros de la otra persona por los l\u00edmites de la p\u00f3liza. Esto no siempre funciona, pero siempre puedes intentarlo. Si esto no funciona, no tienes muchas opciones; a menudo, las compa\u00f1\u00edas de seguros no revelar\u00e1n esta informaci\u00f3n a menos que la v\u00edctima de la lesi\u00f3n tenga un abogado. No hay ninguna ley que diga que deban proporcionar esta informaci\u00f3n.<\/p>\n<p style=\"text-align: left;\">Actualmente, la ley de Oreg\u00f3n\u00a0<a href=\"http:\/\/www.oregonlaws.org\/ors\/806.070.html\" target=\"_blank\" rel=\"nofollow noopener\">ORS 806.070<\/a>\u00a0requiere que una p\u00f3liza de seguro emitida dentro del estado deba tener<a href=\"http:\/\/www.oregon.gov\/odot\/dmv\/pages\/driverid\/insurance.aspx\" target=\"_blank\" rel=\"nofollow noopener\">\u00a0l\u00edmites de responsabilidad de al menos $25 000\/$50 000.<\/a><\/p>\n<p style=\"text-align: left;\">La primera cifra indica la cantidad m\u00e1xima que una compa\u00f1\u00eda de seguros tiene que pagar a una sola persona en caso de accidente. Por lo tanto, si la persona que te choc\u00f3 solo tiene una p\u00f3liza de $25 000\/$50 000, su compa\u00f1\u00eda de seguros nunca tendr\u00e1 que pagarte m\u00e1s de $25 000 por tus lesiones.<\/p>\n<p style=\"text-align: left;\">La segunda cifra es la cantidad m\u00e1xima que la compa\u00f1\u00eda de seguros tendr\u00e1 que pagar en total por el accidente. Por ejemplo, si cuatro personas resultaran heridas, la compa\u00f1\u00eda no tendr\u00eda que pagar m\u00e1s de $25 000 por persona, pero para todo el grupo no tendr\u00eda que pagar m\u00e1s de $50 000.\u00a0Para continuar con este ejemplo, si un autob\u00fas con 50 personas a bordo fuera chocado por un conductor con un l\u00edmite de p\u00f3liza de $25,000\/$50,000, el seguro no pagar\u00eda m\u00e1s de $50,000 en total por las 50 personas, lo que da un promedio de solo $1,000 por persona. As\u00ed que el\u00a0<a href=\"http:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC1276634\/\" target=\"_blank\" rel=\"nofollow noopener\">l\u00edmites de p\u00f3liza<\/a>\u00a0en un caso de lesiones personales son importantes para determinar si vale la pena seguir adelante con su caso, especialmente en accidentes con m\u00faltiples personas involucradas.<\/p>\n<p style=\"text-align: left;\">Si ha sufrido una lesi\u00f3n en un accidente automovil\u00edstico y desea obtener m\u00e1s informaci\u00f3n sobre los l\u00edmites de la p\u00f3liza y c\u00f3mo le afectan, por favor lea nuestro libro gratuito.\u00a0<em><a href=\"https:\/\/pdxinjurylaw.com\/es\/7-common-mistakes-that-can-wreck-your-oregon-accident-case\/\" target=\"_blank\" rel=\"nofollow noopener\">7 errores comunes que pueden arruinar tu caso de accidente en Oreg\u00f3n.<\/a>\u00a0<\/em>O llame a nuestra oficina al (503) 222-4411 para comenzar a discutir su caso y que nuestros abogados puedan ayudarle.<\/p>\n<div style=\"margin: 40px 0px 40px 0px;\" align=\"center\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Oregon accident\u00a0policy limits are the maximum amount of money an insurance company will ever have to pay any injured person\u00a0in the event of an accident. So, this greatly affects your case because it&#8217;s the maximum amount of money you can demand from the insurance company, no matter what your injuries are. What happens when you&#8230; <a class=\"fancy_link\" href=\"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"parent":63509,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_content_optimizer_report_url":"","_content_optimizer_report_added":"","_content_optimizer_keyword_hide_used":false,"_content_optimizer_keyword_hide_above_average":false,"_content_optimizer_entities_hide_used":false,"_content_optimizer_entities_hide_above_average":false,"_content_optimizer_headings_hide_used":false,"_content_optimizer_questions_hide_used":false,"_content_optimizer_tab_active":"","_content_optimizer_report_url_ce":"","_content_optimizer_report_added_ce":"","_content_optimizer_keyword_hide_used_ce":false,"_content_optimizer_keyword_hide_above_average_ce":false,"_content_optimizer_entities_hide_used_ce":false,"_content_optimizer_entities_hide_above_average_ce":false,"_content_optimizer_headings_hide_used_ce":false,"_content_optimizer_questions_hide_used_ce":false,"_content_optimizer_tab_active_ce":""},"class_list":["post-18825","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Are Policy Limits in a Personal Injury Case?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Policy Limits in a Personal Injury Case?\" \/>\n<meta property=\"og:description\" content=\"Oregon accident\u00a0policy limits are the maximum amount of money an insurance company will ever have to pay any injured person\u00a0in the event of an accident. 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