{"id":7178,"date":"2012-01-05T08:18:03","date_gmt":"2012-01-05T16:18:03","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?p=7178"},"modified":"2025-05-05T05:53:44","modified_gmt":"2025-05-05T12:53:44","slug":"my-car-is-totaled-in-an-accident","status":"publish","type":"post","link":"https:\/\/pdxinjurylaw.com\/es\/my-car-is-totaled-in-an-accident\/","title":{"rendered":"\u00bfQu\u00e9 pasa si mi coche queda destrozado en un accidente?"},"content":{"rendered":"<p style=\"text-align: left;\" align=\"center\">Conduc\u00edas tu orgullo y alegr\u00eda por la autopista en un d\u00eda soleado, sin preocupaciones. El est\u00e9reo a todo volumen reproduc\u00eda tu canci\u00f3n favorita y el fin de semana estaba a la vuelta de la esquina. \u00bfQu\u00e9 podr\u00eda salir mal? De repente, la respuesta a esa pregunta apareci\u00f3 en forma de una camioneta en el carril contrario. La colisi\u00f3n era inevitable, los da\u00f1os colosales y sientes que tu alguna vez hermoso motor ha quedado destrozado. Sin embargo, la compa\u00f1\u00eda de seguros no est\u00e1 de acuerdo, as\u00ed que probablemente sea hora de llamar a un abogado de da\u00f1os a la propiedad en Portland.<\/p>\n<p style=\"text-align: left;\"><strong>\u00bfQui\u00e9n decide si mi auto es una p\u00e9rdida total?<\/strong><\/p>\n<p style=\"text-align: left;\">Se usar\u00e1n varios factores para determinar si tu coche es p\u00e9rdida total o no. Un ajustador de reclamaciones de seguros observar\u00e1 si:<\/p>\n<ul style=\"text-align: left;\">\n<li>El da\u00f1o al autom\u00f3vil es tan grave que no se puede reparar de forma segura<\/li>\n<li>El costo de las reparaciones es m\u00e1s de lo que realmente vale el auto<\/li>\n<li>El da\u00f1o es lo suficientemente severo como para que las leyes de Oreg\u00f3n exijan que el coche sea declarado p\u00e9rdida total.<!--more--><\/li>\n<\/ul>\n<p style=\"text-align: left;\">Una vez que el perito de seguros haya programado una inspecci\u00f3n de tu coche, que deber\u00eda ocurrir uno o dos d\u00edas despu\u00e9s del accidente, te informar\u00e1 si tu coche ha sido declarado siniestro total o no. En ese momento, probablemente te pedir\u00e1n que retires del coche todos tus objetos personales, como CDs, documentos, ropa que hayas dejado, etc. El perito tambi\u00e9n querr\u00e1 una llave de tu veh\u00edculo y, sin duda, te pedir\u00e1 que cumplimentes los formularios necesarios, explicando tu versi\u00f3n de lo sucedido. Tambi\u00e9n te pedir\u00e1n informaci\u00f3n de contacto, que se proporcionar\u00e1 a la instituci\u00f3n financiera que organiz\u00f3 la financiaci\u00f3n de tu veh\u00edculo.<\/p>\n<p style=\"text-align: left;\"><strong>Mi coche vale mucho m\u00e1s para m\u00ed que su valor de mercado. <\/strong><\/p>\n<p style=\"text-align: left;\">Seamos sinceros. Cuando tu coche ha sido declarado siniestro total, nadie gana. Y los \u00fanicos que no pierden son las compa\u00f1\u00edas financieras. Un abogado de da\u00f1os a la propiedad de Portland te asesorar\u00e1 sobre el valor real de tu veh\u00edculo, en caso de que no est\u00e9s dispuesto a aceptar la oferta de la compa\u00f1\u00eda de seguros. Ten en cuenta que, incluso si el valor real en efectivo (ACV, por sus siglas en ingl\u00e9s) es m\u00e1s o menos lo que esperabas, no recibir\u00e1s esa cantidad en una situaci\u00f3n de p\u00e9rdida total. Puede que hayas tratado tu coche como a un beb\u00e9, pero la oferta de la compa\u00f1\u00eda de seguros se basar\u00e1 en coches de edad similar, con kilometraje similar y con extras opcionales similares al tuyo. Los procedimientos de la compa\u00f1\u00eda de seguros ser\u00e1n:<\/p>\n<ul style=\"text-align: left;\">\n<li>Determina el valor en efectivo del veh\u00edculo<\/li>\n<li>Agregue tarifas e impuestos estatales aplicables<\/li>\n<li>El liquidaci\u00f3n se reducir\u00e1 entonces por el monto del deducible de tu p\u00f3liza.<\/li>\n<li>La compa\u00f1\u00eda de seguros tambi\u00e9n determinar\u00e1 un valor de salvamento para tu auto, pero esta es un \u00e1rea complicada. En algunos casos, si entregas el veh\u00edculo, la compa\u00f1\u00eda de seguros te pagar\u00e1 lo que ellos consideren un valor de salvamento \u201cjusto\u201d. Si decides quedarte con el auto, por razones sentimentales o porque crees que podr\u00edas obtener m\u00e1s por \u00e9l t\u00fa mismo, la compa\u00f1\u00eda de seguros puede permitirlo, pero deducir\u00e1n el valor de salvamento de tu oferta de liquidaci\u00f3n.<\/li>\n<\/ul>\n<p style=\"text-align: left;\">No es necesario que aceptes la primera oferta que te haga la compa\u00f1\u00eda de seguros. Recuerda que las aseguradoras tienen un inter\u00e9s particular en pagar las indemnizaciones m\u00e1s bajas posibles, y es posible que quieras que un abogado de da\u00f1os a la propiedad de Portland negocie una mejor oferta por tu coche. En lugar de simplemente aceptar la oferta del \u201clibro azul\u201d de la NADA, intenta comparar el valor de tu veh\u00edculo con los que aparecen en www.Edmunds.com, lo que puede ofrecer un reflejo m\u00e1s justo de lo que realmente val\u00eda tu coche.<\/p>\n<p style=\"text-align: left;\"><strong>Si debo dinero del coche, \u00bfqui\u00e9n recibe el pago primero?\u00a0<\/strong><\/p>\n<p style=\"text-align: left;\">Como se mencion\u00f3 anteriormente, las compa\u00f1\u00edas financieras son las \u00fanicas que no pierden en estas situaciones. Una vez que se acuerde una cifra de liquidaci\u00f3n final, si usted es el propietario del veh\u00edculo, recibir\u00e1 el cheque a su nombre. Si, sin embargo, existe un acuerdo de financiaci\u00f3n, el pago para liquidar ese acuerdo en su totalidad se har\u00e1 primero a la compa\u00f1\u00eda financiera. Si queda algo, usted recibir\u00e1 el saldo, pero si la liquidaci\u00f3n no cubre lo que le debe a la compa\u00f1\u00eda financiera, usted seguir\u00e1 siendo responsable del saldo.<\/p>\n<p style=\"text-align: left;\">Pagar por un coche que nunca volver\u00e1s a conducir es una horrible realidad que nadie quiere enfrentar, pero muchos terminan teni\u00e9ndola que afrontar. Sin embargo, existe una forma de protegerse contra esta eventualidad. El \u201cseguro de brecha\u201d (gap insurance) te cubrir\u00e1 los saldos pendientes en tal situaci\u00f3n, y deber\u00edas consultar con tu compa\u00f1\u00eda financiera para ver si tienes un seguro de brecha incluido en tu contrato.<\/p>\n<p style=\"text-align: left;\">Que declaren su auto como p\u00e9rdida total es un evento miserable y traum\u00e1tico para conductores de todas las edades. Sin embargo, sucede todos los d\u00edas en Oreg\u00f3n y en el resto del pa\u00eds. Puedes protegerte financieramente teniendo una cobertura de seguro adecuada, incluido un seguro \"gap\" incluido en tu acuerdo de financiamiento. Si, sin embargo, sientes que la compa\u00f1\u00eda de seguros te est\u00e1 tratando injustamente, o simplemente deseas un buen consejo, entonces <a href=\"https:\/\/pdxinjurylaw.com\/es\/portland-injury-attorneys-contact\/\">contactar a un abogado de lesiones y da\u00f1os a la propiedad de Portland de buena reputaci\u00f3n y con experiencia<\/a>, Qui\u00e9n escuchar\u00e1 tu historia y luego explicar\u00e1 claramente las diversas opciones que tienes a tu disposici\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Conduc\u00edas tu coche por la autopista en un d\u00eda soleado y sin preocupaciones.  El equipo de m\u00fasica emit\u00eda tu canci\u00f3n favorita y el fin de semana estaba a la vuelta de la esquina. \u00bfQu\u00e9 podr\u00eda salir mal? De repente, la respuesta a esa pregunta apareci\u00f3 en forma de camioneta... <a class=\"fancy_link\" href=\"https:\/\/pdxinjurylaw.com\/es\/my-car-is-totaled-in-an-accident\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":""},"categories":[14,35,122],"tags":[],"class_list":["post-7178","post","type-post","status-publish","format-standard","hentry","category-car-accidents","category-oregon-laws","category-personal-injury-process"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Happens if My Car is Totaled in an Accident?<\/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\/my-car-is-totaled-in-an-accident\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Happens if My Car is Totaled in an Accident?\" \/>\n<meta property=\"og:description\" content=\"You were driving your pride and joy down the highway on a sunny day without a care in the world.\u00a0 The stereo was belting out your favorite song, and the weekend was just around the corner. 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