{"id":781,"date":"2026-04-01T18:45:04","date_gmt":"2026-04-01T18:45:04","guid":{"rendered":"https:\/\/qualitassegurodeauto.com.mx\/blog\/?p=781"},"modified":"2026-04-01T18:45:07","modified_gmt":"2026-04-01T18:45:07","slug":"que-no-cubre-un-seguro","status":"publish","type":"post","link":"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/","title":{"rendered":"\u00bfQu\u00e9 no cubre el seguro de auto Qu\u00e1litas? Exclusiones y casos en los que no paga"},"content":{"rendered":"\n<p>Cuando contratas un <a href=\"https:\/\/qualitassegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguro de auto<\/a> con Qu\u00e1litas <strong>es importante que sepas cu\u00e1les son las coberturas que te amparan<\/strong> en caso de siniestro o accidente con tu veh\u00edculo, <strong>pero tambi\u00e9n debes saber todas las exclusiones que tenemos al momento de contratar<\/strong> para que no tengas problemas al momento de realizar alguna reclamaci\u00f3n. A continuaci\u00f3n te diremos <strong>qu\u00e9 es lo que no cubre tu <\/strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/poliza-de-seguro-de-auto-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>p\u00f3liza de seguro Qu\u00e1litas<\/strong>.<\/a><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFCuales_son_las_coberturas_de_Qualitas\" >\u00bfCu\u00e1les son las coberturas de Qu\u00e1litas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#Casos_mas_comunes_en_los_que_el_seguro_NO_cubre\" >Casos m\u00e1s comunes en los que el seguro NO cubre<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFCuales_son_las_exclusiones_especificas_en_Qualitas\" >\u00bfCu\u00e1les son las exclusiones espec\u00edficas en Qu\u00e1litas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#Otras_exclusiones_importantes\" >Otras exclusiones importantes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFQue_pasa_si_manejo_en_estado_de_ebriedad\" >\u00bfQu\u00e9 pasa si manejo en estado de ebriedad?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFQue_pasa_si_choco_en_otro_pais\" >\u00bfQu\u00e9 pasa si choco en otro pa\u00eds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFComo_evitar_que_tu_seguro_rechace_un_siniestro\" >\u00bfC\u00f3mo evitar que tu seguro rechace un siniestro?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#Cotiza_en_Qualitas\" >Cotiza en Qu\u00e1litas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#Preguntas_frecuentes\" >Preguntas frecuentes:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFCuando_el_seguro_de_auto_no_paga\" >\u00bfCu\u00e1ndo el seguro de auto no paga?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFEl_seguro_cubre_si_manejo_borracho\" >\u00bfEl seguro cubre si manejo borracho?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/que-no-cubre-un-seguro\/#%C2%BFQue_invalida_un_seguro_de_auto\" >\u00bfQu\u00e9 invalida un seguro de auto?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_las_coberturas_de_Qualitas\"><\/span><strong>\u00bfCu\u00e1les son las coberturas de Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Contamos con cuatro coberturas para tu auto:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-amplia-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cobertura&nbsp;Amplia<\/strong> <strong>Qu\u00e1litas<\/strong><\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-plus-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seguro de coche Plus<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-limitada-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura Limitada&nbsp;Qu\u00e1litas<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seguro de auto B\u00e1sico<\/a><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>RC en el Extranjero&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>RC en el Extranjero&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>RC en el Extranjero&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>RC en el Extranjero&nbsp;<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura del seguro de auto con Asistencia Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura del seguro de auto con Asistencia Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura del seguro de auto con Asistencia Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura del seguro de auto con Asistencia Vial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Cobertura de Gastos M\u00e9dicos a ocupantes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Asesor\u00eda Legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Asesor\u00eda Legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Asesor\u00eda Legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Asesor\u00eda Legal<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Robo Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Robo total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Deducible Cancelado<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Deducible Cancelado<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Deducible Cancelado<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Deducible Cancelado<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Bis. P\u00e9rdida Total<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Bis. P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Bis. P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Bis. P\u00e9rdida Total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Bis. Robo Parcial<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Bis. Robo Parcial<br><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Bis. Robo Parcial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Bis. Robo Parcial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Responsabilidad cruzada<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Responsabilidad cruzada<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Responsabilidad cruzada<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Responsabilidad cruzada<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Muerte del conductor&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Muerte del conductor&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Muerte del conductor&nbsp;<\/td><td class=\"has-text-align-center\" data-align=\"center\">Opcional<br>Muerte del conductor&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/qualitassegurodeauto.com.mx\/?utm_campaign=BlogQuaEx\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"138\" src=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1-1024x138.jpg\" alt=\"Cotizador Qu\u00e1litas\" class=\"wp-image-852\" srcset=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1-1024x138.jpg 1024w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1-300x40.jpg 300w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1-768x103.jpg 768w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1-1536x206.jpg 1536w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/06\/QUALITAS-1.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Casos_mas_comunes_en_los_que_el_seguro_NO_cubre\"><\/span><strong>Casos m\u00e1s comunes en los que el seguro NO cubre<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Manejar en estado de ebriedad<\/li>\n\n\n\n<li>Uso indebido del veh\u00edculo<\/li>\n\n\n\n<li>Da\u00f1os intencionales<\/li>\n\n\n\n<li>Falta de pago o reporte tard\u00edo<\/li>\n\n\n\n<li>Da\u00f1os por desgaste o fallas mec\u00e1nicas<\/li>\n\n\n\n<li>Conducir fuera de caminos o en zonas prohibidas<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/09\/Exclusiones-Qualitas-1.png\" alt=\"Exclusiones Qu\u00e1litas\" class=\"wp-image-1333\" srcset=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/09\/Exclusiones-Qualitas-1.png 768w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/09\/Exclusiones-Qualitas-1-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_las_exclusiones_especificas_en_Qualitas\"><\/span><strong>\u00bfCu\u00e1les son las exclusiones espec\u00edficas en Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cobertura&nbsp;<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Exclusiones<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Da\u00f1os materiales<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Da\u00f1os o p\u00e9rdidas materiales que sufra el veh\u00edculo, como consecuencia del delito de Abuso de Confianza cometido por: Familiares, asegurados que aparezcan en la car\u00e1tula de la p\u00f3liza, empleados del asegurado, personas cuyas acciones sean por un contrato con el asegurado.\u00a0<br>Da\u00f1os Materiales al Veh\u00edculo Asegurado ocasionados por ri\u00f1a.<br>La rotura, descompostura mec\u00e1nica o la falta de resistencia de cualquier pieza del Veh\u00edculo Asegurado como consecuencia de su uso.<br>Las p\u00e9rdidas o da\u00f1os que sufra el Veh\u00edculo Asegurado en forma intencional.<br>Las p\u00e9rdidas o da\u00f1os que sufra el Veh\u00edculo Asegurado al transitar fuera de caminos o en caminos intransitables.\u00a0<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Robo total<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">El robo parcial cuando no sea a consecuencia del robo total, entendi\u00e9ndose por tal, el robo de partes o accesorios del Veh\u00edculo Asegurado. <br>Que el robo sea realizado por un familiar o empleados del asegurado. <br>Cuando el robo tenga su origen o sea consecuencia del delito de Fraude.<br> El incendio cuando sea a consecuencia de una colisi\u00f3n y\/o vuelco y no exista robo total previo.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Responsabilidad Civil por Da\u00f1os a Terceros<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Bienes que se encuentran bajo su custodia o responsabilidad. <br>Bienes que sean propiedad de personas que dependan econ\u00f3micamente del Asegurado. <br>Da\u00f1os derivados de accidentes cuando el veh\u00edculo sea destinado a un uso o servicio diferente al estipulado en la p\u00f3liza. <br>Agravamiento o complicaci\u00f3n del padecimiento originado por el accidente, derivados del Alcoholismo, toxicoman\u00edas, as\u00ed como de un descuido o imprudencia del lesionado. Padecimientos preexistentes o que no sean consecuencia del accidente.<br> La responsabilidad civil por da\u00f1os a terceros en sus bienes y\/o personas que se ocasionen fuera de la Rep\u00fablica Mexicana.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Otras_exclusiones_importantes\"><\/span><strong>Otras exclusiones importantes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Coberturas<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Exclusiones<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Gastos Legales<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Siniestros que sean consecuencia de un delito diferente a los motivados por el tr\u00e1nsito de veh\u00edculos.\u00a0<br>Siniestros que no sean reportados a la Compa\u00f1\u00eda de inmediato.<br> Siniestros que hayan sido provocados por el asegurado o conductor en forma intencional.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Gastos M\u00e9dicos Ocupantes<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Cuarto de hospitalizaci\u00f3n distinto al est\u00e1ndar. Cama adicional y alimentos del acompa\u00f1ante. Tratamientos de ortodoncia y cirug\u00eda est\u00e9tica no derivados del accidente.<br> Los gastos de ex\u00e1menes m\u00e9dicos generales para la comprobaci\u00f3n del estado de salud conocidos como CHECK-UP.<br> La indemnizaci\u00f3n de cualquier enfermedad o lesi\u00f3n prexistente, cr\u00f3nica o recurrente o estados patol\u00f3gicos, que no se deriven del accidente automovil\u00edstico.<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Auxilio Vial<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">Refacciones, aceites, acumuladores, salvo lo previsto en el inciso b de este beneficio. <br>Multas y\/o gratificaciones de cualquier tipo, a\u00fan y cuando se ocasionen da\u00f1os a terceros.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_manejo_en_estado_de_ebriedad\"><\/span><strong>\u00bfQu\u00e9 pasa si manejo en estado de ebriedad?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Debes saber que<strong> al manejar en estado de ebriedad no solo expones tu vida, sino la de los dem\u00e1s<\/strong>, es por eso que <strong>nunca recomendamos manejar en alg\u00fan estado de ebriedad<\/strong>. Pero en caso de que suceda la aseguradora, deber\u00e1 tomar en cuenta el reporte de estado de ebriedad de una instituci\u00f3n autorizada del estado en el que te encuentres. <strong>En la mayor\u00eda de los casos las coberturas no podr\u00e1n ampararte ante este tipo de siniestros.<\/strong> Y en caso de que se pueda amparar, <strong>el <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/deducible-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">deducible Qu\u00e1litas<\/a> que vas a pagar, se duplicara<\/strong>. Si te sucede este tipo de siniestro,<strong> llama directamente a nuestros n\u00fameros de atenci\u00f3n telef\u00f3nica <\/strong>para que puedas obtener <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-atencion-a-clientes\/\" target=\"_blank\" rel=\"noreferrer noopener\">atenci\u00f3n personalizada<\/a> para tu caso espec\u00edfico.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_choco_en_otro_pais\"><\/span><strong>\u00bfQu\u00e9 pasa si choco en otro pa\u00eds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En Qu\u00e1litas contamos con coberturas que te pueden amparar por <strong>responsabilidad civil a terceros en Estados Unidos<\/strong>. Recuerda que esta cobertura <strong>cubre los da\u00f1os que causes a otro veh\u00edculo cuando t\u00fa seas culpable de este siniestro<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_evitar_que_tu_seguro_rechace_un_siniestro\"><\/span><strong>\u00bfC\u00f3mo evitar que tu seguro rechace un siniestro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lee tu p\u00f3liza completa <\/li>\n\n\n\n<li>Usa el auto correctamente <\/li>\n\n\n\n<li>Reporta el accidente de inmediato <\/li>\n\n\n\n<li>No conduzcas bajo alcohol <\/li>\n\n\n\n<li>Mant\u00e9n tus pagos al corriente<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cotiza_en_Qualitas\"><\/span><strong>Cotiza en Qu\u00e1litas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ahora que sabes <strong>qu\u00e9 es lo que no cubre tu seguro Qu\u00e1litas<\/strong> y cu\u00e1les son las excepciones, debes conocer tambi\u00e9n <strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/coberturas-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">qu\u00e9 es lo que s\u00ed cubre tu seguro<\/a><\/strong> para que puedas elegir la mejor opci\u00f3n para proteger tu patrimonio.\u00a0<\/p>\n\n\n\n<p><strong>Accede a una cotizaci\u00f3n completamente en l\u00ednea sin necesidad de salir de tu casa ingresando tus datos a nuestro formulario.<\/strong> En minutos te daremos una cotizaci\u00f3n completamente personalizada para que puedas elegir la cobertura que m\u00e1s se adecue a tus necesidades y presupuesto. Adem\u00e1s, <strong>puedes obtener atenci\u00f3n personalizada<\/strong> con alguno de nuestros agentes <strong>para resolver todas tus dudas antes de contratar.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_el_seguro_de_auto_no_paga\"><\/span><strong>\u00bfCu\u00e1ndo el seguro de auto no paga?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Cuando hay exclusiones como alcohol, uso indebido o da\u00f1os intencionales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_seguro_cubre_si_manejo_borracho\"><\/span><strong>\u00bfEl seguro cubre si manejo borracho?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generalmente no, o aplica penalizaci\u00f3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_invalida_un_seguro_de_auto\"><\/span><strong>\u00bfQu\u00e9 invalida un seguro de auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Uso incorrecto, fraude, omitir informaci\u00f3n o incumplir condiciones.<\/p>\n\n\n\n<div class=\"wp-block-buttons btn-cothr is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><hr>\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" style=\"background-color: #0096AE;\" href=\"https:\/\/qualitassegurodeauto.com.mx\/\"><strong>\u00a1Cotiza aqu\u00ed!<\/strong><\/a><\/div>\n<hr><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cuando contratas un seguro de auto con Qu\u00e1litas es importante que sepas cu\u00e1les son las coberturas que te amparan en [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":782,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","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":"","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 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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":""}},"footnotes":""},"categories":[12],"tags":[14,19],"class_list":["post-781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qualitas","tag-seguro-de-auto","tag-seguro-de-auto-qualitas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Exclusiones Qu\u00e1litas: \u00bfQu\u00e9 no cubre un seguro de auto Qu\u00e1litas?<\/title>\r\n<meta name=\"description\" content=\"Exclusiones m\u00e1s comunes del seguro de auto: \u00bfQu\u00e9 no cubre tu seguro de auto Qu\u00e1litas?, \u00bfQu\u00e9 pasa si manejo en estado de ebriedad?\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link 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