{"id":796,"date":"2026-04-01T19:07:31","date_gmt":"2026-04-01T19:07:31","guid":{"rendered":"https:\/\/qualitassegurodeauto.com.mx\/blog\/?p=796"},"modified":"2026-04-01T19:07:52","modified_gmt":"2026-04-01T19:07:52","slug":"cobertura-basica-estandarizada","status":"publish","type":"post","link":"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/","title":{"rendered":"Cobertura b\u00e1sica estandarizada Qu\u00e1litas: qu\u00e9 cubre, precio y si es obligatoria en M\u00e9xico"},"content":{"rendered":"\n<p>Hoy te hablaremos de <strong>una de las coberturas m\u00e1s esenciales que puedes contratar con Qu\u00e1litas: La cobertura b\u00e1sica estandarizada<\/strong>. Primero es importante que sepas que esta cobertura <strong>est\u00e1 \u00fanicamente disponible para veh\u00edculos de uso particular y\/o flotillas con vigencia anual.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Debes saber que esta cobertura <strong>est\u00e1 pensada para cubrir la normativa de M\u00e9xico <\/strong>que exige que al transitar con tu veh\u00edculo cuentes con un<strong> Seguro Obligatorio de Responsabilidad Civil que cubra da\u00f1os a tercero<\/strong>s. Esto de acuerdo al<strong> <\/strong><a href=\"https:\/\/www.condusef.gob.mx\/?p=contenido&amp;idc=630&amp;idcat=1\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>art\u00edculo 63 Bis de la Ley de Caminos, Puentes y Autotransporte Federal<\/strong>.<\/a> En caso de incumplir esta normativa <strong>podr\u00e1s hacerte acreedor a una multa de tr\u00e1nsito.&nbsp;<\/strong><\/p>\n\n\n\n<p>Adem\u00e1s de la importancia de cumplir con las leyes en M\u00e9xico, <strong>un seguro de cobertura b\u00e1sica estandarizada es importante, ya que cubrir\u00e1 los da\u00f1os materiales, lesiones corporales y muerte de terceros<\/strong>. Aunque OJO est\u00e1 cobertura, <strong>NO ampara los da\u00f1os de tu propio veh\u00edculo<\/strong>.<\/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\/cobertura-basica-estandarizada\/#%C2%BFQue_es_la_cobertura_basica_estandarizada_de_Qualitas\" >\u00bfQu\u00e9 es la cobertura b\u00e1sica estandarizada 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\/cobertura-basica-estandarizada\/#%C2%BFQue_incluye_la_poliza_basica_estandarizada_Qualitas\" >\u00bfQu\u00e9 incluye la p\u00f3liza b\u00e1sica estandarizada Qu\u00e1litas?<\/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\/cobertura-basica-estandarizada\/#%C2%BFEs_obligatorio_contratar_la_cobertura_basica_estandarizada\" >\u00bfEs obligatorio contratar la cobertura b\u00e1sica estandarizada?<\/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\/cobertura-basica-estandarizada\/#%C2%BFCual_es_la_diferencia_entre_cobertura_basica_y_cobertura_amplia_en_Qualitas\" >\u00bfCu\u00e1l es la diferencia entre cobertura b\u00e1sica y cobertura amplia en Qu\u00e1litas?<\/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\/cobertura-basica-estandarizada\/#%C2%BFQue_riesgos_cubre_esta_poliza_en_Mexico\" >\u00bfQu\u00e9 riesgos cubre esta p\u00f3liza en M\u00e9xico?<\/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\/cobertura-basica-estandarizada\/#%C2%BFCual_es_el_costo_promedio_de_la_cobertura_basica_estandarizada\" >\u00bfCu\u00e1l es el costo promedio de la cobertura b\u00e1sica estandarizada?<\/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\/cobertura-basica-estandarizada\/#%C2%BFQue_NO_cubre_este_seguro\" >\u00bfQu\u00e9 NO cubre este seguro?<\/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\/cobertura-basica-estandarizada\/#%C2%BFQue_beneficios_y_limitaciones_tiene_esta_cobertura\" >\u00bfQu\u00e9 beneficios y limitaciones tiene esta cobertura?<\/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\/cobertura-basica-estandarizada\/#Requisitos_para_contratar_la_cobertura_basica_estandarizada\" >Requisitos para contratar la cobertura b\u00e1sica estandarizada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFComo_cotizar_una_cobertura_basica_estandarizada\" >\u00bfC\u00f3mo cotizar una cobertura b\u00e1sica estandarizada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#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-12\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFEs_obligatorio_el_seguro_de_auto_en_Mexico\" >\u00bfEs obligatorio el seguro de auto en M\u00e9xico?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFQue_cubre_el_seguro_basico_estandarizado\" >\u00bfQu\u00e9 cubre el seguro b\u00e1sico estandarizado?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-estandarizada\/#%C2%BFCual_es_el_seguro_mas_barato\" >\u00bfCu\u00e1l es el seguro m\u00e1s barato?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_cobertura_basica_estandarizada_de_Qualitas\"><\/span><strong>\u00bfQu\u00e9 es la cobertura b\u00e1sica estandarizada de Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La cobertura b\u00e1sica estandarizada es el seguro m\u00ednimo obligatorio en M\u00e9xico para poder circular con tu veh\u00edculo. Su funci\u00f3n principal es cubrir los <strong>da\u00f1os que puedas causar a terceros<\/strong>, ya sea en sus bienes o en su persona.<\/p>\n\n\n\n<p>Es importante recalcar que este seguro cumple con lo establecido en la ley mexicana, que exige contar con un seguro de responsabilidad civil al conducir en v\u00edas federales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_incluye_la_poliza_basica_estandarizada_Qualitas\"><\/span><strong>\u00bfQu\u00e9 incluye la p\u00f3liza b\u00e1sica estandarizada Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/seguro-de-responsabilidad-civil-en-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Seguro de Responsabilidad Civil<\/a>, Bienes y Personas.<\/li>\n\n\n\n<li>Suma asegurada de hasta $250,000.00 pesos.<\/li>\n\n\n\n<li>Cobertura Anual.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_contratar_la_cobertura_basica_estandarizada\"><\/span><strong>\u00bfEs obligatorio contratar la cobertura b\u00e1sica estandarizada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>S\u00ed, como ya te comentamos anteriormente, la normativa en M\u00e9xico exige que cuentes con este tipo de seguro para transitar por las calles.<\/strong> Adem\u00e1s, recuerda que <strong>contratar un seguro de este tipo te puede beneficiar en caso de un siniestro o accidente<\/strong>, ya que las sumas que deber\u00e1s pagar en caso de ser responsable por da\u00f1os a otro veh\u00edculo <strong>podr\u00edan afectar seriamente tu econom\u00eda<\/strong>. Pero que cuando contratas un seguro de auto de este tipo, <strong>la aseguradora se encargara de cubrir por ti todos esos costos.&nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<p><strong>Imagina que, por un descuido en un sem\u00e1foro, no alcanzas a frenar a tiempo y terminas golpeando a otro auto. <\/strong>El momento es inc\u00f3modo: sabes que fue tu responsabilidad y piensas en todo lo que eso implica. <strong>Con la Cobertura B\u00e1sica Estandarizada de Qu\u00e1litas,<\/strong> al menos<strong> cuentas con el respaldo para responder por los da\u00f1os a terceros.<\/strong> Porque incluso cuando el error es tuyo, esta protecci\u00f3n te ayuda a cumplir y seguir adelante.<\/p>\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=\"%C2%BFCual_es_la_diferencia_entre_cobertura_basica_y_cobertura_amplia_en_Qualitas\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre cobertura b\u00e1sica y cobertura amplia en Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A continuaci\u00f3n te brindamos un cuadro para que puedas verificar las diferencias entre las <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/coberturas-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">coberturas de auto en Qu\u00e1litas:<\/a><\/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\"><strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-amplia-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura&nbsp;de seguro de coche Amplia<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-plus-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Cobertura Plus<\/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-limitada-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de seguro de coche Limitada&nbsp;<\/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\">Cobertura B\u00e1sica Qu\u00e1litas<\/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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_riesgos_cubre_esta_poliza_en_Mexico\"><\/span><strong>\u00bfQu\u00e9 riesgos cubre esta p\u00f3liza en M\u00e9xico?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Se cubren los da\u00f1os a terceros <\/strong>(da\u00f1os materiales, lesiones corporales y muerte de terceros), <strong>aun cuando el conductor no tenga su licencia de conducir, maneje bajo el estado de ebriedad o bajo el influjo de drogas<\/strong>, siempre y cuando los da\u00f1os sean derivados de un hecho de tr\u00e1nsito.&nbsp;<\/p>\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\/Cobertura-Basica-estandarizada-Qualitas-1.png\" alt=\"Cobertura B\u00e1sica estandarizada Qu\u00e1litas\" class=\"wp-image-1336\" srcset=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/09\/Cobertura-Basica-estandarizada-Qualitas-1.png 768w, https:\/\/qualitassegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/09\/Cobertura-Basica-estandarizada-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%BFCual_es_el_costo_promedio_de_la_cobertura_basica_estandarizada\"><\/span><strong>\u00bfCu\u00e1l es el costo promedio de la cobertura b\u00e1sica estandarizada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Los <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/costo-seguro-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">costos de un seguro<\/a> b\u00e1sico estandarizado van de los $1,000 pesos hasta los $5,000 pesos. Estos costos se pueden modificar de acuerdo a la informaci\u00f3n que se proporcione del conductor y del veh\u00edculo al momento de contratar.\u00a0<\/strong><\/p>\n\n\n\n<p>Pero como puedes ver,<strong> es una de las coberturas m\u00e1s baratas que puedes encontrar en el mercado de seguros de auto<\/strong>, aunque desafortunadamente solo cubre da\u00f1os a terceros. <strong>Por eso te ofrecemos nuestras coberturas limitada y amplia, que pueden ampararte en caso de que quieras cubrir los da\u00f1os a tu propio veh\u00edculo, as\u00ed como los gastos m\u00e9dicos de tus acompa\u00f1antes<\/strong>, e incluso podemos a\u00f1adir <strong>coberturas para el da\u00f1o a tus rines y llantas <\/strong>a nuestros paquetes.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_NO_cubre_este_seguro\"><\/span><strong>\u00bfQu\u00e9 NO cubre este seguro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Es importante entender sus limitaciones, ya que al ser la m\u00e1s simple no ampara los siguientes da\u00f1os:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da\u00f1os a tu propio veh\u00edculo<\/li>\n\n\n\n<li>Robo de tu auto<\/li>\n\n\n\n<li>Gastos m\u00e9dicos del conductor<\/li>\n\n\n\n<li>Asistencia vial<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_beneficios_y_limitaciones_tiene_esta_cobertura\"><\/span><strong>\u00bfQu\u00e9 beneficios y limitaciones tiene esta cobertura?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Beneficios:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cumples con las leyes en M\u00e9xico.&nbsp;<\/li>\n\n\n\n<li>Te amparas ante gastos imprevistos.&nbsp;<\/li>\n\n\n\n<li>El costo es accesible para todos los bolsillos.<\/li>\n<\/ul>\n\n\n\n<p><strong>Limitaciones:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La cobertura no protege tu veh\u00edculo ni a los tripulantes.<\/li>\n\n\n\n<li>Solo aplica para veh\u00edculos personales. No motos, taxis ni transporte p\u00fablico.<\/li>\n\n\n\n<li>No aplica el cambio de cobertura para p\u00f3lizas emitidas.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_para_contratar_la_cobertura_basica_estandarizada\"><\/span><strong>Requisitos para contratar la cobertura b\u00e1sica estandarizada<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Para poder contratar tu <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/poliza-de-seguro-de-auto-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza de seguro<\/a> con cobertura b\u00e1sica estandarizada requeriremos los siguientes datos y documentos:<\/p>\n\n\n\n<p><strong>Del asegurado:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El contratante deber\u00e1 ser persona f\u00edsica.<\/li>\n\n\n\n<li>Edad.<\/li>\n\n\n\n<li>Nombre completo.<\/li>\n\n\n\n<li>G\u00e9nero.<\/li>\n\n\n\n<li>Comprobante de domicilio.<\/li>\n\n\n\n<li>Tel\u00e9fono.<\/li>\n\n\n\n<li>Correo electr\u00f3nico.<\/li>\n\n\n\n<li>RFC.<\/li>\n\n\n\n<li>Licencia de conducir.<\/li>\n\n\n\n<li>Identificaci\u00f3n oficial.<\/li>\n<\/ul>\n\n\n\n<p><strong>Del Veh\u00edculo:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Marca.<\/li>\n\n\n\n<li>Modelo.<\/li>\n\n\n\n<li>A\u00f1o.<\/li>\n\n\n\n<li>Placas.<\/li>\n\n\n\n<li>N\u00famero de serie.<\/li>\n\n\n\n<li>N\u00famero de motor.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_cotizar_una_cobertura_basica_estandarizada\"><\/span><strong>\u00bfC\u00f3mo cotizar una cobertura b\u00e1sica estandarizada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Para poder cotizar tu seguro b\u00e1sico estandarizado puedes acudir directamente a nuestras <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/oficinas-qualitas-ubicaciones\/\" target=\"_blank\" rel=\"noreferrer noopener\">oficinas Qu\u00e1litas  disponibles en M\u00e9xico<\/a> o llamar a nuestros n\u00fameros de <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-atencion-a-clientes\/\" target=\"_blank\" rel=\"noreferrer noopener\">atenci\u00f3n Qu\u00e1litas<\/a>.<br>Adicionalmente, <strong>podemos brindarte tu cotizaci\u00f3n desde la comodidad de tu casa. \u00danicamente debes ingresar tus datos a nuestro formulario<\/strong> y <strong>en minutos obtendr\u00e1s tu cotizaci\u00f3n personalizada<\/strong> completamente gratis para que puedas contratar tu nuevo seguro de auto.<\/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%BFEs_obligatorio_el_seguro_de_auto_en_Mexico\"><\/span><strong>\u00bfEs obligatorio el seguro de auto en M\u00e9xico?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, al menos el de responsabilidad civil.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_el_seguro_basico_estandarizado\"><\/span><strong>\u00bfQu\u00e9 cubre el seguro b\u00e1sico estandarizado?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Da\u00f1os a terceros en bienes y personas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_seguro_mas_barato\"><\/span><strong>\u00bfCu\u00e1l es el seguro m\u00e1s barato?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La cobertura b\u00e1sica estandarizada.<\/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>Hoy te hablaremos de una de las coberturas m\u00e1s esenciales que puedes contratar con Qu\u00e1litas: La cobertura b\u00e1sica estandarizada. Primero [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":797,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","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":"","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":""}},"ast-content-background-meta":{"desktop":{"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":""},"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":[13],"tags":[14,19],"class_list":["post-796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-auto-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>\u00bfQu\u00e9 es la cobertura b\u00e1sica estandarizada Qu\u00e1litas?<\/title>\r\n<meta name=\"description\" content=\"Cobertura b\u00e1sica estandarizada Qu\u00e1litas: Qu\u00e9 es, qu\u00e9 cubre, cu\u00e1les son los costos, limitaciones y c\u00f3mo contratar en l\u00ednea.\" \/>\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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