{"id":825,"date":"2026-04-21T18:52:04","date_gmt":"2026-04-21T18:52:04","guid":{"rendered":"https:\/\/qualitassegurodeauto.com.mx\/blog\/?p=825"},"modified":"2026-04-21T18:52:24","modified_gmt":"2026-04-21T18:52:24","slug":"qualitas-proteccion-para-danos-a-terceros","status":"publish","type":"post","link":"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/","title":{"rendered":"Qu\u00e1litas protecci\u00f3n para da\u00f1os a terceros sin deducible"},"content":{"rendered":"\n<p>Hoy te hablaremos de <strong>una de las coberturas m\u00e1s elementales<\/strong> que puedes contratar <strong>para tu auto en Qu\u00e1litas por protecci\u00f3n por da\u00f1os a terceros<\/strong>. Esta cobertura la puedes encontrar en todos los paquetes de Qu\u00e1litas o puedes contratarla por separado con el seguro de <strong><a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-qualitas-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura B\u00e1sica Estandarizada<\/a>.<\/strong>&nbsp;<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFQue_es_la_cobertura_de_danos_a_terceros_en_Qualitas\" >\u00bfQu\u00e9 es la cobertura de da\u00f1os a terceros en Qualitas?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFQue_cubre_la_proteccion_de_Qualitas_para_danos_a_terceros\" >\u00bfQu\u00e9 cubre la protecci\u00f3n de Qu\u00e1litas para da\u00f1os a terceros?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFCual_es_el_costo_del_seguro_basico_de_Qualitas\" >\u00bfCu\u00e1l es el costo del seguro b\u00e1sico de Qu\u00e1litas?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#Factores_que_afectan_el_precio_de_un_seguro_Qualitas\" >Factores que afectan el precio de un seguro Qu\u00e1litas<\/a><\/li><\/ul><\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFIncluye_asistencia_vial_esta_cobertura\" >\u00bfIncluye asistencia vial esta cobertura?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#Beneficios_de_contratar_con_Qualitas\" >Beneficios de contratar con Qu\u00e1litas<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFEs_obligatorio_tener_seguro_de_danos_a_terceros_en_Mexico\" >\u00bfEs obligatorio tener seguro de da\u00f1os a terceros en M\u00e9xico?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFQue_NO_cubre_esta_cobertura\" >\u00bfQu\u00e9 NO cubre 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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFComo_reportar_un_siniestro_con_Qualitas\" >\u00bfC\u00f3mo reportar un siniestro con Qu\u00e1litas?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFLa_cobertura_de_terceros_cubre_lesiones_personales\" >\u00bfLa cobertura de terceros cubre lesiones personales?<\/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\/qualitas-proteccion-para-danos-a-terceros\/#Requisitos_para_contratar_con_Qualitas\" >Requisitos para contratar con Qu\u00e1litas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#Cotiza_tu_seguro_de_responsabilidad_civil_en_linea\" >Cotiza tu seguro de responsabilidad civil en l\u00ednea<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#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-14\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFEl_seguro_de_terceros_cubre_lesiones_personales\" >\u00bfEl seguro de terceros cubre lesiones personales?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFCual_es_la_suma_asegurada_de_Qualitas\" >\u00bfCu\u00e1l es la suma asegurada de Qualitas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/qualitas-proteccion-para-danos-a-terceros\/#%C2%BFPuedo_contratar_solo_responsabilidad_civil\" >\u00bfPuedo contratar solo responsabilidad civil?<\/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_de_danos_a_terceros_en_Qualitas\"><\/span><strong>\u00bfQu\u00e9 es la cobertura de da\u00f1os a terceros en Qualitas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El seguro por da\u00f1os a terceros o de responsabilidad civil <strong>es la cobertura m\u00ednima legal obligatoria desde 2019<\/strong> en casi toda la rep\u00fablica mexicana, de acuerdo al <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 que no cumplas con esta norma, podr\u00e1s hacerte acreedor a una <strong>multa de tr\u00e1nsito que puede ir de los $2,262 a $4,525 pesos mexicanos.<\/strong>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_la_proteccion_de_Qualitas_para_danos_a_terceros\"><\/span><strong>\u00bfQu\u00e9 cubre la protecci\u00f3n de Qu\u00e1litas para da\u00f1os a terceros?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Da\u00f1os y lesiones que causes a otro veh\u00edculo<\/strong> o pasajeros en el veh\u00edculo, siempre y cuando los da\u00f1os sean derivados de un hecho de tr\u00e1nsito.&nbsp;<\/li>\n\n\n\n<li><strong>Suma asegurada de hasta $250,000.00 pesos.<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_costo_del_seguro_basico_de_Qualitas\"><\/span><strong>\u00bfCu\u00e1l es el costo del seguro b\u00e1sico de Qu\u00e1litas?<\/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> van de los $2,000 pesos con la cobertura m\u00e1s b\u00e1sica, hasta los $15,000 pesos con la cobertura m\u00e1s completa.<\/strong> A continuaci\u00f3n te brindamos un ejemplo para un conductor de 32 a\u00f1os:<\/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>Marca<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Responsabilidad Civil<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cobertura Limitada<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cobertura Amplia<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>VOLKSWAGEN, VENTO, 2021<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$5,491.09<\/td><td class=\"has-text-align-center\" data-align=\"center\">$7,203.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">$11,412.75<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>TOYOTA, C-HR, 2020<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$6,153.13<\/td><td class=\"has-text-align-center\" data-align=\"center\">$7,623.54<\/td><td class=\"has-text-align-center\" data-align=\"center\">$10,625.28<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>NISSAN, VERSA, 2019<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">$5,491.09<\/td><td class=\"has-text-align-center\" data-align=\"center\">$6,876.51<\/td><td class=\"has-text-align-center\" data-align=\"center\">$11,368.78<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Este es un ejemplo obtenido a trav\u00e9s de la p\u00e1gina de la <a href=\"https:\/\/webappsos.condusef.gob.mx\/SimuladorSeguroAutomovil\/comparativojx.jsp\" target=\"_blank\" rel=\"noreferrer noopener\">CONDUSEF<\/a>. Los costos se pueden modificar de acuerdo a la informaci\u00f3n que proporciones.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Factores_que_afectan_el_precio_de_un_seguro_Qualitas\"><\/span><strong>Factores que afectan el precio de un seguro Qu\u00e1litas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Los precios de un seguro de auto pueden subir o bajar de acuerdo a los siguientes factores:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Del auto: Modelo, marca, submarca, a\u00f1o, usos del veh\u00edculo y lugares a circular.<\/li>\n\n\n\n<li>Del contratante: Edad, g\u00e9nero, ocupaci\u00f3n e historial de manejo. <\/li>\n\n\n\n<li>Coberturas: La m\u00e1s b\u00e1sica y barata disponible es la cobertura de da\u00f1os a terceros. <\/li>\n<\/ul>\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%BFIncluye_asistencia_vial_esta_cobertura\"><\/span><strong>\u00bfIncluye asistencia vial esta cobertura?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Todos nuestros paquetes incluyen <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/asistencia-vial-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">Asistencia Vial<\/a><\/strong> para nuestros asegurados en caso de requerir <strong>gr\u00faa, paso de corriente o recarga de gasolina<\/strong>. Compara nuestros paquetes para que elijas el que m\u00e1s se adecue a nuestras necesidades:&nbsp;<\/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;Amplia de seguro de auto<\/a><\/strong><\/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\">Paquete Plus Qu\u00e1litas<\/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;de seguro de coche<\/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\">Paquete B\u00e1sico 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>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<p>Recuerda que tambi\u00e9n contamos con <strong>cobertura b\u00e1sica estandarizada<\/strong> que si bien, te va a amparar ante da\u00f1os a terceros, <strong>no cuenta con otras coberturas<\/strong> <strong>para cubrir los da\u00f1os de tu propio veh\u00edculo<\/strong>, aun as\u00ed es la m\u00e1s econ\u00f3mica del mercado y puede ampararte ante pagos inesperados por un accidente vial.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Beneficios_de_contratar_con_Qualitas\"><\/span><strong>Beneficios de contratar con Qu\u00e1litas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Amplia red de talleres<\/strong> para las reparaciones de tu veh\u00edculo.<\/li>\n\n\n\n<li><strong>Coberturas flexibles<\/strong> que se adaptan a tus necesidades.&nbsp;<\/li>\n\n\n\n<li><strong>Acceso a la aplicaci\u00f3n QMovil<\/strong> para que todos tus tr\u00e1mites puedas realizarlos desde donde quieras de manera r\u00e1pida.&nbsp;<\/li>\n\n\n\n<li><strong>Contratas con la aseguradora l\u00edder en el mercado de seguros en M\u00e9xico.<\/strong> Que cuenta con un <strong>respaldo de m\u00e1s de 28 a\u00f1os<\/strong> de trabajo cuidando el patrimonio de miles de mexicanos.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_tener_seguro_de_danos_a_terceros_en_Mexico\"><\/span><strong>\u00bfEs obligatorio tener seguro de da\u00f1os a terceros en M\u00e9xico?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>S\u00ed.<\/strong> La ley establece que todos los veh\u00edculos deben contar con al menos un seguro de responsabilidad civil para cubrir da\u00f1os a terceros. La <strong>multa de transito<\/strong> por no contar con esta cobertura va de los $2,000 y $4,500 pesos aproximadamente, adem\u00e1s del riesgo de pagar un accidente por cuenta propia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_NO_cubre_esta_cobertura\"><\/span><strong>\u00bfQu\u00e9 NO cubre esta cobertura?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Las exclusiones del seguro de da\u00f1os a terceros son: <\/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 total o parcial<\/li>\n\n\n\n<li>Da\u00f1os por desastres naturales<\/li>\n\n\n\n<li>Conducir en estado de ebriedad<\/li>\n\n\n\n<li>Uso indebido del veh\u00edculo<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_reportar_un_siniestro_con_Qualitas\"><\/span><strong>\u00bfC\u00f3mo reportar un siniestro con Qu\u00e1litas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Para reportar un siniestro vial con Qu\u00e1litas debes seguir los siguientes pasos:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Comun\u00edcate al n\u00famero de atenci\u00f3n de siniestros.<br><\/strong>Tel\u00e9fono Qu\u00e1litas: 800 800 2021, disponible 24\/7. Deber\u00e1s tener a la mano tu n\u00famero de p\u00f3liza, nombre completo y ubicaci\u00f3n del incidente.<\/li>\n\n\n\n<li><strong>Recibe al ajustador en el lugar del accidente.<\/strong><strong><br><\/strong>Evaluar\u00e1 los da\u00f1os y te dir\u00e1 cu\u00e1les son los pasos a seguir.&nbsp;<\/li>\n\n\n\n<li><strong>Revisi\u00f3n de da\u00f1os y cobertura<\/strong><strong><br><\/strong>El ajustador determina si los da\u00f1os est\u00e1n cubiertos con tu p\u00f3liza, adem\u00e1s, te informa sobre si al coche debe ser trasladado a un taller o agencia.<\/li>\n\n\n\n<li><strong>Elaboraci\u00f3n del reporte del siniestro<\/strong><strong><br><\/strong>Se levanta el reporte que debes firmar, con este documento ser\u00e1 importante para el seguimiento del tr\u00e1mite y autorizar las reparaciones o indemnizaci\u00f3n.<\/li>\n\n\n\n<li><strong>Reparaci\u00f3n o indemnizaci\u00f3n<\/strong>\n<ul class=\"wp-block-list\">\n<li>Si el da\u00f1o es reparable, Qu\u00e1litas enviar\u00e1 tu auto a un taller autorizado.<\/li>\n\n\n\n<li>Si el veh\u00edculo fue declarado <strong>p\u00e9rdida total<\/strong> o fue robado, se inicia el proceso de indemnizaci\u00f3n, seg\u00fan el valor comercial o convenido de tu <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/poliza-de-seguro-de-auto-qualitas\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza de seguro<\/a>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Seguimiento del caso<br><\/strong>Puedes consultar el estatus del siniestro en l\u00ednea desde el portal Qu\u00e1litas o con el agente. El tiempo de resoluci\u00f3n puede variar de acuerdo a la complejidad del caso.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_cobertura_de_terceros_cubre_lesiones_personales\"><\/span><strong>\u00bfLa cobertura de terceros cubre lesiones personales?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Todos nuestros paquetes de seguro de auto cubren Gastos M\u00e9dicos a ocupantes. <\/strong>Debes tener en cuenta esta cobertura, ya que te <strong>puede ayudar en momentos decisivos<\/strong> para cuidar a tu familia despu\u00e9s de un siniestro. Puesto que, desafortunadamente, nadie se encuentra exento de sufrir un siniestro.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Requisitos_para_contratar_con_Qualitas\"><\/span><strong>Requisitos para contratar con Qu\u00e1litas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Tus datos:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\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&nbsp;<\/li>\n\n\n\n<li>Identificaci\u00f3n oficial<\/li>\n<\/ul>\n\n\n\n<p><strong>Los de tu coche:&nbsp;<\/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<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cotiza_tu_seguro_de_responsabilidad_civil_en_linea\"><\/span><strong>Cotiza tu seguro de responsabilidad civil en l\u00ednea<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u00a1Cotiza hoy mismo tu seguro de auto con Qu\u00e1litas desde la comodidad de tu casa! <\/strong>Solo debes <strong>ingresar tus datos a nuestro formulario<\/strong> y en minutos<strong> te brindaremos una cotizaci\u00f3n personalizada<\/strong> para que puedas comparar las coberturas que te ofrecemos para cuidar tu patrimonio. Descubre cu\u00e1nto pagas seg\u00fan tu ciudad o modelo.&nbsp;<\/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%BFEl_seguro_de_terceros_cubre_lesiones_personales\"><\/span><strong>\u00bfEl seguro de terceros cubre lesiones personales?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, cubre lesiones a terceros. Adem\u00e1s, algunos paquetes incluyen gastos m\u00e9dicos a ocupantes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_suma_asegurada_de_Qualitas\"><\/span><strong>\u00bfCu\u00e1l es la suma asegurada de Qualitas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generalmente desde $250,000 pesos, pero puede aumentar seg\u00fan el plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_contratar_solo_responsabilidad_civil\"><\/span><strong>\u00bfPuedo contratar solo responsabilidad civil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, existe la <a href=\"https:\/\/qualitassegurodeauto.com.mx\/blog\/cobertura-basica-qualitas-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">cobertura b\u00e1sica estandarizada<\/a>, que es la opci\u00f3n m\u00e1s econ\u00f3mica.<\/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 elementales que puedes contratar para tu auto en Qu\u00e1litas por protecci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":826,"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":[12],"tags":[14,19],"class_list":["post-825","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>Seguro Qu\u00e1litas da\u00f1os a terceros | Cobertura obligatoria en 2026<\/title>\r\n<meta name=\"description\" content=\"Seguro por da\u00f1os a terceros de Qu\u00e1litas, cu\u00e1nto cuesta, sus beneficios. \u00a1Evita multas de hasta $4,525.60 y protege tu auto!\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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