{"id":778,"date":"2026-07-17T15:55:15","date_gmt":"2026-07-17T15:55:15","guid":{"rendered":"https:\/\/chubbsegurodeauto.com.mx\/blog\/?p=778"},"modified":"2026-07-17T15:55:46","modified_gmt":"2026-07-17T15:55:46","slug":"chubb-responsabilidad-civil","status":"publish","type":"post","link":"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/","title":{"rendered":"Seguro de Responsabilidad Civil Chubb | \u00bfQu\u00e9 cubre y c\u00f3mo funciona?"},"content":{"rendered":"\n<p>Un <strong>seguro de responsabilidad civil<\/strong> es ideal si lo que buscas es un seguro barato y simple, que te ayude con gastos inesperados por un siniestro. Este tipo de seguro es el m\u00e1s importante ya que es obligatorio en M\u00e9xico desde el 2014 de acuerdo al <a href=\"https:\/\/www.condusef.gob.mx\/?p=contenido&amp;idc=630&amp;idcat=1\" target=\"_blank\" rel=\"noreferrer noopener\">art\u00edculo 63 Bis de la Ley de Caminos, Puentes y Autotransporte Federal<\/a>. Hoy te explicamos todo lo que debes de saber sobre un seguro de responsabilidad civil veh\u00edcular en Chubb.\u00a0<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 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:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_es_un_seguro_de_Responsabilidad_Civil\" >\u00bfQu\u00e9 es un seguro de Responsabilidad Civil?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_cubre_la_poliza_de_responsabilidad_civil\" >\u00bfQu\u00e9 cubre la p\u00f3liza de responsabilidad civil?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_no_cubre_la_proteccion_de_responsabilidad_civil\" >\u00bfQu\u00e9 no cubre la protecci\u00f3n de responsabilidad civil?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFCuanto_cuesta_contratar_una_poliza_de_Responsabilidad_Civil_en_Chubb\" >\u00bfCu\u00e1nto cuesta contratar una p\u00f3liza de Responsabilidad Civil en Chubb?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFCual_es_la_diferencia_entre_cobertura_basica_y_amplia\" >\u00bfCu\u00e1l es la diferencia entre cobertura b\u00e1sica y amplia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFComo_reportar_un_siniestro_con_Chubb\" >\u00bfC\u00f3mo reportar un siniestro con Chubb?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_beneficios_ofrece_Chubb_frente_a_otras_aseguradoras\" >\u00bfQu\u00e9 beneficios ofrece Chubb frente a otras aseguradoras?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFPuedo_contratar_el_seguro_en_linea\" >\u00bfPuedo contratar el seguro en l\u00ednea?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#Preguntas_frecuentes\" >Preguntas frecuentes:&nbsp;<\/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:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_incluye_el_seguro_de_Responsabilidad_Civil\" >\u00bfQu\u00e9 incluye el seguro de Responsabilidad Civil?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFQue_tan_recomendable_es_Chubb_seguros\" >\u00bfQu\u00e9 tan recomendable es Chubb seguros?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFSe_puede_pagar_a_MSI_esta_poliza\" >\u00bfSe puede pagar a MSI esta p\u00f3liza?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/#%C2%BFLa_responsabilidad_civil_cubre_mi_propio_automovil\" >\u00bfLa responsabilidad civil cubre mi propio autom\u00f3vil?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_seguro_de_Responsabilidad_Civil\"><\/span><strong>\u00bfQu\u00e9 es un seguro de Responsabilidad Civil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Este seguro obligatorio sirve para cubrir los da\u00f1os causados a terceros.<\/strong> Este tipo de <a href=\"https:\/\/chubbsegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguro de auto<\/a> que ampara los da\u00f1os sin necesidad de pagar deducibles, por lo que te puede ayudar a evitar los gastos por chocar a otro veh\u00edculo o da\u00f1ar a terceros (motos, bardas, postes, etc), aun cuando sea tu responsabilidad.\u00a0<\/p>\n\n\n\n<p>Imagina que vas en una calle muy transitada y por un momento pierdes la concentraci\u00f3n, lo siguiente que sientes es un golpe, te das cuenta que no pudiste frenar a tiempo y ahora debes hacerte responsable por los da\u00f1os. Sin seguro tu deberas hacer el tr\u00e1mite con el otro conductor y llegar a un acuerdo del dinero a pagar para reparar los da\u00f1os. Con seguro es mucho m\u00e1s simple ya que un ajustador Chubb te indicar\u00e1 los tr\u00e1mites a seguir y llegar\u00e1 a un acuerdo con el otro conductor sin necesidad de que t\u00fa pagues nada.&nbsp;<\/p>\n\n\n\n<p>Esa es la importancia de este tipo de seguro. <strong>Te puede salvar de pagar costos por da\u00f1ar la propiedad de otro veh\u00edculo<\/strong>, adem\u00e1s de ofrecerte atenci\u00f3n de personal preparado para responder a todo tipo de siniestro.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-1.png\" alt=\"Chubb seguro de responsabilidad civil\" class=\"wp-image-1524\" srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-1.png 768w, https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-1-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_la_poliza_de_responsabilidad_civil\"><\/span><strong>\u00bfQu\u00e9 cubre la p\u00f3liza de responsabilidad civil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da\u00f1os que causes a otro veh\u00edculo derivado de un siniestro vial.<\/li>\n\n\n\n<li>Servicios m\u00e9dicos resultado de un siniestro vial a terceros.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_no_cubre_la_proteccion_de_responsabilidad_civil\"><\/span><strong>\u00bfQu\u00e9 no cubre la protecci\u00f3n de responsabilidad civil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/danos-materiales-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Da\u00f1os a tu propio veh\u00edculo<\/a> causados por un siniestro vial.<\/li>\n\n\n\n<li><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/gastos-medicos-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gastos m\u00e9dicos <\/a>de los pasajeros en tu veh\u00edculo, as\u00ed como los tuyos.&nbsp;<\/li>\n\n\n\n<li>Servicios de gr\u00faa o <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/asistencia-vial-en-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">asistencia vial<\/a> para tu coche.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_contratar_una_poliza_de_Responsabilidad_Civil_en_Chubb\"><\/span><strong>\u00bfCu\u00e1nto cuesta contratar una p\u00f3liza de Responsabilidad Civil en Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Esta cobertura es la m\u00e1s barata y accesible del mercado si se contrata por separado. Te brindamos algunos ejemplos de los precios de una <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/descarga-poliza-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza en Chubb<\/a> por modelo de auto:\u00a0<\/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>Modelo<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>A\u00f1o de referencia<\/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\">Nissan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Versa<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $5,800<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $7,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $12,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Nissan<\/td><td class=\"has-text-align-center\" data-align=\"center\">Sentra<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $9,200<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $16,400<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Chevrolet<\/td><td class=\"has-text-align-center\" data-align=\"center\">Aveo<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $5,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $7,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $13,100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volkswagen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Vento<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $5,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,200<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $13,600<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Volkswagen<\/td><td class=\"has-text-align-center\" data-align=\"center\">Jetta<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $10,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $19,100<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Mazda<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mazda 2<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,500<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $14,000<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Mazda<\/td><td class=\"has-text-align-center\" data-align=\"center\">Mazda 3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,800<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $9,800<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $16,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kia<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rio<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $5,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,300<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $13,800<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Kia<\/td><td class=\"has-text-align-center\" data-align=\"center\">K3<\/td><td class=\"has-text-align-center\" data-align=\"center\">2024-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,100<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $14,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Toyota<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yaris<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,200<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $14,800<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Toyota<\/td><td class=\"has-text-align-center\" data-align=\"center\">Corolla<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $10,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $17,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Honda<\/td><td class=\"has-text-align-center\" data-align=\"center\">City<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,300<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $9,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $15,300<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Honda<\/td><td class=\"has-text-align-center\" data-align=\"center\">Civic<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $7,300<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $10,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $18,500<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Hyundai<\/td><td class=\"has-text-align-center\" data-align=\"center\">Grand i10<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $5,700<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $7,900<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $13,300<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">MG<\/td><td class=\"has-text-align-center\" data-align=\"center\">MG5<\/td><td class=\"has-text-align-center\" data-align=\"center\">2023-2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $6,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $8,600<\/td><td class=\"has-text-align-center\" data-align=\"center\">Desde $15,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Como puedes ver los precios de la cobertura b\u00e1sica son los m\u00e1s accesibles, pero debes tener en cuenta que solo te da acceso a la responsabilidad civil. <strong>Los otros paquetes pueden ofrecerte m\u00e1s beneficios para cuidar de tu auto m\u00e1s all\u00e1 de los da\u00f1os que puedas causar.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-2.png\" alt=\"Chubb seguro de responsabilidad civil\" class=\"wp-image-1525\" srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-2.png 768w, https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/11\/Chubb-seguro-de-responsabilidad-civil-2-300x156.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_la_diferencia_entre_cobertura_basica_y_amplia\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre cobertura b\u00e1sica y amplia?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p> A continuaci\u00f3n puedes comparar y elegir la cobertura perfecta para ti:\u00a0<\/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:\/\/chubbsegurodeauto.com.mx\/blog\/cobertura-integral-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura Integral Chubb<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/conoce-la-cobertura-amplia-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de seguro Amplia<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/cobertura-limitada-chubb-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de auto Limitada<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Responsabilidad Civil<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil (Da\u00f1os a Terceros)<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Seguro de Responsabilidad Civil Familiar<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Seguro de Responsabilidad Civil Familiar<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Gastos M\u00e9dicos Ocupantes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Gastos M\u00e9dicos Ocupantes<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia legal<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia legal<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia en Viaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia en Viaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia en Viaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Asistencia en Viaje<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Responsabilidad Civil Personas<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Responsabilidad Civil Personas<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713\u00a0<br><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/robo-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Robo total<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Robo total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Robo total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713&nbsp;<br>Gestor\u00eda Vial<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Gestor\u00eda Vial<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Cobertura de Da\u00f1os materiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Cobertura de Da\u00f1os materiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cobertura de Da\u00f1os materiales<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cobertura de Da\u00f1os materiales<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/auto-relevo-plus\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0Auto Relevo Plus<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Auto Relevo Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo Plus<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo Plus<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>Auto Relevo P\u00e9rdida Total<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Auto Relevo P\u00e9rdida Total<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2713<br>&nbsp;Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2717<br>Cl\u00e1usula de Extensi\u00f3n Limitada<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Esta cobertura es una de las m\u00e1s baratas que vas a encontrar, va de los $3,000 pesos, hasta los $6,000 pesos<\/strong>. Depende de distintos factores, como si contratas coberturas extras para tu auto, el modelo de tu veh\u00edculo y los datos personales de cada asegurado.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_reportar_un_siniestro_con_Chubb\"><\/span><strong>\u00bfC\u00f3mo reportar un siniestro con Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Despu\u00e9s de un siniestro vial, comun\u00edcate a la l\u00ednea <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-telefono\/\" target=\"_blank\" rel=\"noreferrer noopener\">telef\u00f3nica Chubb<\/a> con el n\u00famero: <strong>55 1253 3939<\/strong> o realiza el reporte directamente desde tu <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/app-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">app Chubb<\/a>.<\/li>\n\n\n\n<li>Espera a tu ajustador o ve su trayecto directamente en tu app.<\/li>\n\n\n\n<li>El ajustador determinar\u00e1 responsabilidades y en caso de que seas responsable, se encargar\u00e1 de los tr\u00e1mites para reparar los da\u00f1os del otro veh\u00edculo.<\/li>\n<\/ul>\n\n\n\n<p><strong>Recuerda<\/strong>: En este caso no deber\u00e1s pagar <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/deducible-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">deducibles Chubb<\/a>.<\/p>\n\n\n<a class='wp-block-image aligncenter size-large' href=\"https:\/\/chubbsegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">\n  <picture>\n    <!-- Imagen para pantallas peque\u00f1as (m\u00f3vil) -->\n    <source media=\"(max-width: 590px)\"\n            srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-3.png\" \/>\n    <!-- Imagen para pantallas grandes (escritorio) -->\n    <source media=\"(min-width: 591px)\"\n            srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-2.png\" \/>\n    <!-- Fallback para navegadores que no soportan <picture> -->\n    <img src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2025\/08\/banner-chubb-2-2.png\"\n         alt=\"Banner Chubb Seguros\" loading=\"lazy\" decoding=\"async\" \/>\n  <\/picture>\n<\/a>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_beneficios_ofrece_Chubb_frente_a_otras_aseguradoras\"><\/span><strong>\u00bfQu\u00e9 beneficios ofrece Chubb frente a otras aseguradoras?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Todas <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/coberturas-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">nuestras coberturas<\/a> te amparan por Responsabilidad Civil<\/strong>. <\/li>\n\n\n\n<li>Somos una aseguradora que cuenta con <strong>m\u00e1s de 400 ajustadores activos disponibles para ti en caso de siniestro.<\/strong><\/li>\n\n\n\n<li>De acuerdo a nuestra estad\u00edstica de 2021, <strong>llegamos en menos de 60 minutos a tu lugar de siniestro en al menos un 99% de las veces.<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>En al menos 8 de cada 10 veces entregamos tu auto en el tiempo estimado que prometi\u00f3 el taller.&nbsp;<\/strong><\/li>\n\n\n\n<li>De acuerdo con datos de la<strong> <a href=\"https:\/\/www.condusef.gob.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">CONDUSEF<\/a>, que evalu\u00f3 la transparencia financiera del seguro de auto residente, Chubb <\/strong>fue una de las aseguradoras que<strong> cumpli\u00f3 con todo lo requerido y aprob\u00f3 con una calificaci\u00f3n de 8.9.\u00a0\u00a0<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-atencion-al-cliente\/\" target=\"_blank\" rel=\"noreferrer noopener\">Servicio al cliente<\/a> 24\/7 y acompa\u00f1amiento en los momentos m\u00e1s complicados.<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_contratar_el_seguro_en_linea\"><\/span><strong>\u00bfPuedo contratar el seguro en l\u00ednea?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ingresa tus datos a nuestro formulario.<\/li>\n\n\n\n<li>Cotiza, compara y elige el seguro adecuado para ti.&nbsp;<\/li>\n\n\n\n<li>Contrata en l\u00ednea con 15% de descuento.&nbsp;<\/li>\n\n\n\n<li>\u00a1Disfruta de los <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/beneficios-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">beneficios inigualables<\/a> que te ofrece Chubb!<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes:&nbsp;<\/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%BFQue_incluye_el_seguro_de_Responsabilidad_Civil\"><\/span><strong>\u00bfQu\u00e9 incluye el seguro de Responsabilidad Civil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ampara los da\u00f1os causados a terceros, asistencias viales y gastos m\u00e9dicos.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_tan_recomendable_es_Chubb_seguros\"><\/span><strong>\u00bfQu\u00e9 tan recomendable es Chubb seguros?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>De acuerdo a la CONDUSEF tiene una calificaci\u00f3n aprobatoria de 8.9, lo que los convierte en una de las mejores opciones en M\u00e9xico.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_pagar_a_MSI_esta_poliza\"><\/span><strong>\u00bfSe puede pagar a MSI esta p\u00f3liza?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, es posible pagar a MSI con tarjetas paricitpantes.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_responsabilidad_civil_cubre_mi_propio_automovil\"><\/span><strong>\u00bfLa responsabilidad civil cubre mi propio autom\u00f3vil?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No. Esta cobertura \u00fanicamente protege los da\u00f1os que causes a terceros. Para cubrir los da\u00f1os de tu veh\u00edculo es necesario contratar una cobertura amplia o Integral.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-03627597 wp-block-buttons-is-layout-flex\">\n  \n  <div class=\"wp-block-button is-style-circular\">\n    <a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" \n       href=\"https:\/\/chubbsegurodeauto.com.mx\/\" \n       target=\"_blank\" \n\n       rel=\"noreferrer noopener\">\n       \u00a1<strong>Cotiza ahora<\/strong>!\n    <\/a>\n  <\/div>\n  \n<\/div>\n\n\n<style>\n   .wp-block-button__link {\n   background-color: #01C1D6 !important; \n   color: #ffffff !important;\n  }\n\n  .wp-block-button__link:hover {\n    background-color: #018f9e !important; \/* Nuevo color al pasar el mouse *\/\n    transform: scale(1.05); \/* Peque\u00f1o zoom *\/\n    transition: all 0.3s ease; \/* Animaci\u00f3n suave *\/\n  }\n<\/style>\n\n<script>\n  const tipoform = \"auto\";\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Un seguro de responsabilidad civil es ideal si lo que buscas es un seguro barato y simple, que te ayude [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1297,"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":[18,25,20],"class_list":["post-778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chubb","tag-chubb-seguros","tag-responsabilidad-civil","tag-seguro-de-auto-chubb"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Seguro de responsabilidad civil Chubb | Cubre da\u00f1os a terceros<\/title>\r\n<meta name=\"description\" content=\"Conoce la cobertura de responsabilidad civil de Chubb. 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