{"id":802,"date":"2026-04-10T19:06:22","date_gmt":"2026-04-10T19:06:22","guid":{"rendered":"https:\/\/chubbsegurodeauto.com.mx\/blog\/?p=802"},"modified":"2026-07-16T17:07:29","modified_gmt":"2026-07-16T17:07:29","slug":"deducible-chubb","status":"publish","type":"post","link":"https:\/\/chubbsegurodeauto.com.mx\/blog\/deducible-chubb\/","title":{"rendered":"\u00bfQu\u00e9 es y c\u00f3mo funciona el deducible Chubb?"},"content":{"rendered":"\n<p>Contratar un <a href=\"https:\/\/chubbsegurodeauto.com.mx\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguro de auto<\/a> implica que debes conocer todos los componentes y como es que te podr\u00e1n amparar ante posibles siniestros. Es por eso que hoy te explicaremos lo que es un <strong>deducible en Chubb<\/strong>.<\/p>\n\n\n\n<p>Un deducible es el monto que el asegurado pagara por evento para que la aseguradora pueda pagar el restante y continuar con las reparaciones de tu veh\u00edculo. Cuando contratas tu seguro de auto en la car\u00e1tula de tu <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/poliza-chubb-2\/\" target=\"_blank\" rel=\"noreferrer noopener\">p\u00f3liza del seguro<\/a> debe aparecer el deducible que vas a pagar por evento.<\/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\/deducible-chubb\/#%C2%BFComo_funciona_el_deducible_en_un_seguro_de_auto\" >\u00bfC\u00f3mo funciona el deducible en un seguro de auto?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/deducible-chubb\/#%C2%BFCuando_aplica_el_deducible_Chubb\" >\u00bfCu\u00e1ndo aplica el deducible Chubb?<\/a><\/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\/deducible-chubb\/#%C2%BFCuando_no_aplica_el_deducible\" >\u00bfCu\u00e1ndo no aplica el deducible?<\/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\/deducible-chubb\/#%C2%BFComo_se_calcula_el_deducible_en_caso_de_siniestro\" >\u00bfC\u00f3mo se calcula el deducible en caso de siniestro?<\/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\/deducible-chubb\/#%C2%BFCuanto_se_paga_de_deducible_en_Chubb\" >\u00bfCu\u00e1nto se paga de deducible en Chubb?<\/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\/deducible-chubb\/#%C2%BFEn_que_casos_conviene_un_deducible_alto_o_bajo\" >\u00bfEn qu\u00e9 casos conviene un deducible alto o bajo?<\/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\/deducible-chubb\/#%C2%BFEl_deducible_afecta_la_prima\" >\u00bfEl deducible afecta la prima?<\/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\/deducible-chubb\/#%C2%BFQue_relacion_tiene_el_deducible_con_la_suma_asegurada\" >\u00bfQu\u00e9 relaci\u00f3n tiene el deducible con la suma asegurada?<\/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\/deducible-chubb\/#Cotiza_tu_seguro\" >Cotiza tu seguro<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/deducible-chubb\/#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-11\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/deducible-chubb\/#%C2%BFEl_deducible_aplica_en_todos_los_siniestros\" >\u00bfEl deducible aplica en todos los siniestros?<\/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\/deducible-chubb\/#%C2%BFEl_deducible_se_paga_por_cada_evento\" >\u00bfEl deducible se paga por cada evento?<\/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\/deducible-chubb\/#%C2%BFSe_puede_modificar_el_deducible\" >\u00bfSe puede modificar el deducible?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_funciona_el_deducible_en_un_seguro_de_auto\"><\/span><strong>\u00bfC\u00f3mo funciona el deducible en un seguro de auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El deducible en un seguro de auto funciona como una participaci\u00f3n econ\u00f3mica del asegurado en caso de siniestro. Es decir, cuando ocurre un accidente, t\u00fa cubres una parte del da\u00f1o y la aseguradora paga el resto, siempre y cuando el monto supere el deducible establecido en tu p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_aplica_el_deducible_Chubb\"><\/span><strong>\u00bfCu\u00e1ndo aplica el deducible Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Los deducibles aplican en los siguientes casos:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/danos-materiales-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Da\u00f1os materiales Chubb<\/a>:<\/strong> Normalmente, para da\u00f1os materiales se tiene un deducible del 10%, es decir, del monto total resultante del siniestro t\u00fa solo vas a pagar un 10% de ese total.&nbsp;<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/robo-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">Robo Chubb total<\/a><\/strong>: En el caso de robo, el deducible es del 5% para que la aseguradora pueda continuar con la indemnizaci\u00f3n o reparaciones.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_no_aplica_el_deducible\"><\/span><strong>\u00bfCu\u00e1ndo no aplica el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El deducible no aplica en las siguientes coberturas:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/chubb-responsabilidad-civil\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cobertura de Responsabilidad Civil<\/a>.<\/li>\n\n\n\n<li>Gastos M\u00e9dicos.<\/li>\n\n\n\n<li>Asistencia vial.<\/li>\n\n\n\n<li>Responsabilidad Civil en el extranjero.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_calcula_el_deducible_en_caso_de_siniestro\"><\/span><strong>\u00bfC\u00f3mo se calcula el deducible en caso de siniestro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El c\u00e1lculo del deducible se realiza con base en el tipo de cobertura:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Da\u00f1os materiales:<\/strong> Se aplica un porcentaje sobre el valor de la reparaci\u00f3n.<\/li>\n\n\n\n<li><strong>Robo total:<\/strong> Se calcula sobre el valor comercial del veh\u00edculo al momento del siniestro.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Deducible-chubb-1.png\" alt=\"Deducible chubb\" class=\"wp-image-1367\" srcset=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Deducible-chubb-1.png 768w, https:\/\/chubbsegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Deducible-chubb-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%BFCuanto_se_paga_de_deducible_en_Chubb\"><\/span><strong>\u00bfCu\u00e1nto se paga de deducible en Chubb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Imagina:&nbsp;<\/p>\n\n\n\n<p>Sof\u00eda conduc\u00eda rumbo al trabajo cuando un coche fren\u00f3 de golpe frente a ella. No pudo evitar el impacto. Aunque el choque no fue grave, su auto qued\u00f3 con la fascia da\u00f1ada y una luz rota.<br>En medio del estr\u00e9s, record\u00f3 que ten\u00eda seguro de auto:<\/p>\n\n\n\n<p>Cuando lleg\u00f3 al m\u00f3dulo de atenci\u00f3n, el ajustador evalu\u00f3 el da\u00f1o.<\/p>\n\n\n\n<p>\u2014\u201cLa reparaci\u00f3n costar\u00e1 $12,000. Tu p\u00f3liza tiene un deducible del 5% en Da\u00f1os Materiales. Eso significa que t\u00fa pagar\u00e1s $600 y Chubb cubrir\u00e1 el resto<em>.\u201d<\/em><\/p>\n\n\n\n<p>Sof\u00eda respir\u00f3 tranquila. No ten\u00eda que pagar toda la reparaci\u00f3n; solo el deducible, esa parte que el asegurado asume para activar la cobertura.<\/p>\n\n\n\n<p>Dos d\u00edas despu\u00e9s, su auto estaba reparado y luciendo como nuevo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEn_que_casos_conviene_un_deducible_alto_o_bajo\"><\/span><strong>\u00bfEn qu\u00e9 casos conviene un deducible alto o bajo?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Elegir el deducible adecuado depende de tu situaci\u00f3n financiera:<\/p>\n\n\n\n<p><strong>Deducible alto:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reduce el costo de la prima<\/li>\n\n\n\n<li>Implica mayor gasto en caso de siniestro<\/li>\n<\/ul>\n\n\n\n<p><strong>Deducible bajo:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aumenta la prima<\/li>\n\n\n\n<li>Reduce el desembolso al momento de un accidente<\/li>\n<\/ul>\n\n\n\n<p>Si usas tu auto con frecuencia o en zonas de alto riesgo, puede ser m\u00e1s conveniente un deducible bajo. Si buscas ahorrar en tu seguro y puedes asumir un gasto mayor en caso de siniestro, un deducible alto puede ser una opci\u00f3n viable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_deducible_afecta_la_prima\"><\/span><strong>\u00bfEl deducible afecta la prima?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depende, si decides aumentar los deducibles, los costos de la <a href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/bajar-prima-chubb\/\" target=\"_blank\" rel=\"noreferrer noopener\">prima pueden bajar<\/a>. Aunque puede sonar como una opci\u00f3n para pagar menos por tu seguro de auto anual, debes tomar en cuenta que si sufres un siniestro, los montos que vas a pagar van a ser m\u00e1s elevados y podr\u00edan convertirse en un problema para pagar, por lo que las reparaciones pueden demorar m\u00e1s en realizarse. Recomendamos mantener los porcentajes que ya te ofrece Chubb en tu contrato, ya que son la mejor opci\u00f3n pensada para ti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_relacion_tiene_el_deducible_con_la_suma_asegurada\"><\/span><strong>\u00bfQu\u00e9 relaci\u00f3n tiene el deducible con la suma asegurada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La suma asegurada es el monto m\u00e1ximo que la aseguradora pagar\u00e1 en caso de siniestro, mientras que el deducible es la parte que t\u00fa debes cubrir. Ambos conceptos est\u00e1n directamente relacionados, ya que el deducible se descuenta del monto total que cubrir\u00e1 la aseguradora. Entender esta diferencia es clave para saber cu\u00e1nto recibir\u00e1s realmente en caso de p\u00e9rdida o da\u00f1o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cotiza_tu_seguro\"><\/span><strong>Cotiza tu seguro<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ingresa tus datos a nuestro cotizador y conoce los deducibles y los costos de las primas que tenemos para ti. El tr\u00e1mite es sin costo y si te gusta la cotizaci\u00f3n puedes contratar en minutos completamente en l\u00ednea pagando a MSI. <strong>Consigue el mejor seguro de auto hoy.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_deducible_aplica_en_todos_los_siniestros\"><\/span><strong>\u00bfEl deducible aplica en todos los siniestros?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No, depende de la cobertura. Por ejemplo, en responsabilidad civil generalmente no se paga deducible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_deducible_se_paga_por_cada_evento\"><\/span><strong>\u00bfEl deducible se paga por cada evento?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, se paga cada vez que ocurre un siniestro cubierto por la p\u00f3liza.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_modificar_el_deducible\"><\/span><strong>\u00bfSe puede modificar el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, al momento de contratar o renovar tu seguro puedes elegir diferentes opciones.<\/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>Contratar un seguro de auto implica que debes conocer todos los componentes y como es que te podr\u00e1n amparar ante [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":1368,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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