{"id":876,"date":"2025-12-23T18:11:12","date_gmt":"2025-12-23T18:11:12","guid":{"rendered":"https:\/\/chubbsegurodeauto.com.mx\/blog\/?p=876"},"modified":"2025-12-23T18:11:14","modified_gmt":"2025-12-23T18:11:14","slug":"suma-asegurada-chubb","status":"publish","type":"post","link":"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/","title":{"rendered":"Suma asegurada en el seguro de auto Chubb: qu\u00e9 es y c\u00f3mo funciona"},"content":{"rendered":"\n<p>Conoce uno de los componentes m\u00e1s importantes de tu p\u00f3liza de seguro de auto Chubb: la suma asegurada. Descubre qu\u00e9 es, c\u00f3mo funciona, d\u00f3nde encontrarla y revisa ejemplos pr\u00e1cticos. <strong>Cotiza hoy tu seguro de auto y conoce la suma asegurada Chubb que podemos ofrecerte.<\/strong><\/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\/suma-asegurada-chubb\/#%C2%BFQue_es_y_como_funciona\" >\u00bfQu\u00e9 es y c\u00f3mo funciona?<\/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\/suma-asegurada-chubb\/#%C2%BFLa_suma_asegurada_aplica_a_todas_las_coberturas\" >\u00bfLa suma asegurada aplica a todas las coberturas?<\/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\/suma-asegurada-chubb\/#Factores_que_influyen_en_la_suma_asegurada\" >Factores que influyen en la suma asegurada<\/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:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#Valor_del_auto\" >Valor del auto<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#Valor_comercial_seguro_de_auto\" >Valor comercial seguro de auto:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#Valor_factura_seguro_Chubb\" >Valor factura seguro Chubb:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#Valor_convenido_seguro_de_auto\" >Valor convenido seguro de auto:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#Coberturas_contratadas\" >Coberturas contratadas<\/a><\/li><\/ul><\/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\/suma-asegurada-chubb\/#%C2%BFDonde_encontrar_la_suma_asegurada\" >\u00bfD\u00f3nde encontrar la suma asegurada?<\/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\/suma-asegurada-chubb\/#Cotiza_tu_poliza_y_conoce_la_suma_asegurada\" >Cotiza tu p\u00f3liza y conoce la suma asegurada<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-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-12\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#%C2%BFLa_suma_asegurada_es_lo_mismo_que_el_valor_del_auto\" >\u00bfLa suma asegurada es lo mismo que el valor del auto?<\/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\/suma-asegurada-chubb\/#%C2%BFQue_pasa_si_los_danos_superan_la_suma_asegurada\" >\u00bfQu\u00e9 pasa si los da\u00f1os superan la suma asegurada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/chubbsegurodeauto.com.mx\/blog\/suma-asegurada-chubb\/#%C2%BFLa_suma_asegurada_influye_en_el_precio_del_seguro\" >\u00bfLa suma asegurada influye en el precio del seguro?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_y_como_funciona\"><\/span><strong>\u00bfQu\u00e9 es y c\u00f3mo funciona?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>La suma asegurada es el monto m\u00e1ximo que Chubb va a desembolsar en un evento cubierto dentro de la p\u00f3liza.<\/strong><\/p>\n\n\n\n<p>Es decir, imagina que tu auto tiene un valor comercial de $250,000 pesos. Chocas y los da\u00f1os y reparaciones ascienden a $100,000 pesos. Debido a que este monto es mucho menor que el valor comercial, Chubb se encargar\u00e1 de cubrir los costos, mientras t\u00fa solo pagas un deducible del 10%, es decir, $10,000 pesos.<\/p>\n\n\n\n<p>Pero si los costos ascendieran a m\u00e1s de $250,000 pesos, t\u00fa tendr\u00edas que cubrir los gastos que sobrepasen ese monto. En casos de p\u00e9rdida total del auto, Chubb solo cubre el valor comercial de igual manera.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_suma_asegurada_aplica_a_todas_las_coberturas\"><\/span><strong>\u00bfLa suma asegurada aplica a todas las coberturas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No, la suma asegurada aplica generalmente en las siguientes coberturas:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Da\u00f1os materiales.<\/li>\n\n\n\n<li>Robo total.<\/li>\n\n\n\n<li>Responsabilidad civil.\u00a0<\/li>\n<\/ul>\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=\"Factores_que_influyen_en_la_suma_asegurada\"><\/span><strong>Factores que influyen en la suma asegurada<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_del_auto\"><\/span><strong>Valor del auto<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Existen distintos valores que se pueden asignar a tu auto dependiendo de cada situaci\u00f3n. A continuaci\u00f3n, te decimos cu\u00e1les son:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_comercial_seguro_de_auto\"><\/span><strong>Valor comercial seguro de auto:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Es el valor de tu auto en el mercado. No corresponde al precio original de compra, ya que se toma en cuenta la depreciaci\u00f3n y el precio promedio actual en el mercado, por lo que generalmente es menor al valor factura. Este valor se otorga a autos con m\u00e1s de 1 o 2 a\u00f1os de uso.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_factura_seguro_Chubb\"><\/span><strong>Valor factura seguro Chubb:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Es el valor por el cual se compr\u00f3 el veh\u00edculo y se basa en el importe de la factura. Este tipo de valor se brinda a autos nuevos con menos de 1 a\u00f1o de uso.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valor_convenido_seguro_de_auto\"><\/span><strong>Valor convenido seguro de auto:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En este tipo de valor, el asegurado y la aseguradora acuerdan el monto. Generalmente, se ofrece para autos especiales o de lujo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coberturas_contratadas\"><\/span><strong>Coberturas contratadas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En ocasiones, las coberturas espec\u00edficas pueden influir en la suma asegurada de tu seguro. Entre m\u00e1s amplias y espec\u00edficas sean las coberturas, mayor puede ser el costo de la suma asegurada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFDonde_encontrar_la_suma_asegurada\"><\/span><strong>\u00bfD\u00f3nde encontrar la suma asegurada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La suma asegurada Chubb la puedes encontrar directamente en tu p\u00f3liza de seguro de auto. Recuerda que en ella siempre aparecen los componentes m\u00e1s importantes de tu seguro: deducibles, sumas aseguradas, coberturas, fechas de renovaci\u00f3n, n\u00famero de p\u00f3liza y costo de la prima.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cotiza_tu_poliza_y_conoce_la_suma_asegurada\"><\/span><strong>Cotiza tu p\u00f3liza y conoce la suma asegurada<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Ingresa tus datos en el cotizador.<\/li>\n\n\n\n<li>Recibe tu cotizaci\u00f3n personalizada.<\/li>\n\n\n\n<li>Compara y elige.<\/li>\n\n\n\n<li>Paga en l\u00ednea a meses sin intereses.<\/li>\n\n\n\n<li>Disfruta de tu p\u00f3liza con suma asegurada 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:<\/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%BFLa_suma_asegurada_es_lo_mismo_que_el_valor_del_auto\"><\/span><strong>\u00bfLa suma asegurada es lo mismo que el valor del auto?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No necesariamente. La suma asegurada depende del tipo de valor contratado: comercial, factura o convenido.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_los_danos_superan_la_suma_asegurada\"><\/span><strong>\u00bfQu\u00e9 pasa si los da\u00f1os superan la suma asegurada?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>El asegurado debe cubrir la diferencia que exceda la suma asegurada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_suma_asegurada_influye_en_el_precio_del_seguro\"><\/span><strong>\u00bfLa suma asegurada influye en el precio del seguro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed. Entre mayor sea la suma asegurada, mayor ser\u00e1 el costo de la prima.<\/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>Conoce uno de los componentes m\u00e1s importantes de tu p\u00f3liza de seguro de auto Chubb: la suma asegurada. Descubre qu\u00e9 [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":877,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[18,20],"class_list":["post-876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chubb","tag-chubb-seguros","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>Suma asegurada Chubb | Qu\u00e9 es, c\u00f3mo funciona y ejemplos<\/title>\r\n<meta name=\"description\" content=\"Descubre qu\u00e9 es la suma asegurada en tu seguro de auto Chubb, c\u00f3mo funciona, ejemplos pr\u00e1cticos y c\u00f3mo elegir la correcta al cotizar.\" \/>\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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