{"id":964,"date":"2025-09-23T11:00:28","date_gmt":"2025-09-23T16:00:28","guid":{"rendered":"https:\/\/pre.segurosbolivar.com\/blog\/?p=964"},"modified":"2026-02-17T09:26:16","modified_gmt":"2026-02-17T14:26:16","slug":"cuales-son-las-diferencias-entre-el-soat-y-el-seguro-todo-riesgo","status":"publish","type":"post","link":"https:\/\/www.segurosbolivar.com\/blog\/movilidad\/cuales-son-las-diferencias-entre-el-soat-y-el-seguro-todo-riesgo\/","title":{"rendered":"\u00bfCu\u00e1les son las diferencias entre el Soat y el Seguro para Carro?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"964\" class=\"elementor elementor-964\" data-elementor-post-type=\"post\">\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-ac1870b e-flex e-con-boxed e-con e-parent\" data-id=\"ac1870b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2907760 elementor-widget elementor-widget-text-editor\" data-id=\"2907760\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Es muy com\u00fan que l<strong>as personas no tengan claras las funciones del <a href=\"https:\/\/www.segurosbolivar.com\/blog\/abc-de-seguros\/que-pasa-si-no-tiene-el-soat-o-esta-vencido\/\" target=\"_blank\" rel=\"noopener\">Soat<\/a> y d<\/strong><span style=\"font-weight: 400;\"><strong>el <a href=\"https:\/\/digital.experienciasbolivar.segurosbolivar.com\/seguro-para-carros?utm_source=Autopauta&amp;utm_medium=Blog_enlace&amp;utm_campaign=BG_carros_964\" target=\"_blank\" rel=\"noopener\">Seguro para Carro<\/a>.<\/strong> Es por est\u00e1 raz\u00f3n, que en muchas ocasiones cuando ocurre u<\/span><span style=\"font-weight: 400;\">n accidente las personas no saben qu\u00e9 hacer o a d\u00f3nde acudir y terminan, por ejemplo, buscando <\/span><span style=\"font-weight: 400;\">la ayuda de la compa\u00f1\u00eda donde adquirieron el Soat para que se hagan cargo de los da\u00f1os del veh\u00edculo.<\/span><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Por tal motivo, <strong>es muy importante conocer cu\u00e1les son las funciones que cumple cada p\u00f3liza y cu\u00e1les son sus diferencias.<\/strong> A continuaci\u00f3n le contamos m\u00e1s:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c04bc0b elementor-widget elementor-widget-html\" data-id=\"c04bc0b\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n  \/* --- Estilos Generales --- *\/\n  :root {\n    --bolivar-green: #05794A;\n    --bolivar-dark-green: #04613c; \n    --bolivar-light-green: #e6f2ed;\n    --bolivar-text-dark: #333;\n    --bolivar-text-light: #555;\n    --bolivar-border-color: #e0e0e0;\n  }\n\n  \/* --- Contenedor Principal del Carrusel --- *\/\n  .bolivar-carousel-container {\n    font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n    position: relative;\n    width: 100%;\n    max-width: 1200px;\n    margin: 40px auto;\n    padding: 0 35px;\n    box-sizing: border-box;\n  }\n\n  .bolivar-carousel-track-wrapper {\n      overflow: hidden;\n      padding-top: 20px; \n  }\n\n  .bolivar-carousel-track {\n    display: flex;\n    transition: transform 0.5s ease-in-out;\n  }\n\n  \/* --- Estilo de cada Tarjeta (Slide) --- *\/\n  .bolivar-carousel-slide {\n    flex: 0 0 100%;\n    box-sizing: border-box;\n    padding: 0 10px; \n  }\n\n  .bolivar-card {\n    background-color: #fff;\n    border: 1px solid var(--bolivar-border-color);\n    border-radius: 16px;\n    padding: 25px;\n    height: 100%;\n    display: flex;\n    flex-direction: column;\n    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);\n    position: relative;\n  }\n\n  \/* --- Etiquetas \"M\u00e1s vendido\" y \"M\u00e1s competitivo\" --- *\/\n  .bolivar-card-tag {\n    position: absolute;\n    top: -15px; \n    left: 50%;\n    transform: translateX(-50%);\n    background-color: var(--bolivar-light-green);\n    color: var(--bolivar-green);\n    padding: 5px 15px;\n    border-radius: 20px;\n    font-size: 13px;\n    font-weight: bold;\n    border: 1px solid var(--bolivar-border-color);\n    z-index: 5;\n  }\n  \n  .bolivar-card-tag.competitive {\n    background-color: #fff2c4;\n    color: var(--bolivar-text-dark);\n  }\n  \n  \/* --- Contenido de la Tarjeta --- *\/\n  .bolivar-card h3 { font-size: 24px; color: var(--bolivar-text-dark); margin-top: 20px; margin-bottom: 8px; }\n  .bolivar-card .card-description { font-size: 14px; color: var(--bolivar-text-light); min-height: 40px; margin-bottom: 20px; }\n  .bolivar-card .features-title { font-weight: bold; color: var(--bolivar-green); margin-bottom: 15px; font-size: 16px; }\n  \n  \/* --- ESTILOS PARA LISTA COLAPSABLE --- *\/\n  .bolivar-card-features {\n    list-style: none;\n    padding: 0;\n    margin: 0;\n    max-height: 0; \n    overflow: hidden;\n    transition: max-height 0.4s ease-out;\n    position: relative; \n  }\n  \n  .bolivar-card-features.is-expanded {\n    max-height: 500px; \n    overflow: visible; \n  }\n  .bolivar-card-features li { display: flex; align-items: flex-start; margin-bottom: 12px; font-size: 14px; color: var(--bolivar-text-light); }\n  .bolivar-card-features svg { flex-shrink: 0; margin-right: 10px; margin-top: 3px; }\n  .bolivar-card-features .icon-included { fill: var(--bolivar-green); }\n  .bolivar-card-features .icon-excluded { fill: #cc0000; }\n  .bolivar-card-features .icon-benefit { fill: var(--bolivar-text-light); }\n  \n  .bolivar-features-toggle {\n    display: inline-flex; \n    align-items: center;\n    align-self: center; \n    gap: 5px;\n    margin-top: 10px;\n    margin-bottom: 20px; \n    font-weight: bold;\n    color: var(--bolivar-green);\n    text-decoration: underline; \n    font-size: 16px; \n    cursor: pointer;\n    background-color: transparent; \n    border: none;\n    padding: 0;\n  }\n  \n  .bolivar-features-toggle.is-expanded-button {\n    background-color: var(--bolivar-light-green);\n    color: var(--bolivar-dark-green);\n    padding: 8px 15px;\n    border-radius: 25px;\n    text-decoration: none; \n    font-size: 16px;\n    font-weight: bold;\n    margin-top: 15px; \n  }\n  \n  .bolivar-features-toggle.is-expanded-button .icon-toggle {\n    display: none;\n  }\n\n  .bolivar-features-toggle .icon-toggle {\n    width: 20px; \n    height: 20px;\n    fill: var(--bolivar-green); \n    transition: transform 0.3s ease;\n  }\n  \/* --- FIN: ESTILOS PARA LISTA COLAPSABLE --- *\/\n\n  \/* --- Secci\u00f3n de Precio y Bot\u00f3n --- *\/\n  .bolivar-card-price-section { border-top: 1px solid var(--bolivar-border-color); padding-top: 20px; margin-top: auto; }\n  .bolivar-card .price-label { \n      font-size: 14px; \n      color: var(--bolivar-text-light); \n      margin-top: 5px; \/* Ajuste de margen *\/\n    }\n  .bolivar-card .price-amount { \n      font-size: 28px; \n      font-weight: bold; \n      color: var(--bolivar-text-dark); \n      margin: 0; \/* Ajuste de margen *\/\n    }\n  .bolivar-card .finance-info, .bolivar-card .benefits-info { font-size: 13px; color: var(--bolivar-text-light); margin-bottom: 15px; margin-top: 5px; }\n  .bolivar-card-button { display: block; width: 100%; background-color: var(--bolivar-green); color: #fff; text-align: center; padding: 15px; border-radius: 8px; text-decoration: none; font-weight: bold; font-size: 16px; transition: background-color 0.3s ease; border: none; cursor: pointer; }\n  .bolivar-card-button:hover { background-color: var(--bolivar-dark-green); }\n  \n  \/* --- Botones de Navegaci\u00f3n del Carrusel --- *\/\n  .bolivar-carousel-nav {\n    display: flex; \n    position: absolute;\n    top: 50%;\n    transform: translateY(-50%);\n    width: 35px;\n    height: 35px;\n    background-color: #fff;\n    border-radius: 50%;\n    border: 1px solid var(--bolivar-border-color);\n    cursor: pointer;\n    box-shadow: 0 2px 10px rgba(0,0,0,0.1);\n    z-index: 10;\n    justify-content: center;\n    align-items: center;\n  }\n  .bolivar-carousel-nav svg { width: 20px; height: 20px; stroke: var(--bolivar-green); }\n  .bolivar-carousel-nav:hover { background-color: #f5f5f5; }\n  .bolivar-carousel-nav.prev { left: 0; }\n  .bolivar-carousel-nav.next { right: 0; }\n  .bolivar-carousel-nav.hidden { display: none !important; }\n\n  \/* --- ESTILOS DE LA VENTANA MODAL --- *\/\n  #bolivar-modal-overlay { position: fixed; top: 0; left: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.7); z-index: 10000; display: none; justify-content: center; align-items: center; padding: 20px; box-sizing: border-box; }\n  #bolivar-modal-overlay.visible { display: flex; }\n  .bolivar-modal-content { background-color: white; border-radius: 12px; width: 100%; max-width: 980px; height: auto; max-height: 90vh; display: flex; flex-direction: column; position: relative; box-shadow: 0 5px 25px rgba(0,0,0,0.2); overflow: hidden; }\n  .bolivar-modal-close { position: absolute; top: 10px; right: 15px; background: none; border: none; font-size: 32px; font-weight: bold; color: #888; cursor: pointer; line-height: 1; z-index: 10; }\n  .bolivar-modal-body { flex-grow: 1; }\n  .iframe-container {\n    height: 540px; \n    width: 100%;\n  }\n  .iframe-container iframe { width: 100%; height: 100%; border: 0; }\n  \/* --- FIN ESTILOS MODAL --- *\/\n\n  \/* --- Responsive --- *\/\n  @media (min-width: 992px) {\n    .bolivar-carousel-container {\n      padding: 0 45px;\n    }\n    .bolivar-carousel-slide {\n      flex: 0 0 50%;\n      padding: 0 15px; \n    }\n    .bolivar-carousel-nav {\n      width: 40px;\n      height: 40px;\n    }\n  }\n<\/style>\n\n<div class=\"bolivar-carousel-container\">\n  <div class=\"bolivar-carousel-track-wrapper\">\n    <div class=\"bolivar-carousel-track\">\n      \n      <div class=\"bolivar-carousel-slide\">\n        <div class=\"bolivar-card\">\n          <div class=\"bolivar-card-tag\">M\u00e1s vendido<\/div>\n          <h3>Autos Premium <br>+ Cobertura 360<\/h3>\n          <p class=\"card-description\">Protecci\u00f3n completa para su carro y libertad para disfrutar de su bici o patineta.<\/p>\n          <p class=\"features-title\">As\u00ed protegemos su carro:<\/p>\n          \n          <ul class=\"bolivar-card-features\" id=\"bolivar-features-1\">\n            <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Cubrimos da\u00f1os a otras personas<\/li>\n            <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Da\u00f1o y hurto total o parcial del carro<\/li>\n            <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Veh\u00edculo de reemplazo hasta por 30 d\u00edas<\/li>\n            <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Deducible desde 0% - 0,8 SMMLV<\/li>\n            <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Protegemos sus recorridos en Bici, patineta o transporte p\u00fablico<\/li>\n          <\/ul>\n          \n          <button class=\"bolivar-features-toggle\" data-target=\"bolivar-features-1\">\n            <svg class=\"icon-toggle\" viewBox=\"0 0 24 24\"><path d=\"M12 4.5C7 4.5 2.73 7.61 1 12c1.73 4.39 6 7.5 11 7.5s9.27-3.11 11-7.5c-1.73-4.39-6-7.5-11-7.5zM12 17c-2.76 0-5-2.24-5-5s2.24-5 5-5 5 2.24 5 5-2.24 5-5 5zm0-8c-1.66 0-3 1.34-3 3s1.34 3 3 3 3-1.34 3-3-1.34-3-3-3z\"\/><\/svg>\n            <span>Ver detalle<\/span>\n          <\/button>\n          \n          <div class=\"bolivar-card-price-section\">\n            <p class=\"price-amount\">$3,863,600<\/p>\n            <p class=\"price-label\">A\u00f1o sin IVA desde:<\/p>\n            <p class=\"finance-info\">Financia tu seguro hasta en 10 meses pagando el 15% como cuota inicial.<\/p>\n            <p class=\"benefits-info\"><b>Beneficios diferenciales:<\/b><br><svg class=\"icon-benefit\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" style=\"vertical-align: middle; margin-right: 5px;\"><path d=\"M12 12c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm0 2c-2.67 0-8 1.34-8 4v2h16v-2c0-2.66-5.33-4-8-4z\"\/><\/svg>Peque\u00f1os accesorios por da\u00f1os o hurto<br><svg class=\"icon-benefit\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" style=\"vertical-align: middle; margin-right: 5px;\"><path d=\"M12 12c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm0 2c-2.67 0-8 1.34-8 4v2h16v-2c0-2.66-5.33-4-8-4z\"\/><\/svg>Asistencia full - conductor, mensajer\u00eda y m\u00e1s.<\/p>\n            <button class=\"bolivar-card-button open-modal-button\">Quiero cotizar<\/button>\n          <\/div>\n        <\/div>\n      <\/div>\n      \n      <div class=\"bolivar-carousel-slide\">\n        <div class=\"bolivar-card\">\n           <div class=\"bolivar-card-tag competitive\">M\u00e1s competitivo<\/div>\n           <h3>Autos Cl\u00e1sico<\/h3><p class=\"card-description\">Un seguro que le da la tranquilidad al tener cada detalle cubierto.<\/p><p class=\"features-title\">As\u00ed protegemos su carro:<\/p>\n           \n           <ul class=\"bolivar-card-features\" id=\"bolivar-features-2\">\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Cubrimos da\u00f1os a otras personas<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Da\u00f1o y hurto total o parcial del carro<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Deducible desde 0% - 1,25 SMMLV<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Veh\u00edculo de reemplazo<\/li>\n             <li><svg class=\"icon-excluded\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M19 6.41L17.59 5 12 10.59 6.41 5 5 6.41 10.59 12 5 17.59 6.41 19 12 13.41 17.59 19 19 17.59 13.41 12z\"\/><\/svg>Protegemos sus recorridos en Bici, patineta o transporte p\u00fablico<\/li>\n           <\/ul>\n           \n           <button class=\"bolivar-features-toggle\" data-target=\"bolivar-features-2\">\n             <svg class=\"icon-toggle\" viewBox=\"0 0 24 24\"><path d=\"M12 4.5C7 4.5 2.73 7.61 1 12c1.73 4.39 6 7.5 11 7.5s9.27-3.11 11-7.5c-1.73-4.39-6-7.5-11-7.5zM12 17c-2.76 0-5-2.24-5-5s2.24-5 5-5 5 2.24 5 5-2.24 5-5 5zm0-8c-1.66 0-3 1.34-3 3s1.34 3 3 3 3-1.34 3-3-1.34-3-3-3z\"\/><\/svg>\n             <span>Ver detalle<\/span>\n           <\/button>\n           \n           <div class=\"bolivar-card-price-section\">\n             <p class=\"price-amount\">$2,594,000<\/p>\n             <p class=\"price-label\">A\u00f1o sin IVA desde:<\/p>\n             <p class=\"finance-info\">Financia tu seguro hasta en 10 meses pagando el 15% como cuota inicial.<\/p>\n             <p class=\"benefits-info\"><b>Beneficios diferenciales:<\/b><br><svg class=\"icon-benefit\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" style=\"vertical-align: middle; margin-right: 5px;\"><path d=\"M12 12c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm0 2c-2.67 0-8 1.34-8 4v2h16v-2c0-2.66-5.33-4-8-4z\"\/><\/svg>Asistencia full - conductor, mensajer\u00eda y m\u00e1s.<\/p>\n             <button class=\"bolivar-card-button open-modal-button\">Quiero cotizar<\/button>\n           <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"bolivar-carousel-slide\">\n        <div class=\"bolivar-card\">\n           <h3>Autos Est\u00e1ndar<\/h3><p class=\"card-description\">Un seguro que le da la tranquilidad al tener cada detalle cubierto.<\/p><p class=\"features-title\">As\u00ed protegemos su carro:<\/p>\n           \n           <ul class=\"bolivar-card-features\" id=\"bolivar-features-3\">\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Cubrimos da\u00f1os a otras personas<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Da\u00f1o y hurto total o parcial del carro<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Veh\u00edculo de reemplazo hasta por 15 d\u00edas<\/li>\n             <li><svg class=\"icon-included\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41L9 16.17z\"\/><\/svg>Deducible desde 0% - 1 SMMLV<\/li>\n             <li><svg class=\"icon-excluded\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\"><path d=\"M19 6.41L17.59 5 12 10.59 6.41 5 5 6.41 10.59 12 5 17.59 6.41 19 12 13.41 17.59 19 19 17.59 13.41 12z\"\/><\/svg>Protegemos sus recorridos en Bici, patineta o transporte p\u00fablico<\/li>\n           <\/ul>\n           \n           <button class=\"bolivar-features-toggle\" data-target=\"bolivar-features-3\">\n             <svg class=\"icon-toggle\" viewBox=\"0 0 24 24\"><path d=\"M12 4.5C7 4.5 2.73 7.61 1 12c1.73 4.39 6 7.5 11 7.5s9.27-3.11 11-7.5c-1.73-4.39-6-7.5-11-7.5zM12 17c-2.76 0-5-2.24-5-5s2.24-5 5-5 5 2.24 5 5-2.24 5-5 5zm0-8c-1.66 0-3 1.34-3 3s1.34 3 3 3 3-1.34 3-3-1.34-3-3-3z\"\/><\/svg>\n             <span>Ver detalle<\/span>\n           <\/button>\n\n           <div class=\"bolivar-card-price-section\">\n             <p class=\"price-amount\">$3,197,000<\/p>\n             <p class=\"price-label\">A\u00f1o sin IVA desde:<\/p>\n             <p class=\"finance-info\">Financia tu seguro hasta en 10 meses pagando el 15% como cuota inicial.<\/p><p class=\"benefits-info\"><b>Beneficios diferenciales:<\/b><br><svg class=\"icon-benefit\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" style=\"vertical-align: middle; margin-right: 5px;\"><path d=\"M12 12c2.21 0 4-1.79 4-4s-1.79-4-4-4-4 1.79-4 4 1.79 4 4 4zm0 2c-2.67 0-8 1.34-8 4v2h16v-2c0-2.66-5.33-4-8-4z\"\/><\/svg>Asistencia full - conductor, mensajer\u00eda y m\u00e1s.<\/p>\n             <button class=\"bolivar-card-button open-modal-button\">Quiero cotizar<\/button>\n           <\/div>\n        <\/div>\n      <\/div>\n      \n    <\/div>\n  <\/div>\n  \n  <button class=\"bolivar-carousel-nav prev\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"15 18 9 12 15 6\"><\/polyline><\/svg><\/button>\n  <button class=\"bolivar-carousel-nav next\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"9 18 15 12 9 6\"><\/polyline><\/svg><\/button>\n<\/div>\n\n<div id=\"bolivar-modal-overlay\">\n  <div class=\"bolivar-modal-content\">\n    <button class=\"bolivar-modal-close\">&times;<\/button>\n    <div class=\"bolivar-modal-body\">\n      <div class=\"iframe-container\">\n        <iframe \n          id=\"cotizador-bolivar\" \n          name=\"cotizador-bolivar\" \n          src=\"https:\/\/digital.experienciasbolivar.segurosbolivar.com\/seguro-para-carros-form?utm_source=segurosbolivar.com&utm_medium=Blog&utm_campaign=Movilidad_formulario_964\" \n          scrolling=\"auto\" \n          allowtransparency=\"true\">\n        <\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function() {\n  \n  \/\/ L\u00d3GICA DEL CARRUSEL\n  const carousels = document.querySelectorAll('.bolivar-carousel-container');\n  carousels.forEach(carousel => {\n    const track = carousel.querySelector('.bolivar-carousel-track');\n    if (!track) return;\n    const slides = Array.from(track.children);\n    const nextButton = carousel.querySelector('.bolivar-carousel-nav.next');\n    const prevButton = carousel.querySelector('.bolivar-carousel-nav.prev');\n    if (slides.length <= 1) { \n      nextButton.style.display = 'none';\n      prevButton.style.display = 'none';\n      return;\n    }\n    let currentIndex = 0;\n    const updateCarousel = () => {\n      const slideWidth = slides[0].getBoundingClientRect().width;\n      track.style.transform = 'translateX(-' + slideWidth * currentIndex + 'px)';\n      \n      const containerWidth = carousel.querySelector('.bolivar-carousel-track-wrapper').offsetWidth;\n      let visibleSlides = 1; \n      if (window.innerWidth >= 992) { \n        visibleSlides = 2;\n      }\n\n      prevButton.classList.toggle('hidden', currentIndex === 0);\n      nextButton.classList.toggle('hidden', currentIndex >= slides.length - visibleSlides);\n    };\n    nextButton.addEventListener('click', () => { currentIndex++; updateCarousel(); });\n    prevButton.addEventListener('click', () => { currentIndex--; updateCarousel(); });\n    new ResizeObserver(updateCarousel).observe(carousel);\n    updateCarousel();\n  });\n\n  \/\/ L\u00d3GICA DE LA VENTANA MODAL\n  const modalOverlay = document.getElementById('bolivar-modal-overlay');\n  const openModalButtons = document.querySelectorAll('.open-modal-button');\n  const closeModalButton = modalOverlay.querySelector('.bolivar-modal-close');\n  const openModal = () => { modalOverlay.classList.add('visible'); }\n  const closeModal = () => { modalOverlay.classList.remove('visible'); }\n  openModalButtons.forEach(button => { button.addEventListener('click', openModal); });\n  closeModalButton.addEventListener('click', closeModal);\n  modalOverlay.addEventListener('click', (event) => { if (event.target === modalOverlay) { closeModal(); } });\n  \n  \/\/ L\u00d3GICA COLAPSABLE (Ver\/Ocultar detalles)\n  const toggleButtons = document.querySelectorAll('.bolivar-features-toggle');\n  toggleButtons.forEach(button => {\n    button.addEventListener('click', function(e) {\n      e.preventDefault();\n      const targetId = this.dataset.target; \n      const list = document.getElementById(targetId);\n      const textSpan = this.querySelector('span');\n\n      if (list) {\n        list.classList.toggle('is-expanded');\n        this.classList.toggle('is-expanded-button'); \n        if (list.classList.contains('is-expanded')) {\n          textSpan.textContent = 'Ocultar detalles'; \n        } else {\n          textSpan.textContent = 'Ver detalle'; \n        }\n      }\n    });\n  });\n  \n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-da381dd e-flex e-con-boxed e-con e-parent\" data-id=\"da381dd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53aae83 elementor-widget elementor-widget-text-editor\" data-id=\"53aae83\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Tambi\u00e9n puede leer:<\/strong><\/em>\u00a0<b><\/b><strong><a href=\"https:\/\/www.segurosbolivar.com\/blog\/sostenibilidad\/que-debe-revisar-en-su-carro-antes-de-viajar-por-carretera\/\">\u00bfSe va de vacaciones? Haga una minuciosa revisi\u00f3n de su carro antes de viajar<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-5f03309 e-flex e-con-boxed e-con e-parent\" data-id=\"5f03309\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48e5313 elementor-widget elementor-widget-text-editor\" data-id=\"48e5313\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\"><b>\u00bfQu\u00e9 es el Soat?<\/b><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Es un seguro obligatorio que cubre la atenci\u00f3n m\u00e9dica en el caso de haber v\u00edctimas en un accidente, gastos m\u00e9dicos, la muerte de los implicados, incapacidad permanente, costos funerarios y de transporte.<span class=\"cqiun4t2 khvhiq1o r5qsrrlp i5tg98hk iqx13udk przvwfww qiohso4h gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"\">\u00a0<\/span><\/span><\/span><span style=\"font-weight: 400;\">Pero, tenga presente que n<strong>o cubre los da\u00f1os que sufra su veh\u00edculo ni el del tercero o la propiedad de terceros.<\/strong> Solamente tienen amparo las personas que sean v\u00edctimas del accidente de tr\u00e1nsito.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Cuando se encuentre en una situaci\u00f3n como est\u00e1, usted podr\u00e1 acudir a cualquier hospital, cl\u00ednica o centro de salud del pa\u00eds.<span class=\"cqiun4t2 khvhiq1o r5qsrrlp i5tg98hk iqx13udk przvwfww qiohso4h gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"\">\ud83c\udde8\ud83c\uddf4<\/span><\/span> Estas instituciones lo deben atender sin ning\u00fan costo.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-2d6e673 e-flex e-con-boxed e-con e-parent\" data-id=\"2d6e673\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3183b2d elementor-widget elementor-widget-html\" data-id=\"3183b2d\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\/* --- ESTILOS CSS DEL BANNER AJUSTADO --- *\/\n\/* Contenedor principal del banner *\/\n.wa-cotizar-banner {\n  background-color: #F0FAF5; \/* Color de fondo verde muy claro, ajustado a la imagen *\/\n  border-radius: 16px;\n  padding: 24px;\n  display: flex;\n  align-items: center;\n  justify-content: space-between;\n  gap: 20px;\n  font-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, Helvetica, Arial, sans-serif;\n  overflow: hidden;\n}\n\n\/* Estilo para el \u00edcono de WhatsApp *\/\n.wa-cotizar-icono svg {\n  width: 55px;\n  height: 55px;\n  fill: #4F7F53; \/* Color verde oscuro del \u00edcono, ajustado a la imagen *\/\n}\n\n\/* Contenedor del texto *\/\n.wa-cotizar-texto {\n  flex-grow: 1;\n}\n\n.wa-cotizar-texto h3 {\n  margin: 0 0 4px 0;\n  font-size: 19px;\n  font-weight: 700;\n  color: #111111; \/* Color del t\u00edtulo cambiado a negro *\/\n}\n\n.wa-cotizar-texto p {\n  margin: 0;\n  font-size: 15px;\n  color: #4a5568;\n  line-height: 1.5;\n}\n\n\/* Estilo del bot\u00f3n *\/\n.wa-cotizar-boton {\n  background-color: #4F7F53; \/* Color de fondo del bot\u00f3n, ajustado a la imagen *\/\n  color: #ffffff;\n  padding: 14px 28px;\n  border-radius: 50px;\n  text-decoration: none;\n  font-weight: 600;\n  font-size: 16px;\n  display: inline-flex;\n  align-items: center;\n  gap: 10px;\n  transition: background-color 0.3s ease, transform 0.2s ease;\n  white-space: nowrap;\n}\n\n.wa-cotizar-boton:hover {\n  background-color: #457049; \/* Tono m\u00e1s oscuro al pasar el cursor *\/\n  transform: translateY(-2px);\n}\n\n.wa-cotizar-boton svg {\n  width: 18px;\n  height: 18px;\n  stroke: #ffffff;\n  stroke-width: 2;\n  stroke-linecap: round;\n  stroke-linejoin: round;\n  fill: none;\n}\n\n\/* --- Dise\u00f1o adaptable para m\u00f3viles --- *\/\n@media (max-width: 768px) {\n  .wa-cotizar-banner {\n    flex-direction: column;\n    text-align: center;\n    gap: 18px;\n    padding: 20px;\n  }\n  .wa-cotizar-boton {\n    width: 100%;\n    justify-content: center;\n    padding: 15px;\n  }\n}\n<\/style>\n\n<div class=\"wa-cotizar-banner\">\n\n  <div class=\"wa-cotizar-icono\">\n    <svg viewBox=\"0 0 16 16\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n      <path d=\"M13.601 2.326A7.854 7.854 0 0 0 7.994 0C3.627 0 .068 3.558.064 7.926c0 1.399.366 2.76 1.057 3.965L0 16l4.204-1.102a7.933 7.933 0 0 0 3.79.965h.004c4.368 0 7.926-3.558 7.93-7.93A7.898 7.898 0 0 0 13.6 2.326zM7.994 14.521a6.573 6.573 0 0 1-3.356-.92l-.24-.144-2.494.654.666-2.433-.156-.251a6.56 6.56 0 0 1-1.007-3.505c0-3.626 2.957-6.584 6.591-6.584a6.56 6.56 0 0 1 4.66 1.931 6.557 6.557 0 0 1 1.928 4.66c-.004 3.639-2.961 6.592-6.592 6.592zm3.615-4.934c-.197-.099-1.17-.578-1.353-.646-.182-.068-.315-.099-.445.099-.133.197-.513.646-.627.775-.114.133-.232.148-.43.05-.197-.1-.836-.308-1.592-.985-.59-.525-.985-1.175-1.103-1.372-.114-.198-.011-.304.088-.403.087-.088.197-.232.296-.346.1-.114.133-.198.198-.33.065-.134.034-.248-.015-.347-.05-.099-.445-1.076-.612-1.47-.16-.389-.323-.335-.445-.34-.114-.007-.247-.007-.38-.007a.729.729 0 0 0-.529.247c-.182.198-.691.677-.691 1.654 0 .977.71 1.916.81 2.049.098.133 1.394 2.132 3.383 2.992.47.205.84.326 1.129.418.475.152.904.129 1.246.08.38-.058 1.171-.48 1.338-.943.164-.464.164-.86.114-.943-.049-.084-.182-.133-.38-.232z\"\/>\n    <\/svg>\n  <\/div>\n\n  <div class=\"wa-cotizar-texto\">\n    <h3>\u00bfNecesita un seguro para su carro?<\/h3>\n    <p>Cotice su seguro a trav\u00e9s de nuestra l\u00ednea de venta de WhatsApp<\/p>\n  <\/div>\n\n  <a href=\"https:\/\/segurosbolivar.trb.ai\/wa\/1SandYk\" target=\"_blank\" rel=\"noopener noreferrer\" class=\"wa-cotizar-boton\">\n    Cotizar ahora\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n      <path d=\"M22 2L11 13\" \/>\n      <path d=\"M22 2L15 22L11 13L2 9L22 2Z\" \/>\n    <\/svg>\n  <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6547c07 elementor-widget elementor-widget-text-editor\" data-id=\"6547c07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"wp-block-heading\"><b>Seguro para Carro<\/b><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Esta p\u00f3liza <strong>es voluntaria y se realiza con la aseguradora que usted elija. <\/strong>Cumple con el fin de proteger su veh\u00edculo de choques, robos, p\u00e9rdidas por da\u00f1os,\u00a0 da\u00f1os en propiedades, v\u00edctimas o lesionados en un accidente.<span class=\"cqiun4t2 khvhiq1o r5qsrrlp i5tg98hk iqx13udk przvwfww qiohso4h gfz4du6o r7fjleex nz2484kf svot0ezm dcnh1tix sxl192xd t3g6t33p\"><span class=\"\">\u00a0<\/span><\/span>La compa\u00f1\u00eda aseguradora responder\u00e1 a los involucrados y propiedades, es decir, que el Seguro para Carro tambi\u00e9n cubre p\u00e9rdidas de objetos materiales.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-f0947f5 e-flex e-con-boxed e-con e-parent\" data-id=\"f0947f5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec12001 elementor-widget elementor-widget-text-editor\" data-id=\"ec12001\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<blockquote>\n<p style=\"text-align: center;\"><em><strong>Antes de entrar a comparar el Soat y el Seguro para Carro, debe tener en cuenta que el primero es una p\u00f3liza obligatoria y el segundo es voluntario, pero son complementarios.<\/strong><\/em><\/p>\n<p>\u00a0<\/p>\n<\/blockquote>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-f192815 e-flex e-con-boxed e-con e-parent\" data-id=\"f192815\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e81d897 elementor-widget elementor-widget-text-editor\" data-id=\"e81d897\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Tambi\u00e9n puede leer:<\/em>\u00a0<a href=\"https:\/\/www.segurosbolivar.com\/blog\/abc-de-seguros\/vehiculos-hibridos-y-electricos-que-son-y-como-funcionan\/\">\u00a1En pro del medio ambiente! Qu\u00e9 son y cu\u00e1les son los beneficios de los veh\u00edculos h\u00edbridos y el\u00e9ctricos<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-a087d14 e-flex e-con-boxed e-con e-parent\" data-id=\"a087d14\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-090838a elementor-widget elementor-widget-text-editor\" data-id=\"090838a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ahora que ya conoce las diferencias e<\/span><span style=\"font-weight: 400;\">ntre <a href=\"https:\/\/www.segurosbolivar.com\/blog\/abc-de-seguros\/soat-que-es-y-para-que-sirve\/\" target=\"_blank\" rel=\"noopener\"><strong>SOAT<\/strong><\/a> y <a href=\"https:\/\/digital.experienciasbolivar.segurosbolivar.com\/seguro-para-carros?utm_source=Autopauta&amp;utm_medium=Blog_enlace&amp;utm_campaign=BG_carros_964\" target=\"_blank\" rel=\"noopener\"><strong>Seguro para Carro<\/strong><\/a>, lo invitamos a que proteja su veh\u00edculo con las dos, as\u00ed estar\u00e1 tranquilo y cubierto de cualquier accidente. <\/span>En <a href=\"https:\/\/www.segurosbolivar.com\/?autopauta=Ambos_Link_964_Seguros_Bolivar_Cierre_\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Seguros Bol\u00edvar<\/strong> <\/a>sabemos que su seguridad y la de su familia es muy importante, por eso los mantenemos informados.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-46670\" src=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/17092140\/251003_corte_transver_7383_mail_v1-01.png\" alt=\"SOAT-Seguros-Bolivar\" width=\"650\" height=\"818\" srcset=\"https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/17092140\/251003_corte_transver_7383_mail_v1-01.png 650w, https:\/\/d9b6rardqz97a.cloudfront.net\/blog\/wp-content\/uploads\/2026\/02\/17092140\/251003_corte_transver_7383_mail_v1-01-238x300.png 238w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-1e8321c e-flex e-con-boxed e-con e-parent\" data-id=\"1e8321c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8765322 elementor-widget elementor-widget-html\" data-id=\"8765322\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- COBERTURAS SEGURO PARA CARRO \u2013 FAQ v2 (Elementor-ready) -->\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Roboto+Condensed:wght@400;700&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n.soat-faq { --brand:#016D38; 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La cobertura aplica a todos los involucrados, sin importar qui\u00e9n fue el responsable del siniestro.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"faq-card\">\r\n    <div class=\"faq-header\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"a2\">\r\n      <h3 class=\"faq-question\" id=\"q2\">\u00bfQu\u00e9 beneficios ofrece un seguro para veh\u00edculos?<\/h3>\r\n      <div class=\"faq-toggle\" aria-hidden=\"true\"><\/div>\r\n    <\/div>\r\n    <div id=\"a2\" class=\"faq-answer\" role=\"region\" aria-labelledby=\"q2\">\r\n      <div class=\"faq-answer-inner\">\r\n        <span class=\"respuesta\">Respuesta:<\/span> Esta p\u00f3liza brinda respaldo en choques, hurtos, p\u00e9rdidas totales o parciales del carro y da\u00f1os a terceros, tanto materiales como personales. Tambi\u00e9n puede incluir asistencia en carretera, carro de reemplazo y protecci\u00f3n jur\u00eddica, dependiendo del plan contratado.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"faq-card\">\r\n    <div class=\"faq-header\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"a3\">\r\n      <h3 class=\"faq-question\" id=\"q3\">\u00bfCu\u00e1l es la principal diferencia entre el SOAT y el Seguro para Carros?<\/h3>\r\n      <div class=\"faq-toggle\" aria-hidden=\"true\"><\/div>\r\n    <\/div>\r\n    <div id=\"a3\" class=\"faq-answer\" role=\"region\" aria-labelledby=\"q3\">\r\n      <div class=\"faq-answer-inner\">\r\n        <span class=\"respuesta\">Respuesta:<\/span> El SOAT es obligatorio y solo cubre la atenci\u00f3n m\u00e9dica de las personas afectadas en un accidente, mientras que el Seguro todo riesgo es voluntario y protege el veh\u00edculo, los bienes materiales de terceros y ofrece apoyos adicionales en la v\u00eda.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"faq-card\">\r\n    <div class=\"faq-header\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"a4\">\r\n      <h3 class=\"faq-question\" id=\"q4\">\u00bfSe pueden tener al mismo tiempo el SOAT y un Seguro todo riesgo?<\/h3>\r\n      <div class=\"faq-toggle\" aria-hidden=\"true\"><\/div>\r\n    <\/div>\r\n    <div id=\"a4\" class=\"faq-answer\" role=\"region\" aria-labelledby=\"q4\">\r\n      <div class=\"faq-answer-inner\">\r\n        <span class=\"respuesta\">Respuesta:<\/span> Ambas p\u00f3lizas son complementarias, ya que el SOAT atiende la salud de los heridos y el Seguro para Carros cubre da\u00f1os materiales y asistencias. Contar con las dos opciones ofrece mayor respaldo y tranquilidad frente a cualquier eventualidad en carretera.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"faq-card\">\r\n    <div class=\"faq-header\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"a5\">\r\n      <h3 class=\"faq-question\" id=\"q5\">\u00bfD\u00f3nde se debe acudir en caso de accidente seg\u00fan la cobertura contratada?<\/h3>\r\n      <div class=\"faq-toggle\" aria-hidden=\"true\"><\/div>\r\n    <\/div>\r\n    <div id=\"a5\" class=\"faq-answer\" role=\"region\" aria-labelledby=\"q5\">\r\n      <div class=\"faq-answer-inner\">\r\n        <span class=\"respuesta\">Respuesta:<\/span> Con el SOAT, la atenci\u00f3n se solicita en cualquier hospital o cl\u00ednica del pa\u00eds, donde deben recibir a las v\u00edctimas sin costo. En el caso del Seguro para Carros, se debe contactar a la aseguradora para recibir acompa\u00f1amiento inmediato y gestionar la cobertura contratada.\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\n\/* Acorde\u00f3n accesible + deep-link + ajuste tras carga de fuentes *\/\r\n(function(){\r\n  const cards = Array.from(document.querySelectorAll('.soat-faq .faq-card'));\r\n\r\n  function closeAll(){\r\n    cards.forEach(c=>{\r\n      c.classList.remove('active');\r\n      const head=c.querySelector('.faq-header');\r\n      const ans=c.querySelector('.faq-answer');\r\n      head.setAttribute('aria-expanded','false');\r\n      ans.style.maxHeight=0;\r\n    });\r\n  }\r\n  function openCard(card){\r\n    const head=card.querySelector('.faq-header');\r\n    const ans=card.querySelector('.faq-answer');\r\n    card.classList.add('active');\r\n    head.setAttribute('aria-expanded','true');\r\n    ans.style.maxHeight=ans.scrollHeight+'px';\r\n  }\r\n  function recalcHeights(){\r\n    cards.forEach(c=>{\r\n      const ans=c.querySelector('.faq-answer');\r\n      if(c.classList.contains('active')) ans.style.maxHeight=ans.scrollHeight+'px';\r\n    });\r\n  }\r\n\r\n  cards.forEach(card=>{\r\n    const head=card.querySelector('.faq-header');\r\n    const toggle=()=>{\r\n      const wasActive=card.classList.contains('active');\r\n      closeAll();\r\n      if(!wasActive){\r\n        openCard(card);\r\n        const q=card.querySelector('.faq-question');\r\n        if(q && q.id) history.replaceState(null,'','#'+q.id);\r\n      }else{\r\n        history.replaceState(null,'',' ');\r\n      }\r\n    };\r\n    head.addEventListener('click',toggle);\r\n    head.addEventListener('keydown',e=>{\r\n      if(e.key==='Enter'||e.key===' '){e.preventDefault();toggle();}\r\n      if(e.key==='ArrowDown'||e.key==='ArrowUp'){\r\n        e.preventDefault();\r\n        const dir=e.key==='ArrowDown'?1:-1;\r\n        const headers=cards.map(c=>c.querySelector('.faq-header'));\r\n        const i=headers.indexOf(head);\r\n        headers[(i+dir+headers.length)%headers.length].focus();\r\n      }\r\n    });\r\n  });\r\n\r\n  window.addEventListener('resize',recalcHeights,{passive:true});\r\n  if(document.fonts && document.fonts.ready){document.fonts.ready.then(recalcHeights);} else { setTimeout(recalcHeights,600); }\r\n\r\n  \/\/ Abrir por hash (#q3, etc.)\r\n  const hash=location.hash.replace('#','');\r\n  if(hash){\r\n    const target=document.getElementById(hash);\r\n    if(target){\r\n      const card=target.closest('.faq-card');\r\n      if(card){ closeAll(); openCard(card); }\r\n    }\r\n  }\r\n})();\r\n<\/script>\r\n\r\n<!-- SEO: JSON-LD FAQPage -->\r\n<script type=\"application\/ld+json\">\r\n{\r\n \"@context\":\"https:\/\/schema.org\",\r\n \"@type\":\"FAQPage\",\r\n \"mainEntity\":[\r\n  {\"@type\":\"Question\",\"name\":\"\u00bfQu\u00e9 cubre el SOAT en caso de accidente de tr\u00e1nsito?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"El SOAT cubre atenci\u00f3n m\u00e9dica de heridos, gastos hospitalarios, indemnizaci\u00f3n por incapacidad o fallecimiento, costos funerarios y transporte de v\u00edctimas, sin importar qui\u00e9n caus\u00f3 el accidente.\"}},\r\n  {\"@type\":\"Question\",\"name\":\"\u00bfQu\u00e9 beneficios ofrece un seguro para veh\u00edculos?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Brinda respaldo en choques, hurtos, p\u00e9rdidas totales o parciales y da\u00f1os a terceros. 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elementor-element-3dd706f elementor-widget elementor-widget-html\" data-id=\"3dd706f\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Roboto+Condensed:wght@400;600&display=swap');\r\n\r\n  \/* --- Contenedor Principal --- *\/\r\n  .rating-modern {\r\n    font-family: 'Roboto Condensed', sans-serif;\r\n    background: #ffffff;\r\n    border-radius: 16px;\r\n    box-shadow: 0 8px 20px rgba(0,0,0,0.05);\r\n    padding: 32px 24px;\r\n    max-width: 720px;\r\n    margin: 40px auto;\r\n    text-align: center;\r\n    border: 1.5px solid #f0f0f0;\r\n  }\r\n\r\n  .rating-modern h3 {\r\n    font-size: 20px;\r\n    color: #1c1c1c;\r\n    font-weight: 600;\r\n    margin-bottom: 6px;\r\n  }\r\n\r\n  .rating-modern p {\r\n    font-size: 14px;\r\n    color: #6c6c6c;\r\n    margin-bottom: 28px;\r\n  }\r\n\r\n  \/* --- Grid de Opciones --- *\/\r\n  .rating-options {\r\n    display: flex;\r\n    justify-content: center;\r\n    flex-wrap: wrap;\r\n    gap: 18px;\r\n  }\r\n\r\n  \/* --- Card individual --- *\/\r\n  .rating-option {\r\n    width: 90px;\r\n    height: 110px;\r\n    background: #fafafa;\r\n    border: 2px solid transparent;\r\n    border-radius: 14px;\r\n    box-shadow: 0 3px 10px rgba(0,0,0,0.05);\r\n    text-decoration: none;\r\n    color: #222;\r\n    display: flex;\r\n    flex-direction: column;\r\n    align-items: center;\r\n    justify-content: center;\r\n    transition: all 0.25s ease;\r\n  }\r\n\r\n  .rating-option img {\r\n    width: 45px;\r\n    height: 45px;\r\n    margin-bottom: 8px;\r\n    transition: transform 0.25s ease;\r\n  }\r\n\r\n  .rating-option span {\r\n    font-size: 14px;\r\n    font-weight: 500;\r\n  }\r\n\r\n  \/* --- Interacciones (hover, focus, active) --- *\/\r\n  .rating-option:hover {\r\n    background: #f2fdf7;\r\n    border-color: #016D38;\r\n    box-shadow: 0 6px 20px rgba(1,109,56,0.15);\r\n    transform: translateY(-4px);\r\n  }\r\n\r\n  .rating-option:hover img {\r\n    transform: scale(1.1);\r\n  }\r\n\r\n  .rating-option:active {\r\n    transform: scale(0.96);\r\n  }\r\n\r\n  @media (max-width: 480px) {\r\n    .rating-option {\r\n      width: 70px;\r\n      height: 95px;\r\n    }\r\n\r\n    .rating-option span {\r\n      font-size: 12px;\r\n    }\r\n\r\n    .rating-modern h3 {\r\n      font-size: 18px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<div class=\"rating-modern\">\r\n  <h3>\u00bfQu\u00e9 tan \u00fatil le pareci\u00f3 este contenido?<\/h3>\r\n  <p>Toca una opci\u00f3n<\/p>\r\n\r\n  <div class=\"rating-options\">\r\n    <a class=\"rating-option\" href=\"https:\/\/survey.survicate.com\/1aa256dae6362312\/?pieza=3870_soat_digital_cuales_son_sus_beneficios|ABC de Seguros|Seguro de Autos&amp;aid=2510313\" target=\"_blank\" rel=\"nofollow noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/image.experienciasbolivar.segurosbolivar.com\/lib\/fe3511747364047b751475\/m\/1\/7d675113-0e03-409d-944b-3b06b10fb55e.png\" alt=\"Muy mala\">\r\n      <span>Muy mala<\/span>\r\n    <\/a>\r\n\r\n    <a class=\"rating-option\" href=\"https:\/\/survey.survicate.com\/1aa256dae6362312\/?pieza=3870_soat_digital_cuales_son_sus_beneficios|ABC de Seguros|Seguro de Autos&amp;aid=2510314\" target=\"_blank\" rel=\"nofollow noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/image.experienciasbolivar.segurosbolivar.com\/lib\/fe3511747364047b751475\/m\/1\/2cceee11-e12d-4873-bb48-569d2d4afe2d.png\" alt=\"Mala\">\r\n      <span>Mala<\/span>\r\n    <\/a>\r\n\r\n    <a class=\"rating-option\" href=\"https:\/\/survey.survicate.com\/1aa256dae6362312\/?pieza=3870_soat_digital_cuales_son_sus_beneficios|ABC de Seguros|Seguro de Autos&amp;aid=2510315\" target=\"_blank\" rel=\"nofollow noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/image.experienciasbolivar.segurosbolivar.com\/lib\/fe3511747364047b751475\/m\/1\/7553bd02-b4da-452e-9446-d80f342e8662.png\" alt=\"Neutral\">\r\n      <span>Neutral<\/span>\r\n    <\/a>\r\n\r\n    <a class=\"rating-option\" href=\"https:\/\/survey.survicate.com\/1aa256dae6362312\/?pieza=3870_soat_digital_cuales_son_sus_beneficios|ABC de Seguros|Seguro de Autos&amp;aid=2510316\" target=\"_blank\" rel=\"nofollow noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/image.experienciasbolivar.segurosbolivar.com\/lib\/fe3511747364047b751475\/m\/1\/1aa041a1-6fa1-4da5-8ce4-099bda589a6d.png\" alt=\"Buena\">\r\n      <span>Buena<\/span>\r\n    <\/a>\r\n\r\n    <a class=\"rating-option\" href=\"https:\/\/survey.survicate.com\/1aa256dae6362312\/?pieza=3870_soat_digital_cuales_son_sus_beneficios|ABC de Seguros|Seguro de Autos&amp;aid=2510317\" target=\"_blank\" rel=\"nofollow noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/image.experienciasbolivar.segurosbolivar.com\/lib\/fe3511747364047b751475\/m\/1\/237d20e9-0b59-4c8a-8a44-8733a91bb3e1.png\" alt=\"Excelente\">\r\n      <span>Excelente<\/span>\r\n    <\/a>\r\n  <\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb11d74 elementor-widget elementor-widget-html\" data-id=\"bb11d74\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\ndocument.addEventListener('DOMContentLoaded', function() {\n    \/\/ -----------------------------------------------------------------\n    \/\/ CONFIGURACI\u00d3N\n    \/\/ -----------------------------------------------------------------\n    const whatsAppUrl = \"https:\/\/segurosbolivar.trb.ai\/wa\/1SandYk\";\n    const footerSelector = \"footer\"; \/\/ \u00a1Importante! 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Crear el icono flotante de WhatsApp ---\n    const whatsappIcon = document.createElement('a');\n    whatsappIcon.id = 'custom-whatsapp-icon';\n    whatsappIcon.innerHTML = `<svg width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"white\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M16 2.66663C8.64 2.66663 2.66669 8.63996 2.66669 16C2.66669 18.44 3.38669 20.7466 4.66669 22.72L2.66669 29.3333L9.41335 27.3333C11.28 28.4533 13.56 29.0933 16 29.0933C23.36 29.0933 29.3334 23.08 29.3334 16C29.3334 8.63996 23.36 2.66663 16 2.66663ZM22.4934 19.3333C22.1867 20.2133 21.08 20.6933 20.5067 20.76C19.9334 20.8266 19.1467 20.6533 18.5734 20.44C16.8934 19.8666 15.0134 18.8266 13.44 17.1333C11.8534 15.4266 10.7467 13.52 10.1334 11.84C9.90669 11.24 9.77335 10.4533 9.85335 9.90663C9.93335 9.34663 10.3734 8.25329 10.84 7.91996C11.3067 7.58663 11.8 7.50663 12.1334 7.50663C12.4667 7.50663 12.72 7.50663 12.9467 7.53329C13.2667 7.57329 13.5734 8.19996 13.7734 8.75996C14.0267 9.45329 14.5067 10.68 14.56 10.8C14.6134 10.92 14.6134 11.0933 14.4534 11.28C14.2934 11.4666 14.16 11.5866 13.9734 11.8C13.7867 12.0133 13.6267 12.1866 13.7867 12.4666C13.9467 12.7466 14.56 13.7466 15.4934 14.6666C16.6934 15.8266 17.6534 16.2933 18.0134 16.4533C18.3334 16.5866 18.52 16.5466 18.7067 16.3333C18.92 16.0933 19.1867 15.7066 19.4534 15.3733C19.68 15.0933 19.9867 15.0133 20.3067 15.12C20.6267 15.2266 22.0267 15.9333 22.4934 16.1866C22.96 16.44 23.16 16.56 23.24 16.7066C23.32 16.8533 23.1467 17.48 22.9334 17.8933C22.72 18.3066 22.8 18.4533 22.4934 19.3333Z\"\/><\/svg>`;\n    document.body.appendChild(whatsappIcon);\n\n    \/\/ --- 2. Crear el overlay y el modal ---\n    const modalOverlay = document.createElement('div');\n    modalOverlay.id = 'custom-whatsapp-modal-overlay';\n    modalOverlay.innerHTML = `\n        <div class=\"custom-whatsapp-modal\">\n            <button class=\"custom-whatsapp-modal-close\">&times;<\/button>\n            <h2>\ud83d\ude97 \u00bfYa protegi\u00f3 su veh\u00edculo?<\/h2>\n            <p>Cotice su Seguro de carro<\/p>\n            <a href=\"${whatsAppUrl}\" target=\"_blank\" class=\"custom-whatsapp-modal-button\">\n                Cotizar por WhatsApp\n            <\/a>\n        <\/div>\n    `;\n    document.body.appendChild(modalOverlay);\n    \n    \/\/ --- 3. Crear y a\u00f1adir los estilos CSS ---\n    const styles = `\n        #custom-whatsapp-icon {\n            position: fixed;\n            \/* \u2705 CAMBIO: El bot\u00f3n ahora est\u00e1 al 20% de altura de la pantalla *\/\n            bottom: 20vh; \n            right: 30px;\n            width: 60px;\n            height: 60px;\n            background-color: #25D366;\n            border-radius: 50%;\n            display: flex;\n            justify-content: center;\n            align-items: center;\n            cursor: pointer;\n            box-shadow: 0 4px 12px rgba(0,0,0,0.2);\n            z-index: 9998;\n            transition: bottom 0.3s ease, transform 0.2s ease;\n        }\n        #custom-whatsapp-icon:hover {\n            transform: scale(1.1);\n        }\n        #custom-whatsapp-modal-overlay {\n            position: fixed;\n            top: 0;\n            left: 0;\n            width: 100%;\n            height: 100%;\n            background-color: rgba(0,0,0,0.5);\n            z-index: 9999;\n            display: flex;\n            justify-content: center;\n            align-items: center;\n            opacity: 0;\n            visibility: hidden;\n            transition: opacity 0.3s ease, visibility 0.3s ease;\n        }\n        #custom-whatsapp-modal-overlay.visible {\n            opacity: 1;\n            visibility: visible;\n        }\n        .custom-whatsapp-modal {\n            background-color: white;\n            padding: 25px 30px;\n            border-radius: 10px;\n            text-align: center;\n            max-width: 320px;\n            width: 90%;\n            font-family: sans-serif;\n            position: relative;\n            transform: scale(0.9);\n            transition: transform 0.3s ease;\n        }\n        #custom-whatsapp-modal-overlay.visible .custom-whatsapp-modal {\n            transform: scale(1);\n        }\n        .custom-whatsapp-modal h2 {\n            font-size: 22px;\n            color: #333;\n            margin: 0 0 8px 0;\n            line-height: 1.3;\n        }\n        .custom-whatsapp-modal p {\n            font-size: 16px;\n            color: #555;\n            margin: 0 0 25px 0;\n            line-height: 1.5;\n        }\n        .custom-whatsapp-modal-button {\n            display: inline-block;\n            background-color: #25D366;\n            color: white;\n            padding: 12px 25px;\n            border-radius: 25px;\n            text-decoration: none;\n            font-weight: bold;\n            transition: background-color 0.2s ease;\n        }\n        .custom-whatsapp-modal-button:hover {\n            background-color: #128C7E;\n        }\n        .custom-whatsapp-modal-close {\n            position: absolute;\n            top: 10px;\n            right: 15px;\n            background: none;\n            border: none;\n            font-size: 28px;\n            cursor: pointer;\n            color: #999;\n        }\n    `;\n    const styleSheet = document.createElement(\"style\");\n    styleSheet.innerText = styles;\n    document.head.appendChild(styleSheet);\n\n\n    \/\/ -----------------------------------------------------------------\n    \/\/ MANEJADORES DE EVENTOS\n    \/\/ -----------------------------------------------------------------\n    const closeButton = modalOverlay.querySelector('.custom-whatsapp-modal-close');\n\n    function showModal() {\n        modalOverlay.classList.add('visible');\n    }\n\n    function hideModal() {\n        modalOverlay.classList.remove('visible');\n    }\n\n    whatsappIcon.addEventListener('click', showModal);\n    closeButton.addEventListener('click', hideModal);\n    modalOverlay.addEventListener('click', function(event) {\n        if (event.target === modalOverlay) {\n            hideModal();\n        }\n    });\n\n    \/\/ -----------------------------------------------------------------\n    \/\/ L\u00d3GICA DE POSICIONAMIENTO RESPECTO AL FOOTER\n    \/\/ -----------------------------------------------------------------\n    function adjustIconPosition() {\n        const footer = document.querySelector(footerSelector);\n        if (!footer) return;\n\n        const icon = document.getElementById('custom-whatsapp-icon');\n        const footerRect = footer.getBoundingClientRect();\n        const viewportHeight = window.innerHeight;\n        \/\/ Este es el margen en p\u00edxeles que se mantendr\u00e1 sobre el footer\n        const marginFromFooter = 30; \n\n        \/\/ Si la parte superior del footer est\u00e1 entrando en la pantalla\n        if (footerRect.top < viewportHeight) {\n            const newBottom = viewportHeight - footerRect.top + marginFromFooter;\n            icon.style.bottom = `${newBottom}px`;\n        } else {\n            \/\/ \u2705 CAMBIO: Vuelve a la posici\u00f3n por defecto de 20vh\n            icon.style.bottom = '20vh';\n        }\n    }\n\n    window.addEventListener('scroll', adjustIconPosition);\n    window.addEventListener('resize', adjustIconPosition); \/\/ Tambi\u00e9n al cambiar tama\u00f1o de ventana\n    adjustIconPosition(); \/\/ Llamada inicial\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Muchas personas creen que estos estos dos seguros cumplen la misma funci\u00f3n, pero en realidad son muy diferentes. \u00a1Tome nota!<\/p>\n","protected":false},"author":14,"featured_media":8460,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88],"tags":[64,42,43,51,41],"class_list":["post-964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-movilidad","tag-movilidad","tag-seguro-para-carros","tag-soat-en-colombia","tag-transporte-y-movilidad-en-colombia","tag-vehiculos-en-colombia"],"_links":{"self":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/comments?post=964"}],"version-history":[{"count":65,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/964\/revisions"}],"predecessor-version":[{"id":46679,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/posts\/964\/revisions\/46679"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media\/8460"}],"wp:attachment":[{"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/media?parent=964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/categories?post=964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.segurosbolivar.com\/blog\/wp-json\/wp\/v2\/tags?post=964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}