{"id":1265,"date":"2017-05-19T17:58:19","date_gmt":"2017-05-19T17:58:19","guid":{"rendered":"http:\/\/humbertodonato.wpengine.com\/en\/preguntas-y-respuestas\/"},"modified":"2024-08-22T15:43:55","modified_gmt":"2024-08-22T19:43:55","slug":"questions-and-answers","status":"publish","type":"page","link":"https:\/\/donatoinsurance.com\/en\/questions-and-answers\/","title":{"rendered":"Questions and Answers"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]<span style=\"font-weight: 400;\">We are always at your disposition to answer any of your questions. Here are the most common questions and answers as a general guideline.<\/span>[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;qa-fwimg&#8221; css=&#8221;.vc_custom_1724355833024{background-image: url(https:\/\/donatoinsurance.com\/wp-content\/uploads\/2024\/08\/q-and-a-revised-02-scaled.jpg?id=1392) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;425px&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221;][vc_column][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_toggle title=&#8221;What is insurance?&#8221; el_id=&#8221;que-es-un-seguro&#8221;]<span style=\"font-weight: 400;\">Insurance is a means of protection from financial loss, it \u00a0protects the beneficiary in case the established risk occurs. It is a contract of adhesion between the insured and the insurer, prepared by the company, which establishes that in case of a risk or catastrophic event \u00a0with economic consequences, the agreed payment will be processed subject to the limits and conditions of the established insurance contract.<\/span>[\/vc_toggle][vc_toggle title=&#8221;Am I at risk?&#8221; el_id=&#8221;estoy-en-riesgo&#8221;]<span style=\"font-weight: 400;\">Yes, we all are. A risk is something that can happen, an event outside the human will that has economic consequences. If there is a risk, there is a <em>high probability<\/em> that a policy that protects it exists. <\/span>[\/vc_toggle][vc_toggle title=&#8221;Types of insurable risks&#8221; el_id=&#8221;tipos-riesgos-asegurables&#8221;]<span style=\"font-weight: 400;\">&#8211; Those that affect the lives of people:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Death<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Illness or disability<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">&#8211; Those that affect the goods:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nature phenomena such as floods, hurricanes or earthquakes<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Accidents such as fires, mechanical floods, explosions, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Acts of destruction such as vandalism<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Car Accidents<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Theft of property<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">&#8211;\u00a0Those affecting third parties:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Property of another person<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bodily Injury (Public Liability)<\/span><\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who chooses my insurance?&#8221; el_id=&#8221;quien-escoge-mi-seguro&#8221;]<span style=\"font-weight: 400;\">You choose it, preferably, \u00a0with the advice of an insurance professional. We, as experts in the industry and knowledgeable about the policies available in the market, recommend you the products that are best for you to make the decision based on your needs, objectives and product\/policies design.<\/span>[\/vc_toggle][vc_toggle title=&#8221;How is the premium calculated?&#8221; el_id=&#8221;como-se-calcula-prima&#8221;]<span style=\"font-weight: 400;\">It is calculated according to the value of the assets, and to the probability and exposure that is at risk.<\/span>[\/vc_toggle][vc_toggle title=&#8221;Can a policy ensure specific events?&#8221; el_id=&#8221;poliza-puede-asegurar-eventos-especificos&#8221;]<span style=\"font-weight: 400;\">Yes, you can ensure an event or activity that takes place on a single specific day or several days.<\/span>[\/vc_toggle][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_toggle title=&#8221;What does the insurance pay?&#8221; el_id=&#8221;que-paga-el-seguro&#8221;]<span style=\"font-weight: 400;\">It pays the losses that can be produced by the risks that are insured, after clarifying the deductibles and conditions of the contract.<\/span>[\/vc_toggle][vc_toggle title=&#8221;Is it important to update my policies?&#8221; el_id=&#8221;importante-actualizar-polizas&#8221;]<span style=\"font-weight: 400;\">Of course, because it allows the economic compensation to be made according to the current situation and that the premium to pay is adequate.<\/span>[\/vc_toggle][vc_toggle title=&#8221;When does my policy expire?&#8221; el_id=&#8221;cuando-expira-poliza&#8221;]<span style=\"font-weight: 400;\">Your policies are automatically renewed annually, as long as your payments are kept current, or according to contract terms.<\/span>[\/vc_toggle][vc_toggle title=&#8221;How do I claim insurance?&#8221; el_id=&#8221;como-reclamo-al-seguro&#8221;]<span style=\"font-weight: 400;\">Contact Humberto Donato Insurance Inc. and we will guide you in the process to follow and we will give you the service to process your claim.<\/span>[\/vc_toggle][vc_toggle title=&#8221;Payment Methods&#8221; el_id=&#8221;metodos-pago&#8221;]<span style=\"font-weight: 400;\">We accept different payment methods for your convenience.<\/span>[\/vc_toggle][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;third_bg_color&#8221; css=&#8221;.vc_custom_1495218138447{margin-bottom: -60px !important;}&#8221;][vc_column][vc_cta h2=&#8221;Consult with our experts, get an estimate&#8221; h2_font_container=&#8221;font_size:20px|color:%23000000|line_height:24px&#8221; shape=&#8221;square&#8221; style=&#8221;flat&#8221; add_button=&#8221;right&#8221; btn_title=&#8221;Free Estimate&#8221; btn_style=&#8221;flat&#8221; btn_color=&#8221;theme_style_2&#8243; btn_align=&#8221;right&#8221; btn_i_align=&#8221;right&#8221; css=&#8221;.vc_custom_1509561274080{margin-bottom: 0px !important;}&#8221; use_custom_fonts_h2=&#8221;true&#8221; btn_button_block=&#8221;true&#8221; btn_add_icon=&#8221;true&#8221; el_class=&#8221;third_bg_color&#8221; btn_link=&#8221;url:http%3A%2F%2Fdonatoinsurance.com%2Fen%2Fforms%2Fbasic-information%2F||&#8221;][\/vc_cta][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]We are always at your disposition to answer any of your questions. Here are the most common questions and answers as a general guideline.[\/vc_column_text][vc_empty_space height=&#8221;16px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; el_class=&#8221;qa-fwimg&#8221; css=&#8221;.vc_custom_1724355833024{background-image: url(https:\/\/donatoinsurance.com\/wp-content\/uploads\/2024\/08\/q-and-a-revised-02-scaled.jpg?id=1392) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][vc_empty_space height=&#8221;425px&#8221;][\/vc_column][\/vc_row][vc_row equal_height=&#8221;yes&#8221;][vc_column][vc_empty_space][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_toggle title=&#8221;What is insurance?&#8221; el_id=&#8221;que-es-un-seguro&#8221;]Insurance is a means of protection from financial loss, it \u00a0protects the<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1265","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Questions and Answers - Humberto Donato Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/donatoinsurance.com\/en\/questions-and-answers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Questions and Answers - Humberto Donato Insurance\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_empty_space height=&#8221;24px&#8221;][vc_column_text]We are always at your disposition to answer any of your questions. 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