¿Qué me puede suceder cuando soy responsable de un accidente?
Cuando como persona física, profesional o empresa soy responsable civil de un accidente y tengo un seguro de responsabilidad civil, pueden pasarme 3 cosas:
Que seas responsable del accidente y el seguro deba pagar la indemnización al perjudicado
De no existir conflicto de intereses por parte del asegurador, el seguro se ocupará de asumir todos los costes de la dirección jurídica del caso (artículo 74 Ley 50/1980), entendiendo por ello que se hará cargo de los gastos de peritos, abogados, procuradores y gestores. Esto ocurre puesto el seguro, como acepta la cobertura del accidente y deberá pagar, será él quien se ocupe de tramitarlo todo.
Por conflicto de intereses se entiende, por ejemplo, que tu seguro es, además, el seguro del perjudicado. O sea, que las dos partes (reclamante y reclamado) tenéis la misma aseguradora. En este caso tu aseguradora deberá comunicártelo obligatoriamente y deberás ser tú quien decida si continúa ella o por el contrario asumes tú la dirección jurídica.
Dado el caso que la aseguradora no te informe del conflicto de intereses, podrás presentar una queja ante el Servicio de Atención al Cliente de la aseguradora, y transcurrido un mes desde su presentación, podrás poner una queja ante la Dirección General de Seguros y Fondos de Pensiones para denunciar la infracción que ha cometido y la aseguradora sea sanciona hasta 60.000 €.
Que seas responsable del accidente pero tu seguro de responsabilidad civil diga que no cubre los daños que has causado
En los casos que tu seguro de responsabilidad civil no cubra los daños que realmente hayas causado a un tercero por alguna exclusión o delimitación de cobertura, como sería el caso de cubrir una responsabilidad civil profesional con la garantía de responsabilidad civil del hogar, la dirección jurídica deberás asumirla tú. Por tanto deberás ser tú quien contrate a los abogados y peritos para que te defiendan de la reclamación que el perjudicado te hará.
Y para que no debas gastarte tu dinero, está la garantía de defensa jurídica y reclamación de daños, con la que libremente podrás contratar a los profesionales (peritos abogados y procuradores) que quieras. Tu seguro de defensa jurídica pagará las facturas de esos profesionales para defenderte de la reclamación que te realice el perjudicado. Ahora bien, serás tú quien de tu bolsillo deberá indemnizar al perjudicado si eres condenado.
Que no seas responsable civil del accidente y te reclamen
En este caso ni tan sólo deberían reclamarte porque no tienes ninguna culpa. Pero como en muchas ocasiones ocurre, en este caso tu aseguradora de responsabilidad civil asumirá la dirección jurídica del asunto ya que si eres condenado injustamente, seguramente será ella la que acabe pagando todo el accidente.
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