Calcula cuántos intereses debe pagarte el seguro además de la indemnización
¿Cuántos intereses debe pagarte el seguro además de la indemnización?
El artículo que regula los intereses que la aseguradora debe añadir sobre la indemnización que debe pagarte es el 20 de la Ley 50/1980 de Contrato de Seguro.
Requisitos para cobrar intereses
- Debes ser perjudicado, asegurado o beneficiario de seguros de vida y tener el derecho a ser indemnizado por el contrato de seguro que cubre tus daños o del seguro de responsabilidad civil.
- Desde que notificaste el siniestro a la aseguradora deben haber pasado más de 40 días sin que no te haya pagado todo el siniestro o el importe mínimo según las circunstancias conocidas.
- Todo y habiéndote pagado el importe mínimo dentro de los 40 días, no te hayan pagado la integridad del siniestro antes de los 3 meses desde que te ocurrió el percance. En este caso sólo genera intereses la parte dejada de pagar.
¿Qué hacer si no me pagan los intereses que me tocan?
Lo primero es realizar una reclamación al Servicio de Atención al Cliente de la aseguradora. Si transcurrido un mes no te han contestado a tu reclamación o no te los quieren pagar, realiza dirección general de seguros y fondos de pensiones (DGSFP) (abre en una nueva pestaña)» href=»https://www.claimcenter.com/como-presentar-una-reclamacion-queja-denuncia-de-aseguradora-ante-dgsfp/» target=»_blank»>una reclamación ante la Dirección General de Seguros y Fondos de Pensiones (DGSFP) solicitando que obliguen a la aseguradora que te los pague y además imponga una multa a la aseguradora por incumplir el artículo 20 de la Ley 50/1980.
Cálculo de intereses
Una vez cumplimentado este formulario te enviaremos un correo electrónico o un SMS con el importe total exacto de cuántos intereses debe pagarte el seguro.
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