¿Qué sucede cuando no hay acuerdo con el seguro?
Cuando no hay acuerdo con el seguro, puede darse en tres ámbitos: en la parte técnica, en la parte jurídica o en las dos.
Cuando no hay acuerdo con el seguro en la parte técnica
Si no hay acuerdo en las cuestiones técnicas (causas, circunstancias, consecuencias o tasación de los daños), cada parte designará un perito. Uno el usuario (asegurado y/o perjudicado) y otro la aseguradora. Y si estos dos peritos llegan a un acuerdo, se cerrará este capítulo con acuerdo. Si no hay acuerdo entre peritos, de tratarse de un caso entre aseguradora y asegurado se designará a un tercer perito para que, por mayoría o unanimidad, se resuelva la controversia. De tratarse de un tema entre un causante y un perjudicado (asunto de Responsabilidad Civil), la controversia técnica se resolverá directamente en un juzgado sin la intervención del tercer perito.
Cuando no hay acuerdo con el seguro en la parte jurídica
Cuando no existe acuerdo en la parte jurídica, aunque sí en la parte técnica, ésta debe resolverse en los juzgados.
Habitualmente estos casos surgen cuando hay controversia en la interpretación de contratos, leyes, jurisprudencia y otros extremos, todo ello basado en la interpretación interesada de las normas y cláusulas existentes. O sea, cada uno «barre» hacia donde le interesa.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
Cuando no hay acuerdo con el seguro en la parte jurídica y técnica
En estos casos se deberán superar las dos fases. Primero la técnica, con los peritos, y luego la jurídica en los juzgados.
Nota final e importante
Y como todo esto tarda un montón de tiempo y las aseguradoras lo saben, y mientras tanto ellas tienen el dinero en su cuenta bancaria, por eso las malas utilizan todas estas artimañas para desgastar a la gente metiéndoles en estos líos legales y así no pagar o llegar a acuerdos a la baja. Y si quieres cobrar lo que toca ya sabes que te vas a pasar una eternidad. Por eso debes escoger una buena aseguradora que sepas que te va a pagar lo que toca en el plazo legalmente establecido o antes.
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