La actividad aseguradora y la gestión del accidente
Una cosa es la actividad aseguradora, perfectamente regulada y supervisada por la Dirección General de Seguros y Fondos de Pensiones, y la otra bien distinta es la gestión del accidente, actividad complementaria pero que no está regulada.
Lo que sucede es que la mayoría de aseguradoras desarrollan la actividad de gestión de siniestros a la vez de la actividad aseguradora. La cuestión es que la aseguradora no tiene la obligación de tramitar el siniestro. El seguro tiene la obligación legal de pagar antes de 40 días tras la notificación del siniestro.
¿En qué consiste la actividad aseguradora?
Una aseguradora es una entidad financiera que pasa a coste fijo un posible coste variable derivado de un siniestro. A las aseguradoras les transferimos nuestros riesgos de sufrir daños y perjuicios derivados de accidentes, incidentes o siniestros, como sería el caso de un seguro de vida, del hogar, de responsabilidad civil, de vehículos a motor, de garantía de una máquina, de salud, etcétera.
Un seguro es el instrumento financiero «fabricado» por la aseguradora que nos dará derecho a percibir la prestación en la forma legalmente establecida cuando hayamos sufrido el accidente. Por tanto las aseguradoras «juegan» con la probabilidad de que suframos un accidente y la cantidad que deberán pagar por él.
La actividad aseguradora regulada es simplemente lo que hemos expuesto en este aquí, ni más ni menos.
Quien tiene la obligación legal de tramitar el accidente es el usuario, no el asegurador. Y para ello destinaremos un post especial.
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