Daños e inundaciones por embate de mar o fuerte oleaje
¿A causa de un intenso oleaje del mar u océano se han producido daños (materiales o personales) y pérdidas sobre tus bienes o sobre tu persona? ¿Tenías un seguro «normal» (ordinario) contratado que indemniza tu vida o tus bienes en caso de accidente? Si no tienes seguro el Consorcio de Compensación de Seguros (CCS) no te va a pagar nada. El CCS, cuando actúa como aseguradora y no como «fondo de garantía», solo paga si tienes un seguro ordinario contratado. Si no, no paga nada. ¡Ten esto bien claro!
El Consorcio de Compensación de Seguros es quien lo paga
El CCS es la «segunda aseguradora» con la que estás asegurado con ciertos tipos de accidente cuando te haces un seguro que cubre tus «daños propios» con una aseguradora ordinaria (vivienda, espectáculos, empresa, vida, accidentes personales, etcétera) o un seguro de vehículo a motor aunque sólo sea el Seguro Obligatorio del Automóvil (SOA).
El CCS tiene otras muchas funciones, y una de ellas es la de aseguradora de accidentes de tipo extraordinario. Esto que comentamos viene detallado en el «Reglamento del Seguro de Riesgos Extraordinarios» que establece lo que el CCS cubre o excluye.
¿Qué cubre uno y otro?
Las aseguradoras ordinarias no cubren los daños materiales, personales o pérdidas debido a Fenómenos Extraordinarios de la Naturaleza. De esto se dedica la segunda aseguradora que está incluida en tu seguro de «daños propios» y SOA: El Consorcio de Compensación de Seguros (CCS).
En el apartado de «Inundaciones Extraordinarias», el CCS no solo cubre inundaciones cuyo origen sea el anegamiento del terreno producido por la acción directa de las aguas de lluvia, las procedentes de deshielo o las de los lagos que tengan salida natural, de los ríos o rías o de cursos naturales de agua en superficie, cuando éstos se desbordan de sus cauces normales. En CCS, además, cubre los daños y pérdidas provocados sobre los bienes (casas, empresas, vehículos a motor como coches, motos, pérdida de beneficios, etcétera) o personas por la inundación por el embate del mar.
Y siempre que tengas asegurada tu vida, tus bienes y tu lucro cesante, el CCS deberá pagarte esos daños sufridos. No lo hará tu aseguradora ordinaria.
¿Dónde reclamar?
Si se ha inundado o dañado tu vehículo, tu vivienda, empresa o escenario de un espectáculo o almacén o una ola gigante se ha «tragado a un pariente tuyo» que estaba mirando el oleaje en la bocana de un puerto o en el paseo marítimo y ha sufrido daños personales o ha muerto, ya sabes que debes reclamar al CCS en vez de la aseguradora ordinaria. En otro post te contamos cómo declarar accidentes y reclamar las indemnizaciones al CCS.
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