¿Qué son y para qué sirven los Servicios de Atención al Cliente de las aseguradoras?
En muchas ocasiones no estamos de acuerdo con las resoluciones que la aseguradora nos da. Esto sucede tanto en seguros de vehículos, accidentes de circulación, responsabilidad civil, viviendas, empresas, de salud, de vida, etcétera. Por tanto, si somos usuarios, ya sea asegurados o perjudicados en accidentes, y creemos que la aseguradora no ha hecho lo que debía, ¿qué debo hacer? Presentar una queja o reclamación al Servicio de Atención al Cliente.
El Servicio de Atención al Cliente (SAC) de las aseguradoras
La Ley 44/2002 obliga a todas las compañías de seguros a tener obligatoriamente un SAC y una cuenta de correo electrónico pública habilitada para atender todas las quejas o reclamaciones que los usuarios les planteen, sean éstos asegurados o perjudicados. La aseguradora debe contestar resolviendo la cuestión antes de dos meses de la fecha de presentación. Y todas las respuestas del SAC, con la resolución definitiva del tema, deben ser motivadas y acreditadas. En caso de que no sea una resolución definitiva o la resolución no esté motivada ni acreditada, se podrá interponer una denuncia a la aseguradoras-dgsfp/» target=»_blank» rel=»noopener»>Dirección General de Seguros y Fondos de Pensiones (DGSFP) por incumplir las normas sobre transparencia de mercado y protección de los derechos de los usuarios en el ámbito de los seguros, por incumplir la misma Ley 44/2002 o cualquiera de las situaciones denunciables que indicamos en el post “¿Puedo denunciar a una aseguradora? ¿En qué situaciones?”. Luego, la DGSFP y a requerimiento tuyo, ya sancionará a la aseguradora de acuerdo con la establecido en la ley 20/2015.
Piensa que la norma obliga a que el titular del SAC sea una persona con honorabilidad comercial y profesional, con conocimiento y experiencia adecuados para ejercer sus funciones, o sea, que hayan venido observando una trayectoria personal de respeto a las leyes mercantiles u otras que regulan la actividad económica y la vida de los negocios, así como de buenas prácticas comerciales y financieras, donde además deben poseer conocimientos y experiencia adecuados y haber desempeñado funciones relacionadas con la actividad financiera propia de la entidad. De este modo te aseguras que la resolución de tu caso esté en manos de un súper experto que no en manos de un operador que seguramente hace poco tiempo que entró a trabajar en esa entidad.
Los Centros Telefónicos de Atención al Cliente (CTAC) de la aseguradora
Plantear quejas vía telefónica o formularios web, donde no hay constancia de la queja y sólo sirven para gravar tu conversación y utilizarla en tu contra dado el caso, donde tampoco tendrás acceso a su contenido si ésta te favorece, no sirve de mucho. Tampoco tendrás un comprobante de registro de envío o presentación de la queja o reclamación. Por tanto no sirven para nada sino al contrario, te perjudican. Sólo te sirven como “pataleta”.
Estar horas discutiendo con un teleoperador de una mala aseguradora no sirve absolutamente para nada, aunque parece que haya gente que es feliz llamándolos para exponer sus situaciones, gritarlos o hasta insultarlos. Esos operadores están allí para aguantar los rollos de la gente y no resolver nada. Por tanto no hace falta que llames. Es nuestra recomendación.
¿Dónde puedo presentar la reclamación al SAC? Principio de “ventanilla única” de la Ley 44/2002
La queja o reclamación la puedes entregar, además de por correo electrónico, físicamente en cualquier agencia, servicios centrales, sucursal o lo que sea de esa entidad aseguradora. Esto significa sencillamente que tu queja o reclamación, en vez de presentarla directamente al Servicio de Atención al Cliente por correo electrónico, la puedes presentar en papel en cualquier delegación o persona de esa aseguradora; y tiene la obligación de entregarla al departamento que corresponda. No puede negarse y debe cogerla. Si no lo hace puedes gravarlo con tu móvil y denunciarlo a la DGSFP. Ahora bien, si la entregas en papel, tráete una segunda copia la cual, el empleado de turno, deberán sellarla y fecharla con el «registro de entrada» ya que te la quedarás como prueba de que presentaste esa reclamación o queja.
Si no encuentras los datos del SAC de la aseguradora (nombre, dirección postal y correo electrónico) los puedes consultar en el sitio web de la DGSFP. Allí están todos. También puedes llamar a la propia aseguradora y te lo darán, aunque con algunas aseguradoras, después de insistir muchísimo.
El SAC de las buenas y malas aseguradoras
Como hemos repetido en infinidad de ocasiones, están las buenas y las malas aseguradoras, y el SAC es un reflejo explícito del buen o mal seguro. A parte del precio del seguro, donde en ClaimCenter no nos “metemos”, siempre decimos que la diferencia entre una buena y una mala aseguradora, a parte de la calidad de sus productos (calidad = que cubran muchas cosas), es que cumpla con las leyes y demás normas establecidas y que actúe con buenos profesionales (talleres, operarios, peritos y abogados). Pues resulta que los buenos seguros se caracterizan porque el SAC obra de buena manera cumpliendo con las Leyes, honorabilidad y todos los requerimientos antes enunciados. Pero resulta la mala aseguradora tiene un mal SAC, donde su titular, y resto de personas que le ayudan en sus funciones, son unos auténticos timadores que incumplen de manera flagrante su misión, y sólo sirven para “marear la perdiz” y proteger los intereses de la aseguradora a toda costa.
Tu colaboración como usuario es esencial
Debes presentar tus reclamaciones o quejas al Servicio de Atención al Cliente, y si en 2 meses no te han contestado o te han contestado algo ilegal o que no está conforme a derecho, deberás presentar una queja o reclamación a la DGSFP para que adopte las medidas que considere oportunas y sancione a esa aseguradora. Con la ayuda de todos debemos mirar de mejorar este país, y mirar de castigar a esas malas aseguradoras que actúan impunemente en el mercado.
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با تدریس خصوصی در شیراز، به دروازههای موفقیت تحصیلی نزدیکتر شوید!
شهر شیراز پایتخت خلاقیت و هنر ایران،
همیشه به عنوان
مرکز علم و دانش
در جنوب ایران شناخته شده است.
امروزه نیز
مدارس و دانشگاههای معتبر کشور در این شهر واقع شدهاند و
دانشآموزان
و دانشجویان زیادی از سراسر ایران برای تحصیل به شیراز میآیند.
با این وجود، رقابت در مدارس و دانشگاههای شیراز
میتواند
برای بسیاری از دانشآموزان و دانشجویان
چالشبرانگیز باشد.
یافتن معلم خصوصی مناسب در شیراز
میتواند راه حلی
مناسب برای
این چالش باشد و به
شما کمک کند تا در
مسیر
موفقیت تحصیلی
قرار بگیرید.
مزایای داشتن معلم خصوصی در شیراز:
دسترسی به بهترین معلمان: شیراز بهترین معلمان و مدرسین کشور را در خود جای داده است. با انتخاب معلم خصوصی مناسب میتوانید بهترین فرصت آموزشی را برای خودتان فراهم کنید.
کیفیت آموزشی بالا: معلمان مجرب و کارآزموده با استفاده از روشهای نوین تدریس، مفاهیم درسی را به صورت ساده و قابل فهم به دانشآموزان آموزش میدهند.
انعطافپذیری: شما میتوانید با توجه به برنامه و شرایط خودتان زمان و مکان برگزاری کلاسهای تدریس خصوصی را مشخص کنید.
تمرکز بر نیازهای فردی: در کلاسهای تدریس خصوصی، معلم بر نیازها و ضعفهای فردی هر دانشآموز تمرکز میکند و برنامه درسی را متناسب با آنها تنظیم میکند.
افزایش اعتماد به نفس: موفقیت در تحصیل و کسب نمرات خوب، اعتماد به نفس شما را افزایش میدهد و انگیزه شما را برای یادگیری بیشتر میکند.
انتخاب معلم خصوصی در شیراز:
سابقه و تجربه: به دنبال معلمی باشید که سابقه تدریس در شیراز و تجربه کافی در این زمینه را داشته باشد.
تخصص: معلم باید در درسی که میخواهد تدریس کند تخصص داشته باشد و به روزترین روشهای تدریس آشنا باشد.
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به کمک نکات ذکر شده در این مقاله تونستم معلم خصوصی مشهد مناسب فرزندم رو پیدا کنم
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That is, until it’s challenged. ‘We often don’t give men permission to talk about the things that lead to low sex drive, such as relationship dynamics, stress and the daily grind of life,
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Yo tenía una empresa y como dueño contrate un seguro de vida y uno de ahorro para retiro, desde el año 2010; el contacto fue un broker que me dio detalle de todas las maravillas del servicio de esta compañia de seguros. Desde la firma del contrato ningún funcionario se contacto conmigo y la aseguradora hacia siempre los débitos de la cuenta de la empresa. Se cerró la empresa y no volví a saber nada de la aseguradora. En el mes de junio de este año 2020, quise retomar el tener un seguro de vida y un ahorro de retiro y me referenciaron a un ejecutivo de esta empresa de seguros, cuando me entreviste le comenté que yo tuve un seguro con ellos y que no supe nada, esta ejecutiva solicito información de mis polízas y me indicaron lo suiguiente: a) que las polízas estuvieron pagadas del 2010 al 2013; b) que estuvieron activas hasta el 2017; c) que hubieron rescates y préstamos; y c) que están canceladas y con un valore de 0. Solicite los respaldos sobre todo el manejo de las polizas y me indicaron por correo que por estar canceladas no me pueden dar los documentos; hice el reclamo en el ente de control, para pedir la información que solicité, hasta el momento estoy en espera del resultado del mismo.
Mi pregunta es: como estoy seguro que yo no he dado ni instrucciones ni se han comunicado jamás conmigo, que haría con los respaldos que me van a entregar?????, puedo denunciar y que tipo de denuncia tengo que hacer=.
Muchas gracias.
Primero de todo necesitamos saber en qué país le ha sucedido esto.
Enhorabuena por el Blog. Me ha encantado y cubre una función social muy importante.
Tengo una reclamación con Mutua Madrileña sobre un siniestro de Robo en mi casa.Ellos mismos regulan sus servicios SAC y de Defensor del Mutualista https://www.grupomutua.es/informacion-corporativa/instrucciones-solicitud/
Me han abonado sólo el 30% de un siniestro de robo. La póliza está bien contratada y sin infraseguro, además el contenido está asegurado a valor pactado con renuncia de aplicar la regla proporcional. Vino un perito de la aseguradora y me dijo que si me habían robado por ejemplo, un rolex, a no ser que tuviera la factura, me indemnizarían por un reloj de 80 € y así con todo, pese a tener bien asegurado el valor de reposición a nuevo de todo el contenido. En mi reclamación les he argumentado con las cláusulas de la póliza que no exigen aportar facturas ni al contratar ni en el siniestro, y que el importe sustraído está dentro de los limites de la póliza y que me debían de pagar el 100%. Lo que me han respondido es que hay un peritación (hecha por una perito que tienen en plantilla), que eso es lo que pagan, y que puedo nombrar yo un perito según el art 38 LCS.
A esto ultimo no le veo sentido ya que no es un siniestro de daños sino de robo y que se pague el 100% de lo sustraído depende de las cláusulas del contrato y no de otra cosa. Ya les he dicho que no voy a ir por esa vía.
La respuesta del SAC no contesta a nada de lo que les he planteado sobre las cláusulas de la póliza que justifican que se pague el 100% del siniestro y no un 30%. Como puede ver el siguiente paso después del SAC según Mutua es el Defensor del Mutualista,ya le he escrito pero son 2 meses más y me van a decir lo mismo. No sé si es mejor ir directamente a la Dirección General de Seguros o si debo esperar, o qué puedo hacer para que estos señores paguen. Perdón por la consulta tan larga.
Mil gracias
La Dirección General de Seguros y Fondos de Pensiones le va a remitir al trámite pericial. No se postulará.
Aunque usted crea que no, primero hay que cerrar el tema de las circunstancias del siniestro y la tasación de los daños de acuerdo a los hechos, los preceptos de la Ley 50/1980 de Contrato de Seguro (LCS) y el propio contrato de seguro aceptado por ambas partes. Y para ello es necesario pasar por el trámite pericial.
Puesto la aseguradora ha aceptado la cobertura del siniestro, su caso se reduce al trámite pericial, cosa que significa que, una vez resuelto, Mutua Madrileña deberá indemnizar lo que por mayoría o unanimidad resulte del Acta Conjunta formalizada por los peritos.