¿El seguro debe gestionar mi accidente?
Tramitar un siniestro significa llevar a cabo todas las gestiones necesarias para que la aseguradora liquide el siniestro antes de 40 días desde su notificación mediante el pago de una prestación con dinero, o en especies, o decline el pago por falta de cobertura. Ahora bien: ¿quien debe gestionar el accidente?
La Ley establece que es el asegurado quien debe gestionar el accidente, notificando al asegurador las causas, circunstancias y consecuencias del siniestro. También indica que el asegurado deberá comunicar la estimación valorada de los daños y perjuicios. El usuario, además, deberá acreditar la existencia de los daños y perjuicios, los objetos salvados y los preexistentes al tiempo del siniestro. Por tanto recae sobre el asegurado la carga de la prueba. La Ley indica que debe ser el usuario quien debe ocuparse de todo, o sea, cocinar el accidente para que la aseguradora lo pague. ¿Y la gente lo hace? ¡Rotundamente no!
¿Qué hacen las personas normalmente?
Las personas transfieren la gestión del accidente a la aseguradora cuando ésta no tiene ninguna obligación de hacerlo, pero como éstas deben cumplir los con los plazos y requisitos legales que la Ley le obliga ante la inacción del asegurado, deben «buscarse la vida» asignando el caso a peritos, talleres y operarios para pagar la prestación antes de los 40 días. Si no, están expuestas a que la Dirección General de Seguros y Fondos de Pensiones pueda sancionarlas con multas de hasta 60.000 €. Y es obvio que, si dejas que la aseguradora «cocine» o tramite tu accidente, lo cocinará a su gusto y no al tuyo, por lo que luego no te quejes si “la comida estaba muy picante”.
Y si quieres que la aseguradora pague lo que tú mereces deberás cocinar tú el asunto contratando a empresas de Gestión de Siniestros o peritos, como ClaimCenter u otras. Si dejas que sea el seguro quien lo haga, luego sufrirás las consecuencias. La Ley te obliga cocinar a ti, no a la aseguradora.
Conclusión
Si quieres cocinar a tu gusto contrata tú al cocinero (Gestor de Siniestros), ya que si los contrata el seguro, éstos cocinarán a gusto del asegurador y no del tuyo.
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