Contrato de seguro automotor y distorsiones del mercado
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2022-11-16
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Descripción
El presente trabajo tiene por objeto realizar una aproximación a la problemática -que afecta tanto a aseguradores como asegurados- referida a las dificultades que actualmente se presentan para la estimación real del valor asegurable de un bien automotor en las coberturas contra daños que afectan el casco del vehículo (incendio, robo, daño), en razón de las distorsiones de precios existentes en el mercado, que provocan indeseables consecuencias tanto a la hora de estimar la suma asegurada, como al momento liquidar el daño y cuantificar la indemnización.
Tras el planteo de la problemática, se ensayarán posibles soluciones transitorias; sin perder de vista la imperiosa necesidad de realizar abordaje multisectorial e interdisciplinario, que permita arribar a soluciones superadoras que tiendan a erradicar definitivamente las causas generadoras de conflicto.
Se pondrá de manifiesto que el proceso de toma de decisiones dentro del ámbito de la empresa deberá prestar especial observancia al cambio de aquellas circunstancias endógenas y exógenas que alteren el diseño y/o eficacia de los productos o servicios; debiendo imponerse, tanto al momento de comercializar como de liquidar los siniestros, un accionar preventivo no sólo en resguardo los intereses de la empresa, sino también de los destinatarios finales de los productos o servicios comercializados, procurando a su vez evitar el indeseable incremento del riesgo judicial.
The purpose of this text is trying to approximate to the problem that affects both insurers and insured, referring to the difficulties that currently appear for the real estimation of the insurable value related to coverage against possible damages on the vehicle (fire, theft, damage), due to price distortions existing in the market which cause undesirable consequences when estimating the insured amount and when liquidating the damage and quantifying the compensation. After identifying the problem, possible transitory solutions will be tested; without losing focus on the urgent need to make a multisectoral and interdisciplinary approach, which allows reaching superior solutions that tend to definitively eradicate the causes that generate conflict. The decision-making process within the scope of the company must pay special attention to the change of those endogenous and exogenous circumstances that affect the design and effectiveness of the products or services. Both at the time of selling and settling insurances, preventive actions need to prevail in favor of the interests of the company and the customers. Also seeking in turn to avoid the undesirable increase in court risk.
The purpose of this text is trying to approximate to the problem that affects both insurers and insured, referring to the difficulties that currently appear for the real estimation of the insurable value related to coverage against possible damages on the vehicle (fire, theft, damage), due to price distortions existing in the market which cause undesirable consequences when estimating the insured amount and when liquidating the damage and quantifying the compensation. After identifying the problem, possible transitory solutions will be tested; without losing focus on the urgent need to make a multisectoral and interdisciplinary approach, which allows reaching superior solutions that tend to definitively eradicate the causes that generate conflict. The decision-making process within the scope of the company must pay special attention to the change of those endogenous and exogenous circumstances that affect the design and effectiveness of the products or services. Both at the time of selling and settling insurances, preventive actions need to prevail in favor of the interests of the company and the customers. Also seeking in turn to avoid the undesirable increase in court risk.
Palabras clave
Contrato de seguro, Mercado automotor, Distorsiones de precios, Accionar preventivo, Toma de decisiones, Insurance contract, automotive market