Strict Standards: Non-static method Loader::database() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 23

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 164

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 165

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 166

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 167

Strict Standards: Declaration of dbTable::create() should be compatible with dbObject::create() in /home/conex/public_html/sitio/concrete/libraries/3rdparty/adodb/adodb-xmlschema03.inc.php on line 642

Strict Standards: Declaration of dbIndex::create() should be compatible with dbObject::create() in /home/conex/public_html/sitio/concrete/libraries/3rdparty/adodb/adodb-xmlschema03.inc.php on line 806

Strict Standards: Declaration of dbData::create() should be compatible with dbObject::create() in /home/conex/public_html/sitio/concrete/libraries/3rdparty/adodb/adodb-xmlschema03.inc.php on line 1051

Strict Standards: Declaration of dbQuerySet::create() should be compatible with dbObject::create() in /home/conex/public_html/sitio/concrete/libraries/3rdparty/adodb/adodb-xmlschema03.inc.php on line 1302

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 168

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 26

Strict Standards: Non-static method Cache::startup() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 27

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 64

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 28

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 30

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 31

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 32

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 33

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 34

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 35

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 36

Strict Standards: Declaration of DatabaseItemList::sortBy() should be compatible with ItemList::sortBy($column, $direction = 'asc') in /home/conex/public_html/sitio/concrete/libraries/item_list.php on line 0

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 37

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 38

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 39

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 40

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 41

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 42

Strict Standards: Declaration of BlockController::setupAndRun() should be compatible with Controller::setupAndRun() in /home/conex/public_html/sitio/concrete/libraries/block_controller.php on line 0

Strict Standards: Declaration of BlockController::get() should be compatible with Controller::get($key = NULL) in /home/conex/public_html/sitio/concrete/libraries/block_controller.php on line 0

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 43

Strict Standards: Declaration of AttributeTypeView::action() should be compatible with View::action($action, $task = NULL) in /home/conex/public_html/sitio/concrete/libraries/attribute/view.php on line 0

Strict Standards: Non-static method Loader::library() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 44

Strict Standards: Declaration of AttributeTypeController::setupAndRun() should be compatible with Controller::setupAndRun() in /home/conex/public_html/sitio/concrete/libraries/attribute/controller.php on line 0

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 52

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 53

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 54

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 55

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 56

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 57

Strict Standards: Declaration of PendingAttributeType::getList() should be compatible with AttributeType::getList($akCategoryHandle = false) in /home/conex/public_html/sitio/concrete/models/attribute/type.php on line 0

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 58

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 59

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 60

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/models/file.php on line 3

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 61

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 62

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 63

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 64

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 65

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/models/collection_types.php on line 25

Strict Standards: Declaration of CollectionAttributeKey::getList() should be compatible with AttributeKey::getList($akCategoryHandle, $filters = Array) in /home/conex/public_html/sitio/concrete/models/attribute/categories/collection.php on line 0

Strict Standards: Declaration of CollectionAttributeKey::add() should be compatible with AttributeKey::add($akCategoryHandle, $type, $args, $pkg = false) in /home/conex/public_html/sitio/concrete/models/attribute/categories/collection.php on line 0

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 66

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 67

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 68

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 69

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 70

Strict Standards: Declaration of Page::add() should be compatible with Collection::add($data) in /home/conex/public_html/sitio/concrete/models/page.php on line 0

Strict Standards: Declaration of Page::duplicate() should be compatible with Collection::duplicate() in /home/conex/public_html/sitio/concrete/models/page.php on line 0

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 71

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 72

Strict Standards: Declaration of ComposerPage::getByID() should be compatible with Page::getByID($cID, $versionOrig = 'RECENT', $class = 'Page') in /home/conex/public_html/sitio/concrete/models/composer_page.php on line 0

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/models/composer_page.php on line 11

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 73

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 74

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 75

Strict Standards: Non-static method Loader::model() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 76

Strict Standards: Non-static method View::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/config/theme_paths.php on line 4

Warning: session_start(): Cannot send session cookie - headers already sent by (output started at /home/conex/public_html/sitio/concrete/dispatcher.php:23) in /home/conex/public_html/sitio/concrete/startup/session.php on line 18

Warning: session_start(): Cannot send session cache limiter - headers already sent (output started at /home/conex/public_html/sitio/concrete/dispatcher.php:23) in /home/conex/public_html/sitio/concrete/startup/session.php on line 18

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 13

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 20

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 24

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 27

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 31

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 35

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 39

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 43

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 48

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 54

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 90

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 114

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 118

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 122

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 126

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 131

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 136

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 140

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 144

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 148

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 152

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 156

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 160

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 165

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 168

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/app.php on line 177

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Config::getOrDefine() should not be called statically in /home/conex/public_html/sitio/concrete/config/localization.php on line 5

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/config.php on line 108

Strict Standards: Non-static method Localization::init() should not be called statically in /home/conex/public_html/sitio/concrete/config/localization.php on line 37

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/conex/public_html/sitio/concrete/startup/autoload.php on line 4

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 245

Strict Standards: Non-static method FileTypeList::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/config/file_types.php on line 15

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/startup/debug_logging.php on line 3

Strict Standards: Non-static method Cache::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/package.php on line 78

Strict Standards: Non-static method Cache::key() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 116

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 120

Strict Standards: Non-static method Cache::key() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 136

Strict Standards: Non-static method Loader::package() should not be called statically in /home/conex/public_html/sitio/concrete/startup/packages.php on line 8

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 281

Strict Standards: Non-static method Loader::package() should not be called statically in /home/conex/public_html/sitio/concrete/startup/packages.php on line 8

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 281

Strict Standards: Non-static method Loader::package() should not be called statically in /home/conex/public_html/sitio/concrete/startup/packages.php on line 8

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 281

Strict Standards: Non-static method Loader::package() should not be called statically in /home/conex/public_html/sitio/concrete/startup/packages.php on line 8

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 281

Strict Standards: Non-static method Events::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/events.php on line 97

Strict Standards: Non-static method User::checkUserForeverCookie() should not be called statically in /home/conex/public_html/sitio/concrete/startup/user.php on line 4

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/conex/public_html/sitio/concrete/startup/autoload.php on line 4

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 245

Strict Standards: Non-static method Loader::db() should not be called statically in /home/conex/public_html/sitio/concrete/models/attribute/type.php on line 80

Strict Standards: Declaration of SelectAttributeTypeController::saveKey() should be compatible with AttributeTypeController::saveKey() in /home/conex/public_html/sitio/concrete/models/attribute/types/select/controller.php on line 0

Strict Standards: Declaration of SelectAttributeTypeController::duplicateKey() should be compatible with AttributeTypeController::duplicateKey() in /home/conex/public_html/sitio/concrete/models/attribute/types/select/controller.php on line 0

Strict Standards: Non-static method Config::get() should not be called statically in /home/conex/public_html/sitio/concrete/startup/maintenance_mode_check.php on line 5

Strict Standards: Non-static method PermissionsCache::exists() should not be called statically in /home/conex/public_html/sitio/concrete/models/permissions.php on line 69

Strict Standards: Non-static method PermissionsCache::getIdentifier() should not be called statically in /home/conex/public_html/sitio/concrete/models/permissions.php on line 15

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/conex/public_html/sitio/concrete/startup/process.php on line 29

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 245

Strict Standards: Non-static method Events::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/events.php on line 127

Strict Standards: Non-static method View::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/dispatcher.php on line 262

Strict Standards: Non-static method Events::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/events.php on line 127

Strict Standards: Non-static method Cache::get() should not be called statically in /home/conex/public_html/sitio/concrete/models/collection_types.php on line 40

Strict Standards: Non-static method Cache::key() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 116

Strict Standards: Non-static method Cache::getLibrary() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 120

Strict Standards: Non-static method Cache::key() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/cache.php on line 136

Strict Standards: Non-static method Events::getInstance() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/events.php on line 127

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method Jshare::addtoheader() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/events.php on line 164

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/conex/public_html/sitio/packages/jshare/models/jshare.php on line 14

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 245

Strict Standards: Non-static method View::getInstance() should not be called statically in /home/conex/public_html/sitio/packages/jshare/models/jshare.php on line 15

Strict Standards: Non-static method Loader::helper() should not be called statically in /home/conex/public_html/sitio/packages/jshare/models/jshare.php on line 21

Strict Standards: Non-static method Object::camelcase() should not be called statically in /home/conex/public_html/sitio/concrete/libraries/loader.php on line 245

Strict Standards: Non-static method Package::getByHandle() should not be called statically in /home/conex/public_html/sitio/packages/jshare/models/jshare.php on line 21

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ConexJuridica :: ¿Cuándo debe el asegurador pagar la indemnización por la ocurrencia del siniestro?

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¿Cuándo debe el asegurador pagar la indemnización por la ocurrencia del siniestro?

October 23, 2012 at 11:07 AM

¿Cuándo debe el asegurador pagar la indemnización por la ocurrencia del siniestro?

En el contrato de seguro la ley establece un término para que el asegurador cancele la indemnización a la que tiene derecho el asegurado o sus beneficiarios cuando ocurre el siniestro, el código de comercio establece que la indemnización por la ocurrencia del siniestro se debe efectuar dentro del mes siguiente, al día en que el asegurado o beneficiario certifique su derecho ante el asegurador.

Corresponde al asegurado o a sus beneficiarios, según el caso acreditar aun extrajudicialmente para obtener el pago de la indemnización por la ocurrencia del siniestro, su derecho. Una vez acreditado el derecho dentro del mes siguiente tiene plazo el asegurador para pagar.

Entonces es obligación del asegurado o de los beneficiarios demostrar la ocurrencia del siniestro, al igual que la cuantía de la perdida, es decir, que la carga de la prueba le corresponde al asegurado o a los beneficiarios. También deben demostrar  ya sea el asegurado o sus beneficiarios los hechos o situaciones excluyentes de su responsabilidad.

Recordemos que el código de comercio en el inciso segundo del artículo 1078 establece que la mala fe en la reclamación o comprobación del derecho al pago de determinado siniestro, acarrea como consecuencia la pérdida del derecho. La buena fe adquiere un papel fundamental en las relaciones jurídicas, especialmente en el contrato de seguro, como lo expreso la Corte Suprema de Justicia  sala de casación de civil en sentencia de 21 mayo de 2002, expediente 7288:

“En este campo, el principio de la buena fe se magnifica, en la medida en que a diferencia de muchos otros contratos en que la astucia o habilidad de las partes pueden llevarla o obtener ciertas ventajas amparadas por la ley, en el contrato de seguro esta noción ostenta especial importancia, porque tanto en su formación como en su ejecución él se supedita a una serie de informaciones de las partes, que muchas veces no implican verificación previa, si se trata de exigencias legales para la contratación tendientes a que el consentimiento del asegurador se halle libre de todo vicio, especialmente de error, para que pueda conocer en toda su extensión el riesgo que va a sumir.”

En síntesis es fundamental actuar con buena fe en el contrato de seguro, mas cuando se trate de la reclamación del derecho al pago de la indemnización, por ocurrencia del siniestro, pues de lo contrario podemos perder dicho derecho.

(Tomado gerencia.com)

 

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