{"id":2126,"date":"2020-01-08T08:26:00","date_gmt":"2020-01-08T07:26:00","guid":{"rendered":"http:\/\/garanley.com\/?p=2126"},"modified":"2020-03-23T19:51:21","modified_gmt":"2020-03-23T18:51:21","slug":"indemnitzacio-impagament-polissa","status":"publish","type":"post","link":"https:\/\/garanley.com\/ca\/accidents-transit\/indemnitzacio-impagament-polissa\/","title":{"rendered":"Indemnitzaci\u00f3 per accident de tr\u00e0nsit en cas d&#8217;impagament de p\u00f2lissa"},"content":{"rendered":"<div style=\"display: none;\"\n    class=\"kk-star-ratings kksr-valign-top kksr-align-right kksr-disabled\"\n    data-id=\"2126\"\n    data-slug=\"\">\n    <div class=\"kksr-stars\">\n    <div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n    <\/div>\n    <div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\">\n            <div class=\"kksr-icon\" style=\"width: px; height: px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n    <div class=\"kksr-legend\">\n            <strong class=\"kksr-score\">5<\/strong>\n        <span class=\"kksr-muted\">\/<\/span>\n        <strong>5<\/strong>\n        <span class=\"kksr-muted\">(<\/span>\n        <strong class=\"kksr-count\">1<\/strong>\n        <span class=\"kksr-muted\">\n            vote        <\/span>\n        <span class=\"kksr-muted\">)<\/span>\n    <\/div>\n<\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy counter-numeric ez-toc-transparent\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Resumen del art&iacute;culo<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/garanley.com\/ca\/accidents-transit\/indemnitzacio-impagament-polissa\/#deuen-les-asseguradores-indemnitzar-per-accident-en-cas-de-polisses-amb-impagament\" title=\"Deuen les asseguradores indemnitzar per accident, en cas de p\u00f2lisses amb impagament?\">Deuen les asseguradores indemnitzar per accident, en cas de p\u00f2lisses amb impagament?<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/garanley.com\/ca\/accidents-transit\/indemnitzacio-impagament-polissa\/#el-fiva-i-el-consorci-de-compensacio-dassegurances\" title=\"El FIVA i el Consorci de Compensaci\u00f3 d&#8217;Assegurances\">El FIVA i el Consorci de Compensaci\u00f3 d&#8217;Assegurances<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"deuen-les-asseguradores-indemnitzar-per-accident-en-cas-de-polisses-amb-impagament\"><\/span>Deuen les asseguradores indemnitzar per accident, en cas de p\u00f2lisses amb impagament?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Una recent resoluci\u00f3 judicial del Tribunal Suprem obliga a les companyies asseguradores a indemnitzar als damnificats per accidents de circulaci\u00f3, encara que existeixi impagament de la p\u00f2lissa d&#8217;asseguran\u00e7a obligatori i fins que no es comuniqui per escrit l&#8217;extinci\u00f3 del contracte al client.<\/strong><\/p>\n<hr \/>\n<p>Quan subscrius un segur obligatori de responsabilitat civil en la circulaci\u00f3 de vehicles a motor, l&#8217;asseguradora no arriba a cobrar la primera cosina o cosina \u00fanica i en aquest interval de temps sofreixes un accident de tr\u00e0nsit del que resultes culpable, la teva companyia est\u00e0 obligada a indemnitzar als afectats pel sinistre, sempre que no t&#8217;hagi comunicat amb car\u00e0cter previ i expressament, per qualsevol mitj\u00e0 adm\u00e8s en dret, la resoluci\u00f3 del contracte.<\/p>\n<p>En una recent sent\u00e8ncia, el Tribunal Suprem afirma que per resoldre una p\u00f2lissa del segur obligatori d&#8217;autom\u00f2bils no \u00e9s suficient amb acreditar, en cas d&#8217;impagament de la cosina, la culpabilitat del prenedor. D&#8217;aquesta manera, es desestima un recurs de cassaci\u00f3 interposat per una asseguradora, confirmant aix\u00ed una sent\u00e8ncia pr\u00e8via de l&#8217;Audi\u00e8ncia Provincial de Pontevedra que va condemnar a aquesta companyia a abonar 369.000 euros al Consorci de Compensaci\u00f3 d&#8217;Assegurances. Aquesta quantitat havia servit per indemnitzar als afectats en un accident ocasionat per un vehicle, aparentment sense segur.<\/p>\n<p>En la resoluci\u00f3 judicial s&#8217;indica que el conductor va recon\u00e8ixer la seva culpabilitat en el judici seguit contra ell i el propietari del vehicle. A m\u00e9s, es va aportar una comunicaci\u00f3 d&#8217;una entitat de cr\u00e8dit, que instava al client a regularitzar el descobert (la companyia no va poder cobrar la p\u00f2lissa, perqu\u00e8 el compte del prenedor mancava de fons). No obstant aix\u00f2, la sent\u00e8ncia estableix que, malgrat l&#8217;impagament de la cosina amb anterioritat al sinistre, l&#8217;asseguradora no queda alliberada de la seva obligaci\u00f3 d&#8217;indemnitzar perqu\u00e8, enfront de tercers, \u201ccal acreditar, a m\u00e9s, la comunicaci\u00f3 recepticia dirigida al prenedor del segur declarant resolt i sense efecte algun el contracte\u201d.<\/p>\n<p>Conv\u00e9 recordar en aquest punt que l&#8217;asseguradora condemnada (Assegurances Bilbao) va comunicar la impossibilitat del cobrament de la cosina al FIVA (Fitxer Informatiu de Vehicles Assegurats), perqu\u00e8 es proced\u00eds a donar de baixa la p\u00f2lissa. No obstant aix\u00f2, aquesta acci\u00f3 no va ser suficient per eximir a la companyia del pagament de la indemnitzaci\u00f3 perqu\u00e8, com ha indicat el Tribunal Suprem i reiterem de nou aqu\u00ed, falta la comunicaci\u00f3 al prenedor del segur, declarant resolt el contracte.<\/p>\n<p>\u00c9s probable que no tinguis clares les funcions del FIVA i del Consorci de Compensaci\u00f3 d&#8217;Assegurances. Per aix\u00f2 i a continuaci\u00f3, t&#8217;oferim algunes pinzellades sobre tots dos.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"el-fiva-i-el-consorci-de-compensacio-dassegurances\"><\/span>El FIVA i el Consorci de Compensaci\u00f3 d&#8217;Assegurances<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>El FIVA \u00e9s una base de dades p\u00fablica gestionada pel Consorci de Compensaci\u00f3 d&#8217;Assegurances des de 1996. La seva finalitat \u00e9s subministrar la informaci\u00f3 precisa, perqu\u00e8 els implicats en accidents de tr\u00e0nsit i autoritats (Gu\u00e0rdia Civil, Policies, Serveis d&#8217;Urg\u00e8ncia&#8230;) coneguin, com m\u00e9s aviat millor, els aspectes relatius a les companyies que cobreixen la responsabilitat civil dels vehicles afectats. Una altra de les seves missions \u00e9s facilitar el control de l&#8217;obligaci\u00f3 d&#8217;assegurar-se.<\/p>\n<p>Formen part del FIVA les dades dels vehicles amb estacionament habitual a Espanya i assegurats amb la cobertura de responsabilitat civil obligat\u00f2ria. Les companyies d&#8217;assegurances han de subministrar a aquesta base, di\u00e0riament, les actualitzacions de dades amb baixes i altes de vehicles assegurats, a trav\u00e9s del Sistema de Transfer\u00e8ncia de Fitxers (EDITRAN). Aquests vehicles s&#8217;identifiquen amb la matr\u00edcula i un codi de la marca en q\u00fcesti\u00f3. La informaci\u00f3 continguda en el FIVA gaudeix de presumpci\u00f3 de veracitat a efectes informatius, tret que es provi el contrari.<\/p>\n<p>Com acabes de llegir, el FIVA est\u00e0 gestionat pel Consorci de Compensaci\u00f3 d&#8217;Assegurances, una entitat p\u00fablica empresarial adscrita al Ministeri d&#8217;Economia, que s&#8217;encarrega de l&#8217;assegurament directe d&#8217;una s\u00e8rie de riscos no coberts pel mercat i si es fes c\u00e0rrec, de forma subsidi\u00e0ria i en abs\u00e8ncia de cobertura per part d&#8217;una companyia, dels danys ocasionats, en aquest cas, per vehicles a motor.<\/p>\n<p>El Consorci est\u00e0 relacionat amb la cobertura de riscos extraordinaris i els seus or\u00edgens es remunten a 1941, quan es va crear el Consorci de Compensaci\u00f3 de Riscos de Mot\u00ed, despr\u00e9s de la Guerra Civil.<\/p>\n<p><strong>Conclusi\u00f3<\/strong><\/p>\n<p>En resum, la doctrina fixada pel Tribunal Suprem (STS 267\/2015, de 10 de setembre) considera que la falta de pagament de la cosina del segur obligatori abans d&#8217;un accident de circulaci\u00f3 i la demostraci\u00f3 de culpabilitat del prenedor no tenen com a efecte, per si mateixes, l&#8217;alliberament a l&#8217;assegurador de la seva obligaci\u00f3 de rescabalar als afectats, tal com considerava Segurs Bilbao en el seu recurs de cassaci\u00f3 (544\/2013). Per procedir a la resoluci\u00f3 del contracte per impagament tamb\u00e9 s&#8217;exigeix acreditar la comunicaci\u00f3 recepticia al prenedor del segur, declarant resolt el contracte.<\/p>\n<p>Com pots comprovar, les q\u00fcestions relacionades amb les indemnitzacions per accidents de circulaci\u00f3 poden resultar complexes des del punt de vista jur\u00eddic. \u00c9s per aix\u00f2 que, des de Garanley Advocats, et recomanem acudir a professionals del dret amb certa experi\u00e8ncia en aquest \u00e0mbit, per solucionar tots els dubtes. No ho dubtis!, \u00e9s la millor garantia per als teus interess<\/p>\n","protected":false},"excerpt":{"rendered":"<p>5 \/ 5 ( 1 vote ) Deuen les asseguradores indemnitzar per accident, en cas de p\u00f2lisses amb impagament? Una recent resoluci\u00f3 judicial del Tribunal Suprem obliga a les companyies asseguradores a indemnitzar als damnificats per accidents de circulaci\u00f3, encara que existeixi impagament de la p\u00f2lissa d&#8217;asseguran\u00e7a obligatori i fins que no es comuniqui per &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/garanley.com\/ca\/accidents-transit\/indemnitzacio-impagament-polissa\/\"> <span class=\"screen-reader-text\">Indemnitzaci\u00f3 per accident de tr\u00e0nsit en cas d&#8217;impagament de p\u00f2lissa<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-2126","post","type-post","status-publish","format-standard","hentry","category-accidents-transit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Indemnitzaci\u00f3 per accident amb p\u00f2lissa impagada | Garanley Advocats<\/title>\n<meta name=\"description\" content=\"El Tribunal Suprem obliga a les companyies asseguradores a indemnitzar als damnificats per accidents de circulaci\u00f3, encara que existeixi impagament de la p\u00f2lissa d&#039;asseguran\u00e7a obligatori i fins que no es comuniqui per escrit 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