Aseguradora condenada a pagar daño punitivo por no pagar siniestro
Published date | 31 March 2014 |
Date | 31 March 2014 |
Author | Pablo S. Cereijido |
Law Firm | Marval O'Farrell Mairal |
El pronunciamiento fue apelado por la actora, quien se agravió: (i) por la insuficiencia de los montos indemnizatorios fijados, y (ii) por el íntegro rechazo del daño punitivo.
La Cámara de Apelaciones hizo lugar a los agravios de la actora y elevó los montos indemnizatorios de los diferentes daños. Asimismo, la Cámara hizo lugar al daño punitivo y condenó a la Aseguradora al pago de la suma de $ 40.000, por este concepto.
La sentencia sostiene que cuando se contrata un seguro se tiene en mira el hecho de que si acontece un siniestro (en el caso, el incendio de la vivienda), se cobre la indemnización en tiempo oportuno. Nada de ello ocurrió, ya que después de cinco años y dos meses la actora aún no había percibido la indemnización.
Según la decisión de la Cámara, si la discusión entre la Aseguradora y la Asegurada se encontraba circunscripta al monto indemnizatorio, la Aseguradora debió hacer un pago en consignación en los términos de los artículos 756, 757 inc. 1, 758, 761 y cc. del Código Civil, y de los artículos 49 y 51 de la Ley N° 17.418.
La Cámara entendió que la conducta asumida por la Aseguradora justifica la aplicación del daño punitivo dado que existió un grave menosprecio a los derechos del consumidor, ya que no sólo incumplió con las cláusulas contractuales sino con las...
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