Bancaseguros. Responsabilidad del banco en su carácter de agente institorio
Published date | 31 July 2003 |
Author | Pablo S. Cereijido |
Date | 31 July 2003 |
Law Firm | Marval O'Farrell Mairal |
En “Denevi, Sergio c/ Banco Francés del Río de la Plata Sociedad Anónima s/ordinario” se demandó al banco la indemnización que el actor asegurado habría cobrado si el banco no hubiera omitido informar a la aseguradora el nuevo domicilio del asegurado.
El actor había tomado un seguro que protegía su casa, a través de un sistema de contratación telefónica de servicios implementado por el banco demandado. El actor fue asaltado y en consecuencia intentó cobrar de la compañía de seguros la indemnización correspondiente. La compañía de seguros rechazó el siniestro basándose en que el asegurado se había mudado y que el nuevo domicilio (que era donde había sido asaltado) no había sido denunciado a la aseguradora.
El actor señaló que él había informado telefónicamente el cambio de domicilio al banco. Prueba de la denuncia al banco era que éste había enviado resúmenes, aun antes del siniestro, al nuevo domicilio.
El banco cuestionó que se hubiera probado la denuncia del nuevo domicilio, y sostuvo que el actor había consentido los términos de la póliza al no formular objeción alguna cuando recibió una renovación en donde aparecía como domicilio del bien asegurado el domicilio anterior. Tanto en primera como en segunda instancia se tuvo por probado que el cliente había denunciado el nuevo domicilio. Se entendió que si la exigencia al actor de probar la existencia de la llamada fuera tomada con excesiva rigurosidad, la finalidad del sistema de operación telefónica implementado por el banco quedaría desvirtuada. El fallo hizo hincapié en que el sistema buscaba facilitar al cliente el trato con el banco, evitándole inconvenientes y pérdidas de tiempo. Señaló también que la promoción del sistema incluía frases que aseguraban que bastaba una llamada telefónica para tener asegurada la casa.
La Cámara señaló que teniendo en cuenta que el banco atraía clientela promocionando servicios adicionales a su...
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