Se declaró de oficio la nulidad del límite de cobertura y franquicia en un contrato de seguro de responsabilidad civil voluntario

AuthorPablo S. Cereijido
Published date26 April 2017
Date26 April 2017
Law FirmMarval O'Farrell Mairal

En los autos “R.C.H. y ot. c/ M.C. s/ Daños y Perjuicios”, que tramitaron ante el Juzgado Nacional en lo Civil N° 99, los actores reclamaron por derecho propio y en representación de su hijo menor M.M., la indemnización por los daños y perjuicios ocasionados por la incapacidad sobreviniente que el menor habría padecido como consecuencia de una supuesta mala praxis durante el parto. La demanda se instauró contra la médica obstetra que asistió a la coactora en el parto y se citó en garantía a Seguros Médicos S.A., en su carácter de aseguradora de la profesional demandada.

Al presentarse en el expediente, la compañía aseguradora denunció que en el momento del hecho (2 de marzo de 2006) existía un contrato de seguros voluntario que cubría la responsabilidad profesional médica de la demandada de responsabilidad profesional médica, cuyo límite de cobertura era de $150.000, además de una franquicia de $15.000 a cargo de la asegurada.

El juez de primera instancia hizo lugar a la demanda, y condenó a la médica obstetra al pago de AR$970.000 a favor de la sucesión del menor (fallecido a la fecha de sentencia), AR$520.000 a favor de la madre, y AR$450.000 a favor del padre. Asimismo, hizo extensiva la totalidad de la condena...

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