Nuevamente se condena a compañía aseguradora a pagar por encima del límite de cobertura
Author | Pablo S. Cereijido |
Published date | 30 November 2016 |
Date | 30 November 2016 |
Law Firm | Marval O'Farrell Mairal |
En los autos “M., C. D. y otro c/ M., M. M. y otros s/ daños y perjuicios (acc.tran. c/les. o muerte)” (Expte. N° 51968/2010), la parte actora reclamó la suma de $ 502.500 en concepto de indemnización por los daños sufridos a raíz del accidente de tránsito ocurrido el 16 de julio de 2009, en el que habría participado junto con el vehículo de la parte demandada. Asimismo, citó en garantía a la compañía aseguradora de este último, quien opuso el límite cuantitativo de cobertura de $ 125.000.
El juez de primera instancia desestimó la demanda instaurada, lo que motivó la interposición del recurso de apelación y consecuente expresión de agravios por parte del actor.
Sin perjuicio del análisis de responsabilidad del demandado y la revocación del pronunciamiento del juez de primera instancia, la Sala “A” de la Cámara Nacional de Apelaciones en lo Civil dejó sin efecto el límite de cobertura estipulado en el contrato de seguro, condenando a la compañía a abonar la suma de $ 344.000 más intereses (fallo del 22 de septiembre de 2016).
Entre sus fundamentos, la cámara reprochó la actuación profesional del abogado de la aseguradora quien, siendo apoderado de la compañía y del asegurado dentro del mismo proceso, habría tenido intereses contrapuestos que no podían ser unificados en una única personería. Sostuvo que la hipotética admisión del límite de cobertura beneficiaría a la empresa aseguradora a costas del asegurado, por lo que mal pudo intervenir el profesional en representación de ambas partes. Aseguró además que el letrado en cuestión habría violado los principios de lealtad, probidad y buena fe que impone el Código Procesal a los sujetos del proceso, lo que llevó a considerar al límite de cobertura como “inadmisible por el modo como fuera propuesto”.
El sentenciante reforzó su decisión utilizando los basamentos del derecho del consumidor. Afirmó que el contrato de seguro es un contrato de consumo al que resulta aplicable el artículo 37 de la Ley de Defensa del Consumidor en lo que respecta a la...
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