Nulidad de la franquicia en el contrato de seguro
Published date | 12 October 2006 |
Date | 12 October 2006 |
Law Firm | Marval O'Farrell Mairal |
En los autos “Barreiro Jorge Andres c/ Transportes Metropolitanos Belgrano Sur s/ irdinario” el 20 de julio de 2006 la Sala A de la Cámara Nacional de Apelaciones en lo Comercial dispuso la nulidad de una cláusula que establecía una franquicia de un contrato de seguro de responsabilidad civil.
La litis se había suscitado con motivo del accidente ferroviario ocurrido con fecha 29 de julio de 1997 cuando el actor que venía circulando en su motocicleta, al cruzar las víaas del ferrocarril fue embestido por el tren perteneciente a Transportes Metropolitanos Belgrano Sur.
El juez de primera instancia hizo lugar a la acción contra la empresa ferroviaria y rechazó la misma en relación a la citada en garantía en virtud de que el monto de la condena caía dentro de la franquicia estipulada en US$ 300.000.
La Cámara, por su parte, consideró que dicha franquicia era inoponible al actor y revocó la sentencia de primera instancia, haciendo extensiva la condena a la compañía de seguros citada por la empresa demandada.
Para resolver de tal manera, consideró que en el contrato de Concesión de Servicios Ferroviarios de Pasajeros correspondiente al Grupo de Servicios 7 (ex Línea Belgrano Sur) se estableció la obligación por parte del concesionario de contratar un seguro de responsabilidad civil. Que dicha obligación no fue cumplida conforme el principio general del derecho de la buena fe por las partes co-contratantes, es decir asegurado y asegurador, en virtud de que al...
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