Seguro de caución - Condena a tomador de la póliza a liberar de responsabilidad a la aseguradora
Author | Walter C. Keiniger |
Date | 04 June 2012 |
Published date | 04 June 2012 |
Law Firm | Marval O'Farrell Mairal |
En garantía de la ejecución de contratos de obra, la demandada contrató con la aseguradora pólizas de seguro de caución, siendo sus beneficiarios determinados entes públicos. Con posterioridad a la contratación de los seguros, el demandado dejó de pagar las primas correspondientes.
La actora promovió demanda, reclamando al demandado: a) el pago de las primas impagas; b) la condena a realizar actos positivos tendientes a la liberación de la aseguradora de las obligaciones asumidas mediante la celebración de los contratos de caución; y c) la devolución de las pólizas en cuestión. La aseguradora afirmó que la liberación de las fianzas asumidas encontraba fundamento en el texto de la póliza, y que estaba dirigida exclusivamente contra el demandado, sin que por ello se afecte la garantía comprometida a los asegurados.
La sentencia de primera instancia hizo lugar sólo parcialmente a la demanda, y condenó al demandado solamente a que pague a la aseguradora las primas impagas. La actora apeló la sentencia.
En la segunda instancia, la Cámara entendió que no correspondía hacer lugar a la liberación de la aseguradora, pues no había sido probado el cumplimiento de las obras aseguradas a través de las pólizas de caución. Sostuvo el tribunal que la demandada tomó seguros de caución para asegurar a sus acreedores (entes públicos) que, en caso de no realizar la obra, los acreedores recibirían una indemnización del asegurador. Así, la aseguradora tiene la obligación de mantener el seguro hasta tanto el deudor, tomador de la póliza, no haya sido liberado de responsabilidad, lo que ocurre con la entrega definitiva de la obra.
No obstante, la Cámara entendió que no podía ignorarse el derecho que le asistía a la aseguradora de procurar su liberación de responsabilidad mediante la...
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