La Superintendencia de Seguros de la Nación sancionó a una aseguradora por irregularidades en la verificación y el pago de siniestros y en la designación de beneficiario de seguro de vida colectivo
Author | Pablo S. Cereijido,Matías Agustín Acrogliano |
Date | 12 June 2017 |
Published date | 12 June 2017 |
Law Firm | Marval O'Farrell Mairal |
En el marco de una investigación iniciada con el fin de fiscalizar a la aseguradora respecto de los estados contables al 31/12/2013, la SSN verificó que existían ciertas irregularidades respecto de los siniestros pendientes de la sección Vida Colectivo, en los que intervenía un agente institorio determinado, lo que culminó en la aplicación de una multa de AR$ 125.757 en los términos del artículo 58, inciso c, de la Ley N° 20.091.
En resumen, las conductas en infracción que dieron lugar a la sanción fueron las siguientes:
- La aseguradora había pagado siniestros sin contar con documentación respaldatoria fundamental, tal como informes médicos, recibos de pago y, en especial, copia fiel de la partida de defunción. La SSN entendió que las aseguradoras, como todo comerciante, tienen la obligación de justificar con documentación clara todos sus actos (conf. artículo 321 del Código Civil y Comercial) y que deben verificar la ocurrencia de todo siniestro, ya que, de lo contrario, los pagos carecen de causa.
- La aseguradora había emitido cheques para el pago de los siniestros a nombre de la propia aseguradora y luego los siniestros habían sido pagados en efectivo por el agente institorio, lo que violaba la obligación de las aseguradoras de efectuar pagos mediante cheques a la orden del acreedor (artículo 29, inciso f, de la Ley 20.091).
- El...
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