Examinando por Materia "Contrato de seguro"

Mostrando 1 - 8 de 8
  • No hay miniatura disponible
    Ítem
    Análisis de los presupuestos de las cláusulas abusivas en el contrato de seguro bajo la ley colombiana y su aplicación en casos prácticos
    (Universidad EAFIT, 2022) Sierra Gómez, Laura; Villegas Ríos, Juanita; Ceballos Klinkert, Laura
    Due to the high demand of insurance contracts, the insurers have implemented the contracting of these through adhesion contracts, which possibly imply an unbalance between the parties. As a result, the insurance company usually imposes unfair terms on the insured, in detriment of his rights. However, the criteria for identifying unfair terms in the insurance agreement are not fully specified in our legal system. Therefore, it is of major importance for the insured to be aware of the requirements that make up such clauses. Consequently, this paper will identify the characteristics of unfair terms in the framework of the insurance contract in Colombia, based on an integrated analysis of the relevant laws, the jurisprudence of the Supreme Court of Justice and the national and foreign doctrine. Afterwards, a casuistic analysis will be carried out, which shall allow to put into practice, and thus reinforce, the previously analyzed theory.
  • No hay miniatura disponible
    Publicación
    La obligación de información en el contrato de seguro : las objeciones deben ser serias y fundadas
    (Universidad EAFIT, 2022) Castañeda Morales, Diego; Mejía Triana, Tomás Hernán
    Through a systematic study of the commercial law under descriptive and prescriptive parameters, this paper aims to examine whether the insurer's objections to the direct claims should continue to be “serious” and “well-founded” in accordance with the Commerce Code and the Financial Consumer Statute of Colombia, based on the basis that those words were repealed of numeral 3 of article 1053 of the Commerce Code by Law 1564 of 2012. With which, in the development of the thesis, the reader will find a coherent exposition of the rules that systematize the duty of contractual information, the principle of good faith and the duty of vigilance of the Superintendencia Financiera, to conclude that it is not necessary revive the rule of article 80 of Law 45 of 1990 by which the objection formula was qualified, because the insurer's opposition must always be serious and well-founded, under penalty of paying compensation, primarily, or being fined, subsidiary.
  • No hay miniatura disponible
    Publicación
    La vinculación del asegurador en el marco del proceso de responsabilidad fiscal con fundamento en la expedición de pólizas Claims Made
    (Universidad EAFIT, 2024) Cuartas Orrego, Tomás; Estrada Escobar, Luis Felipe
    This research paper provides a brief descriptive overview of the procedure contemplated by the legislature aimed at completing the fiscal responsibility process, while identifying its main characteristics. Subsequently, it delves into the main topic of the text, which concerns the involvement of insurance companies in procedures conducted by comptroller offices based on the issuance of policies known as "claims made" policies. The main objective of the text is to study some practical challenges arising from the interpretation and application by the General Comptroller of the Republic of "claims made" policies, particularly considering the guidelines established in Circular 005 of 2020 by the Comptroller. Finally, two scenarios, one procedural and one non-procedural, will be addressed, which are suitable for mitigating or avoiding the risks arising from potential irregular decisions of the fiscal control entity.
  • No hay miniatura disponible
    Ítem
    La mala fe y el fraude en el derecho colombiano de seguros, en la revista Ibero-Latinoamericana de seguros
    (Pontificia Universidad Javeriana, 2017-01-01) D. VASQUEZ; D. VASQUEZ
    El contrato de seguro es uno en el que la buena fe tiene especial preponderancia y la misma se encuentra presente a lo largo de toda la relación aseguraticia, esto es, en la etapa precontractual.
  • No hay miniatura disponible
    Ítem
    Prescripción extintiva en el contrato de seguro de responsabilidad
    (Universidad EAFIT, 2008) Uribe Mesa, Andrés Felipe; Estrada Montoya, Susana; Flórez Bedoya, Juan Gonzalo
  • No hay miniatura disponible
    Ítem
    ¿Pueden las exclusiones del contrato de seguro llegar a generar desequilibrio contractual? Revisión de la doctrina y algunas sentencias de la Corte Suprema de Justicia
    (Universidad EAFIT, 2024) Castro ossa, Luis eduardo; Gómez M. Diana María
    In this work, the exclusions in insurance contracts are studied, which are clauses that delimit the risks indicating those that are not covered by the policy. They are necessary to protect insurers from excessively burdensome risks and for the insured to know the scope of the coverage contracted. Although their importance is recognized, it has been established that for exclusion clauses to be valid, they must be included in the contract, be clear, reasonable, and must not distort the main purpose of the insurance. Doctrine and jurisprudence have agreed that they must be interpreted restrictively and in favor of the insured, especially when they are in a position of inferiority. This is why insurers have information obligations at the time of contracting the insurance. Despite their importance, the scope and validity of the exclusions are discussed, raising the question of whether exclusions can lead to contractual imbalance? To answer this, we will study both doctrinal analyses and the positions of the Supreme Court of Justice that refer to the consequences that a poorly conceived exclusion clause may have, to determine whether or not they can create a contractual imbalance between the parties, even being classified as abusive clauses punishable by ineffectiveness. In conclusion, the drafting of exclusion clauses is a complex matter that requires a balance between the protection of insurers and the rights of the insured.
  • No hay miniatura disponible
    Ítem
  • No hay miniatura disponible
    Ítem
    El suicidio como riesgo asegurable : un estudio del desarrollo de la doctrina, legislación y jurisprudencia para el caso colombiano
    (Universidad EAFIT, 2021) Ríos Vega, Julieth Paola; Arcila Zapata, Zayra Andrea; Gómez Molina, Diana María
    The coverage of suicide in the life insurance contract has been controversial from a historical perspective. The subject has been stigmatized greatly and the morality of the act has also been questioned. Suicide or attempted suicide has even been criminalized by some laws around the world. The debate on the insurability of suicide in Colombia rests on the one hand on the motivation of the policyholder who acquires a life insurance policy and then dies by suicide (being also the insured), because it is questioned if they acquired the policy in good faith; and on the other hand, on the definition of the suicidal behavior because it is questioned if it fits the definition of insurable risk of article 1054 of the Commercial Code and the description of uninsurable acts of article 1055 that reads that acts that rest exclusively on the will power of the policyholder cannot be insured. In this writing we will explore the historical path of the insurability of suicide, the current legal doctrine and jurisprudence, as well as the influence that this has on the life insurance contract.