La Responsabilidad Civil Familiar. Cuando dañamos a otros «sin querer»
El otro día una ráfaga de viento arrancó el toldo del balcón de mi casa, ubicada en la sexta planta de un edificio de viviendas. Cayó encima de un coche que perdió la visibilidad, abordó la acera y se empotró contra una terraza de un bar lleno de gente. Los daños fueron que arrancó un trozo de la fachada de la comunidad, el toldo, el coche abollado, varias personas heridas y el mobiliario del bar. ¡Una desgracia!
La sorpresa fue mayúscula cuando di el parte a mi seguro del hogar y me dijeron que no entraba nada. Ni los daños al toldo ni los causados a terceros ya que mi seguro del hogar no tenía el “continente”, y como el toldo era considerado “continente”, no entraba ni el toldo ni los daños a terceros causados por éste. Pero ¿cómo podían condicionar la garantía de responsabilidad civil con respecto a los perjudicados a que tuviera el “continente” asegurado? Resulta que mi responsabilidad civil causada por elementos de continente (toldo, tejas, barandillas,…) quedaba cubierta a condición que tuviera esa partida asegurada; y de manera análoga, mi responsabilidad civil ocasionada por elementos de contenido (una mesa, una bicicleta o mi hijo) quedaba amparada a condición que tuviera el contenido asegurado. ¡Una injusticia y una incongruencia!
Resulta que la aseguradora, en vez de cubrir mi responsabilidad civil como persona física dentro del ámbito de mi vida privada en el sentido más amplio, el contrato limitaba mi responsabilidad condicionándola a según qué partidas de “daños propios” tenía aseguradas. Una condición del todo arbitraria. Asegurar bienes propios es una cosa y no tiene nada que ver frente a los daños que mi patrimonio, mi familia o yo mismo pueda causar a terceros. ¡Son dos cosas distintas y ganas de que las personas veamos esto como excusas para dejar de pagar y restringir nuestros derechos!
Otra cosa muy distinta es que haya riesgos cuya responsabilidad civil deba asegurarse a parte, como es el caso del seguro obligatorio del automóvil, el seguro del cazador, responsabilidades derivadas de actividades profesionales o mercantiles, etcétera, cuyo riesgo varía mucho en función del tipo de actividad desarrollada. Pero limitar la cobertura responsabilidad civil familiar, donde todas las personas hacemos más o menos lo mismo, a que uno tenga contratado o no una partida que garantiza mis propios bienes, lo encontré totalmente fuera de lugar.
Dado el caso que contrate una póliza de responsabilidad civil general de mi familia, el asegurador no me va a condicionar a que asegure mis bienes porque ese tipo de seguro sirve para lo que sirve, para cubrir mi responsabilidad civil. Y justamente las “pólizas paquete”, comúnmente llamadas “multirriesgo” son eso, un contrato que aglutina un conjunto de pólizas que antaño se hacían por separado, como serían las pólizas de incendio, de robo, de responsabilidad civil, etcétera, y las decidieron agruparon en una sola para que fuera más sencillo y simplificado para la gente. Pero parece que como estamos en la época del postureo, los seguros cubren cada vez más cosas cuando realmente vamos para atrás, donde cada vez lo complican más y limitan más los derechos del asegurado cubriendo mucho menos.
El resumen es que, como el toldo era mío, todos los afectados por el siniestro me reclamaban los daños y perjuicios. Debía pagar de mi bolsillo a las víctimas, al coche, la comunidad por arrancar un trozo de fachada y el vecino que tiene el bar por destrozarle las mesas de la terraza. El seguro de la comunidad también declinaba el asunto ya que el toldo no era un elemento de origen de la comunidad cuando se construyó y por tanto tampoco cubría nada. En definitiva: que debía ser yo quien pagase todo el siniestro habiendo pagado dos seguros. ¡Bochornoso!
Ante el lío tremebundo y la desesperación contraté a ClaimCenter para que se ocuparan del caso. Y sin saber muy bien cómo lo hicieron, ya que me lo contaron pero fue un poco complicado, al final y después de ir a juicio consiguieron que fueran los dos seguros los que acabaran repartiéndose el pago de las indemnizaciones a los afectados, y para sorpresa mía, hasta la comunidad acabó pagándome el toldo. Fue una suerte y un auténtico alivio encontrarlos. Pero, ¿cómo debe hacerse para cubrir la responsabilidad civil familiar?
La responsabilidad civil
El significado de la responsabilidad civil emana de las obligaciones que nacen de culpa o negligencia de las personas, y vienen recogidas en los artículos 1902 al 1910 del Código Civil.
Básicamente viene a significar que, aquel que causa un daño a otro sin intencionalidad de hacerlo, aunque sea debido a una actuación negligente, estará obligado a reparar ese daño. Y dicho principio no queda limitado a los daños que hagamos como individuos dentro de nuestra vida cotidiana o profesional, sino que además se extiende a aquellos daños que se deriven de nuestros bienes (ruina de viviendas, árboles caídos, vehículos que atropellan,…), animales que poseamos (perros que muerden o caballos que propinan coces), miembros de nuestra unidad familiar (hijos que atropellan transeúntes, abuelos que les caen macetas del balcón,…) o incluso empleados que tengamos en nuestras empresas.
Por tanto, cuando hacemos daño a alguien “sin querer” o sin ninguna intencionalidad de hacerlo, estamos obligados a reparar el daño porque es culpa nuestra.
La diferencia con la responsabilidad penal
Pero a diferencia de la responsabilidad civil, la responsabilidad penal, que viene recogida en el Código Penal, regula aquellos daños o responsabilidades que las personas hacemos cuando hay intencionalidad, dolo y mala fe.
Si resulta que de un codazo le rompemos la nariz a alguien “sin querer”, deberemos pagarle la nariz (operaciones quirúrgicas, medicamentos,…) más los días de baja y un largo etcétera hasta la total recuperación de la víctima por ser los responsables de ese daño. Esta acción, el codazo, quedará limitada a reparar el daño descrito por tratarse de una responsabilidad civil. Pero si resulta que ese mismo codazo lo hacemos de manera intencionada y con mala fe porque nos hemos enfadado con la víctima, además de todo lo anterior nos sancionarán con multas económicas o incluso con privación de libertad, yendo a la cárcel, ya que la mala fe y la intencionalidad hacen que el asunto trate de una responsabilidad penal. Por tanto, en ambos casos el resultado sería el mismo, una nariz rota, pero la diferencia entre la responsabilidad civil y la penal es la intencionalidad y la mala fe.
¿Qué cubren las aseguradoras en la responsabilidad civil?
¿Qué situaciones deberían garantizar?
Por regla general, las pólizas de responsabilidad civil deberían cubrir o pagar, hasta el límite de dinero que tengamos contratado, todos aquellos daños que causemos a personas que no seamos nosotros. Por tanto quedarían cubiertos, a modo enunciativo y no limitativo ya que existen infinidad de casos y alargaríamos este post como la Wikipedia entera, las siguientes situaciones:
Si invito a alguien a casa y lo intoxico con una mayonesa en mal estado. Si cae una maceta sobre un coche que no sea el mío. Si atropello a alguien con la moto. Si mi perro muerde a alguien. Si un árbol de mi jardín cae sobre la vivienda del vecino. Si tengo un escape de agua y afecta al vecino de abajo. Si siendo arquitecto me equivoco y cae el edificio por estar mal diseñado. Y así un larguísimo etcétera de escenarios distintos.
¿Qué situaciones garantizan? La segmentación de la responsabilidad
Como los daños y perjuicios que podamos ocasionar a otras personas derivados de nuestros actos u otras situaciones de las que seamos civilmente responsables es amplísimo, las aseguradoras, y la misma Ley, los segmentan y delimitan en dos grandes grupos. Las responsabilidades civiles que por Ley es obligatorio tener un seguro específico para ese tipo de actividad y las que no es obligatorio tenerlo.
Es por todos conocido que la caza o los vehículos a motor, por Ley, deben tener un seguro obligatorio a parte que cubra la responsabilidad civil. No sirve uno de responsabilidad civil general que lo cubra todo. Así, las aseguradoras “fabrican” seguros que sólo cubren la responsabilidad civil de cuando conduces un vehículo, otro para tu vida familiar, otro para cuando desarrollamos la actividad de médico, ingeniero, albañil…, otro para cuando una empresa fabrica petardos y así un sinfín de pólizas que van cubriendo “pequeñas parcelas” del gran mundo que significa la responsabilidad civil. Y esto lo hacen a base de cláusulas delimitativas y cláusulas que limitan los derechos del asegurado.
Por tanto hay que estar muy alerta con esas cláusulas de las que ya hablamos y saber qué cubre el seguro, ya que una cosa es que nosotros seamos civilmente responsables de algo y otra muy distinta es que la aseguradora sufrague ese tipo de responsabilidad.
¿Qué están obligadas a pagar?
Ante estas situaciones, el seguro o garantía de responsabilidad civil debe pagarlo todo. Y cuando decimos todo es todo. Por tanto deben pagar:
- Los daños materiales directos sobre vehículos o cosas, o sea, el coche abollado por el toldo.
- Los daños materiales indirectos y pérdidas sobre vehículos o cosas, o sea, aunque el toldo no haya caído sobre la gente ni el bar, los destrozos que el coche hizo cuando se empotró contra el bar por la falta de visibilidad.
- Las lesiones de los perjudicados directos e indirectos, o sea, todos los conceptos y gastos que detallamos en otro tema sobre las lesiones.
- Las interrupciones de actividad, o sea, toda minoración de ingresos monetarios que haya causado a los perjudicados, sean personas físicas o jurídicas, por razón de ese siniestro. En nuestro caso, la pérdida de ingresos sufrida por el bar por los días que deberá permanecer cerrado, más las pérdidas de ingresos de cada persona lesionada por no poder trabajar al estar de baja o que vean reducido su salario por esa razón.
- Las inhabitabilidades, o sea, tener que alquilar viviendas o locales alternativas mientras duran las obres o Trabajos de reparación del bien siniestrado.
- Los perjuicios como podrían ser el que mis clientes se busquen otras alternativas y se queden con ellas por el motivo de no haberles podido servir cuando tocaba.
- Otros gastos reclamables como pueden ser el alquilar un vehículo de substitución por tener el mío arreglándose, servicios de taxi o servicios de seguridad para que vigilen el local del perjudicado mientras duran las reformas.
- Gastos de gestión del siniestro, entendiendo por ello que el afectado no tiene por qué ocuparse de realizar la gestión del siniestro y contrata a ClaimCenter para que se ocupe de ello.
Y, con el perjudicado ¿qué pasa?
Para cualquier seguro de responsabilidad civil sea profesional, del hogar, de actividad, de SOA o del tipo que sea, el artículo 76 de la Ley 50/80 de Contrato de Seguro dice tres cosas muy importantes:
- La primera es que, en todos los casos, el perjudicado tiene acción directa contra el asegurador, que significa que puede reclamar directamente al seguro de responsabilidad civil sin que ésta pueda oponerse. Todo ello si la responsabilidad de su asegurado respecto al accidente esté acreditada, claro está.
- La acción o reclamación directa es inmune a las excepciones que puedan corresponder al asegurador contra el asegurado. Esto quiere decir que, de existir alguna cláusula limitativa de derechos del asegurado que excluya ese hecho, el seguro jamás la puede utilizar contra el perjudicado para no pagarle el siniestro. Por tanto el seguro deberá pagar siempre al perjudicado y reclamar a su propio cliente una vez liquidado el siniestro.
- El asegurado tiene la obligación de facilitar siempre al perjudicado los datos del seguro para que éste pueda reclamarle todos los conceptos por razón de los daños, perjuicios y pérdidas causados por el siniestro.
La colaboración del asegurado
En un asunto de responsabilidad civil, la colaboración del asegurado es muy importante para que el perjudicado pueda cobrar la indemnización que le toca. Debemos ser personas honestas, transparentes y solidarias, y si hemos hecho daño a alguien debemos reconocerlo, y de existir un seguro que cubra eso, facilitar sus datos al perjudicado para que ese afectado pueda resarcirse del daño y los perjuicios causados. No podemos actuar con deslealtad y menos cuando no querríamos que, en caso que nosotros nos encontrásemos en la situación del damnificado, se desentendiera del asunto y negara la verdad en contra de nuestros intereses.
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Buenos días, mi madre tuvo un accidente en mi casa y se le cayeron dos dientes, tengo responsabilidad civil a familiares y el seguro dice que no se hace cargo, que solo a terceros.
Podrían ayudarme. Gracias
Hola, el otro dia mi hijo de 12 años jugando en la calle lo atropello un coche y como consecuencia del atropello el vehículo sufrió la rotura de un espejo y el conductor me lo reclama. ¿Tengo que pagarlo? ¿Lo cubre el seguro de vivienda?
Gracias
estando de visita en mi vivienda, la madre de mi pareja (no estamos casados pero vivimos juntos) desatornilló el desagüe de la ducha para limpiarla a fondo y esto a provocado filtraciones. ¿puede denegarme la cobertura mi seguro? ¿puede el seguro del hogar de la madre de mi pareja cubrir por responsabilidad civil?
Tuve una avería en el desagüe de mi vivienda y el seguro envío a un fontanero para reparar la tubería, con la mala fortuna que a este se le cayó un cortafrío en la entrada de mi cocina y se produjo agujero en el suelo (del cual ya no se fabrica) tengo toda la casa el mismo, el fontanero dice que solo cambia el pasillo. ¿Quien cubriría el daño? Muchas gracias
Loreto, en este caso debe atender la Responsabilidad Civil del profesional que comete el daño accidental. La Responsabilidad civil es una cobertura que ampara el daño directo causado (y perjuicios) por lo que suele rechazar la posible cobertura de estéticos ( no obstante y en caso de garantizarlo, la estética está sujeta solo a la estancia donde se produce el daño). Para que por su RC deba acometer la estética en toda la estancia afectada o planta entera, se suele tener que recurrir a juicio y que el juez defina la coletilla de «perjuicios». Pero es un tema muy complicado de predecir…
Tengo un acumulador en la tejado y se dio la vuelta y rompío una claraboya, me imagino que por el viento, el seguro , dice que como no supero el viento los 80 kilometros hora , no lo cubre, puedo reclamar la claraboya , ya que en las condiciones generales pone que cubren las claraboyas(en mi caso es de metacritato) y en la garantía de rotura pone que cubre lo daños materiales directos como cristales y espejos, o placas de metacrilato u otros materiales sustitutivos del cristal, así como la reparación, puedo reclamar por lo menos la claraboya?
Buenas tardes. Si un abuelo que está en su casa tira y rompe un pc de un nieto que no vive en la misma casa ¿ el seguro del abuelo corre con los gastos?
En teoría sí aunque debería consultarse el contrato de seguro para ver las limitaciones.
Buenos días, si un niño de 10 años raya un coche con un guijarro (raya pequeña) por una ocurrencia infantil , no con el ánimo de causar daño, y sin conciencia de lo que supone, cubre el seguro de responsabilizad familiar del hogar el daño producido?
Un saludo y gracias.
Sí. Si un niño de 10 años, menor de edad, raya un vehículo, el seguro de RC del hogar cubre ese daño.
Buenas tardes,
Tres consultas:
1.- Si voy por la calle y sin querer me choco contra una persona y a ésta se le cae el móvil, dañándose, mi seguro de Hogar debería indemnizar?
2.- Puede el seguro negarse a indemnizar al perjudicado porque en el presupuesto de reparación del Servicio Técnico no se detalla con plena exactitud todo lo que se debe reparar y se limita a identificar el bien dañado y el importe de la reparación?
3.- Puede el seguro negarse a indemnizar los daños presupuestados y producidos en un móvil de un tercero si éste no lo repara primero y aporta la factura de reparación? En este caso, el seguro manifiesta que la indemnización es para reparar el móvil, no para otra cosa y que no pagaran hasta que se aporte la factura de reparación, una vez realizada.
saludos
1. Depende de quien tenga la culpa del choque deberá pagar el seguro de daños propios del móvil o el que cubre la responsabilidad civil del contrario.
2. El usuario debe informar del alcance de los daños al asegurador. Si se informa con pruebas y evidencias objetivas el asegurador no puede negarse.
3. El contrario responsable, o su seguro de responsabilidad civil, debe indemnizar el daño independientemente de que usted repare.
Buenos días , si se derrama agua por ropa mojada y tendida en mi tendal en la caldera del vecino de abajo y se estropea , mi seguro de r. Civil tiene que hacerse cargo?
Sí, si la única causa de los daños es esa.
Hola, vivo en Barcelona y tengo un terreno en León el cual dispone de unas cuadras de animales que actualmente y desde hace tiempo esta en desuso, y quisiera contratar un seguro, sobretodo por la responsabilidad civil. El tipo de seguro correcto, sería de vivienda (aunque no exista vivienda) o de trastero/almacén (aunque no exista actividad ninguna como tal)?
La responsabilidad civil que tengo contratada en el piso de barcelona como inquilina, también me cubriría este terreno?
Muchas gracias por su respuesta
Debería pasarnos el contrato de seguro íntegro y luego podríamos decirle si ese riesgo que nos está describiendo está amparado por el contrato.
Hola. En noche vieja estuvimos a casa de los amigos. Yo me tire una petarda pequeña y con el viento ella se a ido a la piscina y se explotó ahí, a echo un agujero en azulejos. Tengo responsabilidad civil privada y familiar, cabeza de familia, personal doméstico, inmobiliaria y extracontractual. Me cubreria el seguro el daño que echo a esta piscina?
Sí. Si usted tiró un petardo y éste causó algún daño, usted es el responsable del daño causado por el petardo lanzado. Su aseguradora del hogar, que habitualmente cubre su responsabilidad civil, será la que se haga cargo de indemnizar los daños al perjudicado.
MIS Hijos están estudiando en Salamanca pero dependen de nosotros, han tenido una avería en las tuberías han causado daños al vecino de abajo. Quien se debe hacer cargo de los daños. Y si fueran mis hijos les cubriría la responsabilidad civil de mi seguro de hogar
En principio sí a no ser que exista alguna cláusula en su contrato de seguro del hogar que limite sus derechos como asegurado. Debería estudiarse su caso con el contrato de seguro íntegro.
El otro día fui a visitar a mis padres, y jugando con su cachorra (6 meses y asegurada en el seguro de la casa) me mordió y tuve q ir a urgencias, ahora la seguridad social me reclama los gastos, los cubriría el seguro de la perra? La duda me surge al ser la perra de mis padres…
Muchas gracias por adelantado.
La garantía de responsabilidad civil del seguro del hogar de sus padres, o sus padres, deben pagarle todos los gastos derivados de la asistencia sanitaria e incluso las secuelas (cicatrices, etcétera) derivados de la mordedura del perro. Para sufragar los gastos de reclamación por contratar una empresa como nosotros para gestionarle el caso, puede aportarnos su seguro del hogar para imputar el coste a la garantía de Defensa Jurídica y Reclamación de Daños. Contacte con nosotros mediante el servicio de asesoramiento.
Buenos días,
La pasada semana una racha de viento arranco la barra de mi toldo, que cayo al vacio dañando los toldos de los vecinos. Mi seguro se niega a cubrir los daños ocasionados porque mi poliza contempla…en cuanto a resp civil daños por continente…que solo estaran cubiertos los daños a terceros causados por siniestros cubiertos en la poliza, y consideran que el mio no esta cubierto porque el viento no alcanzó la velocidad suficiente.
He solicitado que me conesten por escrito. ¿Cómo puedo reclamar?
Deberíamos estudiar su contrato de seguro con detenimiento y las circunstancias de suscripción para poder responderle.
Los contratos de seguro del hogar son «pólizas paquete», que significa que tienen un conjunto de garantías independientes unas de otras, o sea, son conjuntos de coberturas tan dipares y distintas como el incendio, robo, daños por agua, responsabilidad civil, etcétera que no tienen nada que ver unas con otras.
En su caso hay dos temas:
a) Por un lado están los daños causados por el viento sobre su toldo que debería cobrar usted en caso de que el accidente estuviera amparado por la garantía de «viento» o «fenómenos meteorológicos». Eso quedaría cubierto a falta de estudio de su contrato y las circunstancias de suscripción.
b) Por otro lado están los daños que un objeto suyo ha causado a un tercero, que en su caso es el mismo toldo roto. Pero los daños causados a terceros también podrían ser provocados por una maceta que hubiera caído desde su terraza a un vecino o un juguete que su hijo hubiera lanzado por la ventana y hubiera impactado con un vehículo estacionado en la calle. Los daños ocasionados a terceros por este segundo escenario quedarían cubiertos por la garantía de «responsabilidad civil».
Pero así como hay aseguradoras de las buenas que unen garantías y entre ellas son totalmente independientes, hay otras aseguradoras malas que crean dependencias entre coberturas a modo de limitar aun más las coberturas en general. Se trata de coberturas tramposas, que parece que cubren mucho pero que una vez sucedido el siniestro resulta que no cubren nada.
Por tanto necesitaríamos estudiar qué dice su contrato, las circunstancias y consecuencias del accidente para saber de qué debe hacerse cargo su seguro.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusieras una reseña en google. Gracias
Tengo un seguro de hogar en mi vivienda principal, y también tengo una segunda casa en otra comunidad, que vamos ocasionalmente dos semanas al año en la que no tengo ningún tipo de seguro. ¿En caso de tener algún incidente a terceros, la Responsabilidad Civil contratada con mi vivienda principal, cubriría los posibles daños a terceros de esta segunda vivienda no asegurada.?, o ¿tendría que contratar otro seguro que incluyera Responsabilidad Civil en esta segunada vivienda ocasional?.
También desearía saber, ¿existe algún tipo de seguro exclusivamente de Responsabilidad Civil familiar, que cubra cualquier tipo de daños a terceros, incluidos los que se puedan originar en todas las viviendas que se posean?
Muchas gracias por su respuesta.
En principio sí debería cubrir su RC de la vivienda secundaria, pero hay seguros que limitan esa cobertura. La pólizas antiguas del hogar lo contemplaban. En las pólizas modernas lo han restringido mucho.
Antiguamente había seguros de RC familiar. Ahora son menos corrientes y debería consultar con algún corredor de seguros.
Un saludo: Gracias por vuestra labor. Tengo una casa en la que vive una sobrina de mi mujer con su novio. El seguro está a mi nombre. No pagan alquiler, solo las facturas de lo que gastan. El novio se dejó el grifo del baño abierto e inundó toda la casa en menos de dos horas mojando el techo de la de abajo y estropeando una tele. Nos dicen que tengamos cuidado porque al no ser nosotros los que vivimos en la casa el seguro podría no hacerse responsable de lo sucedido ¿es así o por ser familiar directo de mi mujer está todo cubierto? Gracias
Hola, técnicamente la sobrina de su mujer y el marido de ésta ostentan la posesión de su vivienda «en precario».
Tal como usted observa, deben contratar urgentemente un seguro del hogar que cubra como mínimo su responsabilidad civil por si:
1. Se dejan un grifo abierto e inundan su piso y el del vecino inferior
2. Fortuitamente incendian su vivienda y todo el edificio.
3. Cualquier otra causa de daño que pueda afectar a terceros.
Porque lo que ocurriría tras el percance es que las aseguradoras de los afectados, entre ellos el de usted como propietario de la vivienda, les pagarían las indemnizaciones por los daños derivados del incendio, inundación, etcétera y TODOS los seguros, una vez pagados los daños a sus asegurados, reclamarían sin ninguna contemplación a la sobrina de su mujer y el compañero de ésta si se demuestra que son responsables del accidente. Y muy seguramente sería la ruina de ellos.
Cuesta poco contratar un seguro básico que cubra las pertenencias de ellos (los que viven en precario), si las tienen, y tener una garantía de responsabilidad civil familiar de más de 200.000 €.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
Mi hijo tuvo un accidente con un patinete, al cruzar por un paso de peatones un coche ya dentro del paso le arrolló causando desperfectos el patinete en el coche.Mi hijo estuvo dos meses de baja con rotura de metatarso y perdio el trabajo Mi seguro del hogar cubre la responsabilidad civil, acudí a ellos ya que el seguro del coche me reclamaba los gastos y yo como no habia visto el accidente y el seguro tenia la responsabilidad civil y en un principio no pusieron pegas, les di mi numero de poliza a la compañia del coche. Ahora, al cabo de seis meses me dicen que no cubre el siniestro ya que la poliza no garantiza los vehiculos a motor, siendo este el caso al tratarse de un patinete electrico. Creo que un patinete no esta considerado como vehiculo a motor y ademas yo reclamo la responsabilidad civil causada por mi hijo involuntariamente, no los daños al patinete y no estaba obligado a tener un seguro a parte. Que puedo hacer?, no
Hola, debería estudiarse su caso por varias razones:
Que su hijo fuera el culpable del accidente dentro de un paso de peatones es dudoso. Es posible que sea cierto, pebería estudiarse bien la dinámica del accidente. Podría darse el caso que el culpable fuera el vehículo y no su hijo, y quien debiera hacerse cargo de los daños, lesiones, días de baja, daños en el patinete, etcétera fuera el seguro del coche a su hijo no como sucede ahora.
Generalmente un patinete se considera un «juguete» y no entra en la consideración de vehículo a motor para disponer de un seguro obligatorio del autmóvil (SOA), y por tanto, el seguro de Responsabilidad Civil familiar de su seguro del hogar debería hacerse cargo de los daños si, dado el caso, su hijo fuera declarado el culpable del accidente que eso es otro tema que también es dudoso.
Respecto a su seguro del hogar, muy probablemente y pendiente de estudio, le costea la contratación de profesionales como ClaimCenter para defenderle de una reclamación improcedente y/o abusiva del contrario y también le costea, dado el caso que el contrario sea el culpable del accidente, la reclamación de los daños sufridos por su hijo por una garantía denominada «Defensa Jurídica y Reclamación de Daños».
En resumen, debe estudiarse su caso ya que puede encontrase con un caso de claro donde la aseguradora del contrario (la del coche) y la suya (la del hogar) se hayan confabulado para timarle las dos por partida doble.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
El otro dia se desplomo un trozo de la chimenea del vecino sobre mi tejado y rompió mi antena de television asi como el canalon del agua.
Yo no tengo seguro y me gustaría saber como debería reclamarle los daños.
Tu vecino tiene la obligación legal para contigo de dos cosas:
1. Darte todo sus datos junto con los datos de su seguro con todo el contenido de su seguro del hogar (artículo 76 de la LCS)
2. Declarar el accidente a su seguro del hogar para que te atiendan el mismo.
3. Si tu vecino no tiene seguro, pagarte él de su bolsillo los daños sobre tu inmueble (Artículos 1902 y 1907 del Código Civil)
Dado el caso que tu vecino o su seguro no quieran atender sus daños, deberás acudir a una empresa como nosotros para plantear la reclamación amistosa y, dado el caso, judicial.
Sobre todo recaba el máximo de pruebas posibles y testigos para acreditar tus daños y el origen de los mismos.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
Soy habitante empadronada de un hogar («en precario»). Mi primo es el propietario de la casa y me la cede temporalmente sin que medie contrato ni pago. No tiene seguro de hogar y yo quiero contratar el seguro para el continente y el contenido. En caso de que el continente dañe a un tercero, o una inundación provocada por las tuberías del hogar… ¿mi seguro de continente cubre su responsabilidad civil y está protegido? Quiero pagar yo y hacerlo bien, y cubrir todas las circunstancias posibles, y no quiero que en ningún caso él quede demandado y sin recursos en caso de accidente. Es que en una aseguradora me dijeron que tenía que ser él como propietario el que hiciera el seguro (como tomador) para cubrir su responsabilidad, y que la nuestra quedaba cubierta como asegurados al habitar el hogar. También es importante para mí que si el inmueble o el continente sufre daños él como propietario reciba la indemnización, aunque yo sea la tomadora y asegurada. Gracias.
Esto lo debería hacer un mediador pero una solución entre muchas es la siguiente y lo puedes hacer por internet:
1. Contrata un seguro del hogar donde se aseguren los bienes del propietario del inmueble donde tú seas la Tomadora y el propietario del inmueble el Asegurado y Beneficiario. Tú pagarás el seguro (Tomadora) y el propietario será el Asegurado y Beneficiario. Ese seguro debe incluir la garantía de Responsabilidad Civil. Si por internet no dejan diferenciar entre Tomador, Asegurado y Beneficiario pon el mismo nombre del propietario como Tomador, Asegurado y Beneficiario y paga tú el seguro en su nombre.
2. Contrata otro seguro del hogar distinto al aanterior donde se aseguren tus bienes como inquilina y seas la Tomadora, Asegurada y Beneficiaria. Ese seguro también debe incluir la garantía de Responsabilidad Civil.
Para otras fórmulas con un único seguro deberás acudir a un mediador de seguros para incluir en el contrato cláusulas particulares que especifiquen lo que tú quieres hacer. El riesgo es que si NO acudes a una persona muy profesional y seria, es posible que no incluyan o incluyan mal esa cláusula en el contrato y el día que sufras un accidente tendrás un montón de problemas.
Hola que tal
Tengo una duda, justo comentas los siguiente en tu post:
las siguientes situaciones:
Si invito a alguien a casa y lo intoxico con una mayonesa en mal estado. Si cae una maceta sobre un coche que no sea el mío. Si atropello a alguien con la moto.
En mi caso me surgen varias dudas… y si esa mayonesa en mal estado sucede en un fiesta o barbacoa en la montaña, en que invito a unos amigos a la montaña, les hago de comer y da la casualidad que se intoxican y me denuncian, que tipo de seguro de responsabilidad civil me cubre el obligatorio de mi hogar?? u otro distinto.
Gracias
Respecto lo que comentas la moto, al ser un vehículo a motor, debería tener un seguro de responsabilidad civil (SOA) solo para ella. El resto de escenarios los cubre la garantía de Responsabilidad Civil del seguro del hogar aunque suceda en una casa rural a 1.000 Km de tu vivienda habitual asegurada. Eso sí, la responsabilidad civil dentro del espacio económico europeo. Por tanto, tranquilo si intoxicas a alguien sin intencionalidad de hacerlo.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
En mi edificio que consta de tres viviendas no tenemos seguro de comunidad, pero cada viviendas posee su seguro de hogar propio.
El viento, arranco una plancha metalica del tejado del edificio y se encasto en el tejado de una casa vecina ocasionandole bastantes daños.
Cada uno de los integrantes de mi edificio ha dado parte al seguro del siniestro. Mi duda es la siguiente:
Suponemos que la responsabilidad civil nos cubre a cada una de las viviendas de mi edificio, pero el vecino al que le hemos causado los daños como nos debe reclamar, a cada uno de forma proporcional y a través de cada uno de los seguros?
Y la otra es que debemos hacer aparte de dar parte a nuestro seguro?
Aquí hay dos partes:
1. Los daños propios, que deberéis costear de manera conjunta entre todos los vecinos y luego reclamar a vuestras aseguradoras particulares del hogar la parte proporcional que os corresponda según el coeficiente de copropiedad y las condiciones del contrato que cada uno tendréis. Y habrá seguros de mayor calidad que cubran esa contingencia y otros que no lo cubrirán. Cada vecino según su contrato.
2. Los daños a terceros. De manera análoga a los daños propios (repartir según vuestro coeficiente de participación), deberéis repartiros y hacer frente a los daños a terceros por la garantía de Responsabilidad Civil incluida en vuestro seguro del hogar para cada uno de los desperfectos y perjuicios ocasionados a los perjudicados que existan.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
El viento ha tirado la cruz del panteón de mi abuelo. Como justo detrás había otro panteón pues lo ha destrozado. ¿Debemos hacernos cargo de arreglar el otro panteón?.. ¿Los cementerios tienen algún seguro para fenómenos atmosféricos así?. ¿El seguro de hogar cubre esa responsabilidad civil?. Gracias
Sí, en principio la garantía de responsabilidad civil del seguro del hogar del propietario o propietarios del panteón deberían cubrir, según el porcentaje de participación en la propiedad del panteón, los daños causados a terceros, sean a otros panteones, lesiones a personas u otro tipo de daños materiales como podrían ser plantas o mobiliario del cementerio.
Si te ha servido nuestra respuesta, te agradeceríamos que nos pusiéras una reseña en google. Gracias
Buenos días
Estando de visita en casa de unos amigos, mi hija de 12 años de edad estuvo utilizando un portátil de éstos , cerró él citado portátil dejando unos auriculares pequeños, produciendo daños en la pantalla
Lo cubre el seguro de Responsabilidad Civil Familiar?
Rotundamente sí. La garantía de responsabilidad civil de vuestro seguro del hogar debe pagar el ordenador portátil de vuestro amigo.
Soy afectada por un pelotazo y con ello la consecuencia de rotura del telfono que cayó al suelo y del reloj de mano que por auto reflejo pegue con la farola que tenía al lado. Me pide la compañía factura de compra para cubrir el gasto de reparación o sustitución, no tengo factura y se niegan a cubrir por cobertura de la póliza me indica el perito. Seria así? gracias por todo
Rotundamente no. Si usted acredita el daño (teléfono, reloj y/o lesiones) usted debe cobrar esos daños. No hace falta aportar facturas de compra de nada si usted acredita sus daños. Lo más importante es lo que usted está haciendo, que es acreditar los daños con las pruebas de los propios objetos accidentados. Si es como usted dice, esa aseguradora le quiere engañar.
Buenas tardes, mi hijo de 15 años ha pintado en una fachada de una casa, le han denunciado, cubriría la responsabilidad civil mi seguro del hogar?
Siempre deberá pagar los daños o deslucimientos aquél que haya realizado la pintada, y si es menor de edad, su padre o tutor. Si la pintada resulta ser un delito, seguramente el asegurador no indemnizará. En caso contrario, en concepto de indemnización civil, sí se hará cargo.
Mi hijo vive en un piso de mi propiedad. No paga nada de alquiler ni tenemos ningún tipo de contrato. Yo soy la tomadora del seguro de hogar y alguna vez he planteado a la aseguradora si, en caso de siniestro, habría algún problema con el pago de las reparaciones y/o indemnizaciones en mi propia vivienda y a terceros perjudicados. La respuesta siempre ha sido que no hay ningún tipo de problema siendo el vínculo familiar de primer grado. ¿Es correcto?
Técnicamente su hijo tiene la «posesión en precario» de su vivienda, que es algo muy habitual entre padres e hijos donde el hijo ocupa la vivienda de los padres «gratis». También puede estar en «precario» un amigo o un familiar.
Si su hijo está empadronado en la vivienda ocupada, tiene ingresos, realiza la declaración de renta, es mayor de edad e incluso vive con una pareja, podría entenderse que está «independizado» de los padres, y caso de haber un accidente o siniestro la aseguradora (de los padres) alegar que ya no forma parte de su núcleo familiar. Ello provocaría que ustedes como padres serían «terceros» frente a los daños que por responsabilidad civil les causare su hijo. Imagine que su hijo cocinando provoca un incendio a toda la vivienda y el edificio. Su seguro del hogar (el de los padres) les pagaría la indemnización (a los padres) y recobraría al causante (reclamaría las indemnizaciones pagadas al hijo). Además, su seguro (el de los padres) no se haría cargo de los daños de responsabilidad civil del hijo, y todos los afectados reclamarían los daños por incendio a su hijo.
Nuestra recomendación es que su hijo se haga un seguro del hogar básico con un capital mínimo de 300.000 € de Responsabilidad Civil.
Es posible que su seguro se hiciera cargo de todo, pero también es posible que surgieran estos problemas. Por tanto más vale ser precavido.
Limpiando los cristales de una ventana sin querer se me deslizo el bote de limpiacristales que estaba totalmente lleno y cayo encima del toldo del vecino produciendo un agujero. El seguro de mi vivienda dispone de seguro de responsabilidad civil, cubriría los daños en el toldo?
Muchas gracias.
Sí, por supuesto. Usted es responsable civil del daño y su seguro del hogar, si tiene incluida la garantía de responsabilidad civil, debe pagar el daño al perjudicado.
mi hijo tuvo un accidente vial,es menor de edad y circulaba en contramano a gran velocidad, atropello a un traseunte, la pregunta es : ¿Que cobertura ampara el hecho? Esta dentro de la cobertura básica?
Para poder darle una respuesta acorde a su situación, deberíamos disponer de más información. Existe la posibilidad que este hecho esté cubierto por su póliza del hogar, pero, com ya hemos comentado, sin más información no podemos darle una respuesta concreta. Si quiere que le asesoremos de su caso y como puede defender sus derechos sin arruinarse, consulte nuestro servicio de asesoramiento. Saludos.
Gracias por la rapidez y la claridad en su respuesta, pues entiendo que podría reclamarlo.
Me surge una duda al hilo de esto: Evitaría entrar en una reclamación jurídica, entre seguros, si el responsable, en este caso mi amigo, diera un parte a su seguro del siniestro en casa ajena, admitiendo su autoría involuntaria, o necesariamente tendría que ser reclamado a través de mi seguro?
Hay varias maneras de hacerlo. Una es que amigo de parte por escrito a su aseguradora del hogar dando sus datos como perjudicado en el siniestro. Si puede aportar fotografías y un presupuesto o valoración de la televisión es probable que se la paguen. Dado el caso que pongan problemas, búsquese a un perito y abogado externos y pase las facturas de esos profesionales por la garantía de defensa y reclamación jurídica de su seguro.
Durante una visita de unos amigos a mi casa, accidentalmente uno de ellos, al volcar la tele hacia adelante para coger el número de la Wiffi de de casa, que estaba pegado en la trasera, se le fue de las manos y acabó en el suelo. Pantalla destrozada. No le he preguntado si tiene seguro de hogar de responsabilidad civil, pero si lo tuviera, sería éste un accidente a terceros asumible por su seguro, o me compro otra tele?
El caso que nos está planteando es una responsabilidad civil clara de su amigo, y por tanto, le debe pagar su televisión. Si resulta que su amigo tiene un seguro del hogar, que habitualmente también incluyen la garantía de responsabilidad civil, será ese seguro quien le deberá pagar la televisión.
Y si usted tiene problemas a la hora de reclamar seguro de su amigo, o a él mismo, puede usted dar un parte por la garantía de reclamación jurídica de su seguro del hogar, quien le pondrá a peritos y/o abogados para que reclamar al seguro o a su amigo. Pero también puede optar por, haciendo uso de esta misma garantía de reclamación jurídica, buscar abogados y peritos que usted libremente escoja, externos a su aseguradora y que sean de su confianza, para que hagan su reclamación y las facturas de éstos las pase a su propia compañía de seguros para que le sean reembolsadas por esa misma garantía de defensa jurídica y reclamación de daños.
Hola, somos inquilinos en una casa, la dueña de la vivienda le prestó una bicicleta a mi hijo de 15 años y este tuvo un accidente, lo arrollo un coche, ahora el seguro de coche nos pide 4000 euros.La pregunta es puede cubrir los gastos el seguro de casa de la dueña?
Por lo que interpretamos su hijo de 15 años fue «claramente» el culpable de un accidente yendo con una bicicleta prestada. La aseguradora del vehículo presuntamente perjudicado, o sus abogados que actúan por cuenta de la garantía de reclamación jurídica, le están reclamando los daños sobre el vehículo, lesiones de los ocupantes o lo que sea.
Lo primero que debería saber usted es si, según la dinámica del accidente, su hijo fue realmente el culpable del accidente puesto hay situaciones en las que a la gente cree que tiene la culpa del accidente cuando realmente es al contrario. Resulta que es inocente.
Por lo que hace referencia a la pregunta de si la garantía de responsabilidad civil del seguro del hogar de la propiedad de la vivienda cubre la responsabilidad civil del inquilino, normalmente es que NO. Si usted hubiera tenido un seguro básico del hogar que cubra sus enseres de mobiliario, ni que sea para la ropa, normalmente cubre la responsabilidad civil, pero si no es el caso y realmente su hijo menor de edad es el culpable, usted deberá pagar al perjudicado.
En ocasiones hemos visto productos donde el seguro de la vivienda del propietario cubre también la responsabilidad civil del inquilino intentando imitar los seguros de construcción donde cubren la llamada «Responsabilidad Civil Cruzada» que no es otra cosa que cubrir los daños que puedan hacerse entre ellos los subcontratistas de una obra.
Sin tener más información poco más podemos ayudarle. Saludos,
Mi hijo de viaje con el instituto, rompió un espejo. El seguro del alojamiento no se hace responsable, el de viaje tampoco y el de hogar dice que tampoco porque tiene que responder este el del viaje. Podría indicarme si es así.
Si su hijo, estando bajo la tutela del padre o tutor, ha causado algún daño, el padre o tutor será el responsable de los daños que haya causado a terceros (párrafo segundo y tercero del Artículo 1903 del Código Civil Español). En este caso será la garantía de responsabilidad civil de su seguro del hogar quien deberá indemnizar los daños y perjuicios al perjudicado.
Pero si su hijo estaba bajo el control y vigilancia del Centro Escolar (uno o varios de los profesores) será el Centro Escolar el responsable de sus actos (párrafo quinto del artículo 1903 del Código Civil Español). En este segundo caso será el seguro de responsabilidad civil del Centro Escolar quien deberá indemnizar los daños y perjuicios al perjudicado.
En todo caso, tanto el Centro Escolar como el padre o tutor, según sea el caso, deberán manifestar a tercero perjudicado que tienen un seguro de responsabilidad civil y deberán facilitarle todo su contenido (condiciones particulares y generales del seguro) según lo que establece el artículo 76 de la Ley de Contrato de Seguro.
Mi hijo esta desplazado en Barcelona haciendo un Master. Tiene un patinete electrico (Xiaonmi). Le cuebree el seguro de responsabilidad cilvil del hogar si produce daños conduciendo el patinete?
Gracias por su respuesta
Si su hijo es económicamente dependiente de ustedes (aunque pueda ganar algún emolumento para sus gastos) y vive con los padres (empadronado con ustedes), aunque esté desplazado en Barcelona por motivo de estudios, la garantía de Responsabilidad Civil Familiar de su seguro de la vivienda cubre su responsabilidad civil ya que por Ley, el patinete no debe disponer de un Seguro Obligatorio específico.