Qué es una reclamación ante el seguro
Una reclamación es un trámite que sirve para que el seguro te restituya un derecho o interés que te pertenece y no quiere darte. La reclamación tiene como objetivo final que la aseguradora te pague lo que te pertenece, te dé cobertura a algo, te vuelva a asegurar un seguro cancelado indebidamente o cualquier otra circunstancia que implique restituir ese derecho que es tuyo tanto si eres asegurado, perjudicado o beneficiario en el percance.
¿Cuándo reclamarás?
Reclamarás aquello que te pertenece. Serán hechos concretos referidos a acciones u omisiones de la aseguradora que supongan un perjuicio hacia ti derivado de incumplimientos contractuales o de la legalidad por parte de la entidad, de la normativa de transparencia y protección del usuario o de las buenas prácticas y usos financieros.
La reclamación está pensada para restituirte el derecho o interés, y si lo crees pertinente y ante la negativa o falta de contestación por parte de la aseguradora, podrás reenviar la queja a la Dirección General de Seguros y Fondos de Pensiones (DGSFP) de eso reclamas.
A diferencia de la “queja” donde sólo obtendrás una disculpa o un caramelo si el seguro hizo algo mal, con la reclamación buscas que te den algo.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
¿Cómo plantear una reclamación?
La orden ECO/734/2004 te expone cómo plantear una Reclamación ante el Servicio de Atención al Cliente de la Aseguradora la cual debe tener un correo electrónico habilitado para tal fin, así como un responsable para dirigírsela. Deben contestarte antes de 1 mes (la orden pone 2 meses pero la Ley General para la Defensa de los Consumidores y Usuarios establece 1 mes), donde si la reclamación no se resuelve correctamente podrás redirigirla ante la DGSFP.
La orden ECC/2502/2012 te dice cómo presentar la Reclamación ante la DGSFP. En teoría la DGSFP debe contestarte antes de 4 meses, pero tardarás unos 3 años porque hay un colapso monumental.
Si en la denuncia queda acreditado que la aseguradora cometió una infracción, la DGSFP impondrá la sanción que le Ley establezca.
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