Cómo funciona una denuncia pública al seguro
La denuncia pública sirve para que alguien que no sea el interesado en el caso, o sea, cualquier persona de «la calle» distinta al tomador, asegurado, perjudicado o beneficiario, ponga en conocimiento de la Administración (Dirección General de Seguros y Fondos de Pensiones -DGSFP-) hechos o situaciones que puedan ser constitutivos de infracciones de normas de supervisión de los seguros privados.
Por tanto los interesados (tomadores, asegurados, perjudicados o beneficiarios) tienen el canal de presentar quejas o reclamaciones donde previamente deberán pasar por el trámite del Servicio de Atención al Cliente, y si cabe, dirigir su queja o reclamación a la DGSFP. Pero para aquellos que no tengan interés, el canal será la Denuncia Pública.
El artículo 211 de la Ley 20/2015 trata la denuncia pública por infracciones cometidas por cualquier aseguradora que opere en España ante la Dirección General de Seguros y Fondos de Pensiones.
Recibida una denuncia, se remitirá al órgano competente para realizar las actuaciones que pudieran proceder. Este órgano podrá acordar el archivo de la denuncia cuando se considere infundada o cuando no se concreten o identifiquen suficientemente los hechos o las personas denunciadas. Se podrán iniciar las actuaciones que procedan si existen indicios suficientes de veracidad en los hechos imputados y éstos son desconocidos para la Administración. En este caso, la denuncia no formará parte del expediente administrativo.
No se considerará al denunciante interesado en las actuaciones administrativas que se inicien como consecuencia de la denuncia ni se le informará del resultado de las mismas. Tampoco estará legitimado para la interposición de recursos o reclamaciones en relación con los resultados de dichas actuaciones.
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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