El peligro y el riesgo en los seguros.
Un cuchillo es un objeto que conlleva peligro. Es un objeto peligroso ya que puedes pincharte o cortarte con él. Ahora bien ¿cuál es el riesgo de cortarte, pincharte o lesionarte con el cuchillo? Dicho de otro modo sería, ¿cuál es la probabilidad de cortarte con el cuchillo?
El peligro conlleva una probabilidad (=riesgo) a que haya un accidente o una desgracia.
Los seguros calculan, ante un peligro determinado, qué probabilidad o riesgo existe que se produzca un siniestro (=accidente) y cual será el impacto o consecuencias económicas del mismo. Y en función de aquello que se asegura (casa, coche, empresa, vida, salud, etcétera), los peligros que conlleva y riesgos a que suceda una desgracia, se determina el precio que debe pagar el asegurado para cubrir las consecuencias del accidente.
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Yo incluiría el concepto “factores de riesgo” que definiría como elementos o circunstancias que a su vez potencian o elevan la probabilidad de que ocurra un siniestro. La edad del conductor del vehículo puede incrementar el riesgo y por tanto la prima
Sí, tiene usted toda la razón. Gracias por su contribución.