¿Puedes grabar tus conversaciones con el seguro?
Hay aseguradoras cuyo objeto es realizar correctamente su actividad. Lamentablemente el objeto de otras aseguradoras es timar a la gente para quedarse con tu dinero. Simplemente hacen trampas y mienten en cosas para enriquecerse.
La estafa
Una aseguradora comete estafa contra ti cuando, con ánimo de beneficiarse económicamente a tu costa dejándote de pagar lo que te corresponde, utiliza el engaño para producirte error induciéndote a actuar a modo que esa conducta, acción o inacción por tu parte te perjudique económicamente en favor de ella (artículo 248 del Código Penal Español).
En España, si el importe de la estafa es mayor de 400 €, el estafador será castigado con pena de prisión. Si la cuantía defraudada es inferior se impondrá una multa.
Las pruebas
Y para acreditar que una aseguradora te ha mentido con ánimo de enriquecerse a tu costa necesitas pruebas. Debes acreditar con evidencias objetivas que aquella aseguradora te engañó. Que lo que te dijo no era cierto. Y puesto en caso de reclamación la aseguradora negará lo que tú oíste perfectamente en la conversación, lo mejor es grabar todo.
Graba siempre con tu smartphone las conversaciones presenciales que tengas con el seguro o su gente. En todos los smartphones Android (Google) o iPhone (iOS-Apple) hay aplicaciones para grabar conversaciones. No bajes la guardia y no seas perezoso. Te arrepentirás no haber grabado esa conversación. En caso de disputa, será tu palabra contra la del seguro y no tendrás pruebas. Piensa que casi todas las aseguradoras utilizan esta técnica con los usuarios en su beneficio. No seas iluso y hazlo también tú.
La cuestión es que esa grabación de la conversación, si te han engañado, la podrás utilizar como prueba para demostrar que esa aseguradora intentó engañarte para quedarse con tu dinero. Y eso es una estafa. Ahora bien, si lo que te dicen es cierto no habrá ninguna estafa.
Por tanto te aconsejamos que grabes a los tramitadores de las aseguradoras, a los mediadores, a los peritos, a los talleres, a los operarios de las asistencias de las aseguradoras, a los médicos, y a todo el mundo. Si la gente ha actuado con diligencia y profesionalidad no debe tener ningún problema en que le hayas grabado. No podrás hacer nada contra él, ya que ha obrado correctamente. Ahora bien, quien te han engañado para que percibas menos dinero tendrán problemas si lo denuncias. Está en tus manos tomar medidas.
¿Cuándo es legal utilizar una grabación y cuándo no?
Cualquier diálogo donde estés presente, o seas tú uno de los miembros del grupo de conversación como es el caso de una charla entre tú y el empleado del seguro que te está informando, puedes grabarlo y utilizarlo para lo que tú quieras. Es totalmente legal grabar tus conversaciones con quien sea. Por tanto esa conversación la puedes utilizar siempre como prueba de que te engañaron para dejar de pagarte el dinero que te correspondía. En definitiva, tener una prueba de la estafa o su intento.
Y no hace falta tener el consentimiento de nadie, ni informar a nadie que vas a grabar o estás grabando la conversación. La puedes grabar en secreto perfectamente sin que nadie se entere de que la grabaste y la podrás utilizar siempre.
Lo que es ilegal, y por tanto un delito, es que alguien distinto a los miembros del coloquio grabe la conversación. O sea, si alguien distinto a los miembros que formaban el grupo de la conversación graba y/o utiliza esa grabación para algo sin el expreso consentimiento de sus miembros, está incurriendo en un delito. Tú no puedes utilizar una grabación de otros en la que no estuvieras presente. Es lo único que debes tener claro.
Por tanto ya sabes que puedes utilizar con toda tranquilidad las grabaciones en las que tú formabas parte activa para lo que quieras. Y por tanto, si alguien del seguro te mintió para inducirte a error en perjuicio tuyo, lo puedes denunciar ante la autoridad competente para que tomen las medidas penales que sean oportunas.
La desinformación de los empleados de las aseguradoras malas
Y resulta que los empleados de las aseguradoras malas que engañan a los usuarios para beneficiar a la aseguradora para la que trabajan son cómplices de la estafa aunque no lo sepan. La ignorancia no les exime del cumplimiento de la ley. Deberían saber que si informan mal para que su empresa obtenga beneficios ilegítimos, eso es una estafa.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
Lo siento, no lo sabía, me equivoqué
Y después, para salvarse, pedirán perdón y dirán que no lo sabían. Que se equivocaron. Que ellos creían que eso era así. Que no era su intención. Que lo tenían mal entendido. Soltarán cualquier excusa que no será cierta.
Final
Debemos actuar para que el mercado se llene de aseguradoras buenas, competentes y transparentes. Está en tus manos recabar pruebas para poder denunciar conductas dolosas y mejorar este mundo sacando de circulación a los tramposos.
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I have noticed that over the course of making a relationship with real estate homeowners, you’ll be able to get them to understand that, in each and every real estate transaction, a commission rate is paid. Ultimately, FSBO sellers really don’t «save» the percentage. Rather, they try to win the commission by simply doing an agent’s task. In accomplishing this, they invest their money and also time to carry out, as best they’re able to, the assignments of an realtor. Those assignments include revealing the home via marketing, showing the home to buyers, constructing a sense of buyer desperation in order to trigger an offer, booking home inspections, controlling qualification check ups with the mortgage lender, supervising repairs, and facilitating the closing.
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