Seguro de empresa

Qué hacer ante el seguro cuando tu empresa tiene un siniestro importante

Si en tu empresa tienes un incidente por incendio, inundación, robo o algun fenómeno meteorológico como el viento, la nieve o la lluvia ha afectado vuestros bienes y vuestra facturación, y debéis cobrar una indemnización del seguro de empresa, lo más importante de todo será el momento de plantear el siniestro a la aseguradora.

La gestión del siniestro con el seguro de empresa

Habitualmente, cuando tenemos un siniestro, se lo comunicamos directamente al seguro o al mediador, esperando que estos velen por mis intereses. ¿Te los crees o quieres esperar al final del tema para darte cuenta de la verdad? El mediador o el broker saben de vender productos pero no tanto de tramitar siniestros o accidentes. Lo que hace tu agente o corredor de seguros con tu siniestro es trasladar la notificación a la aseguradora para que ésta se ocupe de todo enviando a los profesionales para que valoren las causas del accidente, la tasación económica de los daños y estudien las cláusulas contractuales para determinar si debes percibir la indemnización. Y ¿por qué le interesa a la aseguradora gestionarlo? Porque es quien deberá pagar la indemnización, y por tanto, le interesa tener el control absoluto del asunto desde el principio. Si no tienes la suerte de estar en una aseguradora de las buenas, mirarán de tomarte el pelo y quitarte lo que es tuyo, ahorrándose tener que pagar cuantiosas indemnizaciones alegando falta de cobertura, exclusiones o infravalorando los daños sucedidos o cualquier otro pretexto.

RECLAMAR INDEMNIZACIÓN

Cómo hacer una buena reclamación al seguro de empresa

Debes tener en cuenta que en España la justicia que es cara, lenta y complicada. Por esto es muy importante que en el momento de hacer la declaración del siniestro al seguro de empresa la plantees de forma clara, concreta y sin fisuras. Preparar perfectamente tu declaración del siniestro puede marcar la diferencia entre cobrarlo todo a no cobrar o tener muchísimos problemas. Por eso y ante un siniestro te recomendamos lo siguiente:

  1. Fase de estudio: Aunque estés angustiado no corras ni tengas prisa. Las prisas son malas consejeras y por mucho correr no vas a cobrar antes. No llames al mediador ni a nadie que pueda meter la pata. Antes de avisar al seguro de empresa mira muy bien qué ha pasado y sobretodo estúdiate a fondo el contrato de seguro, que realmente es el documento que te dará derecho a cobrar. Según cómo plantees el acaecimiento del siniestro quedará o no cubierto. Debes tener en cuenta los matices de la garantía afectada, las coberturas y exclusiones; y que éstos concuerden con las cláusulas contractuales. Un solo matiz puede resultar que la aseguradora no cubra un siniestro de gran envergadura. Analiza bien el tema. Cálmate y no tengas prisa. Si no sabes cómo hacerlo busca ayuda experta.
  2. Fase de planificación: Una vez tengas clarísimo qué ha sucedido y qué es lo que queda cubierto y no, viene la fase de planificación de la reclamación. Ni se te ocurra declarar un accidente telefónica o verbalmente. Debe hacerse siempre por escrito midiendo mucho las palabras. Piensa que los contratos de seguro de empresa están redactados de manera milimétrica. Tú deberás hacer lo mismo. Deberás redactar un escrito exponiendo qué ha pasado y cuál ha sido la causa más probable o inequívoca del accidente, a modo que concuerde con el asunto teniendo en cuenta lo que recoge el contrato. De este modo tu versión escrita engranará a la perfección con las condiciones contractuales y minimizarás los posibles interpretaciones y malos entendidos. Hazlo todo por escrito y pensado con la cabeza fría.
  3. Recogida de pruebas: Debes recoger pruebas y evidencias objetivas que acrediten y justifiquen tu versión. Deberás recabar documentos, hacer fotografías y grabaciones. Habrá documentación que sí es necesaria y otra no. Solo deberás entregar aquella documentación estrictamente necesaria. El resto no es necesario.
  4. La tramitación: Respecto a la gestión y tramitación, te recomendamos que asignes a una única persona para acompañar a los técnicos de las aseguradoras. Esa persona será el único interlocutor con el seguro de empresa. En tu organización debes prohibir cualquier interactuación entre los técnicos de las aseguradoras y otros miembros de tu empresa. En muchas ocasiones las distintas conversaciones sacadas de contexto pueden perjudicarte.

Y siempre ten en cuenta que en ClaimCenter te podemos ayudar tanto a asesorarte cómo plantear la reclamación como hacerla nosotros por ti y encargarnos de todo.

RECLAMAR INDEMNIZACIÓN

 

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