¿El seguro debe pagar las indemnizaciones con o sin IVA?
Se debería indemnizar siempre con IVA.
El Impuesto sobre el Valor Añadido (IVA) es un impuesto indirecto cuya aplicación en España viene recogida en la Ley 37/1992. Se aplica sobre el consumo y grava las operaciones de compra-venta de bienes (zapatos, pan, viviendas, vehículos,…) y servicios (honorarios de abogados, ingenieros, albañiles, fontaneros, …); y el tipo a aplicar (21%, 10%, 4% o 0%) viene regulado en la citada Ley.
Por tanto el IVA es una parte del coste de un bien o servicio. El IVA va incorporado en el coste de las cosas, y por tanto, debe tenerse en cuenta a la hora de valorar el bien dañado. El IVA lo deberás pagar siempre. Si el profesional o empresario no lo incluyera en sus facturas y/o tú no lo pagases estaríais cometiendo una irregularidad considerada un fraude fiscal. Por tanto nadie puede obviar el IVA jamás.
Pero la cuestión está: ¿La aseguradora puede indemnizarte un bien o servicio dañado sin pagarte la parte de IVA, condicionando su pago a que hayas reparado y comprobar que existe la correspondiente factura? La respuesta es NO Indemnizar sin contemplar el IVA es una irregularidad ya que es una parte del coste de un bien o servicio.
El artículo 26 de la Ley de Contrato de Seguro reza que para la determinación del daño se atenderá al valor del interés asegurado en el momento inmediatamente anterior a la realización del siniestro. Por tanto, todas las cosas que por Ley vayan gravadas con IVA, el asegurador las deberá valorar e indemnizar con IVA independientemente que exista o no factura. El IVA es una parte del precio o coste de los bienes y servicios. Por tanto si un bien o servicio viene gravado con el IVA, haya o no factura, el asegurador los deberá valorar con IVA e indemnizarlo con IVA. Ninguna Ley ni norma dice que si el usuario no aporta facturas, el IVA no deberá pagarse. ¡No lo dice en ningún sitio! No hay ninguna Ley que diga que si no reparas o no aportas factura, la aseguradora está exenta de pagar el IVA. Al contrario, la Ley dice que se indemnizará antes de 40 días el daño tasándolo a precio de mercado en el momento inmediatamente anterior a la ocurrencia del accidente. Y obviamente todo bien o servicio que incorpora IVA, debe pagarse con IVA, exista o no factura.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
Lo que sucede es que hay algunas aseguradoras que con la excusa del IVA se enriquecen a costa del usuario. Son las beneficiarias del fraude que cometen las personas «inducidas» a transaccionar en la economía sumergida. Se quedan esa parte del coste que pertenece al usuario con la excusa de que no hay factura. Obviamente cuando el usuario presenta la factura, le pagan el IVA. Todo esto es fruto de la cultura española de alimentar la economía sumergida, y ya va siendo hora que las personas hagamos las cosas bien, sobre todo las aseguradoras que es normalizar el pago de indemnizaciones con IVA y las personas buscar a los industriales y proveedores pagando con IVA.
Simplemente es un tema de educación en hacer las cosas bien hechas, asimilable al tema de la selección de residuos. Hay personas comprometidas con el medio ambiente que miramos de comprar bienes y/o servicios que contengan poco residuo o mermas. Sería el tema de hacer boicot a bienes envasados en plástico, utilizar medios de transporte poco contaminantes o desechar los residuos en los distintos tipos de contenedores según sea desecho orgánico, plástico, vidrio, papel, etcétera. Pues con lo del IVA pasa lo mismo, es un tema educacional.
¿Y qué sucede con las empresas que pueden deducirse el IVA?
Aquí hay varia visiones. Hay quienes piensan que, puesto las indemnizaciones por daños no están sujetas a tributación, éstas no deben computarse como gasto o inversión de empresa y por tanto, puesto se trata de una reposición monetaria, la empresa no puede deducirse el IVA ni nada del gasto. Resultado de ello significa que el asegurador también debe pagar el IVA en los casos de empresas. De hecho hay muchos bienes o servicios que, aunque estén a nombre de empresa no son fiscalmente deducibles para esa actividad concreta todo, y por tanto, el IVA no puede deducirse. Para esto último pondremos un ejemplo. Imaginemos una sociedad dedicada a Software que compra un vehículo turismo. Ese vehículo no es una inversión fiscalmente deducible afecta a la actividad de Software, y por tanto, el IVA de la compra de ese vehículo o las facturas de reparación y mantenimiento jamás podrán deducirse fiscalmente. Por tanto la aseguradora, en caso de indemnización por el vehículo, deberá liquidar la indemnización con IVA siempre.
La segunda visión, que por interés es la más extendida entre las aseguradoras, es que todas las inversiones o gastos que van a nombre de empresa son fiscalmente deducibles. No analizan si esas compras son fiscalmente deducibles. La aseguradora simplemente piensa que si paga el IVA significaría un enriquecimiento injusto por parte del asegurado y es totalmente falso. Si esa empresa se deduce el IVA de eso que no puede deducirse fiscalmente, recibirá una sanción. Luego ¿la aseguradora se haría cargo de esa sanción fiscal por inducir a su asegurado a deducirse algo no deducible?
Por tanto, como los aseguradores piensan que todas las empresas se deducirán el IVA de todo, no lo pagan cuando es un error. Lo que no puede ser es que el asegurador sea el beneficiario del las infracciones fiscales que cometan los usuarios.
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با معلم خصوصی در تهران، فرزندانتان را به سوی دروازههای موفقیت هدایت کنید!
شهر تهران پایتخت ایران،
به عنوان مرکز علمی و آموزشی کشور
معروف است و
بهترین مدارس و دانشگاههای ایران در این شهر واقع شدهاند.
با این وجود، رقابت شدید در مدارس و دانشگاههای تهران
میتواند
برای بسیاری از دانشآموزان و دانشجویان
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یافتن معلم خصوصی مناسب در تهران
میتواند راه حلی
مناسب برای
این چالش باشد و به
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مسیر
موفقیت تحصیلی
قرار بگیرند.
مزایای داشتن معلم خصوصی در تهران:
دسترسی به بهترین معلمان: تهران بهترین معلمان و مدرسین کشور را در خود جای داده است. با انتخاب معلم خصوصی مناسب میتوانید بهترین فرصت آموزشی را برای فرزندانتان فراهم کنید.
کیفیت آموزشی بالا: معلمان مجرب و کارآزموده با استفاده از روشهای نوین تدریس، مفاهیم درسی را به صورت ساده و قابل فهم به دانشآموزان آموزش میدهند.
انعطافپذیری: شما میتوانید با توجه به برنامه و شرایط خودتان زمان و مکان برگزاری کلاسهای تدریس خصوصی را مشخص کنید.
تمرکز بر نیازهای فردی: در کلاسهای تدریس خصوصی، معلم بر نیازها و ضعفهای فردی هر دانشآموز تمرکز میکند و برنامه درسی را متناسب با آنها تنظیم میکند.
افزایش اعتماد به نفس: موفقیت در تحصیل و کسب نمرات خوب، اعتماد به نفس دانشآموزان را افزایش میدهد و انگیزه آنها را برای یادگیری بیشتر میکند.
انتخاب معلم خصوصی در تهران:
سابقه و تجربه: به دنبال معلمی باشید که سابقه تدریس در تهران و تجربه کافی در این زمینه را داشته باشد.
تخصص: معلم باید در درسی که میخواهد تدریس کند تخصص داشته باشد و به روزترین روشهای تدریس آشنا باشد.
مهارتهای ارتباطی: معلم باید توانایی برقراری ارتباط موثر با دانشآموز را داشته باشد و مفاهیم را به صورت ساده و قابل فهم آموزش دهد.
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Buenos días, el seguro me abona el 15 por ciento de la indemnización en concepto de defensa jurídica pero no quiere abonarme el IVA de la minuta. Es correcta esta actuación por parte del seguro? Se acoge de que la clausula del contrato no contempla IVA sólo habla de indemnización.
Gracias.
Soy agente de seguros y la compañía no quiere pagar el IVA de una reparación de un taxi, porque dice que se lo puede desgravar, pero el asesor del asegurado dice que va con «topes» y que con estos topes va a perder dinero, porque sólo con la gasolina ya llega al máximo que tienen estipulado. Yo no entiendo de este tema, y la compañía sigue con la misma contestación. Me gustaría ayudar a mi asegurado. Que podemos hacer, y en que ley nos basamos para rebatir la decisión de la compañía. El cliente no tiene porque perder dinero cuando es un golpe donde es él el perjudicado. Un saludo,
Tuve un intento de robo y los daños materiales fueron indemnizados económicamente tras mandar yo al seguro los presupuestos del arreglo. Dicha indemnización económica fue sólo de la base imponible de los presupuestos del arreglo, sin IVA. Me dice el seguro que cuando haga el arreglo y les mande la factura que me pagarán dicho IVA. El IVA son más de 500 euros que tendría que adelantar yo de mi dinero al pagar dichas facturas y en estos momentos no me lo puedo permitir. ¿El seguro no debería pagarme todo con el IVA para que pueda hacer el arreglo? ¿Tengo que presentar Obligatoriamente las facturas o puedo quedarme la indemnización y arreglar los desperfectos cuando quiera? Gracias. Saludos.
Lo del IVA no debería hacerse pero se hace. Usted sí que puede guardarse la indemnización, pero si quiere el IVA y no quiere que la gestión de esa reclamación a la que usted tiene derecho le cueste más cara que el propio IVA que debe percibir, deberá ser pragmático y hacer lo que el seguro le dice.
Muchas gracias por su respuesta. Si alguna vez necesito de sus servicios no dudaré en llamarlos. Feliz año 2022
Hace 2 años tuve accidente de coche y siniestro total. No me han pagado IVA pero hacienda me lo reclama. Como puede ser esto?
¿Puede explicarse mejor? ¿Cómo lo hace Hacienda para reclamarle el IVA de una indemnización de una pérdida total de un vehículo cuando ese tipo de indemnización no está grabada con IVA? Nos parece francamente sorprendente .
Hola, gracias por el artículo. En mi caso, el seguro de hogar me indemnizó un importe determinado. En el documento explicativo que se me envió se especificó el siguiente párrafo: «Quedando por tanto, pendiente de pago los daños estéticos así como el IVA aplicable sobre los conceptos detallados. Ambos conceptos se abonarían con acreditación mediante la aportación de facturas.»
Pues bien, he presentado las facturas, y se niegan a pagarme dicho IVA porque dicen que el importe total de las mismas, IVA incluido, es inferior al abonado en la indemnización. Sin embargo en el documento pone claramente que el IVA se paga a parte. ¿Tienen derecho a hacer eso? Según entiendo del artículo deben abonarme el IVA de toda la indemnización, es asi?
Muchas gracias
El artículo hace referencia a que la tasación de los daños, y las indemnizaciones, deben realizarse siempre IVA incluido ya que el IVA es una parte del coste de las cosas que están gravadas con ese tipo de impuesto. Lo que es una obviedad es que, si una indemnización es igual al coste (IVA incluido) de la reparación o restitución del daño, el usuario no tiene derecho a reclamar nada más. El daño ha sido totalmente resarcido.
El único caso donde puede haber dudas sobre si el IVA debe abonarse o no son aquellos casos donde el usuario desarrolle una actividad mercantil y aquello que es objeto de indemnización sí que se trata de una inversión o gasto fiscalmente deducible. Pero no todos los gastos e inversiones realizados por personas físicas o jurídicas, aunque desarrollen actividades mercantiles, son fiscalmente deducibles y por tanto el asegurador deberá pagar siempre el IVA.
Buenas tardes, trabajo en una empresa adjudicataria de un contrato publico de conservación de carreteras. Entre las labores que realizamos está la de la reparación de los daños materiales a elementos de la calzada causados por los vehículos que tienen un accidente (por ejemplo una señal de trafico que resulta dañada por el impacto de un vehículo) . Estos daños son reparados por nosotros y reclamados mediante factura a las aseguradoras de los vehículos causantes de los mismos. Nos encontramos que hay aseguradoras que en ocasiones nos dicen que se avienen al pago de estos daños pero sin incluir el IVA de la factura emitida, alegando que este IVA es deducible. Sin embargo, entendemos tal supuesto alegado por los seguros como incorrecto, ya que para el arreglo de estos desperfectos se emplean materiales (por ejemplo hierro o placa de la señal del ejemplo) que cuando nosotros los compramos SOPORTAMOS el pago del IVA de dichos materiales
Quisiera saber la base legal (si es que existe) para alegarles lo anteriormente referido, es decir que soportamos este IVA de estos materiales y debemos incluir el IVA en nuestra factura sin que tal hecho suponga un enriquecimiento para nosotros.
Muchas gracias
Hola, en principio ustedes son los adjudicatarios exclusivos de realizar los trabajos y por tanto deben realizar una factura de esas labores completamente legal con la base imponible y el correspondiente IVA.
Esa factura (IVA Incluido) se la deberá pagar quien le encarga los trabajos que será la aseguradora o quien le encargue los trabajos (la empresa concesionaria). Siempre deberán pagarle su factura con el IVA. Si tiene problemas de cobro de la integridad de la factura es tan sencillo como plantear un procedimiento judicial monitorio reclamando la parte dejada de pagar, en su caso el IVA.
Hola, buenas tardes, tengo un seguro a todo riesgo en mi coche el cual di un parte sin contrario, solicite a la compañía que me indemnice en vez de reparar descontando la parte de la franquicia ( el perito ha ido a ver el coche), después yo me ocuparé de reparar, me han contestado diciéndome que no pueden indemnizar al no ser siniestro total y que si quiero que me indemnicen les tengo que llevar la factura,
¿ estoy equivocado yo al pedirles que me indemnicen en vez de reparar?
¿Es verdad que necesitan factura para pagarme? Cuando el perito lo ha visto e imagino que eso ya tendrá un precio de reparación.
Muchas gracias
No es cierto que deba aportar ninguna factura para que le indemnicen. Se trata de una mala praxis de algunas aseguradoras el condicionar las indemnizaciones a pretextos de todo tipo como el que nos está exponiendo. Puede presentar una denuncia ante la DGSFP
me atracaron en la calle. me quitaron unas gafas de las que si tenia factura, un móvil (no puedo aportar factura) dinero en metálico (70 euros) y un bolso Bimba y Lola, comprado en rebajas por 175 Euros (sin factura) . todo esto hace un total de unos 600 euros. me abonan 450, reclamo el iva de las gafas ( que no me habían abonado en un principio, y me lo pagan (recuerde que tenia factura) reclamo el iva del móvil y del bolso, que es lo que me falta y me indican que no corresponde porque no presento factura. Vuelvo a reclamar, y me indican que el asunto no es el iva, que se indemniza con arreglo a valoración pericial al no existir factura de reposición ni de adquisición y que si finalmente aporto factura y siendo un modelo similar es de superior coste, se estudiaría una ampliación de la indemnización.
Mi pregunta es, como puedo argumentar seriamente que me abonen el iva de los objetos causa del atraco, es decir, bolso y móvil… porque me temo que me quedo sin ello. Gracias.
Puede argumentarlo seriamente a modo que el IVA es una parte del costo de los bienes y servicios, y que por tanto, debe liquidarse. Si la otra parte no lo entiende será que es un «cateto» o es un estafador, en cuyo caso no tendrá más opción que plantear una denuncia a la Dirección General de Seguros y Fondos de Pensiones.
Buenos dias, tuve un siniestro en mi vivienda por una fuga de agua. Como en mi póliza señala que los muebles dañados se pagan como nuevos, me ofertan o bien una indemnizacion a la baja por el perjuicio y que me quede con los muebles o el dinero que me costaron y que figura en las facturas de compra que les aporté y se llevarian los muebles deteriorados para darlos a una empresa de recuperación. Pero me dicen que no me pagan el IVA de las facturas que aporté, que solo me pagan el precio que me costaron los muebles sin el IVA. Y claro si yo quiero comprar unos muebles nuevos puesto que logiacamente se van a llevar mis muebles me van a cobrar el IVA por ellos. ¿Pueden hacer eso? Muchas gracias
Los muebles son de usted estén accidentados o no. Si le indemnizan los muebles accidentados, con ellos puede hacer usted lo que quiera. ¿Cómo van a llevarse unos muebles que son suyos? Según la Ley la aseguradora debe indemnizarle el daño, y no dice nada de que la aseguradora recupere absolutamente nada. Fin de la discusión. Que le digan en virtud de qué Ley y qué artículo el asegurador puede llevarse unos muebles accidentados debidamente indemnizados.
Las facturas de compra acreditan quién compró los muebles y el coste de los mismos en el momento de su compra. Esos muebles podrían ser regalados y por tanto suyos sin haberlos comprado. El precio de los mismos podría haber variado al alza o a la baja por el tiempo transcurrido, por lo que deben tasarse a valor actual, no a valor del pasado. Además de indemnizarse al precio actual en caso de indemnización, deben liquidarse con el IVA.
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Buenas tardes.
Enhorabuena por el blog, muy interesante. Este es un mundo que me apasiona y vuestro blog merece la pena.
En este caso no estoy de acuerdo con vuestro planteamiento. Coincido en que el importe indemnizable una vez se acredite la sustitución debe ser el coste de reposición a nuevo con precios actuales de mercado, digo una vez que se acredite la sustitución porque normalmente las pólizas suelen indemnizar el valor real de los bienes, quedando pendiente la reposición que como sabemos todos tiene un plazo máximo para llevarse a cabo.
En relación con la retirada de los muebles, creo que responde a la obligación que tiene el asegurado de aminorar las consecuencias del siniestro, de hecho, en el artículo 17 se especifica que los gastos de salvamento en los que se incurra serán conceptos indemnizables, aunque no obtengan su finalidad, en este sentido, si el asegurado no realiza las gestiones para este fin las va a realizar la aseguradora.
Un cordial saludo.
Totalmente de acuerdo, pero creemos que el caso que nos plantea el usuario no existen gastos de salvamento que es a lo que hace referencia el artículo 17 de la LCS. No «salvo» nada y pide la indemnización de los daños sufridos. Lo que parece es que la aseguradora no tasa por lo que realmente valen los bienes dañados en la forma establecida en el contrato, no incluya el IVA o intenten deducirle los muebles siniestrados, que eso no es un salvamento.
Muchas gracias, en ese sentido les respondí y cambiaron su «discurso»
Hola,
Tengo un problema con mi seguro de casa, tuve una fuga de agua en la cocina y tuvieron que venir a reparar pero lo repararon mal y tuve que llamar a un fontanero de urgencia para no mojar al vecino de abajo, llame al seguro y me dijo que si yo podía buscar a un albañil que me arreglase la cocina ya que habian picado y demas.. yo accedi ya que queria que se haga rapido me dijeron que se harian cargo de todas las facturas cuando acabase la obra. Hace 1 semana que me indemnizaron pero la sorpresa fue que faltaba dinero llame para reclamar y su respuesta fue que segun la legislacion vigente (Real Decreto-Ley 20/2012 de 13 de julio) solo el IVA a aplicar es del 10% cuando yo pague en todas las facturas el 21%. Esto esta bien? Quien me paga el resto de dinero que me falta?
IVA TIPO REDUCIDO EN OBRAS EN VIVIENDAS
El artículo 2 del Real Decreto-ley 6/2010, de 9 de abril, de medidas para el impulso de la recuperación económica y el empleo (BOE de 13 de abril de 2010), reforma la normativa del Impuesto sobre el Valor Añadido, permitiendo la aplicación del tipo impositivo reducido para todo tipo de obras de renovación y reparación de la vivienda realizadas desde el 14 de abril de 2010 hasta el 31 de diciembre de 2012, además de ampliar, con vigencia indefinida, el concepto de rehabilitación estructural a efectos del impuesto, a través de una definición de obras análogas y conexas a las estructurales, que permite reducir los costes fiscales asociados a la actividad de rehabilitación. El Real Decreto-ley 20/2012de 13 de julio, de medidas para garantizar la estabilidad presupuestaria y de fomento de la competitividad(BOE de 14 de julio de 2012), deroga la redacción dada por el Real Decreto-ley 6/2010, de modo que a partir del 1 de septiembre de2012 (y, en principio, con vigencia indefinida), el tipo reducido continúa aplicándose a ejecuciones de obra «de renovación y reparación».
OBRAS DE REHABILITACIÓN, “ANÁLOGAS” O “CONEXAS”, EN EDIFICACIONES
Obras de rehabilitación.
Para determinar si las obras realizadas son de rehabilitación y tributan al tipo reducido del 10por ciento, deberán cumplirse dos requisitos:
1) Que más del 50 por ciento del coste total del proyecto de rehabilitación se corresponda con obras de consolidación o tratamiento de elementos estructurales, fachadas o cubiertas o con obras análogas o conexas a las de rehabilitación. A estos efectos, resultará necesario disponer de suficientes elementos de prueba que acrediten la verdadera naturaleza de las obras proyectadas, tales como, entre otros, dictámenes de profesionales específicamente habilitados para ello o el visado y, si procede, calificación del proyecto por parte de colegios profesionales.
2) Si se cumple el primer requisito, el importe total de las obras totales debe exceder del 25 por ciento del precio de adquisición de la edificación (si se efectuó en los dos años anteriores al inicio de las obras de rehabilitación), o del valor de mercado de la edificación antes de su rehabilitación, descontando en ambos casos el valor del suelo.
Obras análogas a las de rehabilitación.
1) Las de adecuación estructural que proporcionen a la edificación condiciones de seguridad constructiva, de forma que quede garantizada su estabilidad y resistencia mecánica.
2) Las de refuerzo o adecuación de la cimentación así como las que afecten o consistan en el tratamiento de pilares o forjados.
3) Las de ampliación de la superficie construida, sobre y bajo rasante.
4) Las de reconstrucción de fachadas y patios interiores.
5) Las de instalación de elementos elevadores, incluidos los destinados a salvar barreras arquitectónicas para su uso por discapacitados.
Obras conexas a las de rehabilitación.
Se considerarán obras conexas a las de rehabilitación las que se citan a continuación cuando su coste total sea inferior al derivado de las obras de consolidación o tratamiento de elementos estructurales, fachadas o cubiertas y, en su caso, de las obras análogas a éstas, siempre que estén vinculadas a ellas de forma indisociable y no consistan en el mero acabado u ornato de la edificación ni en el simple mantenimiento o pintura de la fachada:
a) Las obras de albañilería, fontanería y carpintería.
b) Las destinadas a la mejora y adecuación de cerramientos, instalaciones eléctricas, agua y climatización y protección contra incendios.
c) Las obras de rehabilitación energética.
Se considerarán obras de rehabilitación energética las destinadas a la mejora del comportamiento energético de las edificaciones reduciendo su demanda energética, al aumento del rendimiento de los sistemas e instalaciones térmicas o a la incorporación de equipos que utilicen fuentes de energía renovables.
OBRAS DE RENOVACIÓN Y REPARACIÓN DE VIVIENDAS PARA USO PARTICULAR
Cuando un proyecto de obras no pueda calificarse como de rehabilitación, las obras de renovación y reparación realizadas en edificios o partes de los mismos destinados a viviendas, tributarán al tipo reducido del 10por ciento cuando se cumplan los siguientes requisitos:
a) Que el destinatario sea persona física (no actividad empresarial o profesional), y utilice la vivienda a que se refieren las obras para su uso particular. También cuando el destinatario sea una comunidad de propietarios por las obras hechas en el edificio en el que se encuentre la vivienda.
b) Que la construcción o rehabilitación de la vivienda a que se refieren las obras haya concluido al menos dos años antes del inicio de estas últimas.
c) Que la persona que realice las obras no aporte materiales para su ejecución o, en el caso de que los aporte, su coste no exceda del 40 por ciento de la base imponible de la operación. Deben considerarse “materiales aportados” por el empresario o profesional que ejecuta las obras de renovación o reparación realizadas en edificios o partes de los mismos destinados a viviendas, todos aquellos bienes corporales que, en ejecución de dichas obras, queden incorporados materialmente al edificio, directamente o previa su transformación, tales como los ladrillos, piedras, cal, arena, yeso y otros materiales.
Con esta modificación se extiende la aplicación del tipo reducido, hasta ahora limitado a las obras de albañilería, a todo tipo de obras de renovación y reparación, como, por ejemplo: fontanería, carpintería, electricidad, pintura, escayolistas, instalaciones y montajes…
En todo caso, el coste de los materiales aportados por el empresario o profesional que realice la obra, no puede exceder del 40 por ciento del coste total de la obra ya que la calificación de la ejecución de obra como prestación de servicios o como entrega de bienes es esencial para valorar la procedencia o no del tipo reducido. Por ejemplo: La colocación del suelo de una vivienda por 10.000 €, correspondiendo 3.000 € a materiales aportados por quien realiza la obra, tributa toda ella al tipo reducido. Una obra por un importe total de 10.000 €, si los materiales aportados ascienden a 5.000 €., tributa, sin embargo, al tipo general.
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Hola. Tengo la furgoneta asegurada en Allianz. Sufrí un siniestro de todo riesgo y me dicen que el IVA es cosa mía. Ah, trabajo como repartidor autónomo Es así? o puedo reclamar ese IVA
Lo correcto es que le paguen la indemnización con IVA. Al ser una indemnización ésta no está sujeta a tributación. Usted no debe reflejar ese cobro como un ingreso de explotación sino como una indemnización. El pago que usted recibe en concepto de indemnización no es un gasto ni una inversión deducible, por lo que usted deberá ingresar el 100% del IVA a la Hacienda Pública.
El problema está en que habitualmente las aseguradoras, cuando ven que el asegurado o el perjudicado es una sociedad civil, mercantil o se trata de un autónomo, se quedan con el IVA sin poderlo hacer. Para más abultamiento la aseguradora, sin saber si esa indemnización correspondería a un gasto o inversión deducible afecto a la actividad del sujeto pasivo (asegurado o perjudicado), el asegurador se queda con el IVA. Resulta que si el usuario sufriera una inspección de la Hacienda Pública por IVA, recibirá una sanción por deducirse algo que no podía deducirse y quien se quedó con el dinero del IVA fue la aseguradora, que saldrá indemne de la sanción siendo ella la beneficiaria de la infracción. ¡Un auténtico despropósito!
Y si el usuario se dedujera el IVA y la Base Imponible sin poderlo hacer, si acaso habría un enriquecimiento injusto a costa de la Hacienda Pública Española, jamás a costa de la aseguradora. Con el tema de no pagar el IVA a los asegurados y los perjudicados quien se enriquece a costa de la Hacienda Pública es la aseguradora, no el usuario, quien además de estar «en falso» no ha sido quien se ha lucrado ilegítimamente de la infracción sino el seguro.
A todo ello las aseguradoras ponen como pretexto que el seguro no puede ser objeto de enriquecimiento injusto por parte del asegurado, y lo que realmente sucede es que el seguro se enriquece a costa de la Hacienda Pública Española. ¡Realmente perverso!
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me duda soy persona fisica actividad empresarial me van a indeminzar mi vehiculo la aseguradora tengo duda que impuestos me corresponde pagar cuando reciba me indeminzacion y de acuerdo a que fundamentos legales del sat
Lamentamos no poder ayudarle ya que no tratamos temas tributarios ni fiscales. Somos expertos en accidentes y solo exponemos lo que deben pagar los seguros respecto a indemnizaciones o incidencias que puedan suceder con ellas, no qué tributación deberá pagar el asegurado a la Hacienda Pública tras una indemnización.
Buenas .Hace poco tuve un percance con el barco .vino el perito y la CIA de seguro acepto Pero ahora me condiciona el pago de la indemnización a la presentación de factura definitiva. Esto es así Gracias
No. Están actuando de manera fraudulenta. Le recomendamos que lea nuestro post: https://www.claimcenter.com/condicionar-pago-indemnizacion-se-arreglen-danos/
Buenos días,
He sufrido un siniestro, por una fuga de agua, producida por una avería en el local de arriba. La aseguradora de dicho local, me abona la factura, pero sin IVA, y necesitaría saber, si como empresa debo pagar yo el IVA de dicha factura, y a que ley me debo remitir para reclamar.
Muchas gracias!
Si usted es una empresa o es un particular debe pagar siempre el IVA de las facturas a su proveedor. Otro aspecto es si el asegurador debe liquidarle el IVA de esa factura si usted es una empresa, y si usted puede deducirse el IVA de esa factura. Nosotros entendemos que al tratarse de una indemnización que no está sujeta a tributación, el asegurador debe pagarle el IVA de la factura siempre y usted no puede deducirse ese gasto o inversión que efectuará para restituir el bien dañado.
Su empresa no puede deducirse el IVA de esa factura jamás. Lo debe liquidar siempre a la Hacienda pública. Hay otros criterios, como el de las aseguradoras en general, que por interés interpretan que esa indemnización siempre es un gasto o inversion deducible por parte de la persona jurídica y por tanto no le liquidan el impuesto porque interpretan que sería un enriquecimiento injusto por su parte. Pero el problema viene cuando las aseguradoras no pagan el IVA sobre inversiones o gastos que la empresa o profesional liberal no puede deducirse jamás, y por tanto deberían pagarlo siempre. Con nuestro sistema siempre se actúa del mismo modo, y la empresa jamás puede deducirse el IVA porque se trata de una indemnización.
Buenas tardes. A ver si ustedes me pueden ayudar con una duda. Me han perdido un paquete la empresa de nacex. He presentado la factura de compra del aparato que he enviado, que cuesta 850€ + Iva = 1028,50€.
Me han enviado un email hoy diciendo que la aseguradora de nacex se hace cargo, pero que me pagan la base imponible de 850€, sin Iva. Esto es legal?? Yo tengo que reponer esa maquina, y por tanto volver a pagar el iva. Estoy muy confusa, no entiendo nada ?
Deben indemnizarle con IVA, y puesto se trata de una indemnización que no está sujeta a tributación, usted no puede deducirse ese importe como gasto, ni el IVA ni la Base Imponible. En ese caso usted actúa como finalista sin posibilidad a deducciones fiscales y debe ingresar el IVA liquidado en la Agencia Tributaria.
Buenos días, gracias por el artículo.
Hace un año y pico tuve un siniestro con la moto del que resulte parte a indeminizar por valor de casi 4000 euros. Sin embargo, la aseguradora me abono la cantidad sin IVA y se comprometio a pagar el IVA una vez le facilitase factura o facturas de reparación y/o compra de recambios. Al prinicipio, yo luche mi posicion mediante conversaciones mail, alegando que debian pagarme el importe integro pero ante su negativa acabe firmando finiquito.
Mi pregunta es, ¿Puedo conseguir ahora que me abonen el importe referente a IVA basandome en que su requisito de presentancion de facturas y por tanto su posterior negacion a abonar el importe integro no esta amparada en derecho?
Gracias y un saludo.
No tenemos la documentación de su caso ni los antecedentes, por lo que no sabemos qué firmó ni qué aceptó. La cuestión es que, si el asegurador no le indemniza con IVA, puede usted reclamar perfectamente.
En estos casos, siempre es bueno firmar el finiquito a disconformidad. Recibes la indemnización y dejas la puerta abierta a la reclamación del resto, en este caso, el IVA,
También puede denunciarse este tipo de actuaciones ante la Agencia Tributaria y la Dirección general de Seguros y Fondos de Pensiones.
Desde la direccion general de seguros interpretan que la Ley 50/1980 art. 26 que El seguro no puede ser objeto de enriquecimiento injusto para el asegurado. Para la determinación del daño se atenderá al valor del interés asegurado en el momento inmediatamente anterior a la realización del siniestro.
Por lo tanto para que no haya enriquecimiento injusto deben presentarse las facturas.
Esto es asi?
El hecho de cobrar el IVA y que se lo quede el asegurado NO es un enriquecimiento a costa del seguro, en cambio SÍ es un enriquecimiento injusto a costa de la Hacienda Pública, y por tanto de todo el pueblo español.
Lo que no puede ser es que haya un enriquecimiento injusto por parte del seguro a costa de la Hacienda Pública porque el asegurado y el proveedor actúan en el ámbito de la economía sumergida. El seguro pasa a ser el beneficiario del fraude del IVA.
Como bien dice usted, el artículo 26 de la LCS dice que EL SEGURO no puede ser objeto de enriquecimiento injusto para el asegurado, y el hecho que el asegurado no pague el IVA que ha cobrado del seguro no es un enriquecimiento a costa del seguro sino un enriquecimiento a costa de la Hacienda Pública Española, que es una cosa muy distinta.
Si las cosas incorporan IVA se deben pagar con IVA. El IVA es una parte del coste de las cosas, por lo tanto el seguro lo debe pagar siempre.
¿O es que todo el IVA que las aseguradoras dejan de pagar en las indemnizaciones porque los asegurados no presentan facturas luego lo ingresan a la Hacienda Pública? ¿Usted sabe si las aseguradoras se quedan con ese IVA a costa del Estado español o lo ingresan a la Hacienda Pública? ¿Sabe los centenares de millones que suponen anualmente para las arcas del Estado español ese IVA? ¿O la excusa para no liquidar ese IVA dejado de pagar al asegurado es que las aseguradoras no liquidan IVA y «lamentablemente» se lo tienen que quedar porque no tienen manera de liquidarlo?
Respecto a la Dirección General de Seguros (DGSFP) no sabemos cómo se ha planteado la pregunta que nos ha indicado y qué respuesta han emitido. Debería revisarse y saber si la DGSFP hacen su función de Regulador y Supervisor correcta para proteger al ciudadano español (es su función) o se dedican a proteger a las aseguradoras. En ocasiones tenemos serias dudas de saber si tienen clara cuál es su función.