Los peritos de seguros y los visitadores de siniestros
¿Qué diferencia existe entre los peritos de seguros y los visitadores de siniestros?
Son peritos de seguros quienes dictaminan sobre las causas del siniestro, la valoración de los daños y las demás circunstancias que influyen en la determinación de la indemnización derivada de un contrato de seguro y formulan la propuesta de importe líquido de la indemnización.
Son visitadores de siniestros las personas que informan al asegurador de las causas del siniestro, la valoración de los daños según las instrucciones de la aseguradora y las demás circunstancias que influyen en la determinación de la indemnización derivada de un contrato de seguro, siempre sesgado al interés del asegurador, y formulan la propuesta de importe líquido de la indemnización según las instrucciones explícitas de la aseguradora.
Los peritos de seguros deben ser imparciales, independientes y deben obrar según su leal saber y entender, a diferencia de los visitadores de siniestros, que actuarán según las directrices que marque seguro.
La inmensa mayoría de personas que acuden a nuestras viviendas, talleres de vehículos, empresas, etcétera de parte de la aseguradora son visitadores de siniestros, no peritos de seguros, aunque se hagan pasar por ellos. La confianza del usuario hacia los visitadores de siniestros debe ser muy limitada.
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