{"id":24950,"date":"2025-09-30T17:52:31","date_gmt":"2025-09-30T15:52:31","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/la-accion-directa-pilar-basico-del-derecho-asegurador\/"},"modified":"2025-09-30T17:53:26","modified_gmt":"2025-09-30T15:53:26","slug":"la-accion-directa-pilar-basico-del-derecho-asegurador","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/la-accion-directa-pilar-basico-del-derecho-asegurador\/","title":{"rendered":"La acci\u00f3n directa, pilar b\u00e1sico del derecho asegurador"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

La acci\u00f3n directa, pilar b\u00e1sico del derecho asegurador<\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]El seguro de responsabilidad civil (RC) es una pieza esencial del sistema de reparaci\u00f3n de da\u00f1os de nuestro sistema jur\u00eddico<\/em>[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1759247407664{margin-bottom: 20px !important;}”]El seguro de responsabilidad civil (RC) es una pieza esencial del sistema de reparaci\u00f3n de da\u00f1os de nuestro sistema jur\u00eddico. Su funci\u00f3n b\u00e1sica es garantizar que el patrimonio del responsable quede protegido frente a reclamaciones de terceros a la vez que el perjudicado reciba la indemnizaci\u00f3n que le corresponde por el da\u00f1o sufrido. En este marco, el art\u00edculo 76 de la Ley de Contrato de Seguro (LCS) establece la\u00a0acci\u00f3n directa<\/strong>\u00a0del perjudicado contra el seguro del causante<\/strong>, figura que ha sido calificada por la doctrina y la jurisprudencia como uno de los pilares b\u00e1sicos del derecho de seguros.<\/p>\n

Las prestaciones que la acci\u00f3n directa nos aporta son:<\/p>\n

    \n
  1. Es un\u00a0derecho aut\u00f3nomo, ex lege y resarcitorio<\/strong>, destinado a proteger al perjudicado.<\/li>\n
  2. El\u00a0asegurador es el legitimado pasivo<\/strong>\u00a0natural. No cabe invocar su falta de legitimaci\u00f3n pasiva frente a la v\u00edctima.<\/li>\n
  3. El debate procesal leg\u00edtimo se centra en\u00a0cobertura y cuant\u00eda<\/strong>, no en la presencia o no del asegurado en el proceso.<\/li>\n
  4. Las\u00a0cl\u00e1usulas limitativas o excluyentes<\/strong>\u00a0\u00fanicamente son oponibles si cumplen con el\u00a03 LCS (Ley de contrato de seguro).<\/strong><\/li>\n
  5. El\u00a0quantum<\/strong>\u00a0indemnizatorio no se reduce por pagos ineficaces. Solo el pago que repara efectivamente y libera al asegurador.<\/li>\n
  6. Los\u00a0intereses del art. 20 LCS<\/strong>\u00a0refuerzan la efectividad del resarcimiento.<\/li>\n
  7. El sistema se equilibra con el\u00a0derecho de repetici\u00f3n<\/strong>\u00a0frente al asegurado en caso de dolo o en los supuestos del art. 43 LCS (Ley de contrato de seguro.<\/li>\n<\/ol>\n

    Un art\u00edculo de Josep Calvo<\/strong>[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

    \u00daltimas noticias<\/h2>\n

    [\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    [vc_row][vc_column width=”3\/4″][vc_column_text css=””] La acci\u00f3n directa, pilar b\u00e1sico del derecho asegurador [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]El seguro de responsabilidad civil (RC) es una pieza esencial del sistema de reparaci\u00f3n de da\u00f1os de nuestro sistema jur\u00eddico[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1759247407664{margin-bottom: 20px !important;}”]El seguro de responsabilidad civil (RC) es una pieza esencial del sistema de reparaci\u00f3n de<\/p>\n","protected":false},"author":4,"featured_media":25010,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[161,1867,2089],"class_list":["post-24950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-es-noticias","tag-mediarionews","tag-mn","tag-mn283-es"],"yoast_head":"\nLa acci\u00f3n directa, pilar b\u00e1sico del derecho asegurador - 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