{"id":24720,"date":"2025-09-03T13:17:15","date_gmt":"2025-09-03T11:17:15","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=24720"},"modified":"2025-09-03T13:17:15","modified_gmt":"2025-09-03T11:17:15","slug":"un-error-del-client-no-allibera-la-companyia-de-pagar","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/un-error-del-client-no-allibera-la-companyia-de-pagar\/","title":{"rendered":"Un error del client no allibera la companyia de pagar"},"content":{"rendered":"

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

Un error del client no allibera la companyia de pagar<\/h2>\n

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Nom\u00e9s queda eximida si hi ha una relaci\u00f3 directa entre la dada inexacta i el ben assegurat<\/em>
\n<\/span><\/p>\n

[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1756898142097{margin-bottom: 20px !important;}”]<\/p>\n

Quan un assegurat omet una informaci\u00f3 o comet un error en declarar un antecedent de salut, no allibera de manera autom\u00e0tica a la companyia asseguradora per a denegar el corresponent pagament de la indemnitzaci\u00f3. Segons informa L’Economista, el Tribunal Suprem, en sent\u00e8ncia de 7 de juliol de 2025, ha aclarit aquesta q\u00fcesti\u00f3 i ha dictaminat que \u201cperqu\u00e8 la falta de declaraci\u00f3 d’un antecedent de salut eximeixi a l’asseguradora del pagament, no n’hi ha prou amb una inexactitud menor o amb dol greu per part de l’assegurat, sin\u00f3 que \u00e9s imprescindible que existeixi una relaci\u00f3 causal directa i decisiva entre la dada omesa i el risc assegurat, \u00e9s a dir, el sinistre”.
\n<\/span>El magistrat i ponent Almenar Berenguer, assenyala, segons la citada publicaci\u00f3, que \u201cnom\u00e9s si l’assegurat actua amb dol. ocultant deliberadament la malaltia, o amb culpa greu, com una neglig\u00e8ncia significativa, no un simple descuit, l’asseguradora podria quedar exonerada de pagar\u201d. En el seu text, el ponent adverteix que \u201cfins i tot en aquests casos, la inexactitud ha de ser rellevant per al contracte d’asseguran\u00e7a. Per exemple, si la malaltia o omissi\u00f3 era determinant perqu\u00e8 l’asseguradora accept\u00e9s o calcul\u00e9s el risc, s\u00ed que es consideraria que afecta la cobertura\u201d.<\/p>\n

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\u00daltimes not\u00edcies<\/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":"

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