{"id":28352,"date":"2026-07-13T11:41:15","date_gmt":"2026-07-13T09:41:15","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=28352"},"modified":"2026-07-13T11:41:15","modified_gmt":"2026-07-13T09:41:15","slug":"loferta-de-lassegurador-com-a-oferta-vinculant","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/loferta-de-lassegurador-com-a-oferta-vinculant\/","title":{"rendered":"L\u2019oferta de l\u2019assegurador com a oferta vinculant"},"content":{"rendered":"

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

L\u2019oferta de l\u2019assegurador com a oferta vinculant<\/b><\/h2>\n

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Consideracions a la recent sent\u00e8ncia del Tribunal Suprem<\/em><\/p>\n

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NORMATIVA AFECTADA<\/b><\/b><\/p>\n<\/td>\n

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Legislaci\u00f3 sobre responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles de motor. La Llei org\u00e0nica 1\/2025 estableix mesures per millorar l\u2019efici\u00e8ncia del Servei P\u00fablic de Just\u00edcia.<\/b><\/b><\/p>\n<\/td>\n<\/tr>\n

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MEDIADORS AFECTATS<\/b><\/b><\/p>\n<\/td>\n

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Tots, aix\u00ed com totes les persones f\u00edsiques i jur\u00eddiques sotmeses a la jurisdicci\u00f3 espanyola.<\/p>\n<\/td>\n<\/tr>\n

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MODIFICACIONS A REALITZAR<\/b><\/b><\/p>\n<\/td>\n

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Cal tenir en compte que l\u2019asseguradora queda vinculada per la quantia i els termes de l\u2019oferta motivada, i no podr\u00e0, en el procediment judicial posterior iniciat pel perjudicat per disconformitat amb l\u2019import ofert, negar la seva responsabilitat al\u00b7legant culpa exclusiva de la v\u00edctima ni reduir la indemnitzaci\u00f3 al\u00b7legant concurr\u00e8ncia de culpes. El judici se centrar\u00e0 \u00fanicament en la determinaci\u00f3 de la quantia indemnitzat\u00f2ria. Aplicaci\u00f3 d\u2019aquest criteri a tots els rams d\u2019asseguran\u00e7a.<\/p>\n<\/td>\n<\/tr>\n

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PROCESSOS AFECTATS<\/b><\/b><\/p>\n<\/td>\n

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Assessorament, contractaci\u00f3 i gesti\u00f3 de sinistres.<\/p>\n<\/td>\n<\/tr>\n

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ENTRADA EN VIGOR<\/b><\/b><\/p>\n<\/td>\n

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Immediata.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

INTRODUCCI\u00d3<\/b><\/p>\n

La recent Sent\u00e8ncia del Tribunal Suprem d\u201911 de maig de 2026 estableix, com a regla general, que l\u2019asseguradora que hagi formulat una oferta motivada no podr\u00e0, posteriorment, en cas que el perjudicat acudeixi als tribunals per reclamar un import superior, al\u00b7legar culpa exclusiva de la v\u00edctima o concurr\u00e8ncia de culpes.<\/p>\n

Aquesta sent\u00e8ncia se centra en l\u2019\u00e0mbit de l\u2019asseguran\u00e7a de responsabilitat civil de vehicles de motor, on l\u2019asseguradora est\u00e0 obligada a emetre una oferta o una resposta motivada davant la reclamaci\u00f3 del perjudicat. El Tribunal Suprem ha establert que l\u2019oferta motivada formulada per l\u2019asseguradora la vincula de manera permanent.<\/p>\n

Es tracta d\u2019una novetat molt important, que representa una garantia per al perjudicat, ja que sap que, com a m\u00ednim, disposa de l\u2019import ofert per l\u2019asseguradora, que no podr\u00e0 ser q\u00fcestionat en el procediment judicial posterior.<\/p>\n

EL PROCEDIMENT D\u2019OFERTA I RESPOSTA MOTIVADA<\/b><\/p>\n

El procediment d\u2019oferta i resposta motivada \u00e9s un procediment extrajudicial regulat per llei i d\u2019obligat compliment per a les parts, tant per al perjudicat com per a l\u2019asseguradora.<\/p>\n

L\u2019asseguradora, per mandat legal, est\u00e0 obligada a actuar d\u2019acord amb les opcions seg\u00fcents:<\/p>\n\n\n\n\n\n\n
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CONSIDERACI\u00d3 DE L\u2019ASSEGURADORA<\/b><\/b><\/p>\n<\/td>\n

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OBLIGACIONS DE L\u2019ASSEGURADORA<\/b><\/b><\/p>\n<\/td>\n<\/tr>\n

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Si considera acreditada la seva responsabilitat i quantificat el dany<\/p>\n<\/td>\n

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OFERTA MOTIVADA<\/b>. S\u2019hi han d\u2019adjuntar tots els documents i la informaci\u00f3 relacionada.<\/p>\n<\/td>\n<\/tr>\n

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Si considera acreditada la seva responsabilitat, per\u00f2 el dany encara no est\u00e0 quantificat<\/p>\n<\/td>\n

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RESPOSTA MOTIVADA<\/b>. Cal incloure els pagaments a compte i el comprom\u00eds de presentar una oferta motivada tan aviat com sigui possible.<\/p>\n<\/td>\n<\/tr>\n

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Si l\u2019asseguradora considera que existeix alguna causa que justifiqui el rebuig de la reclamaci\u00f3<\/p>\n<\/td>\n

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RESPOSTA MOTIVADA<\/b>. Cal especificar la causa del rebuig.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u2019objectiu de l\u2019oferta i la resposta motivada \u00e9s que \u00abel perjudicat disposi dels elements de judici necessaris per decidir si accepta o rebutja l\u2019oferta\u00bb, \u00e9s a dir, que conegui amb exactitud els criteris que l\u2019asseguradora ha valorat per formular l\u2019oferta o la resposta motivada i pugui decidir si l\u2019accepta o la rebutja.<\/p>\n

Per aquest motiu, sempre s\u2019hi ha d\u2019incloure l\u2019advertiment que l\u2019import o la informaci\u00f3 facilitada no est\u00e0 condicionada a la ren\u00fancia del perjudicat a exercir futures accions en cas que la indemnitzaci\u00f3 sigui inferior a la que legalment li pugui correspondre.<\/p>\n

LA DOCTRINA DELS ACTES PROPIS<\/b><\/p>\n

Segons el Tribunal Suprem, l\u2019asseguradora es troba en una modalitat tipificada, qualificada i refor\u00e7ada d\u2019aplicaci\u00f3 de la doctrina dels actes propis. Aix\u00f2 significa que, si en formular la seva oferta no ha rebutjat la responsabilitat ni ha apreciat circumst\u00e0ncies que permetin reduir la indemnitzaci\u00f3 b\u00e0sica \u2014per exemple, per concurr\u00e8ncia de culpes\u2014, com a regla general no podr\u00e0 al\u00b7legar posteriorment, en el procediment judicial, causes d\u2019oposici\u00f3 que contradiguin la posici\u00f3 mantinguda durant el procediment extrajudicial previ.<\/p>\n

No es pot permetre que l\u2019asseguradora negui en seu judicial all\u00f2 que ha adm\u00e8s extrajudicialment, ja que aix\u00f2 suposaria introduir causes d\u2019oposici\u00f3 inesperades.<\/p>\n

Llegiu-ne m\u00e9s (nom\u00e9s per a subscriptors):<\/b>
\nhttps:\/\/www.elcol-legi.org\/w\/download\/nota-ass-juridico-tecnica-03-2026-las-ofertas-motivadas-y-su-caracter-vinculante\/<\/span><\/a><\/span><\/p>\n

UN ARTICLE DE:<\/b><\/p>\n

J. Carlos Sol\u00eds<\/b>
\nAssessor t\u00e8cnic jur\u00eddic
\nDoctor en Dret \u2013 Advocat
\nCorreu electr\u00f2nic: assessories@elcol-legi.org<\/b><\/b><\/p>\n

[\/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

\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":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””] L\u2019oferta de l\u2019assegurador com a oferta vinculant [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]16\/7\/26[\/vc_column_text][vc_column_text css=””] Consideracions a la recent sent\u00e8ncia del Tribunal Suprem [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1783935574127{margin-bottom: 20px !important;}”] NORMATIVA AFECTADA Legislaci\u00f3 sobre responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles de motor. La Llei org\u00e0nica 1\/2025 estableix mesures per millorar l\u2019efici\u00e8ncia<\/p>\n","protected":false},"author":562,"featured_media":28353,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2200],"class_list":["post-28352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn302"],"yoast_head":"\nL\u2019oferta de l\u2019assegurador com a oferta vinculant - Col-legi de Mediadors d'Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/loferta-de-lassegurador-com-a-oferta-vinculant\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019oferta de l\u2019assegurador com a oferta vinculant - Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=”3\/4″][vc_column_text css=””] L\u2019oferta de l\u2019assegurador com a oferta vinculant [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]16\/7\/26[\/vc_column_text][vc_column_text css=””] Consideracions a la recent sent\u00e8ncia del Tribunal Suprem [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1783935574127{margin-bottom: 20px !important;}”] NORMATIVA AFECTADA Legislaci\u00f3 sobre responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles de motor. 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