{"id":1861,"date":"2023-12-14T08:00:00","date_gmt":"2023-12-14T08:00:00","guid":{"rendered":"https:\/\/teague.local\/?p=1861"},"modified":"2024-01-02T23:21:57","modified_gmt":"2024-01-02T23:21:57","slug":"social-and-economic-inflation-drive-up-auto-liability-claims","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2023\/12\/14\/social-and-economic-inflation-drive-up-auto-liability-claims\/","title":{"rendered":"La inflaci\u00f3n social y econ\u00f3mica aumenta las reclamaciones por responsabilidad civil de autom\u00f3viles"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-combined-u-s-personal-and-commercial-auto-insurer-liability-claim-payouts-were-96-billion-to-105-billion-higher-between-2013-and-2022-because-of-social-and-economic-inflation-according-to-a-new-insurance-information-institute-triple-i-study\"><strong>Los pagos combinados por reclamaciones de responsabilidad de aseguradoras de autom\u00f3viles personales y comerciales de EE. UU. aumentaron entre $96 mil millones y $105 mil millones entre 2013 y 2022 debido a la inflaci\u00f3n social y econ\u00f3mica, seg\u00fan un nuevo estudio del Insurance Information Institute (Triple-I).<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En el caso del seguro de responsabilidad civil para autom\u00f3viles personales, el aumento de la inflaci\u00f3n aument\u00f3 las p\u00e9rdidas y los costos de contenci\u00f3n de defensa en $61 mil millones\u201d, dice el estudio. \u201cDurante el mismo per\u00edodo (2013-2022), el aumento de la inflaci\u00f3n impuls\u00f3 las p\u00e9rdidas por responsabilidad civil de autom\u00f3viles comerciales y el DCC entre $35 y $44 mil millones\u201d.<br><br>El seguro de responsabilidad cubre lo que el tomador de la p\u00f3liza est\u00e1 legalmente obligado a pagar debido a lesiones corporales o da\u00f1os a la propiedad causados a otra persona o personas. Todos los estados de EE. UU., excepto New Hampshire, exigen que sus conductores compren una p\u00f3liza de seguro de autom\u00f3vil personal, con montos m\u00ednimos obligatorios de cobertura de responsabilidad, como condici\u00f3n para operar un veh\u00edculo de motor. Las peque\u00f1as empresas y corporaciones suelen adquirir p\u00f3lizas de responsabilidad civil para autom\u00f3viles comerciales para cubrir camiones y otros veh\u00edculos utilizados con fines comerciales, como limusinas y taxis.<br><br>La inflaci\u00f3n econ\u00f3mica se mide en el estudio como el \u00cdndice de Precios al Consumidor (IPC) \u2013 M\u00e9trica totalmente urbana, un punto de referencia de la Oficina de Estad\u00edsticas Laborales de EE. UU., mientras que la inflaci\u00f3n social indica c\u00f3mo los pagos de reclamaciones de las aseguradoras superan el IPC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-social-inflation\">\u00bfQu\u00e9 es la inflaci\u00f3n social?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A diferencia de la inflaci\u00f3n econ\u00f3mica general, que las aseguradoras pueden mitigar utilizando modelos de precios y reservas para p\u00e9rdidas, la inflaci\u00f3n social puede surgir de factores que son dif\u00edciles de prever, como el aumento de los costos por:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>aumentos en el n\u00famero de premios del jurado descomunales<\/li>\n\n\n\n<li>procedimientos legales que toman m\u00e1s tiempo de lo razonablemente esperado<\/li>\n\n\n\n<li>retrocesos en la reforma de la responsabilidad civil que anulan los l\u00edmites legales sobre da\u00f1os no econ\u00f3micos.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Considerada como un costo creciente de hacer negocios en la industria de seguros, la inflaci\u00f3n social est\u00e1 influenciada por el sentimiento p\u00fablico negativo sobre las corporaciones m\u00e1s grandes, el financiamiento de litigios y los retrocesos en la reforma de responsabilidad civil a nivel legislativo estatal, todo lo cual ha aumentado los costos de responsabilidad. Cambiar las percepciones y actitudes del p\u00fablico puede llevar a los miembros del jurado a simpatizar con los demandantes al otorgar da\u00f1os y perjuicios. Los miembros del jurado tambi\u00e9n pueden creer que el negocio, o la compa\u00f1\u00eda de seguros, tiene recursos financieros ilimitados, lo que lleva a lo que com\u00fanmente se conoce como veredictos &quot;impactantes&quot;. Estas indemnizaciones monetarias por da\u00f1os son mucho m\u00e1s altas de lo esperado seg\u00fan la evidencia presentada en el juicio, a menudo superando los $10 millones.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-personal-and-business-auto-liability\">Responsabilidad de autom\u00f3viles personales y comerciales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cEl negocio del seguro de responsabilidad civil para autom\u00f3viles personales tambi\u00e9n es muchas veces mayor que el de los autom\u00f3viles comerciales. La responsabilidad de los autom\u00f3viles personales tuvo $152.6 mil millones en primas netas ganadas en 2022, cuatro veces m\u00e1s que la responsabilidad de los autom\u00f3viles comerciales\u201d, afirm\u00f3 el estudio. Sin embargo, los titulares de p\u00f3lizas de autom\u00f3viles personales suelen tener $100.000 o menos en cobertura de responsabilidad civil, mientras que un titular de p\u00f3liza comercial t\u00edpico tiene un l\u00edmite de cobertura de $1 mill\u00f3n, explic\u00f3 el estudio. Respaldado por an\u00e1lisis detallados de pagos de reclamaciones que datan de a\u00f1os atr\u00e1s, el estudio concluy\u00f3 que, para las aseguradoras de responsabilidad civil de autom\u00f3viles personales:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Las p\u00e9rdidas han crecido m\u00e1s r\u00e1pidamente que las primas en los \u00faltimos a\u00f1os<\/li>\n\n\n\n<li>Desde el a\u00f1o del accidente 2020, las p\u00e9rdidas estandarizadas aumentaron un 15 por ciento, mientras que las primas estandarizadas cayeron un 13 por ciento.<\/li>\n\n\n\n<li>La gravedad, el tama\u00f1o de las p\u00e9rdidas, aument\u00f3 dr\u00e1sticamente despu\u00e9s de 2019<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El estudio concluy\u00f3 que las aseguradoras de responsabilidad civil de autom\u00f3viles comerciales vieron:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Las p\u00e9rdidas crecen m\u00e1s r\u00e1pido que la econom\u00eda en general<\/li>\n\n\n\n<li>La inflaci\u00f3n social como influencia principal en estas p\u00e9rdidas antes de 2021<\/li>\n\n\n\n<li>El tama\u00f1o promedio de la p\u00e9rdida (gravedad de las reclamaciones) ha aumentado dr\u00e1sticamente desde 2020<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTanto para las l\u00edneas de responsabilidad civil de autom\u00f3viles personales como comerciales, la inflaci\u00f3n social fue la principal fuente de aumento de la inflaci\u00f3n antes de 2021. Para 2021 y despu\u00e9s, el aumento de la inflaci\u00f3n provino de una combinaci\u00f3n de inflaci\u00f3n econ\u00f3mica e inflaci\u00f3n social\u201d, dice el estudio.<br><br>El estudio, \u201cImpacto del aumento de la inflaci\u00f3n en el seguro de responsabilidad civil para autom\u00f3viles personales y comerciales\u201d, fue investigado y escrito por Jim Lynch, FCAS, MAAA, ex actuario jefe de Triple-I; Dave Moore, FCAS, MAAA, presidente de Moore Actuarial Consulting LLC; y Dale Porfilio, FCAS, MAAA, director de seguros de Triple-I. La metodolog\u00eda de investigaci\u00f3n compara los \u00faltimos patrones de desarrollo de p\u00e9rdidas con un supuesto de referencia sin inflaci\u00f3n social y con tasas de inflaci\u00f3n estables.<\/p>\n\n\n\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Los pagos combinados por reclamaciones de responsabilidad de aseguradoras de autom\u00f3viles personales y comerciales de EE. UU. aumentaron entre $96 mil millones y $105 mil millones entre 2013 y 2022.<\/p>","protected":false},"author":1,"featured_media":1869,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13,22],"tags":[],"class_list":["post-1861","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Social and Economic Inflation Drive Up Auto Liability Claims - Teague Insurance<\/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.teagueins.com\/es\/2023\/12\/14\/social-and-economic-inflation-drive-up-auto-liability-claims\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Social and Economic Inflation Drive Up Auto Liability Claims\" \/>\n<meta property=\"og:description\" content=\"Combined U.S. personal and commercial auto insurer liability claim payouts were $96 billion to $105 billion higher between 2013 and 2022.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.teagueins.com\/es\/2023\/12\/14\/social-and-economic-inflation-drive-up-auto-liability-claims\/\" \/>\n<meta property=\"og:site_name\" content=\"Teague Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TeagueInsuranceAgencyInc\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-14T08:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-02T23:21:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.teagueins.com\/wp-content\/uploads\/2023\/12\/AutoAccidentInsuranceTraffic.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"buchanan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:site\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"buchanan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/\"},\"author\":{\"name\":\"buchanan\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/person\\\/56a66c7931e865a3f6cf418709cd4753\"},\"headline\":\"Social and Economic Inflation Drive Up Auto Liability Claims\",\"datePublished\":\"2023-12-14T08:00:00+00:00\",\"dateModified\":\"2024-01-02T23:21:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/\"},\"wordCount\":614,\"publisher\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/AutoAccidentInsuranceTraffic.jpg\",\"articleSection\":[\"Insurance\",\"Business\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/2023\\\/12\\\/14\\\/social-and-economic-inflation-drive-up-auto-liability-claims\\\/\",\"name\":\"Social and Economic Inflation Drive Up Auto Liability Claims - 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