{"id":910,"date":"2018-11-20T22:27:30","date_gmt":"2018-11-20T22:27:30","guid":{"rendered":"http:\/\/teague.local\/?p=910"},"modified":"2018-11-15T23:00:11","modified_gmt":"2018-11-15T23:00:11","slug":"whats-a-reservation-of-rights-letter","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2018\/11\/20\/whats-a-reservation-of-rights-letter\/","title":{"rendered":"\u00bfQu\u00e9 es una carta de \u201cReserva de derechos\u201d?"},"content":{"rendered":"

\u00bfY qu\u00e9 deber\u00eda hacer si obtiene uno?<\/strong><\/p>\n

Su organizaci\u00f3n acaba de ser demandada y ha notificado a su aseguradora de responsabilidad seg\u00fan lo exige la p\u00f3liza. Piensa que todo est\u00e1 arreglado ... cuando recibe una carta de reserva de derechos de la aseguradora. \u00bfQu\u00e9 significa esto y qu\u00e9 debe hacer?<\/p>\n

Practical Risk Management define una reserva de derechos como \u201cla notificaci\u00f3n de una aseguradora a un asegurado de que la cobertura de un reclamo puede no aplicarse. Esto permite una investigaci\u00f3n por parte de la aseguradora sin renunciar a su derecho a denegar la cobertura m\u00e1s tarde \u201d.<\/p>\n

Cuando la aseguradora le env\u00eda una carta de reserva de derechos, le est\u00e1 diciendo que tiene dudas sobre si su p\u00f3liza cubre algunas o todas las reclamaciones. En una demanda de responsabilidad, el demandante a menudo hace varias reclamaciones. La p\u00f3liza puede cubrir algunos y excluir otros. Cuando se presenta un reclamo por primera vez, es posible que la aseguradora no sepa si la cobertura se aplica con los hechos disponibles.<\/p>\n

Cuando compra una p\u00f3liza de responsabilidad civil, su aseguradora acepta pagar los costos de su defensa legal adem\u00e1s de cualquier da\u00f1o que pueda estar legalmente obligado a pagar. La mayor\u00eda de los estados reconocen este "deber de defender" como bastante amplio en una p\u00f3liza comercial de responsabilidad general. Si existe la posibilidad de que se aplique la cobertura, la aseguradora debe proporcionar su defensa legal.<\/p>\n

Cuando una aseguradora recibe una reclamaci\u00f3n que podr\u00eda estar cubierta solo parcialmente por su p\u00f3liza o no estar cubierta en absoluto, puede realizar una de las siguientes acciones:<\/p>\n

    \n
  1. Rechaza el deber de defender. Si la aseguradora hace esto y luego el tribunal determina que se aplic\u00f3 la cobertura, la aseguradora debe reembolsar sus costos de defensa, junto con los costos de liquidaci\u00f3n sobre los cuales no ten\u00eda control.<\/li>\n
  2. Investigue el reclamo y comience su defensa legal. A las aseguradoras les gusta evitar esto debido al principio de estoppel, que proh\u00edbe a una persona \u201cnegar o alegar cierto hecho ... debido a la conducta, alegaci\u00f3n o negaci\u00f3n anterior de esa persona\u201d en detrimento de otra. (Black's Law Dictionary) En otras palabras, si su aseguradora comienza a investigar o defender su reclamo, esto podr\u00eda llevarlo a asumir que cubrir\u00e1 su reclamo.<\/li>\n
  3. Presentar una acci\u00f3n declaratoria, en la que el asegurador solicita al tribunal que determine si est\u00e1 obligado a defender el reclamo. Una aseguradora rara vez har\u00e1 esto cuando reciba la notificaci\u00f3n de un reclamo por primera vez.<\/li>\n
  4. Env\u00ede al asegurado, por correo certificado, una carta de reserva de derechos y proceda con su investigaci\u00f3n. Esto permite que la aseguradora recopile m\u00e1s datos antes de decidir si niega la cobertura, al tiempo que conserva su derecho a hacerlo. Por lo tanto, su aseguradora podr\u00eda defender su reclamo de responsabilidad pero luego negar la indemnizaci\u00f3n (o el pago de acuerdos o sentencias) si su defensa no tiene \u00e9xito.<\/li>\n<\/ol>\n

    Las abogadas Veronica M. Bates y Renee C. Callantine advierten que se aplican diferentes reglas, dependiendo de la ubicaci\u00f3n. \u201cEn muchas jurisdicciones, la reserva de derechos puede permitir que la aseguradora se retire de la defensa cuando no hay posibilidad de cobertura bajo la p\u00f3liza. Las cartas ROR permiten a las aseguradoras negarse a indemnizar al asegurado por cualquier parte de un fallo no cubierto por la p\u00f3liza ".<\/p>\n

    La p\u00f3liza de responsabilidad tambi\u00e9n lo obliga expl\u00edcita o impl\u00edcitamente a cooperar con la aseguradora en la conducci\u00f3n de su defensa. Esto le permite a la aseguradora dirigir su defensa legal, incluido el derecho a llegar a un acuerdo. Pero las investigaciones tambi\u00e9n pueden brindarle los datos necesarios para negarle la cobertura. Por estas razones, una carta de reserva de derechos indica un conflicto entre usted y su aseguradora.<\/p>\n

    Esto es lo que debe hacer si recibe una carta de reserva de derechos: Proteja sus derechos de cobertura haciendo lo siguiente:<\/p>\n

      \n
    1. Lea atentamente la carta de reserva de derechos y la pol\u00edtica a la que se aplica.<\/li>\n
    2. Responda a su aseguradora diciendo que no est\u00e1 de acuerdo. Los expertos de John Liner Review recomiendan pedirle a la aseguradora que se comprometa con la cobertura antes de comenzar su investigaci\u00f3n.<\/li>\n
    3. Consiga su propio consejo.<\/li>\n<\/ol>\n

      Algunas cartas de reserva de derechos indicar\u00e1n que la aseguradora se reserva el derecho de recuperar los costos de la defensa si la aseguradora no debe una defensa. Dependiendo de los hechos del caso y de la jurisdicci\u00f3n, de hecho podr\u00eda estar obligado a reembolsar a su aseguradora los costos de defensa si posteriormente se determina que la cobertura no se aplica.<\/p>\n

      En una afirmaci\u00f3n sencilla, no tiene por qu\u00e9 preocuparse. Una aseguradora de buena reputaci\u00f3n proporcionar\u00e1 una defensa de calidad. Son las \u00e1reas grises, donde la cobertura podr\u00eda aplicarse o no, las que pueden causar conflictos. Por esta raz\u00f3n, recomendamos revisar a fondo su cobertura de responsabilidad de forma regular. Una revisi\u00f3n puede se\u00f1alar brechas en la cobertura, formularios e idioma obsoletos y otros problemas. Para m\u00e1s informaci\u00f3n, cont\u00e1ctenos.<\/p>\n

      Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"

      And what should you do if you get one? Your organization has just been sued, and you’ve notified your liability insurer as required by the policy. You think all’s taken care of\u2026when you receive a reservation of rights letter from the insurer. What does this mean, and what should you do? Practical Risk Management defines […]<\/p>\n","protected":false},"author":1,"featured_media":922,"comment_status":"open","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-910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"\nWhat's a \u201cReservation of Rights\u201d Letter? - 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\/2018\/11\/20\/whats-a-reservation-of-rights-letter\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What's a \u201cReservation of Rights\u201d Letter?\" \/>\n<meta property=\"og:description\" content=\"And what should you do if you get one? Your organization has just been sued, and you’ve notified your liability insurer as required by the policy. You think all’s taken care of\u2026when you receive a reservation of rights letter from the insurer. What does this mean, and what should you do? 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