{"id":9279,"date":"2023-06-19T16:30:18","date_gmt":"2023-06-19T15:30:18","guid":{"rendered":"https:\/\/gomezmaestre.com\/web\/?p=9279"},"modified":"2023-06-19T16:30:28","modified_gmt":"2023-06-19T15:30:28","slug":"lasseguradora-ha-de-pagar-els-danys-causats-imprudentment-per-lassegurat-en-la-comissio-dun-delicte","status":"publish","type":"post","link":"https:\/\/gomezmaestre.com\/web\/lasseguradora-ha-de-pagar-els-danys-causats-imprudentment-per-lassegurat-en-la-comissio-dun-delicte\/","title":{"rendered":"L&#8217;asseguradora ha de pagar els danys causats imprudentment per l&#8217;assegurat en la comissi\u00f3 d&#8217;un delicte?"},"content":{"rendered":"<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/repository.clientlink.es\/repository\/common\/images\/shutterstock306289928.jpg?866\" alt=\"Asseguran\u00e7a de responsabilitat civil\"\/><\/figure><p>Els&nbsp;<strong>actes intencionats<\/strong>&nbsp;no s\u00f3n assegurables per la seva pr\u00f2pia naturalesa. Una asseguran\u00e7a t\u00e9 un<strong>&nbsp;component aleatori<\/strong>, no relacionat amb la voluntat i intencionalitat de l&#8217;assegurat.<\/p><p>Per\u00f2 si l&#8217;assegurat produeix&nbsp;<strong>danys mitjan\u00e7ant la realitzaci\u00f3 d&#8217;una activitat delictiva<\/strong>, per determinar si l&#8217;assegurador n&#8217;ha de donar resposta, el rellevant \u00e9s si el sinistre es va produir per voluntat de l&#8217;assegurat.<\/p><p>Sobre la base de l&#8217;anterior, el&nbsp;<strong>Tribunal Suprem<\/strong>, en una sent\u00e8ncia recent, ha confirmat la condemna d&#8217;una asseguradora per indemnitzar els danys causats per un incendi. La&nbsp;<strong>controv\u00e8rsia<\/strong>&nbsp;ha estat perqu\u00e8 l&#8217;incendi va ser causat quan el fill d&#8217;un propietari va intentar robar combustible d&#8217;un dels vehicles estacionats al garatge de la comunitat de ve\u00efns. Va ser condemnat per un&nbsp;<strong>delicte<\/strong>&nbsp;<strong>d&#8217;incendi imprudent<\/strong>.<\/p><p>Com que el pare de l&#8217;autor havia contractat&nbsp;<strong>una asseguran\u00e7a<\/strong>&nbsp;que inclo\u00efa una cobertura de&nbsp;<strong>responsabilitat civil<\/strong>&nbsp;pels danys causats a tercers per accident, que va intentar fer valer davant l&#8217;asseguradora, la companyia d&#8217;assegurances es va negar a indemnitzar, al\u00b7legant que els danys no van oc\u00f3rrer accidentalment, sin\u00f3 de&nbsp;<strong>mala fe<\/strong>&nbsp;a causa d&#8217;un delicte.<\/p><p>No obstant aix\u00f2, els tribunals estan d&#8217;acord amb l&#8217;assegurat. Destaquen que l&#8217;asseguradora ha de pagar una indemnitzaci\u00f3 perqu\u00e8 els danys causats provenen d&#8217;un&nbsp;<strong>delicte imprudent&nbsp;<\/strong>i involuntari. L&#8217;<strong>objectiu del delinq\u00fcent<\/strong>&nbsp;era nom\u00e9s robar gasolina d&#8217;un vehicle, la seva intenci\u00f3 no va anar m\u00e9s enll\u00e0 i l&#8217;asseguran\u00e7a en q\u00fcesti\u00f3 \u00e9s precisament l&#8217;asseguran\u00e7a de responsabilitat civil.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Els\u00a0actes intencionats\u00a0no s\u00f3n assegurables per la seva pr\u00f2pia naturalesa. Una asseguran\u00e7a t\u00e9 un\u00a0component aleatori, no relacionat amb la voluntat i intencionalitat de l&#8217;assegurat.<\/p>\n","protected":false},"author":1,"featured_media":6525,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[1,143,144,168,146],"tags":[],"class_list":["post-9279","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-indemnitzacions","category-laboral","category-processal","category-resultats"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9279"}],"collection":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/comments?post=9279"}],"version-history":[{"count":1,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9279\/revisions"}],"predecessor-version":[{"id":9280,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/posts\/9279\/revisions\/9280"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media\/6525"}],"wp:attachment":[{"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/media?parent=9279"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/categories?post=9279"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gomezmaestre.com\/web\/wp-json\/wp\/v2\/tags?post=9279"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}