{"id":1561,"date":"2015-02-20T19:00:36","date_gmt":"2015-02-20T19:00:36","guid":{"rendered":"http:\/\/www.fmabogados.com\/tenerife\/?p=1561"},"modified":"2018-12-03T20:46:12","modified_gmt":"2018-12-03T20:46:12","slug":"mi-compania-de-seguros-no-defiende","status":"publish","type":"post","link":"https:\/\/www.fmabogados.com\/tenerife\/mi-compania-de-seguros-no-defiende\/","title":{"rendered":"Mi compa\u00f1\u00eda de seguros no me defiende"},"content":{"rendered":"

\u00a0Mi compa\u00f1\u00eda de seguros no me defiende, \u00bfpor qu\u00e9?<\/h2>\n

\u00a0No me informan de nada, no me ponen un abogado, no contestan mis llamadas… he sufrido un accidente de tr\u00e1fico y mi compa\u00f1\u00eda de seguros no me defiende. Quejas como \u00e9stas nos las encontramos en FM Abogados Tenerife<\/a> casi cada d\u00eda. \u00bfPor qu\u00e9 pasa esto?. Trataremos de explicarlo.<\/h3>\n
\"Mi<\/a>
(Photo credit: Wikipedia)<\/figcaption><\/figure>\n

Para entender por qu\u00e9 mi compa\u00f1\u00eda de seguros no me defiende<\/strong> vamos a generar un ejemplo tipo de accidente de tr\u00e1fico con lesiones e iremos descubriendo paso a paso qu\u00e9 intereses tiene mi aseguradora y por qu\u00e9 \u00e9stos no tienen nada que ver con los m\u00edos.<\/p>\n

\u00a0As\u00ed, supongamos que sufro un accidente de circulaci\u00f3n con culpa de un contrario. Mi coche resulta seriamente da\u00f1ado y yo sufro lesiones consistentes en un latigazo cervical y dorsalgia. Lo primero que har\u00e9, tras acudir a un hospital, es solicitar que se me d\u00e9 rehabilitaci\u00f3n en un centro m\u00e9dico. Asisto a uno que me queda cerca de casa y del que tengo buenas referencias, y aqu\u00ed empiezan los problemas: el centro me dice que antes de atenderme necesitan que mi aseguradora les autorice. Me quedo un poco perplejo, porque en mi p\u00f3liza de seguros pone que puedo acudir a cualquier centro concertado, pero me vuelvo\u00a0 a mi casa y espero que me llamen.<\/p>\n

\u00a0Empiezo a comprender que mi compa\u00f1\u00eda de seguros no me defiende<\/strong> cuando transcurrida una semana y ante la falta de noticias, llamo al centro m\u00e9dico. Se excusan por no llamarme, y me dan la noticia: mi aseguradora no autoriza la rehabilitaci\u00f3n en sus instalaciones. Llamo al tramitador de siniestros que lleva mi tema para pedir explicaciones y me dice que la rehabilitaci\u00f3n la tengo que hacer en un centro que les es afecto, eufemismo con el que quieren decir que es el m\u00e1s barato de la ciudad y en el que nos dar\u00e1n el alta a la que el tramitador de siniestros descuelgue un tel\u00e9fono.<\/p>\n

\u00a0Esto es, no tan s\u00f3lo mi compa\u00f1\u00eda de seguros no me defiende<\/strong>, sino que prioriza su propia econom\u00eda a mi salud. Otro tanto pasa cuando llevo mi coche al taller: El perito que vendr\u00e1 a determinar qu\u00e9 y por cu\u00e1nto se repara mi auto no es el de la compa\u00f1\u00eda contraria, sino el de la m\u00eda. Las aseguradoras lo hacen as\u00ed para, en virtud de sus convenios, ahorrarse dinero en personal. Lo que pasa es que ese ahorro para ellos tiene como da\u00f1os colateral el hecho de que de repente mi seguro pasa a convertirse en la compa\u00f1\u00eda contraria, ya que en lugar de asesorarme lo que tratar\u00e1n es de pagarme lo m\u00ednimo posible (y ya no hablemos si mi coche acaba siendo un siniestro total)<\/p>\n

\u00a0 Pronto descubrir\u00e9 que mi compa\u00f1\u00eda de seguros no me defiende<\/strong> tampoco a la hora de asignarme un abogado o al menos darme asesoramiento legal. La raz\u00f3n vuelve a ser -c\u00f3mo no- el dinero. Aunque los abogados de compa\u00f1\u00eda cobran poqu\u00edsimo por el trabajo que realizan, no dejan de ser un gasto para las aseguradoras, que prefieren \u00abvenderle\u00bb a sus asegurados que la miseria que ofrece el seguro contrario como indemnizaci\u00f3n por lesiones es insuperable antes que correr con los gastos de un procedimiento judicial.<\/p>\n

Hasta el pr\u00f3ximo art\u00edculo de Abogados Tenerife<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0Mi compa\u00f1\u00eda de seguros no me defiende, \u00bfpor qu\u00e9? \u00a0No me informan de nada, no me ponen un abogado, no contestan mis llamadas… he sufrido un accidente de tr\u00e1fico y mi compa\u00f1\u00eda de seguros no me defiende. Quejas como \u00e9stas nos las encontramos en FM Abogados Tenerife casi cada d\u00eda. \u00bfPor qu\u00e9 pasa esto?. Trataremos 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