{"id":1986,"date":"2015-06-19T19:00:26","date_gmt":"2015-06-19T19:00:26","guid":{"rendered":"http:\/\/www.fmabogados.com\/tenerife\/?p=1986"},"modified":"2018-12-02T20:22:17","modified_gmt":"2018-12-02T20:22:17","slug":"a-quien-reclamar-en-accidente-de-trafico","status":"publish","type":"post","link":"https:\/\/www.fmabogados.com\/tenerife\/a-quien-reclamar-en-accidente-de-trafico\/","title":{"rendered":"A qui\u00e9n reclamar en accidente de tr\u00e1fico"},"content":{"rendered":"

A qui\u00e9n reclamar en accidente de tr\u00e1fico (que cada palo aguante su vela)<\/h2>\n

A menudo tras sufrir un siniestro no sabemos si dirigirnos a nuestro seguro, al contrario al agente… sepa a qui\u00e9n reclamar en accidente de tr\u00e1fico<\/h4>\n

\"a<\/p>\n

Por suerte, no todos los d\u00edas sufrimos un accidente de tr\u00e1nsito. Esa suerte, en cambio, hace que no estemos acostumbrados con los procesos de tramitaci\u00f3n de nuestro expediente, m\u00e1xime si en dicho siniestro hemos resultado con lesiones. Por ello, en Abogados Tenerife<\/a> les ofrecemos esta minigu\u00eda para que sepa a qui\u00e9n reclamar en accidente de tr\u00e1fico<\/strong> respecto de cada una de las coberturas que sin duda precisar\u00e1 ejercer.<\/p>\n

La manera m\u00e1s clara de explicar qui\u00e9n es qui\u00e9n en su accidente ser\u00e1 poner un caso pr\u00e1ctico. Imaginemos que circulo con mi coche, que est\u00e1 asegurado en Mutua Tinerfe\u00f1a. En una intersecci\u00f3n <\/a>otro veh\u00edculo -asegurado en Axa- se salta un ceda el paso y me colisiona, caus\u00e1ndome lesiones y da\u00f1os de gran consideraci\u00f3n en mi auto. Rellenamos el parte amistoso, y yo le entrego mi copia a mi agente de seguros, el cual -con poqu\u00edsimas aunque honros\u00edsimas excepciones- har\u00e1 meramente de cartero, enviando a su vez mi parte al tramitador de mi aseguradora. Este, viendo que la responsabilidad del siniestro es de un coche asegurado en Axa, efectuar\u00e1 una reclamaci\u00f3n a dicha compa\u00f1\u00eda en virtud de convenio CIDE. Si el tramitador de Axa ha recibido a su vez su copia del parte amistoso y asume la culpa, pagar\u00e1 a Mutua Tinerfe\u00f1a lo que se conoce como m\u00f3dulo, esto es, una cantidad fija de euros para que sea mi compa\u00f1\u00eda la que se ocupe de peritar y pagar mi coche.<\/p>\n

Entonces, \u00bfa qui\u00e9n reclamar en accidente de tr\u00e1fico<\/strong> los da\u00f1os de mi coche?<\/p>\n

    \n
  1. A mi agente de seguros: No, porque lo m\u00e1ximo que puede hacer mi agente es lo que hago yo, esto es, llamar para ver c\u00f3mo la la cosa.<\/li>\n
  2. Al tramitador de la aseguradora contraria: No, salvo que por alguna raz\u00f3n Axa -en el ejemplo- no haya aceptado culpa y\/o pagado el m\u00f3dulo<\/li>\n
  3. Al tramitador de mi seguro: S\u00edn duda. Piense que su aseguradora, por arte del convenio CIDE, se ha convertido en su contraria.<\/li>\n<\/ol>\n

    Sigamos. Si en el siniestro adem\u00e1s hay lesiones, los gastos de la rehabilitaci\u00f3n, operaciones y pruebas los pagar\u00e1 mi seguro, por p\u00f3liza (salvo que sea peat\u00f3n, en cuyo caso los asumir\u00eda la contraria). Por lo tanto, si no autorizan la rehabilitaci\u00f3n, la suspenden sin estar yo curado o directamente me obligan a ir a un centro de rehabilitaci\u00f3n concreto pese a tener contratados en p\u00f3liza m\u00e1s de una docena, \u00bfa qui\u00e9n reclamar en accidente de tr\u00e1fico<\/strong>? Exacto: habr\u00e9 de entend\u00e9rmelas con el tramitador de mi seguro (por cierto, si su seguro es Mutua Tinerfe\u00f1a tenga usted claro que acabar\u00e1 en un centro Icot aunque le tengan que llevar a rastras)<\/p>\n

    Por \u00faltimo, \u00bfa qui\u00e9n reclamar en accidente de tr\u00e1fico<\/strong> las lesiones sufridas? Aqui s\u00ed que deber\u00e1 lidiar con el tramitador de la compa\u00f1\u00eda de seguros contraria, bien directamente, bien a trav\u00e9s de sus abogados.<\/p>\n","protected":false},"excerpt":{"rendered":"

    A qui\u00e9n reclamar en accidente de tr\u00e1fico (que cada palo aguante su vela) A menudo tras sufrir un siniestro no sabemos si dirigirnos a nuestro seguro, al contrario al agente… sepa a qui\u00e9n reclamar en accidente de tr\u00e1fico Por suerte, no todos los d\u00edas sufrimos un accidente de tr\u00e1nsito. Esa suerte, en cambio, hace que […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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