convenios entre aseguradoras <\/a>explic\u00e1bamos que cuando en un accidente de tr\u00e1fico intervienen dos veh\u00edculos entran en escena una serie de acuerdos entre compa\u00f1\u00edas de seguros por los que si la aseguradora del responsable del siniestro acepta su culpa, es el seguro del propio perjudicado el que se encarga de peritar los da\u00f1os materiales y pagar directamente al taller. Estos convenios suponen un ahorro para todas las partes, ya que por un lado las aseguradoras se ahorran gastos de personal y de gesti\u00f3n y por otro los asegurados consiguen que su coche o moto sea reparado en un plazo de tiempo razonable y sin tener que anticipar el dinero.<\/p>\nEl problema es que los convenios no entran en vigor cuando en el accidente de tr\u00e1fico intervienen m\u00e1s de dos veh\u00edculos, cual es el caso del accidente en cadena<\/strong>. En la jerga de los tramitadores de siniestros dir\u00edamos que en estos casos se ha de hacer una tramitaci\u00f3n tradicional, lo cual quiere decir lo siguiente: imaginemos que el coche A (asegurado en Mapfre) colisiona contra el coche B (con seguro en Axa), lanz\u00e1ndolo a su vez contra la moto C (con seguro en Allianz)<\/p>\nSupongamos que somos los propietarios del coche B. A consecuencia del accidente en cadena<\/strong> tenemos da\u00f1os en la parte trasera y en la delantera (al impactar con la moto). Obviamente le corresponder\u00e1 a Mapfre abonarnos la totalidad de los da\u00f1os (incluidos los delanteros). Para ello, tras dar parte a nuestra compa\u00f1\u00eda de seguros deberemos llevar nuestro coche al taller. En ese momento nuestra aseguradora Axa enviar\u00e1 reclamaci\u00f3n a Mapfre. Si \u00e9sta acepta la culpa, deber\u00e1n las aseguradoras ponerse de acuerdo para que un perito de Mapfre (y no de Axa, ya que como decimos aqu\u00ed no se aplica convenio) valore los da\u00f1os. El informe pericial le llega al tramitador de Mapfre, que se lo enviar\u00e1 al de Axa para que \u00e9ste a su vez le indique al cliente que repare su veh\u00edculo por el importe peritado y le traiga la factura cuando la abone (algunas aseguradoras anticipan ese importe, otras no). Una vez el tramitador de Axa tiene la factura, la env\u00eda al de Mapfre, que la paga. El problema es que, como dec\u00edamos, al tratarse de un accidente en cadena<\/strong> el cliente tarda m\u00e1s en ver reparado su coche y es posible que adem\u00e1s tenga que pagar primero la factura para que luego le devuelvan el importe.<\/p>\nAccidente en cadena, culpable y lesiones<\/h3>\n
Sigamos con nuestro ejemplo y pong\u00e1monos ahora en la piel del motorista (veh\u00edculo C). Supongamos que adem\u00e1s de da\u00f1os materiales ha resultado con lesiones.\u00a0 En primer lugar, hemos de dejar claro que el motorista no deber\u00e1 reclamar sus da\u00f1os al coche que le colision\u00f3 (el B) sino al causante del accidente (el A). Por lo tanto, para que le reintegren los da\u00f1os de la moto su compa\u00f1\u00eda Allianz seguir\u00e1 los mismos pasos que la aseguradora del coche B.<\/p>\n
En cuanto a las lesiones, deber\u00e1 interponer antes de seis meses una denuncia contra el conductor del veh\u00edculo A y contra su aseguradora Mapfre, siendo recomendable que para este tipo de reclamaci\u00f3n contrate los servicios de un despacho de abogados privados especialistas en accidentes de tr\u00e1fico.<\/p>\n","protected":false},"excerpt":{"rendered":"
Accidente en cadena y convenios entre aseguradoras En el art\u00edculo sobre los convenios entre aseguradoras explic\u00e1bamos que cuando en un accidente de tr\u00e1fico intervienen dos veh\u00edculos entran en escena una serie de acuerdos entre compa\u00f1\u00edas de seguros por los que si la aseguradora del responsable del siniestro acepta su culpa, es el seguro del propio […]<\/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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1],"tags":[40],"class_list":["post-824","post","type-post","status-publish","format-standard","hentry","category-accidentes-de-trafico","tag-accidente"],"yoast_head":"\n
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![\"accidente](\"https:\/\/i0.wp.com\/www.fmabogados.com\/tenerife\/wp-content\/uploads\/2014\/05\/accidente-en-cadena-con-lesiones-en-tenerife.jpg?resize=259%2C194\")
<\/h3>\n