{"id":5133,"date":"2025-11-18T14:00:01","date_gmt":"2025-11-18T17:00:01","guid":{"rendered":"https:\/\/cuartetoenlaweb.com.ar\/sitio\/que-pasa-con-el-seguro-si-tiene-un-siniestro-el-vehiculo-se-usaba-como-remis-y-se-declaro-particular\/"},"modified":"2025-11-18T14:00:01","modified_gmt":"2025-11-18T17:00:01","slug":"que-pasa-con-el-seguro-si-tiene-un-siniestro-el-vehiculo-se-usaba-como-remis-y-se-declaro-particular","status":"publish","type":"post","link":"https:\/\/cuartetoenlaweb.com.ar\/sitio\/que-pasa-con-el-seguro-si-tiene-un-siniestro-el-vehiculo-se-usaba-como-remis-y-se-declaro-particular\/","title":{"rendered":"Qu\u00e9 pasa con el seguro si tiene un siniestro el veh\u00edculo se usaba como rem\u00eds y se declar\u00f3 particular"},"content":{"rendered":"<p>La C\u00e1mara de Apelaciones en lo Civil, Comercial y Miner\u00eda de General Roca (R\u00edo Negro) resolvi\u00f3 un caso de da\u00f1os y perjuicios derivado de un accidente de tr\u00e1nsito, confirmando la procedencia de la exclusi\u00f3n de cobertura opuesta por la aseguradora.<\/p>\n<p>El tribunal ratific\u00f3 que la compa\u00f1\u00eda no es responsable de indemnizar a las v\u00edctimas porque el veh\u00edculo siniestrado se utilizaba para un fin distinto al declarado al momento de contratar la p\u00f3liza.<\/p>\n<p>LAS CLAVES DEL FALLO<\/p>\n<p>La Justicia argument\u00f3 que el uso del automotor como rem\u00eds o taxi (transporte de pasajeros) representaba una agravaci\u00f3n del riesgo respecto al declarado como \u00abuso particular\u00bb. El juez se\u00f1al\u00f3 que:<\/p>\n<p> * Riesgo agravado: \u00abResulta una verdad de perogrullo que resulta mucho m\u00e1s gravoso el riesgo para el caso de asegurarse un veh\u00edculo destinado al transporte de pasajeros que el de un uso simplemente particular\u00bb.<br \/>\n * An\u00e1lisis abstracto: El hecho de que el uso indebido del veh\u00edculo no haya incidido directamente en la causa del siniestro no impide la exclusi\u00f3n, ya que el an\u00e1lisis del riesgo asumido se realiza \u00aben abstracto, no en concreto\u00bb.<\/p>\n<p>Por lo tanto, la C\u00e1mara desestim\u00f3 el recurso de las v\u00edctimas y confirm\u00f3 la \u00abfalta de legitimaci\u00f3n pasiva\u00bb de la aseguradora.<\/p>\n<p>SE ELEVA LA INDEMNIZACI\u00d3N AL CONDUCTOR<\/p>\n<p>A pesar de eximir a la aseguradora, el tribunal s\u00ed hizo lugar a otros agravios del conductor demandado (Sandoval) relativos a la cuantificaci\u00f3n de los da\u00f1os, elevando significativamente el monto total de la condena:<\/p>\n<p> * Incapacidad Sobreviviente: Se elev\u00f3 la indemnizaci\u00f3n a la suma de $93.329.033,91. La Corte orden\u00f3 actualizar el ingreso base del demandante (pe\u00f3n general de chacra) a valores de la fecha de la sentencia.<br \/>\n * Da\u00f1os al veh\u00edculo: Se admiti\u00f3 el rubro por da\u00f1os a la motocicleta por $1.305.500 y por privaci\u00f3n de uso por $225.000.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La C\u00e1mara de Apelaciones en lo Civil, Comercial y Miner\u00eda<\/p>\n","protected":false},"author":0,"featured_media":5134,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-5133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pais"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e9 pasa con el seguro si tiene un siniestro el veh\u00edculo se usaba como rem\u00eds y se declar\u00f3 particular - Cuarteto en la Web<\/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:\/\/cuartetoenlaweb.com.ar\/sitio\/que-pasa-con-el-seguro-si-tiene-un-siniestro-el-vehiculo-se-usaba-como-remis-y-se-declaro-particular\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e9 pasa con el seguro si tiene un siniestro el veh\u00edculo se usaba como rem\u00eds y se declar\u00f3 particular - 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