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Erschienen in:
Transparency in the Insurance Contract Law of Austria Kapitel lesen Erstes Kapitel lesen

2019 | OriginalPaper | Buchkapitel

Transparency in the Insurance Contract Law of Colombia

verfasst von : Rebeca Herrera Díaz

Erschienen in: Transparency in Insurance Contract Law

Verlag: Springer International Publishing

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Abstract

In general terms, transparency in Insurance Contract Law can be defined as the fulfilment of the duty of good faith, which parties entering into an insurance contract have to comply with.

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Vorheriges Kapitel Transparency in the Insurance Contract Law of China
Nächstes Kapitel Transparency in the Insurance Contract Law of Georgia
Fußnoten
1
Lopez Blanco, Hernán Fabio. Comentarios al Contrato de Seguros. Dupré Editores Bogotá, 4ª Edición 2004.
 
2
Spindler, Martin. Asymmetric Information in the Insurance Markets: Does this really exist? Insurance and Economics No. 64, July 2011, The Geneva Association.; Bardey, David. Asimetrias de información en los mercados de seguros: teoría y Evidencia. Revista Fasecolda. Pg. 14–18; Chiappori and Salanie (2000), pp. 56–78.
 
3
Trejos, Silvio Fernando. Exp. 9559. Civil Law Chamber. Colombian Supreme Court 24th October 2005. Bogotá, Colombia.
 
4
Aanjo Mejia, Jorge. C- 232 of 1997. Colombian Constitutional Court. 15h of May, 1997. Bogotá, Colombia.
 
5
General principles on non-marine insurance.
  • Principles on non-life insurance: This Chapter is divided in the following sections:
    • Common principles to non-life insurance
    • Fire insurance.
    • Transportation insurance.
    • Liability insurance.
    • Reinsurance.
  • Principles on Life Insurance: This Chapter is divided in the following sections:
    • Common principles to life insurance.
    • Life insurance.
 
6
ARTICLE 1046. PROOF OF THE INSURANCE CONTRACT - POLICY. The insurance contract will be probed in writing or by confession.
For exclusive evidence purposes,the insurer is obliged to deliver in its original, to the policyholder, within fifteen days following the date of its conclusion the document containing the insurance contract, which is called a policy, which must be written in Spanish and signed by the insurer.
The Financial Superintendence of Colombia will indicate the branches and the type of contracts that are written in a foreign language.
PARAGRAPH. The insurer is also obliged to issue, on demand and at the expense of the policyholder, the insured or the beneficiary, duplicates or copies of the policy.
ARTICLE 1047. CONDITIONS OF THE POLICY.The insurance policy must indicate, in addition to the general conditions of the contract:
(1)
The name or social denomination of the insurer;
 
(2)
The name of the Policy Holder;
 
(3)
The names of the insured and the beneficiary or how to identify them, if different from the policyholder;
 
(4)
The right in which the policyholder acts;
 
(5)
The precise identification of the thing or person with respect to which the insurance is contracted;
 
(6)
The duration of the contract, indicating the dates and times of initiation and expiration, or the way of determining one or the other;
 
(7)
The sum insured or how to determine it;
 
(8)
The premium or the way of calculating it and the form of its payment;
 
(9)
The risks that the insurer accepts:
 
(10)
The date on which it is extended and the signature of the insurer, and
 
(11)
Any other special conditions agreed by the parties.
 
PARAGRAPH.In those cases, in which it is not expressly agreed upon, the conditions of the contract shall be those of the policy or annex that the insurer has deposited at the Financial Superintendence of Colombia for the same line of business, coverage, modality of contract and type of risk.
ARTICLE 1048. ADDITIONAL DOCUMENTS THAT ARE PART OF THE POLICY. Are parts of the policy:
(1)
The insurance application form signed by the policyholder, and
 
(2)
The attachments that are issued to add, modify, suspend, renew or withdraw the policy.
 
PARAGRAPH. The policyholder may at any time require that the insurer, at his expense, give him a duly authorized copy of the application form and its annexes, as well as the documents evidencing the risk inspection.
 
7
ARTICLE 1058. DECLARATION OF THE STATE OF RISK AND SANCTIONS BY INACCURACY OR RETICENCE. The policyholder is obliged to declare truthfully the facts or circumstances that determine the situation of the risk, according to the questionnaire that is proposed by the insurer.The reticence or inaccuracy of facts or circumstances, which if known by the insurer have caused the contract withdrawal, or induced to stipulate more onerous conditions, result in the relative nullity of the insurance contract.
If the declaration is not made subject to a specific questionnaire, the reticence or inaccuracy produces the same effect if the policyholder has covered by fault, facts or circumstances that imply an objective aggravation of the state of the risk.
If the inaccuracy or reticence comes from the faultless error of the policyholder, the contract will not be void, but the insurer will only be obliged, in case of loss, to pay a percentage of the insured benefit equivalent to the rate or premium stipulated in the Contract that represents the rate or premium appropriate to the true state of the risk, except as provided in article 1160.
The penalties provided for in this article do not apply if the insurer, prior to the conclusion of the contract, has known or ought to have known the facts or circumstances that are related to the defects of the declaration, or if, after the conclusion of the contract, expressly or tacitly accepts them.
 
8
This is provided in article 1059 of the Commercial Code.
 
9
This is a free translation of a section of Decision No. 2001-01489, of the 14th of December 2011, in which the Colombian Supreme Court explained what happened while the Consumer Protection Law entered into force.
 
10
Jaramillo Salgado, Patricia. La Protección del consumidor de seguros en Colombia: antecedentes, evolución, retos y perspectivas. Universidad de los Andes de Chile, Sección Chilena de AIDA, 7 de junio de 2012.
Sanchez Guerrero (2016), pp. 17–58.
 
11
Supreme Court of Justice, SC 2803-2016, 4th of March 2016, Rad. n.° 2008-00034.01.
 
Literatur
Aanjo Mejia J (1997) C- 232 of 1997. Colombian Constitutional Court. 15h of May, 1997. Bogotá, Colombia
Bardey D. Asimetrias de información en los mercados de seguros: teoría y Evidencia. Revista Fasecolda. Bogotá, Colombia, pp 14–18
Chiappori P, Salanie B (2000) Testing for asymmetric information in insurance markets. J Polit Econ 108:56–78 (Chicago, Illinois, United States of America)CrossRef
Colombian Supreme Court of Justice, SC 2803-2016, 4th of March 2016, Rad. n.° 2008-00034.01. Bogotá, Colombia
Jaramillo Salgado P (2012) La Protección del consumidor de seguros en Colombia: antecedentes, evolución, retos y perspectivas. Universidad de los Andes de Chile, Sección Chilena de AIDA, 7 de junio de 2012, 1936. Judicial Magazine No. T:XLIV, No. 1920, Santiago, Chile, p 674
Lopez Blanco HF (2004) Comentarios al Contrato de Seguros. Dupré Editores Bogotá, 4ª Edición 2004. Bogotá, Colombia, pp 32–33, 71–76
Sanchez Guerrero D (2016) Measures for protecting the insurance consumer in contexts of liberalization of insurance markets. Revista Iberolatinoamericana de Seguros 45:17–58 (Bogotá, Colombia)
Spindler M (2011) Asymmetric information in the insurance markets: does this really exist? Insurance and Economics No. 64, July 2011. The Geneva Association, Geneva, Switzerland
Trejos SF (2005) Exp. 9559. Civil Law Chamber. Colombian Supreme Court 24th October 2005. Bogotá, Colombia
Metadaten
Titel
Transparency in the Insurance Contract Law of Colombia
verfasst von
Rebeca Herrera Díaz
Copyright-Jahr
2019
Verlag
Springer International Publishing
Buch
Transparency in Insurance Contract Law

Print ISBN: 978-3-030-31197-1

Electronic ISBN: 978-3-030-31198-8

Copyright-Jahr: 2019

DOI
https://doi.org/10.1007/978-3-030-31198-8_14

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