Efectos del incumplimiento del deber de declaración del riesgo: particularidades del régimen legal argentino y su cotejo con los sistemas uruguayo y chileno
Autor | Carlos José María Federik |
Cargo | Abogado egresado de la Facultad de Ciencias Jurídicas y Sociales de la Universidad Nacional del Litoral -U.N.L.- de Santa Fe |
Páginas | 97-120 |
ISSN 0123-1154 (IMPRESO)
ISSN 2500-7556 (EN LÍNEA)
Rev.Ibero-Latinoam.Seguros, Bogotá (Colombia), vol. 31 (57): 97-120, julio-diciembre de 2022
EFECTOS DEL INCUMPLIMIENTO DEL DEBER
DE DECLARACIÓN DEL RIESGO: PARTICULARIDADES
DEL RÉGIMEN LEGAL ARGENTINO Y SU COTEJO CON LOS
SISTEMAS URUGUAYO Y CHILENO*
EFFECTS OF THE BREACH AT THE RISK DECLARATION
DUTY: PECULIARITIES OF THE ARGENTINE LEGAL REGIME
AND ITS COMPARISON WITH THE URUGUAYAN AND
CHILEAN SYSTEMS
CARLOS JOSÉ MARÍA FEDERIK**
Fecha de recepción: 13 de octubre de 2022
Fecha de aceptación: 30 de octubre de 2022
Disponible en línea: 30 de diciembre de 2022
Para citar este artículo/To cite this article
F, Carlos José María. Efectos del incumplimiento del deber de declaración del riesgo:
Particularidades del régimen legal argentino y su cotejo con los sistemas uruguayo y chileno, 57
Rev.Ibero–Latinoam.Seguros, 97-120 (2022). https://doi.org/10.11144/Javeriana.ris57.eidr
doi:10.11144/Javeriana.ris57.eidr
*
**
caRlos josé maRía fedeRik
Rev.Ibero-Latinoam.Seguros, Bogotá (Colombia), vol. 31 (57): 9-11, julio-diciembre de 2022
98
RESUMEN
Palabras clave:
ABSTRACT
The institute of concealment (or misrepresentation) is analyzed from the
point of view of the Argentine legal regime, making a comparison with the
Uruguayan and Chilean systems, since they have received modications in the
last 10 years. The Uruguayan regime is the most severe of all for the insured.
In Argentina, in the case of faulty concealment, the eect caused by the false
or inaccurate risk statement is, in principle, the relative nullity of the contract,
unless the insurer opts for readjustment. On the other hand, in life insurance,
if certain conditions are met, this readjustment can be imposed on the insurer.
In Chile, on the contrary, the eect in all insurance classes –with the exception
of marine insurance– can be both the rescission of the contract and its
readjustment. As a dierential nuance, both in Argentina and Uruguay, and
as a kind of counterweight in favor for the insured, the need for the insurer to
produce an expert report is established, aimed to accrediting the requirement of
the transcendence or relevance of the omitted or falsied circumstance. Finally,
in all the legal regimes analyzed, in the event of fraudulent concealment, the
eect is always and in all insurance classes, the relative nullity of the contract.
Keywords: Concealment; Contract Readjustment; Misrepresentation; Nullity;
Reduced Compensation; Risk Statement.
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