Análisis del riesgo y la prima en el seguro automotor durante la pandemia
The declaration of pandemic Covid-19 disease by the O.M.S forced several countries to adopt preventive measures of confinement in order to protect health and life; producing a strong impact on the global economy. Like the disease, fake news proliferated globally, spread in order to promote panic, co...
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Universidad Nacional de Rosario
2020
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| Acceso en línea: | https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/15 |
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I15-R198-article-152020-10-14T14:46:49Z Análisis del riesgo y la prima en el seguro automotor durante la pandemia Hernández, Joaquín Alberto Argentina Bases técnicas del Seguro Pandemia Prima Riesgo Seguro automotor Argentina Technical basis of insurance Pandemic Cousin Risk Automotive Insurance The declaration of pandemic Covid-19 disease by the O.M.S forced several countries to adopt preventive measures of confinement in order to protect health and life; producing a strong impact on the global economy. Like the disease, fake news proliferated globally, spread in order to promote panic, confusion or misconduct between the citizens; what motivated the O.M.S to alert about its harmful and naming this phenom as infodemic. Argentina, like many countries, adopted measures in favor of social confinement; these measures implied the reduction of social interaction and a significant drop in economic activity. The Argentine insurance market also suffered several impacts because of the pandemic and the harmful effects caused by the infodemic. In reference to the infodemic issue, there were two significative fake newe related to the pandemic and the auto insurance. The first one one tried to establish the idea that insurance companies will not cover the claims of policyholders who have violated the confinement. The second one, supported by the reason of having suffered an alleged decrease in risk during confinement, encouraged the policyholders to request mass discounts in the price of the insurance, and the insurers were accused of enriching without cause. In this article, we will analyze the characteristics of the risk and the premium in Argentine auto insurance, demonstrating that it has not existed a decrease of the risk during the confinement and which are the dangers and consequences of not observing the technical bases of the insurance contract. La declaración de pandemia de la enfermedad Covid-19 por la O.M.S obligó a numerosos países a adoptar medidas preventivas de confinamiento en miras de proteger la salud y la vida; produciéndose a su vez un fuerte impacto en la economía global.Al igual que la enfermedad, a nivel global proliferaron fake news, divulgadas con el fin de promover el pánico, confusión o conductas incorrectas entre los ciudadanos; motivando a la O.M.S a alertar sobre sus efectos perjudiciales, nombrando a este fenómeno como infodemia.Argentina, al igual que numerosos países, adoptó medidas en favor del confinamiento social que implicaron la reducción de la interacción social y una significativa caída de la actividad económica.El mercado asegurador argentino, no fue ajeno a los impactos sociales y económicos generados por la pandemia, como así tampoco a los nocivos efectos causados por infodemia.A través de una primera fakenews, se indicó que los aseguradores del ramo automotor no cubrirían los siniestros de asegurados que violen el confinamiento.Posteriormente, a través de otra, en razón de haberse producido una supuesta disminución del riesgo durante el confinamiento, se instó a los tomadores a solicitar masivamente descuentos en el precio del seguro, y se acusó a los aseguradores de haberse enriquecido sin causa.En el presente artículo analizaremos las características del riesgo y la prima en el seguro automotor, demostrando que no existió disminución del riesgo durante el confinamiento y los peligros que conllevan la inobservancia de las bases técnicas del contrato de seguro. Universidad Nacional de Rosario 2020-09-28 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/15 10.35305/iiata.v5i5.15 Informes de Investigacion. IIATA.; Vol. 5 Núm. 5 (2020); 129-146 2525-1023 spa https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/15/12 Derechos de autor 2020 Informes de Investigacion. IIATA. https://creativecommons.org/licenses/by-sa/4.0/ |
| institution |
Universidad Nacional de Rosario |
| institution_str |
I-15 |
| repository_str |
R-198 |
| container_title_str |
Informes de Investigación. IIATA. |
| language |
Español |
| format |
Artículo revista |
| topic |
Argentina Bases técnicas del Seguro Pandemia Prima Riesgo Seguro automotor Argentina Technical basis of insurance Pandemic Cousin Risk Automotive Insurance |
| spellingShingle |
Argentina Bases técnicas del Seguro Pandemia Prima Riesgo Seguro automotor Argentina Technical basis of insurance Pandemic Cousin Risk Automotive Insurance Hernández, Joaquín Alberto Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| topic_facet |
Argentina Bases técnicas del Seguro Pandemia Prima Riesgo Seguro automotor Argentina Technical basis of insurance Pandemic Cousin Risk Automotive Insurance |
| author |
Hernández, Joaquín Alberto |
| author_facet |
Hernández, Joaquín Alberto |
| author_sort |
Hernández, Joaquín Alberto |
| title |
Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| title_short |
Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| title_full |
Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| title_fullStr |
Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| title_full_unstemmed |
Análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| title_sort |
análisis del riesgo y la prima en el seguro automotor durante la pandemia |
| description |
The declaration of pandemic Covid-19 disease by the O.M.S forced several countries to adopt preventive measures of confinement in order to
protect health and life; producing a strong impact on the global economy.
Like the disease, fake news proliferated globally, spread in order to promote panic, confusion or misconduct between the citizens;
what motivated the O.M.S to alert about its harmful and naming this phenom as infodemic.
Argentina, like many countries, adopted measures in favor of social
confinement; these
measures implied the reduction of social interaction and a significant drop in economic activity.
The Argentine insurance market also suffered several impacts because of the pandemic and the harmful effects caused by the infodemic.
In reference to the infodemic issue, there were two significative fake newe related to the pandemic and the
auto insurance. The first one one tried to establish the idea that insurance companies will not cover the claims of policyholders who have violated the
confinement. The second one, supported by the reason of having suffered an alleged decrease in
risk during confinement, encouraged
the policyholders to request mass discounts in the price of the insurance, and the insurers were accused of enriching without cause. In this article, we will analyze the characteristics of the risk and the premium in Argentine auto insurance, demonstrating that it has not existed a decrease of the risk
during the confinement and which are the dangers and consequences
of not observing the technical bases of the insurance contract. |
| publisher |
Universidad Nacional de Rosario |
| publishDate |
2020 |
| url |
https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/15 |
| work_keys_str_mv |
AT hernandezjoaquinalberto analisisdelriesgoylaprimaenelseguroautomotordurantelapandemia |
| first_indexed |
2023-05-11T18:39:20Z |
| last_indexed |
2023-05-11T18:39:20Z |
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