Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos
In the legal microsystem of Insurance Law, a Special Insurance Marketing Regime is devised and regulated by our legislator, which establishes who are legitimized subjects that are able to commercialize the products. The requirements related to the intervention of legitimized subjects in the commerci...
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| Formato: | Artículo revista |
| Lenguaje: | Español |
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Universidad Nacional de Rosario
2021
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| Materias: | |
| Acceso en línea: | https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/43 |
| Aporte de: |
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I15-R198-article-43 |
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ojs |
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Universidad Nacional de Rosario |
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I-15 |
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R-198 |
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Informes de Investigación. IIATA. |
| language |
Español |
| format |
Artículo revista |
| topic |
Comercialización De Seguros Sujetos Legitimados Comercialización Electrónica Legislación Riesgos De Inobservancia risks of non-compliance Insurance commercialization Legitimized subjects Electronic commerce Legislation |
| spellingShingle |
Comercialización De Seguros Sujetos Legitimados Comercialización Electrónica Legislación Riesgos De Inobservancia risks of non-compliance Insurance commercialization Legitimized subjects Electronic commerce Legislation Hernández, Joaquín Alejandro Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| topic_facet |
Comercialización De Seguros Sujetos Legitimados Comercialización Electrónica Legislación Riesgos De Inobservancia risks of non-compliance Insurance commercialization Legitimized subjects Electronic commerce Legislation |
| author |
Hernández, Joaquín Alejandro |
| author_facet |
Hernández, Joaquín Alejandro |
| author_sort |
Hernández, Joaquín Alejandro |
| title |
Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| title_short |
Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| title_full |
Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| title_fullStr |
Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| title_full_unstemmed |
Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| title_sort |
comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos |
| description |
In the legal microsystem of Insurance Law, a Special Insurance Marketing Regime is devised and regulated by our legislator, which establishes who are legitimized subjects that are able to commercialize the products. The requirements related to the intervention of legitimized subjects in the commercialization of insurance, are born in the technical nature of the contract itself and the consequent need to ensure a correct formation of consent. For this, the insurer must comply with the duty of good faith from the pre-contractual stage, by observing the liability of informing the insurable subjects about the content and extension of the clauses of the contract from the moment before its perfection. Over the years and the evolution of the markets, some events such as the commercialization of products have necessarily tried to legally adapt to the insurance commercialization regime through some reprehensible and unconstitutional regulatory norms, increasing the spectrum of legitimized subjects that they lacked the characteristics of professionalism and qualification required by higher hierarchy norms for the fulfillment of the purpose. In order to the appearance of new forms of commercialization, the Civil and Commercial Code of the Nation implemented on August 1, 2015 has received new forms of expression of consent, foreseeng a protective regulation for contracts concluded between absentees and, especially , by electronic media; a situation that led certain voices in doctrine to affirm that the requirements of legitimized subjects for the insurance commercialization no longer had a reason to be, in order to de new normative. The present work, aims to provide some answers to the following questions: Has the Civil and Commercial Code of the Nation modified the legal microsystem of insurance law? Because of its implementation, has it growth the number of legitimate subjects for its commercialization? If this answer is “no”, is the protection granted by the new regulation sufficient to allow new market players to act? If insurance is commercialized through non-legitimized subjects, will they carry out the risks that could affect the insurance market? |
| publisher |
Universidad Nacional de Rosario |
| publishDate |
2021 |
| url |
https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/43 |
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AT hernandezjoaquinalejandro comercializaciondesegurosatravesdesujetosnolegitimadosescenarioderiesgos |
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2023-05-11T18:39:25Z |
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2023-05-11T18:39:25Z |
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I15-R198-article-432021-10-15T22:00:30Z Comercialización de seguros a través de sujetos no legitimados: : escenario de riesgos Hernández, Joaquín Alejandro Comercialización De Seguros Sujetos Legitimados Comercialización Electrónica Legislación Riesgos De Inobservancia risks of non-compliance Insurance commercialization Legitimized subjects Electronic commerce Legislation In the legal microsystem of Insurance Law, a Special Insurance Marketing Regime is devised and regulated by our legislator, which establishes who are legitimized subjects that are able to commercialize the products. The requirements related to the intervention of legitimized subjects in the commercialization of insurance, are born in the technical nature of the contract itself and the consequent need to ensure a correct formation of consent. For this, the insurer must comply with the duty of good faith from the pre-contractual stage, by observing the liability of informing the insurable subjects about the content and extension of the clauses of the contract from the moment before its perfection. Over the years and the evolution of the markets, some events such as the commercialization of products have necessarily tried to legally adapt to the insurance commercialization regime through some reprehensible and unconstitutional regulatory norms, increasing the spectrum of legitimized subjects that they lacked the characteristics of professionalism and qualification required by higher hierarchy norms for the fulfillment of the purpose. In order to the appearance of new forms of commercialization, the Civil and Commercial Code of the Nation implemented on August 1, 2015 has received new forms of expression of consent, foreseeng a protective regulation for contracts concluded between absentees and, especially , by electronic media; a situation that led certain voices in doctrine to affirm that the requirements of legitimized subjects for the insurance commercialization no longer had a reason to be, in order to de new normative. The present work, aims to provide some answers to the following questions: Has the Civil and Commercial Code of the Nation modified the legal microsystem of insurance law? Because of its implementation, has it growth the number of legitimate subjects for its commercialization? If this answer is “no”, is the protection granted by the new regulation sufficient to allow new market players to act? If insurance is commercialized through non-legitimized subjects, will they carry out the risks that could affect the insurance market? En el microsistema jurídico del Derecho del Seguro, se encuentra ideado y regulado por nuestro legislador un Régimen Especial de Comercialización de Seguros que establece quienes son sujetos legitimados para poder comercializar los productos. La exigencia respecto la intervención de sujetos legitimados en la comercialización de seguros surge de la propia naturaleza técnica del contrato y la consecuente necesidad de procurar una correcta formación del consentimiento; debiendo para ello el asegurador dar cumplimento al deber de buena fe desde etapa precontractual, mediante la observación de la carga de informar a los asegurables sobre el contenido y extensión de las cláusulas del contrato desde el momento previo a su perfeccionamiento. Con el devenir de los años y la consecuente evolución de los mercados, fenómenos tales como la comercialización masiva de productos han intentado forzosamente adaptarse jurídicamente al régimen de comercialización del seguro mediante el dictado de reprochables e inconstitucionales normas reglamentarias, ampliando así el espectro de sujetos legitimados que carecían de los caracteres de profesionalidad y habilitación exigidos por normas de superior jerarquía para la cumplimentación del mencionado fin. En función de la aparición de nuevas formas de comercialización, el Código Civil y Comercial de la Nación vigente a partir del 1º de Agosto de 2015 ha receptado nuevas formas de manifestación del consentimiento, previendo una regulación protectoria para los contratos celebrados entre ausentes y, especialmente, por medios electrónicos; situación que llevó a ciertas voces en doctrina a afirmar que la exigencia de sujetos legitimados para la comercialización de seguros ya no tenía razón de ser en función de la nueva normativa. En relación, el presente trabajo tiene como objetivo brindar respuesta a los siguientes interrogantes: ¿El Código Civil y Comercial de la Nación ha modificado el microsistema jurídico del derecho del seguro?. A raíz de su entrada en vigencia, ¿se ha ampliado el espectro de sujetos legitimados para su comercialización? De no haberlo realizado, ¿es suficiente con la protección otorgada por el nuevo ordenamiento para permitir la actuación de nuevos actores el mercado?. De comercializarse seguros a través de sujetos no legitimados, ¿cuáles son los riesgos que podrían afectar al mercado asegurador? Universidad Nacional de Rosario 2021-10-15 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/43 10.35305/iiata.v6i6.43 Informes de Investigacion. IIATA.; Vol. 6 Núm. 6 (2021); 159-169 2525-1023 spa https://ojs3.fcecon.unr.edu.ar/index.php/iiata/article/view/43/34 https://creativecommons.org/licenses/by-sa/4.0/ |