{"id":23883,"date":"2021-12-16T15:26:50","date_gmt":"2021-12-16T14:26:50","guid":{"rendered":"https:\/\/www.mgc.es\/?p=23883"},"modified":"2022-03-29T13:15:50","modified_gmt":"2022-03-29T11:15:50","slug":"que-es-la-concurrencia-dassegurances","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/","title":{"rendered":"Qu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/#%C2%BFQue_es_la_concurrencia_dassegurances\" >\u00bfQu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/#Exemples_de_concurrencia_dassegurances\" >Exemples de concurr\u00e8ncia d&#8217;assegurances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/#Com_evitar_la_concurrencia_dassegurances\" >Com evitar la concurr\u00e8ncia d&#8217;assegurances<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-880x587.jpg\" alt=\"concurrencia de seguros que es\" class=\"wp-image-23872\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-1536x1024.jpg 1536w, https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es-2048x1365.jpg 2048w, https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es.jpg 1024w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<p>La concurr\u00e8ncia d&#8217;assegurances implica que diverses companyies asseguradores cobreixen el mateix objecte. Una situaci\u00f3 m\u00e9s habitual del que sembla i que pot representar una sobre compensaci\u00f3 per a la persona benefici\u00e0ria. En aquest article coneixerem alguns exemples que poden tenir lloc i com s&#8217;actua davant ells.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_la_concurrencia_dassegurances\"><\/span><a><\/a>\u00bfQu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Abans d&#8217;entrar en els casos que poden plantejar-se, \u00e9s convenient comprendre qu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances. Es tracta d&#8217;aquella situaci\u00f3 que es produeix quan, despr\u00e9s de succeir un sinistre, existeixen diverses p\u00f2lisses d&#8217;asseguran\u00e7a que cobreixen l&#8217;objecte en q\u00fcesti\u00f3 en el mateix per\u00edode de temps.<\/p>\n\n\n\n<p>La problem\u00e0tica a la qual dona lloc ve a ser que la compensaci\u00f3 total que rebria la persona benefici\u00e0ria de l&#8217;asseguran\u00e7a seria superior al valor real que tingu\u00e9s l&#8217;objecte cobert, ja que no cobraria una \u00fanica indemnitzaci\u00f3, sin\u00f3 v\u00e0ries. Dit d&#8217;una altra manera, s&#8217;estaria lucrant a costa de les companyies asseguradores.<\/p>\n\n\n\n<p>Encara que pugui semblar que es tracta d&#8217;una situaci\u00f3 an\u00f2mala, la veritat \u00e9s que \u00e9s m\u00e9s freq\u00fcent del que es creu. Per aquest motiu, existeix una forma de conducta en aquests casos i que veurem m\u00e9s endavant a trav\u00e9s dels exemples. Malgrat aix\u00f2, i per a evitar possibles confusions, la concurr\u00e8ncia d&#8217;assegurances en la Llei del Contracte d&#8217;Assegurances es diferencia de l&#8217;anomenada coasseguran\u00e7a.<\/p>\n\n\n\n<p>En aquesta, s\u00ed que existeixen diversos contractes que versen sobre el mateix objecte en un per\u00edode de temps determinat. Per\u00f2 hi ha un repartiment de quotes, i del risc, entre les diferents asseguradores en un acord previ de responsabilitat solid\u00e0ria entre aquestes i la persona prenedora. Aix\u00ed, cada asseguradora tindria \u00fanicament l&#8217;obligaci\u00f3 de pagar una indemnitzaci\u00f3 per la part proporcional de la seva quota. La suma de totes elles no supera mai el valor de l&#8217;objecte.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Exemples_de_concurrencia_dassegurances\"><\/span><a><\/a>Exemples de concurr\u00e8ncia d&#8217;assegurances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>La concurr\u00e8ncia d&#8217;assegurances pot donar-se en diferents situacions. Perqu\u00e8 s&#8217;entengui millor en qu\u00e8 consisteix, veurem alguns exemples. En primer lloc, imaginem que una fam\u00edlia t\u00e9 tres assegurances diferents per a la seva llar. El valor d&#8217;aquest \u00e9s de 200.000 \u20ac; simes no, els l\u00edmits contractats per cada p\u00f2lissa s\u00f3n de 100.000 \u20ac, 75.000 \u20ac i 50.000 \u20ac. El percentatge que correspondria a cada asseguradora seria de 50%, 37,5% i 25%.<\/p>\n\n\n\n<p>En cas de produir-se el sinistre, la quantitat total a percebre pels l\u00edmits establerts en cadascuna ascendiria a 225.000 \u20ac, la qual cosa \u00e9s un import m\u00e9s elevat que el valor real que t\u00e9 l&#8217;habitatge. La persona benefici\u00e0ria estaria obtenint un benefici de 25.000 \u20ac a trav\u00e9s de l&#8217;asseguran\u00e7a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Com_evitar_la_concurrencia_dassegurances\"><\/span><a><\/a>Com evitar la concurr\u00e8ncia d&#8217;assegurances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Per a evitar que es produeixin aquestes situacions que suposen un frau en la concurr\u00e8ncia d&#8217;assegurances, quan existeixen diverses asseguradores, s&#8217;estableix que cadascuna pagar\u00e0 \u00fanicament la part proporcional que li correspon de l&#8217;objecte sense que se superi el valor d&#8217;aquest. Perqu\u00e8 pugui ser aix\u00ed, la persona assegurada ha d&#8217;informar les diferents companyies de l&#8217;exist\u00e8ncia de la concurr\u00e8ncia d&#8217;assegurances. En cas contrari, no hi ha una obligaci\u00f3 a pagar les indemnitzacions.<\/p>\n\n\n\n<p>Si tornem a l&#8217;exemple anterior, el repartiment entre els l\u00edmits contractats hauria de ser, per donar unes xifres aleat\u00f2ries, de la seg\u00fcent manera: la primera p\u00f2lissa de 100.000 \u20ac i la segona i la tercera de 50.000 \u20ac. Aix\u00ed, el percentatge a cobrir per cadascuna seria 50%, 25% i 25%, respectivament. Si es produ\u00eds un sinistre amb danys per valor de 100.000 \u20ac, les indemnitzacions serien de 50.000 \u20ac, 25.000 \u20ac i 25.000 \u20ac.<\/p>\n\n\n\n<p>Aix\u00f2 significa que la persona assegurada ha de procedir amb les comunicacions respectives a cadascuna de les seves asseguradores perqu\u00e8 paguin la seva part proporcional. En realitzar-se les indemnitzacions, mai se superar\u00e0 el capital assegurat o el valor de l&#8217;objecte en si mateix, que seria l&#8217;habitatge.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfI si no es tracta d&#8217;un b\u00e9 material?<\/h3>\n\n\n\n<p>Per\u00f2, qu\u00e8 passa quan no es tracta d&#8217;un b\u00e9 material? Per exemple, les assegurances de vida. Quin valor se li donaria en aquest cas a la vida d&#8217;una persona? Com que no \u00e9s possible donar-li un valor a aquesta p\u00e8rdua en produir-se un accident o la defunci\u00f3 quan hi ha diferents p\u00f2lisses, la benefici\u00e0ria s\u00ed que cobraria l&#8217;import \u00edntegre de totes les indemnitzacions que hi hagi pendents, sense que hi hagi una quantitat l\u00edmit.<\/p>\n\n\n\n<p>Una altra situaci\u00f3 similar que pot donar-se \u00e9s amb l&#8217;<a href=\"https:\/\/www.mgc.es\/ca\/decessos\/\" target=\"_blank\" rel=\"noreferrer noopener\">asseguran\u00e7a de decessos<\/a>. Aquesta consisteix en la prestaci\u00f3 dels serveis funeraris. Si la persona que ha mort tingu\u00e9s contractat m\u00e9s d&#8217;una asseguran\u00e7a d&#8217;aquest tipus, nom\u00e9s una de les companyies podr\u00e0 fer-se c\u00e0rrec d&#8217;aquests serveis. Pel que fa a l&#8217;altra asseguradora, com que no hagu\u00e9s complert amb la seva obligaci\u00f3, estaria obligada a pagar a les persones hereves la suma que qui va morir havia assegurat.<\/p>\n\n\n\n<p>D&#8217;aquesta manera, cada companyia es fa responsable de la seva part, per\u00f2 sempre de manera proporcional i respectant b\u00e9 els l\u00edmits del valor de l&#8217;objecte o el que s&#8217;estableix en el contracte.<\/p>\n\n\n\n<p>Si est\u00e0s pensant a contractar una asseguran\u00e7a, et proposem que li donis un cop d&#8217;ull a les assegurances de MGC <a href=\"http:\/\/www.mgc.es\/ca\/\" target=\"_blank\" rel=\"noreferrer noopener\">M\u00fatua <\/a>on podr\u00e0s trobar m\u00faltiples opcions i con\u00e8ixer al detall totes les nostres p\u00f2lisses i condicions exactes de les nostres assegurances.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La concurr\u00e8ncia d&#8217;assegurances implica que diverses companyies asseguradores cobreixen el mateix objecte. Una situaci\u00f3 m\u00e9s habitual del que sembla i que pot representar una sobre compensaci\u00f3 per a la persona benefici\u00e0ria. En aquest article coneixerem alguns exemples que poden tenir lloc i com s&#8217;actua davant ells. \u00bfQu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances? Abans d&#8217;entrar en els [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":23872,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-23883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es.jpg","author_info":{"display_name":"Revista Inter\u00e8s Mutu","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/interesmutu\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e8 \u00e9s la concurr\u00e8ncia d&#039;assegurances? - MGC M\u00fatua<\/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:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 \u00e9s la concurr\u00e8ncia d&#039;assegurances? - MGC M\u00fatua\" \/>\n<meta property=\"og:description\" content=\"La concurr\u00e8ncia d&#8217;assegurances implica que diverses companyies asseguradores cobreixen el mateix objecte. Una situaci\u00f3 m\u00e9s habitual del que sembla i que pot representar una sobre compensaci\u00f3 per a la persona benefici\u00e0ria. En aquest article coneixerem alguns exemples que poden tenir lloc i com s&#8217;actua davant ells. \u00bfQu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances? Abans d&#8217;entrar en els [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/\" \/>\n<meta property=\"og:site_name\" content=\"MGC M\u00fatua\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/mgcmutua\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-16T14:26:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-29T11:15:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/concurrencia-de-seguros-que-es.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Revista Inter\u00e8s Mutu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mgcmutua\" \/>\n<meta name=\"twitter:site\" content=\"@mgcmutua\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Revista Inter\u00e8s Mutu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuts\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Qu\u00e8 \u00e9s la concurr\u00e8ncia d'assegurances? - MGC M\u00fatua","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mgc.es\/ca\/blog\/que-es-la-concurrencia-dassegurances\/","og_locale":"ca_ES","og_type":"article","og_title":"Qu\u00e8 \u00e9s la concurr\u00e8ncia d'assegurances? - MGC M\u00fatua","og_description":"La concurr\u00e8ncia d&#8217;assegurances implica que diverses companyies asseguradores cobreixen el mateix objecte. Una situaci\u00f3 m\u00e9s habitual del que sembla i que pot representar una sobre compensaci\u00f3 per a la persona benefici\u00e0ria. En aquest article coneixerem alguns exemples que poden tenir lloc i com s&#8217;actua davant ells. \u00bfQu\u00e8 \u00e9s la concurr\u00e8ncia d&#8217;assegurances? 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