La obligación de información en el contrato de seguro : las objeciones deben ser serias y fundadas

Abstract

Through a systematic study of the commercial law under descriptive and prescriptive parameters, this paper aims to examine whether the insurer's objections to the direct claims should continue to be “serious” and “well-founded” in accordance with the Commerce Code and the Financial Consumer Statute of Colombia, based on the basis that those words were repealed of numeral 3 of article 1053 of the Commerce Code by Law 1564 of 2012.

With which, in the development of the thesis, the reader will find a coherent exposition of the rules that systematize the duty of contractual information, the principle of good faith and the duty of vigilance of the Superintendencia Financiera, to conclude that it is not necessary revive the rule of article 80 of Law 45 of 1990 by which the objection formula was qualified, because the insurer's opposition must always be serious and well-founded, under penalty of paying compensation, primarily, or being fined, subsidiary.