Keywords
Contract Readjustment
Misrepresentation
Nullity
Reduced Compensation
Risk Statement
How to Cite
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 modifications 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 effect 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 effect in all insurance classes -with the exception of marine insurance- can be both the rescission of the contract and its readjustment. As a differential 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 falsified circumstance. Finally, in all the legal regimes analyzed, in the event of fraudulent concealment, the effect is always and in all insurance classes, the relative nullity of the contract.
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