It is intended that through the study and analysis of the problems and difficulties that arise around this type of insurance, we find solutions that benefit those involved in the sector; facilitating in turn that the insurance meets the function of protecting and safeguarding assets.

The issue is addressed considering the following: Coverage for non-pecuniary damages. Exclusion from gross negligence of the insured. Thesis of direct responsibility of the insured in cases of fraud of the dependent. Transference of the intent of the insured to the dependent legal person. Types of temporary delimitation of coverage. Limitation of actions of insurance in all three types of temporary delimitation of coverage. Term of limitation for tort action. Granting RC Patronal coverage in excess of social security benefits. Requirement that the relevant event is accidental, sudden and unexpected. Arbitration or arbitration clause. Low sub-limits when a different coverage limit is established for basic protection. Need to prove the liability of the insured in cases where the law establishes special procedures, when direct action against the insurer is exercised. Defense spending. Moment from which is enforceable the obligation of the insurer.