GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW) | ||||||
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11:12 Nov 14, 2007 |
English to Spanish translations [PRO] Law/Patents - Insurance | |||||||
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| Selected response from: Maria Garcia Local time: 06:25 | ||||||
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Summary of answers provided | ||||
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3 +1 | Asegurado principal ó Tomador Asegurado vs. Asegurado secundario ó Coasegurado |
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Discussion entries: 2 | |
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Asegurado principal ó Tomador Asegurado vs. Asegurado secundario ó Coasegurado Explanation: Hola Bernadette, Te incluyo una definición que encontré por ahí. Named Insured The party who contracts for insurance and who is named in the policy. 401 N.Y.S. 2d 374, 377. It sometimes happens that one who is a named insured has a claim in tort against another who is an additional insured under the policy. For example, the owner of an insured automobile may lend it to another whose operation of the vehicle injures the owner (the named insured). 197 N.E. 516. Fuente: http://www.answers.com/topic/named-insured-1?cat=biz-fin Lo he visto traducido como Asegurado Principal, aunque, con base en la definición que te he transcrito, yo casi optaría por distinguirlos como "tomador asegurado" (named insured) y "coasegurado" (insured). Como bien dices, qué lío. Saludos -------------------------------------------------- Note added at 10 mins (2007-11-14 11:23:20 GMT) -------------------------------------------------- http://insurance.cch.com/Rupps/named-insured.htm Otro link con más explicaciones sobre "named insured". Y un matiz que me olvidé. Tomador SOLO si tienes la certeza de que el named insured es quien contrata la póliza... -------------------------------------------------- Note added at 36 mins (2007-11-14 11:48:58 GMT) -------------------------------------------------- Lo del coasegurado lo puse para evitar matices de subsidiariedad. Según los datos que he encontrado, el insured es una persona asegurada igualmente y al mismo nivel que el named insured, y nunca con carácter subsidiario. Por eso se me ocurrió lo de "coasegurado", como "asegurado junto con el tomador". Aunque, pensándolo bien, creo que me quedo con asegurado secundario, que lo de coasegurado también puede dar lugar a confusión... -------------------------------------------------- Note added at 41 mins (2007-11-14 11:53:55 GMT) -------------------------------------------------- De hecho, ¿sabes qué te digo?? Insured = Asegurado adicional. Named Insured = Asegurado Principal. Y se evitan todo tipo de problemas. Mira otra definición: first named insured The party named first in the Declarations of an insurance policy. The first named insured has become significant in commercial insurance because the terms and conditions of the policy itself detail that many of the duties and obligations to the contract must be performed by, or are the responsibility of, the first named insured versus any or all named insureds. Additionally, the insurer has obligations, such as proper notice of cancellation or nonrenewal and return premium refund, that need go only to the first named insured. Fuente:http://www.ahtins.com/glossary/fff/f059.htm |
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