named insured versus insured

Spanish translation: Asegurado principal (tomador) vs. Asegurado Adicional

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:named insured versus insured
Spanish translation:Asegurado principal (tomador) vs. Asegurado Adicional
Entered by: Maria Garcia

11:12 Nov 14, 2007
English to Spanish translations [PRO]
Law/Patents - Insurance
English term or phrase: named insured versus insured
named insured es la persona asegurada o cubierta por la póliza, pero entonces cuál es la diferencia en este contexto:

Subject to all of the terms and conditions of this insurance, the Company, at its discretion, will have the right but not the obligation to defend the insured. The Company may require the named insured to defend the insured. If the Company requires the named insured to defend the insured, then the name insured must select and retain the lawyer to represent the insured.

¡Qué lío! Gracias!!!
Bernadette Mora
Spain
Local time: 09:35
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

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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...

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Note added at 41 mins (2007-11-14 11:53:55 GMT)
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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
Selected response from:

Maria Garcia
Local time: 09:35
Grading comment
Gracias!!!
4 KudoZ points were awarded for this answer



Summary of answers provided
3 +1Asegurado principal ó Tomador Asegurado vs. Asegurado secundario ó Coasegurado
Maria Garcia


Discussion entries: 2





  

Answers


8 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +1
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

Maria Garcia
Local time: 09:35
Works in field
Native speaker of: Spanish
PRO pts in category: 48
Grading comment
Gracias!!!

Peer comments on this answer (and responses from the answerer)
agree  Margarita Ezquerra (Smart Translators, S.L.)
42 mins
  -> Gracias, Marga
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