Análisis sobre los riesgos que causan los sobre seguros en la contratación de pólizas.

Abstract

An analysis was carried out on the non-legal figure called overinsurance in the policies issued by insurance companies, through the collection of information on the administration of insurance in order to understand legal causes and consequences for the insured. The qualitative inductive descriptive method was used to perform this work by collecting information from scientific articles, legal documents to be able to conceptualize the most relevant aspects in terms of insurance, its types, insurance policies and overinsurance. It was determined that the overinsurance is a non-legal figure with damage to the insured because I cancel high values in the premiums and did not receive the true value for which I insure the good. The amount of compensation and the percentage of over-insurance were calculated in a practical example of a policy estimating increases in overvaluation in numbers and percentages.