Que Es Poliza Contractual Y Extracontractual

When it comes to insurance policies, there are two main types: contractual and extracontractual. Understanding the difference between the two can help you make informed decisions about your insurance coverage.

A contractual policy is one that is agreed upon by both the insurer and the insured. This type of policy is generally more common, as it is used for standard types of insurance such as homeowners’, auto, and health insurance. The terms and conditions of the policy are clearly laid out in a written contract, which both parties sign. This contract outlines the coverage limits, premiums, deductibles, and any other relevant details.

An extracontractual policy, on the other hand, is not a written agreement between the insurer and the insured. Instead, it is a legal obligation that arises as a result of a court ruling or other legal action. This type of policy is typically used in situations where there is no standard contract available, such as in cases involving product liability or environmental damage.

Extracontractual policies are often more expensive than contractual policies, since the insurer is taking on a greater risk of liability. They may also have more complex terms and conditions, as they are customized to fit specific legal requirements.

It is important to note that while extracontractual policies are less common than contractual policies, they can be very important in certain situations. For example, if you are involved in a lawsuit and you are found to be liable for damages, an extracontractual policy can help protect you financially.

In summary, a contractual policy is a standard insurance policy that is agreed upon by both the insurer and the insured, while an extracontractual policy is a legal obligation that arises as a result of a court ruling or other legal action. Both types of policies have their own advantages and disadvantages, so it is important to carefully consider your options before choosing an insurance policy.