[et_pb_section fb_built=\u00bb1″ admin_label=\u00bbHero\u00bb _builder_version=\u00bb4.22.1″ background_color=\u00bb#9b9b9b\u00bb background_enable_image=\u00bboff\u00bb custom_margin=\u00bb||||false\u00bb custom_padding=\u00bb8vw||3vw||false|false\u00bb da_disable_devices=\u00bboff|off|off\u00bb global_colors_info=\u00bb{}\u00bb da_is_popup=\u00bboff\u00bb da_exit_intent=\u00bboff\u00bb da_has_close=\u00bbon\u00bb da_alt_close=\u00bboff\u00bb da_dark_close=\u00bboff\u00bb da_not_modal=\u00bbon\u00bb da_is_singular=\u00bboff\u00bb da_with_loader=\u00bboff\u00bb da_has_shadow=\u00bbon\u00bb][et_pb_row column_structure=\u00bb2_3,1_3″ _builder_version=\u00bb4.22.1″ custom_margin=\u00bb9px||||false|false\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″][et_pb_column type=\u00bb2_3″ _builder_version=\u00bb4.16″ custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.22.1″ text_font=\u00bb||||||||\u00bb header_font=\u00bbRoboto|700|||||||\u00bb header_font_size=\u00bb64px\u00bb header_line_height=\u00bb1.1em\u00bb background_layout=\u00bbdark\u00bb max_width=\u00bb800px\u00bb custom_margin=\u00bb||0px|\u00bb custom_padding=\u00bb|||16px\u00bb text_font_size_tablet=\u00bb14px\u00bb text_font_size_last_edited=\u00bboff|desktop\u00bb header_font_size_tablet=\u00bb44px\u00bb header_font_size_phone=\u00bb32px\u00bb header_font_size_last_edited=\u00bbon|phone\u00bb border_color_all=\u00bb#007d83″ border_width_left=\u00bb10px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=\u00bb4.22.1″ text_font=\u00bbRoboto||||||||\u00bb text_font_size=\u00bb22px\u00bb text_line_height=\u00bb1.6em\u00bb header_font=\u00bb||||||||\u00bb background_layout=\u00bbdark\u00bb max_width=\u00bb800px\u00bb custom_margin=\u00bb1px||||false|false\u00bb custom_padding=\u00bb20px||20px||true\u00bb hover_enabled=\u00bb0″ text_font_size_tablet=\u00bb18px\u00bb text_font_size_phone=\u00bb\u00bb text_font_size_last_edited=\u00bbon|phone\u00bb global_colors_info=\u00bb{}\u00bb content_last_edited=\u00bbon|phone\u00bb content_phone=\u00bb<\/p>\n
El fraude es toda acci\u00f3n u omisi\u00f3n tendiente <\/span><\/strong>a obtener ileg\u00edtimamente un beneficio<\/span><\/strong><\/p>\n \u00bb sticky_enabled=\u00bb0″ content_tablet=\u00bb<\/p>\n El fraude es toda acci\u00f3n u omisi\u00f3n tendiente \u00ab]<\/p>\n El fraude es toda acci\u00f3n u omisi\u00f3n tendiente [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3″ _builder_version=\u00bb4.16″ custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||0px|||\u00bb da_disable_devices=\u00bboff|off|off\u00bb global_colors_info=\u00bb{}\u00bb da_is_popup=\u00bboff\u00bb da_exit_intent=\u00bboff\u00bb da_has_close=\u00bbon\u00bb da_alt_close=\u00bboff\u00bb da_dark_close=\u00bboff\u00bb da_not_modal=\u00bbon\u00bb da_is_singular=\u00bboff\u00bb da_with_loader=\u00bboff\u00bb da_has_shadow=\u00bbon\u00bb][et_pb_row _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4″ _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_button button_text=\u00bb \u00bb button_alignment=\u00bbright\u00bb module_id=\u00bbboton-flotante\u00bb module_class=\u00bbboton-flotante\u00bb _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb20px\u00bb button_text_color=\u00bb#ffffff\u00bb button_bg_color=\u00bb#e9530d\u00bb button_border_width=\u00bb2px\u00bb button_border_radius=\u00bb78px\u00bb button_letter_spacing=\u00bb0px\u00bb button_icon=\u00bb:||divi||400″ button_icon_color=\u00bb#ffffff\u00bb button_icon_placement=\u00bbleft\u00bb button_on_hover=\u00bboff\u00bb positioning=\u00bbfixed\u00bb z_index=\u00bb0″ custom_margin=\u00bb6px|-149px|5px|-19px|false|false\u00bb custom_padding=\u00bb31px|7px|63px|38px|false|false\u00bb box_shadow_style=\u00bbpreset2″ global_colors_info=\u00bb{}\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ custom_padding_last_edited=\u00bboff|desktop\u00bb admin_label=\u00bbHeader\u00bb _builder_version=\u00bb4.16″ _module_preset=\u00bbdefault\u00bb background_enable_color=\u00bboff\u00bb background_enable_image=\u00bboff\u00bb min_height=\u00bb446px\u00bb overflow-x=\u00bbhidden\u00bb overflow-y=\u00bbhidden\u00bb custom_padding=\u00bb||2px|||\u00bb custom_padding_phone=\u00bb60px||0px||false|false\u00bb da_disable_devices=\u00bboff|off|off\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb da_is_popup=\u00bboff\u00bb da_exit_intent=\u00bboff\u00bb da_has_close=\u00bbon\u00bb da_alt_close=\u00bboff\u00bb da_dark_close=\u00bboff\u00bb da_not_modal=\u00bbon\u00bb da_is_singular=\u00bboff\u00bb da_with_loader=\u00bboff\u00bb da_has_shadow=\u00bbon\u00bb][et_pb_row column_structure=\u00bb1_2,1_2″ _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb max_width=\u00bb1481px\u00bb custom_margin=\u00bb-7px||12px|214px|false|false\u00bb custom_padding=\u00bb||56px|0px||\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″ custom_margin_last_edited=\u00bbon|phone\u00bb custom_margin_phone=\u00bb-7px||12px|40px|false|false\u00bb custom_margin_tablet=\u00bb-7px||12px|214px|false|false\u00bb][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.16″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb text_font=\u00bbRoboto|700|||||||\u00bb text_text_color=\u00bb#6B6B6B\u00bb text_font_size=\u00bb30px\u00bb text_line_height=\u00bb1.2em\u00bb header_font=\u00bbRoboto|700|||||||\u00bb header_text_color=\u00bb#474747″ header_font_size=\u00bb19px\u00bb min_height=\u00bb83px\u00bb custom_margin=\u00bb-6px||-12px||false|false\u00bb custom_padding=\u00bb|0px|43px|0px||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n Procesos de disuasi\u00f3n, prevenci\u00f3n y detecci\u00f3n<\/span><\/b><\/p>\n [\/et_pb_text][et_pb_text _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb text_text_color=\u00bb#606060″ text_font_size=\u00bb15px\u00bb custom_padding=\u00bb|56px||||\u00bb hover_enabled=\u00bb0″ global_colors_info=\u00bb{}\u00bb sticky_enabled=\u00bb0″]<\/p>\n De acuerdo con la Resoluci\u00f3n N\u00b0 38.477 de la Superintendencia de Seguros de la Naci\u00f3n, el fraude es toda acci\u00f3n u omisi\u00f3n tendiente a obtener ileg\u00edtimamente un beneficio por parte de los asegurados, terceros, agentes de seguros, talleres, m\u00e9dicos, abogados, proveedores y empleados, as\u00ed como otros profesionales que intervengan en ocasi\u00f3n de la contrataci\u00f3n, emisi\u00f3n y\/o contabilizaci\u00f3n de un seguro, o en la producci\u00f3n, comunicaci\u00f3n, intervenci\u00f3n y\/o reparaci\u00f3n de un siniestro.<\/p>\n Es un delito penado legal, \u00e9tica y socialmente, por cuanto causa da\u00f1os a toda la comunidad. En materia de seguros, esto afecta a la actividad tanto en lo econ\u00f3mico como en lo \u00e9tico, el impacto m\u00e1s visible es el incremento del costo de la prima perjudicando a los asegurados.<\/p>\n Por tal motivo, en Caja Popular de Ahorros de la Provincia de Tucuman, adherimos y encomendamos las recomendaciones plasmadas en el anexo IV, en cumplimiento de la Resoluci\u00f3n N\u00ba 38.477, para evitar que voluntaria o involuntariamente se contribuya a cometer una maniobra fraudulenta:<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_2″ _builder_version=\u00bb4.16″ _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.22.1″ _module_preset=\u00bbdefault\u00bb width=\u00bb100%\u00bb custom_margin=\u00bb64px|||-4px|false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n Gu\u00eda de recomendaciones:<\/span><\/b><\/p>\n 1-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>Nunca firmes formularios de reclamos o de denuncias, en blanco.<\/p>\n 2-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>No aceptes dinero, ni tampoco suscribir documentos, acordar apoderamientos cuando no se comprenden los alcances y efectos de \u00e9stos. Tampoco reconozcas hechos falaces o de irreal ocurrencia, y no aceptes asistencia letrada de terceros desconocidos.<\/p>\n 3-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>En el caso de cosas, no modifiques ni agraves su estado (con excepci\u00f3n de la medida de salvamento) para exagerar fraudulentamente los da\u00f1os.<\/p>\n 4-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>Nunca simules o tergiverses actos personales, temporales, de lugar, da\u00f1os totales o parciales de un siniestro, pues todas \u00e9stas, son formas de fraudes muy comunes que lamentablemente muchas veces se toman de forma natural, sin comprender la gravedad que conllevan. Del mismo modo, las declaraciones falsas pueden hacer nulo el contrato con consecuencias de actitud dolosa o de mala fe.<\/p>\n 5-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>Evit\u00e1 siempre colaborar o involucrarte con una maniobra de fraude.<\/p>\n 6-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>Nunca compartas los datos de tus p\u00f3lizas con terceros si no existe una causa justificada.<\/p>\n 7-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>No modifiques ni simules hechos que modifiquen la real ocurrencia de un siniestro.<\/p>\n 8-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>Frente a siniestros de extra\u00f1a ocurrencia, donde se ven involucrados terceros en bicicletas, motos o peatones, cuyas circunstancias no sean claras en su ocurrencia, tom\u00e1 todos los recaudos. Es importante obtener datos de testigos reales, pruebas mediante fotograf\u00edas, filmaciones de las circunstancias del siniestro para que las mismas no sean distorsionadas.<\/p>\n 9-\u00a0\u00a0\u00a0\u00a0\u00a0<\/span>La mejor respuesta frente a una duda o eventualidad te la brindar\u00e1 la aseguradora.<\/p>\n 10-\u00a0 \u00a0En caso de siniestro hac\u00e9 la denuncia a tu aseguradora y solicit\u00e1 el n\u00famero de siniestro asignado.<\/p>\n 11-\u00a0 \u00a0\u00a0<\/span>Si sufriste el robo de tu veh\u00edculo o tuviste un siniestro que caus\u00f3 lesiones, deber\u00e1s reportarlo a las autoridades policiales y realizar la denuncia correspondiente.<\/p>\n 12-\u00a0\u00a0 \u00a0<\/span>Record\u00e1 que no est\u00e1 prohibido asegurar el mismo inter\u00e9s y el mismo riesgo en varias aseguradoras, pero en caso de siniestro deber\u00e1s notificar a todas las aseguradoras involucradas, asimismo la indemnizaci\u00f3n no podr\u00e1 superar el monto del da\u00f1o sufrido, como as\u00ed tampoco podr\u00e1s cobrar un siniestro que ya fue reparado por otra aseguradora.<\/p>\n 13-\u00a0 \u00a0<\/span>El pago de la cuota del seguro, solo se gestiona por los canales habilitados por tu Aseguradora o tu Productor Asesor de Seguros.<\/p>\n 14-\u00a0 \u00a0<\/span>No adquieras repuestos o autopartes de dudosa procedencia. En el caso de recurrir a desarmaderos verific\u00e1 que \u00e9stos sean legalmente regulados y que los productos est\u00e9n debidamente certificados e identificados.<\/p>\n 15-\u00a0 \u00a0<\/span>La compra de veh\u00edculos, debe siempre cumplir con los requisitos legales y sin faltantes de t\u00edtulo automotor, libre deuda o verificaci\u00f3n policial, el no cumplimiento puede devenir en un delito grave. Record\u00e1 realizar la trasferencia del automotor vendido o comprado.<\/p>\n 16-\u00a0 \u00a0<\/span>Adquir\u00ed bienes solo en comercios que te entreguen facturas de compra.<\/p>\n \n \n Entre todos podemos prevenir el fraude.<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1″ use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb1″ specialty=\u00bbon\u00bb background_color_1=\u00bb#007d83″ padding_top_1=\u00bb80px\u00bb padding_right_1=\u00bb6vw\u00bb padding_bottom_1=\u00bb80px\u00bb padding_left_1=\u00bb6vw\u00bb padding_top_bottom_link_1=\u00bbtrue\u00bb padding_left_right_link_1=\u00bbtrue\u00bb padding_1_tablet=\u00bb|10%||10%||true\u00bb padding_1_phone=\u00bb\u00bb padding_1_last_edited=\u00bbon|phone\u00bb admin_label=\u00bbFooter Section\u00bb module_class=\u00bb et_pb_specialty_fullwidth\u00bb _builder_version=\u00bb4.22.1″ inner_width=\u00bb100%\u00bb inner_width_tablet=\u00bb100%\u00bb 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<\/span><\/strong>a obtener ileg\u00edtimamente un beneficio<\/span><\/strong><\/p>\n
<\/span><\/strong>a obtener ileg\u00edtimamente un beneficio<\/span><\/strong><\/p>\nContacto<\/h2>\n