Acción directa del beneficiario en el seguro de responsabilidad civil médico - propuesta de un nuevo modelo del seguro de responsabilidad civil frente a la mala práctica médica

摘要

The Ecuadorian legislation establishes that the civil liability insurance will cover any loss that the insured is obligated to compensate when a third party has been affected. In this case the insurer is compelled to pay the amount of the loss suffered by the insured after he pays to the aggrieved party. Nevertheless, our legislation does not regulate the professional liability insurance. What this works stands for is the possibility for the aggrieved party to claim damages from the insurance company and not from the insured without the obligation to stand a legal proceeding before making the claim.