Análisis del riesgo y la prima en el seguro automotor durante la pandemia

Abstract

The declaration of pandemic Covid-19 disease by the O.M.S forced several countries to adopt preventive measures of confinement in order to protect health and life; producing a strong impact on the global economy. Like the disease, fake news proliferated globally, spread in order to promote panic, confusion or misconduct between the citizens; what motivated the O.M.S to alert about its harmful and naming this phenom as infodemic. Argentina, like many countries, adopted measures in favor of social confinement; these measures implied the reduction of social interaction and a significant drop in economic activity. The Argentine insurance market also suffered several impacts because of the pandemic and the harmful effects caused by the infodemic. In reference to the infodemic issue, there were two significative fake newe related to the pandemic and the auto insurance. The first one one tried to establish the idea that insurance companies will not cover the claims of policyholders who have violated the confinement. The second one, supported by the reason of having suffered an alleged decrease in risk during confinement, encouraged the policyholders to request mass discounts in the price of the insurance, and the insurers were accused of enriching without cause. In this article, we will analyze the characteristics of the risk and the premium in Argentine auto insurance, demonstrating that it has not existed a decrease of the risk during the confinement and which are the dangers and consequences of not observing the technical bases of the insurance contract.