- Início
- Livros E Revistas
- A Defesa do Fornecedor Comerciante. Antídotos para a Indústria Das Indenizações
Do Litisconsórcio Unitário com Seguradoras
Autor | Pedro Ribeiro do Val Neto |
Páginas | 35-38 |
Page 35
De regra, as grandes empresas contratam seguro contra riscos por danos materiais e morais, em cuja apólice existe cláusula impedindo o segurado de fazer acordos sem a participação da seguradora. A indústria das indenizações, receosa do profundo conhecimento sobre responsabili-dade civil detida pelos causídicos que assistem as seguradoras, sempre repelem a participação destas últimas no processo, o que estranhamente é agasalhado por muitos magistrados.
O Código de Processo Civil estabelece a tanto a obrigatoriedade (unitariedade) da litisdenunciação, como o prazo para ser feita: “Art. 70. A denunciação da lide é obrigatória: ... III – àquele que estiver obrigado, pela lei ou pelo contrato, a indenizar, em ação regressiva, o prejuízo do que perder a demanda. Art. 71. A citação do denunciado será requerida... no prazo para contestar, se o denunciante for o réu.
A participação da seguradora como litisconsorte em ação indenizatória é considerada pelo novo Código Civil ao cuidar da prescrição: “Art. 206. Prescreve: § 1º Em 1 (um) ano ... II – a pretensão do segurado contra o segurador... contado o prazo: a) para o segurado, no caso de seguro de responsabilidade civil, da data em que é citado para responder à ação de indenização proposta pelo terceiro prejudicado, ou da data em que este indeniza, com anuência do segurador”.
Estas circunstâncias legisladas são repetidas em todos os contratos de seguro e dão condição para que a seguradora não pague o prêmio ao segurado, se ela não estiver integrando a lide na fase de contestação.
O art. 10 da Lei 9.099/95 (JEC) repele a participação de terceiro na lide, figura que tem sido indevidamente atribuída à seguradora. Mas o mesmo dispositivo admite o litisconsórcio, sem distinguir seu cabimento pela forma voluntária ou necessária.
Page 36
Cuidaremos desta última apenas, quanto aos ocupantes do polo passivo da demanda – réu e seguradora – e da sua indispensabilidade, sob pena da nulidade do processo por cominação legal.
No juízo comum, seria o caso de denunciação da lide à seguradora vinculada ao réu, para que esta venha satisfazer sua responsabilidade, coberta pelo contrato de seguro.
Mas no JEC, não sendo admitida a denunciação, será o caso de requerer a integração do polo passivo com a citação também da seguradora, em virtude do litisconsórcio unitário necessário, pois há comunhão de obrigações e existe uma relação contratual – a do seguro – consorciando os envolvidos no polo passivo da...
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PEÇA SUA AVALIAÇÃO- Livros e Revistas
- A defesa do fornecedor comerciante. Antídotos para a Indústria das Indenizações
- Intróito
- Do Momento Social
- Das Grandes Corporações e da Irresponsabilidade Nacional
- Da Segurança Pública e da Responsabilidade do Estabelecimento Privado
- Do Depósito de Veículos em Estacionamentos
- Do Litisconsórcio Unitário com Seguradoras
- Do Dano Moral
- Do Valor da Causa sobre Dano Moral Arbitrado
- Da Assistência Judiciária Gratuita
- Da Responsabilidade do Advogado por Litigância de Má-Fé
- Dos Honorários de Advogado
- Do Cadastro nos Serviços de Proteção ao Crédito
- Da Responsabilidade pelo Fato do Produto ou do Serviço
- Conclusão
- Bibliografia
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