{"id":1738,"date":"2023-03-08T09:00:00","date_gmt":"2023-03-08T09:00:00","guid":{"rendered":"https:\/\/teague.local\/?p=1738"},"modified":"2023-03-01T20:07:50","modified_gmt":"2023-03-01T20:07:50","slug":"what-is-social-inflation","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2023\/03\/08\/what-is-social-inflation\/","title":{"rendered":"\u00bfQu\u00e9 es la inflaci\u00f3n social?"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-we-know-what-economic-inflation-is-which-is-bad-enough-but-social-inflation-can-make-claims-costs-rise-even-more-often-well-exceeding-general-economic-inflation\"><strong>Sabemos lo que es la inflaci\u00f3n econ\u00f3mica, que ya es bastante mala, pero la inflaci\u00f3n social puede hacer que los costes de las reclamaciones aumenten a\u00fan m\u00e1s, a menudo superando con creces la inflaci\u00f3n econ\u00f3mica general.<\/strong><\/h2>\n\n\n\n<p>La inflaci\u00f3n social es un indicador de c\u00f3mo la sociedad est\u00e1 cambiando sus preferencias para determinar qui\u00e9n est\u00e1 mejor posicionado para absorber el riesgo, seg\u00fan un nuevo libro blanco del Instituto de Informaci\u00f3n de Seguros (III), \u201c\u00bfQu\u00e9 es el financiamiento de litigios de terceros y c\u00f3mo afecta precios y asequibilidad de los seguros\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfCu\u00e1l es el impacto de la inflaci\u00f3n social?<\/h3>\n\n\n\n<p>La inflaci\u00f3n social impulsa mayores pagos de reclamos de aseguradoras y \u00edndices de siniestralidad, se\u00f1ala III En \u00faltima instancia, los asegurados pagan m\u00e1s por la cobertura. Una forma sencilla de pensar en la inflaci\u00f3n social y sus componentes es comparar el impacto de estos factores en las p\u00e9rdidas por siniestros a lo largo del tiempo con el crecimiento de una medida de inflaci\u00f3n como el \u00cdndice de Precios al Consumidor (IPC). Las l\u00edneas de seguros que tienden a llevar la peor parte son los autom\u00f3viles comerciales, la responsabilidad profesional, la responsabilidad por productos defectuosos y la responsabilidad de directores y funcionarios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Impulsores de la inflaci\u00f3n social<\/h3>\n\n\n\n<p>A diferencia de la inflaci\u00f3n econ\u00f3mica general, que las aseguradoras pueden mitigar utilizando modelos de precios y reservas para p\u00e9rdidas, la inflaci\u00f3n social puede surgir de factores que son dif\u00edciles de prever, como el aumento de los costos por:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>aumentos en el n\u00famero de premios del jurado descomunales<\/li>\n\n\n\n<li>procedimientos legales que toman m\u00e1s tiempo de lo razonablemente esperado<\/li>\n\n\n\n<li>retrocesos en la reforma de la responsabilidad civil que anulan los l\u00edmites legales sobre da\u00f1os no econ\u00f3micos.<\/li>\n<\/ul>\n\n\n\n<p>Considerada como un costo creciente de hacer negocios en la industria de seguros, la inflaci\u00f3n social est\u00e1 influenciada por el sentimiento p\u00fablico negativo sobre las corporaciones m\u00e1s grandes, el financiamiento de litigios y los retrocesos en la reforma de responsabilidad civil a nivel legislativo estatal, todo lo cual ha aumentado los costos de responsabilidad. Cambiar las percepciones y actitudes del p\u00fablico puede llevar a los miembros del jurado a simpatizar con los demandantes al otorgar da\u00f1os y perjuicios. Los miembros del jurado tambi\u00e9n pueden creer que el negocio, o la compa\u00f1\u00eda de seguros, tiene recursos financieros ilimitados, lo que lleva a lo que com\u00fanmente se conoce como veredictos &quot;impactantes&quot;. Estas indemnizaciones monetarias por da\u00f1os son mucho m\u00e1s altas de lo esperado seg\u00fan la evidencia presentada en el juicio, a menudo superando los $10 millones.<br><br>Las apelaciones emocionales a los jurados por parte de los abogados de los demandantes no son nada nuevo. Tampoco lo son las demandas colectivas. Pero el list\u00f3n del demandante ha subido a un nuevo nivel con t\u00e1cticas como la financiaci\u00f3n de litigios de terceros y los pr\u00e9stamos de litigios, se\u00f1ala el informe. La financiaci\u00f3n de demandas por parte de fondos de cobertura internacionales y otros terceros financieros, sin participaci\u00f3n en el resultado m\u00e1s que una parte del acuerdo, se ha convertido en una industria global de $17 mil millones, seg\u00fan Swiss Re. El bufete de abogados Brown Rudnick ve la industria como a\u00fan m\u00e1s grande, estim\u00e1ndola como una industria global de $39 mil millones en 2019, seg\u00fan Bloomberg.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 es la financiaci\u00f3n de litigios de terceros y c\u00f3mo impulsa la inflaci\u00f3n social?<\/h3>\n\n\n\n<p>El impacto de estos y otros problemas en el panorama legal puede verse intensificado por la financiaci\u00f3n de litigios de terceros.<br><br>La financiaci\u00f3n de litigios de terceros (TPLF) es una forma de financiaci\u00f3n de gastos legales en la que un inversor proporciona dinero a abogados o clientes a cambio de una participaci\u00f3n financiera en el acuerdo o las ganancias de una demanda o arbitraje. Este dinero a menudo se describe como un pr\u00e9stamo sin recurso porque no tiene que devolverse al inversor si el caso legal se pierde o nunca se resuelve. Tambi\u00e9n conocida como financiaci\u00f3n legal, financiaci\u00f3n legal, financiaci\u00f3n de litigios de terceros o financiaci\u00f3n alternativa de litigios (ALF), esta industria global en auge est\u00e1 valorada en $17 mil millones de d\u00f3lares y puede expandirse a $30 mil millones para 2028, seg\u00fan un informe de Swiss RE.<br><br>La investigaci\u00f3n muestra que el TPLF puede contribuir a la inflaci\u00f3n social al permitir litigios m\u00e1s prolongados, lo que en \u00faltima instancia hace que la cobertura de seguro sea m\u00e1s costosa. Hay varios otros aspectos de TLPF que pueden crear preocupaciones.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 se puede hacer con la inflaci\u00f3n social?<\/h3>\n\n\n\n<p>Algunos estados han implementado reglas que exigen la divulgaci\u00f3n de la financiaci\u00f3n de litigios de terceros en las demandas, lo que les dar\u00eda a los abogados defensores y a los jurados una idea de las entidades distintas del demandante que financian los honorarios legales de los abogados del demandante. Dichos esfuerzos, como era de esperar, se encuentran con la resistencia de los financiadores de litigios de terceros. En 2020, los 13 financiadores de litigios comerciales m\u00e1s grandes del mundo formaron la Asociaci\u00f3n Internacional de Finanzas Legales (ILFA) para abogar por el financiamiento de litigios y oponerse a los requisitos generales de divulgaci\u00f3n.<br><br>Las demandas m\u00e1s frecuentes y los veredictos de jurados m\u00e1s costosos pueden generar mayores costos de seguro a medida que las tarifas se ajustan para reflejar el perfil de riesgo cambiante. Incluso puede obligar a las aseguradoras a dejar de suscribir ciertas formas de cobertura. Los costos de siniestros m\u00e1s altos tienden a trasladarse a los asegurados en forma de primas m\u00e1s altas. En casos extremos, el aumento de los costos de los reclamos puede afectar a toda la econom\u00eda, creando condiciones an\u00e1logas a la crisis de responsabilidad de la d\u00e9cada de 1980, donde los reclamos de responsabilidad tuvieron un impacto adverso en la industria de seguros de EE. UU. hasta el punto en que algunas aseguradoras se enfrentaron a la insolvencia.<\/p>\n\n\n\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>We know what economic inflation is, which is bad enough, but social inflation can make claims costs rise even more, often well exceeding general economic inflation. Social inflation is an indicator of how society is shifting its preferences for determining who is best placed to absorb risk, according to a new white paper by the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13,22],"tags":[],"class_list":["post-1738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Social Inflation? - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/es\/2023\/03\/08\/what-is-social-inflation\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Social Inflation?\" \/>\n<meta property=\"og:description\" content=\"We know what economic inflation is, which is bad enough, but social inflation can make claims costs rise even more, often well exceeding general economic inflation. 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