Estructura y Cláusulas de la PólizaPregunta 512 de 531
Insurers write exclusions into a property policy chiefly in order to:
a.Remove uninsurable or catastrophic exposures
b.Reduce the number of claims that get reported
c.Satisfy a federal standard on policy forms
d.Keep the insured from filing a lawsuit later
Explicación
Exclusions keep the policy insurable and affordable by removing losses that are catastrophic or not accidental, exposures better handled by a different policy, and hazards only some insureds face and only they should pay for. Blocking lawsuits is not the purpose, and there is no federal standard dictating what a property form must exclude, since insurance is regulated primarily at state level.
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