Estructura y Cláusulas de la PólizaPregunta 521 de 531
The suit against us condition in a property policy provides that the insured may sue the insurer only if:
a.The insured hires counsel approved by the insurer
b.The loss exceeds the deductible by a wide margin
c.The insurer has refused arbitration in writing
d.The insured has complied with the policy terms
Explicación
The condition bars an action unless there has been full compliance with the terms of the policy, including notice, proof of loss and cooperation, and unless suit is brought within the time the policy allows, a period that varies by jurisdiction. Its purpose is to make the insured exhaust the claim process first. The insurer does not select the insured's lawyer, and the size of the loss is not a condition of suing.
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