Las Prácticas de Autoprotección Propias de los Tomadores/Asegurados Como Consumidores Financieros

Abstract

This article aims to expose the legal reality of Colombia, tending to ignore the effective selfprotection practices of the policyholders/insured as financial consumers and analyzes the markedly protective position of the insured, which has been assumed by the Constitutional Court, who in recent years has begun to present subtle arguments that link the policyholder/insured with the figure of the financial consumer, from the point of view of the rights that he acquires as such. In the development of the article, the legal and jurisprudential context of the figure of the financial consumer and the self-protection practices are studied, highlighting the recent trend of the Financial Superintendence and legal operators such as the Superior Court of Bogotá; to finally propose actions that allow, from the regulatory, educational and sanctioning point of view, the effective application and use of the protection practices of financial consumers in the insurance contract. This research was developed through the qualitative approach, with an exploratory scope, using the analytical hermeneutic method and the case study and, in turn, the documentary review technique was used. Finally, the work was supported by the Scopus, Scielo and Redalyc databases, established as research tools