Civil Liability Insurance (RC)
Introduction
Civil liability is the obligation of a person who must compensate another for the damages that the causer (the person responsible) has caused, either as a consequence of a breach of contract (contractual liability) or when there was no prior link (non-contractual liability). It may be in kind or for a monetary equivalent, usually through the payment of compensation for damages.
Díez-Picazo defines liability as "the subjection of a person who violates a duty of conduct imposed in the interest of another, subject to the obligation to repair the damage caused."[1] Although the person who responds is usually the cause of the damage, it is possible that a person other than the author of the damage is held responsible, a case in which we speak of "responsibility for acts of others",[2] as occurs, for example, when parents are made responsible for damages caused by their children or the owner of the vehicle for damages caused by the driver while driving.
Therefore, civil liability can be contractual or extra-contractual. It is contractual responsibility when the legal norm transgressed is an obligation established in a particular declaration of will (contract, unilateral offer, etc.). It is extracontractual when the legal norm violated is a law (in a broad sense), which in turn can be either delictual (if the damage caused was due to an action classified as a civil crime) or quasi-delictual or non-intentional (if the damage originated in an involuntary fault).
Contractual liability
Obligations are usually classified as means and results, and this is of great importance when determining contractual civil liability. Non-compliance, which is one of the basic requirements for liability to occur, will depend on the type of obligation.[3].
In the case of the obligation of means, it is more difficult to prove civil liability, given that non-compliance does not depend only on not having achieved the result (in the previous example, healing the patient), but it would have to be demonstrated that it could have been achieved, if the obligor had acted correctly. To do this, jurisprudence uses what is known as "lex artis"[4] and which are a set of practices assumed to be correct by the entire professional community. In regulated professions, it is common for this set of good practices to be standardized by the statutes of the professional association.