THE DIRECT ACTION IN THE LIABILITY INSURANCE

The Legislator of 1990 was aware of the changes taking place in modern life, due to the accelerated changes in industrial commercial and professional activities which led to a corresponding increase in the capacity of damage to society and the growth of multiple circumstances generating the increase of liability. Congress, therefore, issued Law 45 of 1990, through which it undertook substantive reforms in insurance matters, especially in liability insurance, which for decades had the exclusive purpose to protect the estate of the insured person, becoming focused mainly on the victim who has been given the power to sue directly the insurer of the person responsible for the damage, with the capacity to claim the compensation for the harm suffered, what has made that liability insurance has an only beneficiary of compensation, which is the victim.