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INTRODUÇÃO AOS SEGUROS DE DANOS (VER VERACIDADE)A empresa SOL S/A, que atua na fabricação de piscinas de fibra, contratou seguro patrimonial com LMI de R$ 1.000.000,00 e declarou na contratação que o Valor em Risco também era de R$ 1.000.000,00 (VRD). As condições contratuais do produto, estipulava o rateio parcial (redução na relação VRD/VRA) em 80% para evitar o Rateio. Após um sinistro de incêndio, que causou prejuízo de R$ 100.000,00, o perito apurou o valor em Risco de R$ 2.000.000,00 (VRA). Considerando que o VRD foi de R$ 1.000.000,00 e o valor de 80% do VRA é R$ 1.600.000,00, podemos concluir que:
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