Friday, 7 August 2020

What is the difference between “robo” and “hurto”?

Most people associate both terms, robbery and buglary, with theft, but as it turns out, there is a legal difference

Both “Robo” (robbery) and “Hurto” (burglary) imply the fact of seizing someone else’s property. Most people associate both terms with theft. But as it turns out, there is a legal difference, in that in a robbery there is violence, threat or force to achieve that purpose.

Image from Traveling Bytes

For this article, I will focus on the difference when dealing with insurance, where the difference is simple: in Hurto, there is no type of violence or intimidation when it comes to wanting to take over someone else’s property.  For example, it would be Robo if the offender forced the door of a house, and Hurtot if the thief found it open and stole from you.

Why is it so important to understand the difference?

- paying the bills -

For simplicity’s sake, I am using the differences from the Mapfre website, one of the major insurers in Costa Rica.

For example, in home and vehicle insurance policies, the actions between Robo and Hurto have different treatment.

Virtually all insurance companies cover damage caused by Robo. However, it is highly advisable to carefully read the clauses to confirm that and what is covered.

Policies that cover Robo also tend to be responsible for damages or economic losses caused by it. That is, if the doors or windows have been broken, the insurance company assumes the cost of the repair.

More: Avoiding Home Invasion in Costa Rica – Keep Your Home Safe From Thieves

- paying the bills -

On the contrary, it is common for insurance companies not to cover Hurto, since it involves negligence or carelessness on the part of the insured.

In the case of a vehicle, the Robo guarantee is a specific product that insurers offer and is usually associated with other products, such as third-party liability. It is quite common that, in general, insurance is contracted to third parties with an extension of coverage.

We must read the policy well and inform ourselves about what it covers; if, in addition to Robo, it includes Hurto.

A thief trying to break into car with screwdriver.

For example, it is Robo if your vehicle was broken into and its contents or entire vehicle stolen, and is most likely covered; but Hurto if you left the vehicle open or keys in the ignition, and may not be covered.

In short, we must be clear about the difference between Robo and Hurto, something essential when contracting insurance and knowing the extent of coverage.

- paying the bills --

Typical elements of a Robo are taking money or property directly from someone, without permission, with the intent to keep the property permanently and through the use of force or intimidation.

In Hurto the typical elements are illegally entering a building (usually a home or business) with the intent to steal something or commit a theft while inside.

Although Hurto often involves theft, a person doesn’t have to steal anything. Robo, on the other hand, almost always involves theft—taking something from the victim.

One thing’s for sure: you don’t want either to happen to you.

 

 

Rico
Ricohttp://www.theqmedia.com
"Rico" is the crazy mind behind the Q media websites, a series of online magazines where everything is Q! In these times of new normal, stay at home. Stay safe. Stay healthy.

Related Articles

Home Invasion, Everyone’s Worst Fear: Reflections of a victim

Home invasion. We were victims of a professional, well-planned home invasion....

1998 to 2002 Model Years Favorite of Car Thieves in San Jose

Q COSTA RICA - Owners of 1998 to 2002 vehicles take...

MOST READ

Expensive insurance policy and COVID-19 test increase the cost of traveling to Costa Rica

(QCOSTARICA) Costa Rica has become a much more expensive destination for foreign tourists starting August 1, when the country reopens its air borders. The cost...

Panama suspension of international flights continues

PANAMA CITY - On July 17, the Government of Panama extended the suspension of international commercial passenger and domestic charter flights, originally announced on...

The epidemiological form (Health Pass)

(QCOSTARICA) Arriving at the San Jose airport (SJO) in Costa Rica requires the completion of the epidemiological form or Health Pass, among other requirements...

Six people arrested for obstructing ruta 27 this Friday morning

(QCOSTARICA) Six people were arrested for blocking passage on the ruta 27, at the Santa Ana intersection, this Friday morning. The arrests were made by...

President has to act quickly on tourist insurance requirements

(QCOSTARICA) OPINION - Today, August 1, is an important day. The day that Costa Rica's international airports reopen to the much-needed tourists that is...

Marchamo is a fair tax and “it makes no sense” to reduce it, says Minister of Finance

(QCOSTARICA) The Marchamo, the vehicular right to circulate, "is a fair burden and it makes no sense to reduce it in the midst of...

Let's Keep This Going!

To be updated with all the latest news and information about Costa Rica and Latin America.