Monday, 30 November 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.

- Advertisement -

Why is it so important to understand the difference?

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.

- Advertisement -

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

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.

- Advertisement -

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.

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.

 

 

- Advertisement -
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

Bossa Nova’s birthplace closes due to Covid-19 in Brazil

(Prensa Latina) Casa Villarino, one of the cradles of the bossa nova music movement in Brazil, closed its bar and restaurant in Rio de...

Mexico received a request for the sanitary registration of the vaccine from BioNtech / Pfizer

Q24N - The alliance of Germany's BioTech, which developed the vaccine against COVID-19, and the Pfizer consortium have delivered documents to the Commission for...

Aresep gives AyA one month to resolve water bill errors

QCOSTARICA - The water utility, Instituto Costarricense de Aqueductos y Alcantarillados (AyA), has 30 days to resolve the claims for excessive water charges made...

Low-cost airline Wingo resumes flights between Bogotá and San José de Costa Rica

QCOSTARICA TRAVEL - Wingo, the Colombian-flag low-cost airline, announced that it will resume its direct flights between Bogotá (BOG) and San José (SJO), with...

Nicaragua still the country with the greatest mobility in Central America in times of pandemic

TODAY NICARAGUA – Eight months after the first case of Covid-19 was registered in Nicaragua, the country is experiencing a feeling of “normality” amid...

Travel to the United States in a pandemic; what you should know

CORRECTION: Costa Ricans do not have to quarantine as was indicated in the original report. QCOSTARICA - It is not uncommon for many Ticos to...

Let's Keep This Going!

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

Log In

Forgot password?

Forgot password?

Enter your account data and we will send you a link to reset your password.

Your password reset link appears to be invalid or expired.

Log in

Privacy Policy

Add to Collection

No Collections

Here you'll find all collections you've created before.