Insurance and Reinsurance | Pérez-Llorca, Law Firm

Ibero-American Insurance Update – Q2 2026

Mónica Moreno — Fri, 17 Jul 2026 09:12:12 +0000

Pérez-Llorca’s Insurance and Reinsurance team has published a new edition of the “Ibero-American Insurance Update”, a publication that analyses the main legislative, regulatory, and case law developments from Spain, Portugal, Mexico, and Colombia – countries in which the Firm operates – in Q2 2026, as well as providing an overview of the most significant European developments in the sector.

You can read the full content of the publication by clicking here or by downloading the PDF.

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The Change in VAT Crediting and Its Implications for the Insurance Business Model

mariajose.canal — Fri, 22 May 2026 17:41:31 +0000

During the interview, Jacinto Ávalos explained that the change in the VAT treatment for the insurance sector raises significant challenges in terms of legal certainty. In this context, he emphasised that the industry faces the challenge of adapting to an evolving regulatory environment, which could accelerate innovation and operational restructuring processes in order to maintain efficiency and competitiveness.

Watch the full interview here.

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Mexico’s Supreme Court Sets UMAs as the Benchmark for Compensation Calculations

mariajose.canal — Wed, 13 May 2026 22:35:25 +0000

The article explores the practical consequences of the Mexican Supreme Court’s decision to replace the minimum wage with the UMA as the benchmark for calculating death compensation. The interview discusses how this change could reduce compensation amounts, reshape the landscape for insurers in civil liability litigation, and open new debates on the adequacy of financial reparations in Mexico.

Read the full interview here.

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Read and accepted: the digital crossroads of standard terms

mariajose.canal — Wed, 25 Feb 2026 18:00:15 +0000

The author explains that recent Supreme Court criteria have shifted the traditional approach toward a comprehensive assessment of the insurer’s conduct, where the ability to demonstrate that the insured had real and effective access to contractual information may prove decisive in avoiding punitive damages awards.

In the second part, Ávalos examines practical solutions to mitigate legal risks, drawing on experiences from the financial sector and technological tools such as electronic records, timestamps, auditable repositories and step-by-step acceptance mechanisms. He emphasizes that adopting robust evidentiary frameworks not only strengthens insurers’ legal defenses but also helps reduce disputes arising from information asymmetries with policyholders.

Consult the full content of the Column here.
Consult the full content of the Column here.

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Insurers Acquire Workshops, Vehicles or Hospitals to Contain Costs

mariajose.canal — Wed, 21 Jan 2026 18:29:47 +0000

In his interview with El Economista, Miguel Ángel Rosas Ortiz explains that eliminating the ability to credit Value-Added Tax (VAT) on claims, resulting from a fiscal reinterpretation consolidated in the 2026 Federal Revenue Law, has placed significant pressure on insurers’ operating models in Mexico. In response, some companies are evaluating vertical integration strategies, such as acquiring or developing auto repair shops, vehicle fleets or even hospitals, with the aim of more directly controlling costs associated with service delivery. Rosas Ortiz cautions that while these strategies may offer a way to mitigate costs, they also raise competition and market access challenges, and could translate into upward adjustments to insurance premiums for end consumers.

Consult the full content of the Interview here.

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Ibero-American Insurance Update – Q4 2025

andrea.araujo — Mon, 19 Jan 2026 08:11:32 +0000

The Insurance and Reinsurance team at Pérez-Llorca has just published the new edition of the Ibero-American Insurance Update newsletter for the fourth quarter of 2025, compiling the main legal and case-law developments in the insurance sector in Colombia, Spain, Mexico and Portugal.

You can read the full content of the publication by clicking here or by downloading the PDF.

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Case Law Strengthens Policyholder Protection

mariajose.canal — Wed, 03 Dec 2025 21:57:25 +0000

Daniel explains that the Supreme Court’s most recent case law seeks to correct unfair practices, such as document alteration or unjustified claim denials, and to establish uniform criteria that provide greater legal certainty for both policyholders and insurers. These rulings strengthen transparency, internal compliance and a more balanced relationship between the parties, ultimately restoring trust within the insurance market.

Consult the full interview here.

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When Insurance Becomes Law: Benefits and Risks

mariajose.canal — Wed, 19 Nov 2025 19:34:12 +0000

They emphasize that mandatory civil liability insurance for vehicles can deliver significant social benefits: protecting victims, covering medical and legal costs, and ensuring financial solvency. However, they warn that for this regime to work, Mexico must address structural hurdles such as low insurance penetration in some regions, weak enforcement mechanisms, and the need for guarantee funds for uninsured vehicles or insolvent insurers. Their proposal is to foster an ecosystem in which mandatory insurance is affordable, enforceable and truly inclusive.

You can read the full article on Expansión here.

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Risk Insurance in M&A: From Trend to Strategic Tool

mariajose.canal — Wed, 05 Nov 2025 19:33:12 +0000

Ávalos noted that W&I policies are now used in more than 50 % of global M&A transactions and are rapidly expanding across the region, enabling faster deal execution, freeing latent liabilities, and providing protection against tax, labor, and regulatory risks. Eizaguirre emphasized that W&I continues to coexist with traditional escrow mechanisms, particularly in complex cross-border deals.

Read the full interview in LexLatin here.

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Ibero-American Insurance Update – Q3 2025

Mónica Moreno — Mon, 20 Oct 2025 08:30:18 +0000

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