4. In case of loss giving rise to claims for Civil liability.
The policyholder and the insured shall be obliged to take all those measures that favour their defence before the liability claims and must be as diligent in carrying them out as they would in the absence of any insurance. Likewise, they shall inform the insurer, immediately upon receipt or, at most, within a period of forty-eight hours, of any legal or administrative notice that comes to their knowledge and might bear any relation to the claim.
Neither the insured, nor the policyholder, nor any other person activing in their name, may negotiate, admit or reject any claim without authorisation from the insurer.
Breach of these obligations shall entitle the insurer to reduce the benefits and force the insured to participate in the loss to the extent that, by his behaviour, he worsened the economic consequences of the loss, or, where applicable, to place a claim against the insured for damages.
Should the breach on the part of the policyholder or the insured occur with the manifest attention of misleading or harming the insurer, or should they act fraudulently in collusion with the claimants or the injured parties, the insurer shall be released of its obligation to pay all benefits derived from the loss.
The insurer shall take on the management of all procedures related to the loss, acting in the name of the insured to deal with the injured parties or their entitled dependents, and the insured agrees to collaborate with it. If, due to a lack on collaboration, the possibilities of defending the loss are harmed or reduced, the insurer may place a claim for damages against the insured, proportional to the insured's blame and the harm suffered.
18. Obligations in case of loss