In nowadays doctrine and legislation, it advances so more and more each day the creditor’s possibility to exercise the direct action when it is de- manded the fulfilment of the obligation directly to the debtor’s debtor without the need for what has been obtained passes through the inter- mediary debtor’s estate. The main advantage of this action is that it favours who exercises it in an immediate way without benefiting the rest of the creditors of the debtor even though they possess preferential credits. At the present, the exercise of the direct action by the creditor has not been recognise yet in Cuban insurance legislation for what it is valuating its implementation has not only theoretical but also practical importance since the application of this norm will make more effective the compen- sation (for damages) of the victim.