{"id":110559,"date":"2024-04-22T11:01:15","date_gmt":"2024-04-22T08:01:15","guid":{"rendered":"https:\/\/realitatearutiera.ro\/?p=110559"},"modified":"2024-04-22T11:01:17","modified_gmt":"2024-04-22T08:01:17","slug":"soferii-care-sufera-pagube-in-accidente-rutiere-si-sunt-despagubiti-vor-sa-stie-cat-a-fost-valoarea-despagubirii-achitate","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=110559","title":{"rendered":"\u0218oferii, care sufer\u0103 pagube \u00een accidente rutiere \u0219i sunt desp\u0103gubi\u021bi,\u00a0vor s\u0103 \u0219tie c\u00e2t a fost valoarea desp\u0103gubirii achitate"},"content":{"rendered":"\n

8 din 10 \u0219oferi (81%) \u0219i-ar dori ca, \u00een cazul \u00een care sufer\u0103 pagube \u00een accidente rutiere \u0219i sunt desp\u0103gubi\u021bi de poli\u021ba RCA a vinovatului, s\u0103 cunoasc\u0103 valoarea desp\u0103gubirii achitate.<\/p>\n\n\n\n

\"Doi<\/p>\n\n\n\n

8 din 10 \u0219oferi (81%) \u0219i-ar dori s\u0103 \u0219tie c\u00e2t a fost valoarea desp\u0103gubirii achitate<\/p>\n\n\n\n

Aceasta este una dintre concluziile <\/a>celui mai recent studiu realizat de IRES \u2013 Institutul Rom\u00e2n pentru Evaluare \u0219i Strategie, la solicitarea UNSAR.<\/p>\n\n\n\n

Reamintim c\u0103, \u00een Rom\u00e2nia, la fiecare 80 de secunde are loc un accident rutier. Pentru fiecare, asigur\u0103torii pl\u0103tesc \u00een medie 10.750 lei, rezult\u00e2nd desp\u0103gubiri totale de peste 2 milioane euro \u00een fiecare zi calendaristic\u0103. Acela\u0219i studiu relev\u0103 faptul c\u0103 \u0219oferii rom\u00e2ni sunt con\u0219tien\u021bi c\u0103 num\u0103rul accidentelor rutiere \u0219i valoarea desp\u0103gubirilor pl\u0103tite \u00een baza poli\u021belor RCA influen\u021beaz\u0103 costul acestor poli\u021be.<\/p>\n\n\n\n

Dorin\u021ba de a avea un plus de transparen\u021b\u0103 pe zona de desp\u0103gubiri ar putea veni \u0219i ca urmare a diferen\u021belor dintre pre\u021burile practicate de diferitele tipuri de unit\u0103\u021bi reparatoare \u00een raport cu companiile de asigurare RCA. Astfel, o analiz\u0103 a datelor aferente perioadei 2018-2022 transmise de companiile Membre UNSAR pentru dosarele cu daune materiale care s-au \u00eenchis \u0219i s-au pl\u0103tit (f\u0103r\u0103 a lua \u00een calcul dosarele care sunt \u00eenc\u0103 \u00een rezerv\u0103 – adic\u0103 cele care urmeaz\u0103 s\u0103 fie \u00eenchise), relev\u0103 ni\u0219te realit\u0103\u021bi \u00eengrijor\u0103toare.<\/p>\n\n\n\n

Practic, pentru service-urile independente care nu au o conven\u021bie de decontare a pl\u0103\u021bilor de repara\u021bie cu asigur\u0103torii, desp\u0103gubirea medie pl\u0103tit\u0103 pentru fiecare daun\u0103 este cu aproximativ 30% mai mare fa\u021b\u0103 de desp\u0103gubirea pl\u0103tit\u0103 pentru repara\u021biile c\u0103tre service-urile reprezentan\u021belor auto (9.604 lei vs. 7.580 lei), \u0219i de dou\u0103 ori mai mare dec\u00e2t suma pl\u0103tit\u0103 c\u0103tre service-urile care au o conven\u021bie cu asigur\u0103torii, altele dec\u00e2t reprezentan\u021bele (4.921 lei). \u00cen general, se presupune c\u0103 service-urile reprezentan\u021belor auto reprezint\u0103 un standard de calitate \u00een zona de repara\u021bii, \u00eens\u0103 din datele transmise de asigur\u0103tori se constat\u0103 c\u0103 tarifele practicate de reprezentan\u021be se situeaz\u0103, de fapt, \u00een jurul mediei.<\/p>\n\n\n\n

Astfel de diferen\u021be \u00een ceea ce prive\u0219te desp\u0103gubirea medie pl\u0103tit\u0103 c\u0103tre diferitele tipuri de service nu sunt \u00een favoarea \u0219oferilor, \u00een condi\u021biile \u00een care toate unit\u0103\u021bile reparatoare func\u021bioneaz\u0103 \u00eendeplinind acelea\u0219i cerin\u021be legale.<\/p>\n\n\n\n

Conform datelor oficiale ale ASF, asigur\u0103torii au pl\u0103tit anul trecut desp\u0103gubiri record \u00een baza poli\u021belor RCA, de 4,2 miliarde lei. Acestor sume li se adaug\u0103 rezerve \u00een valoare de 2,3 miliarde lei pentru\u00a0daunele\u00a0<\/a>avizate (RBNS), dar \u0219i 2,35 miliarde lei aferente daunelor neavizate (IBNR).<\/p>\n\n\n\n

Sursa:adevarul Foto:adevarul<\/p>\n","protected":false},"excerpt":{"rendered":"

8 din 10 \u0219oferi (81%) \u0219i-ar dori ca, \u00een cazul \u00een care sufer\u0103 pagube \u00een accidente rutiere \u0219i sunt desp\u0103gubi\u021bi<\/p>\n","protected":false},"author":1,"featured_media":110560,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[82],"tags":[],"class_list":["post-110559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"jetpack_featured_media_url":"https:\/\/realitatearutiera.ro\/wp-content\/uploads\/2024\/04\/index-6-1.webp","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-sLd","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/110559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=110559"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/110559\/revisions"}],"predecessor-version":[{"id":110561,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/110559\/revisions\/110561"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/110560"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=110559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=110559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=110559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}