{"id":66687,"date":"2020-07-22T08:57:42","date_gmt":"2020-07-22T05:57:42","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=66687"},"modified":"2020-07-22T08:57:44","modified_gmt":"2020-07-22T05:57:44","slug":"in-ce-situatii-polita-casco-nu-acopera-daunele","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=66687","title":{"rendered":"\u00cen ce situa\u021bii poli\u021ba CASCO nu acoper\u0103 daunele"},"content":{"rendered":"\n<p>Asigurarea CASCO este op\u021bional\u0103 \u0219i, \u00een func\u021bie de poli\u021ba pe care \u0219oferul a \u00eencheiat-o, aceasta acoper\u0103 daune survenite \u00een trafic din cauza sa, furt, vandalism \u0219i dezastre natural. Dar sunt situa\u021bii \u00een care asigurarea op\u021bional\u0103 este degeaba.<\/p>\n\n\n\n<p>\u0218oferii trebuie s\u0103 \u0219tie c\u0103 poli\u021ba CASCO pe care o \u00eencheie nu va acoperi orice daun\u0103 \u00een orice condi\u021bii. Aceasta exclude anumite situa\u021bii, cum ar fi:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Daune determinate de rea inten\u021bie sau culp\u0103 grav\u0103<\/li><\/ul>\n\n\n\n<p>Asiguratorul nu va emite o autoriza\u021bie de repara\u021bie dac\u0103 inspectorul de daune va identifica nereguli \u00een ceea ce prive\u0219te dauna.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Furtul vehiculului facilitat de culpa grav\u0103 \u00een p\u0103strarea cheilor \u0219i a documentelor autovehiculului.<\/li><\/ul>\n\n\n\n<p>\u00cen cazul \u00een care ma\u0219ina este furat\u0103 dup\u0103 ce \u0219oferul a l\u0103sat cheile \u00een contact \u0219i s-a \u00eendep\u0103rtat de ma\u0219in\u0103, cu siguran\u021b\u0103, acesta nu va fi desp\u0103gubit pentru furtul autovehiculului.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Daune survenite \u00een trafic atunci c\u00e2nd ITP-ul nu este valabil<\/li><\/ul>\n\n\n\n<p>\u00cen cazul \u00een care&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/itp-nu-apari-in-baza-de-date-online-rar-amenda-18703125\" target=\"_blank\" rel=\"noreferrer noopener\">Inspec\u021bia Tehnic\u0103 Periodic\u0103 ITP<\/a>&nbsp;este expirat\u0103, poli\u021ba CASCO nu mai are nicio valoare \u0219i nu \u00eei va acoperi dauna \u0219oferului neglijent.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Conducerea f\u0103r\u0103 permis de conducere sau \u00een perioada de suspendare<\/li><\/ul>\n\n\n\n<p>Asigurarea op\u021bional\u0103 devine invalid\u0103 \u00een momentul \u00een care \u0219oferul este implicat \u00eentr-un accident c\u00e2nd acesta are permisul suspendat. Se \u00eent\u00e2mpl\u0103 acela\u0219i lucru atunci c\u00e2nd cel aflat la volan se afl\u0103 sub influen\u021ba b\u0103uturilor alcoolice sau a substan\u021belor interzise.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Daune provocate \u00een afara drumurilor publice sau spa\u021biilor special amenajate pentru circula\u021bia, sta\u021bionarea sau parcarea autovehiculelor<\/li><\/ul>\n\n\n\n<p>Dac\u0103 \u0219oferul se aventureaz\u0103 \u00een off-road, iar ma\u0219ina sa sufer\u0103 o avarie care, \u00een mod normal, pe drumurile publice, ar fi acoperit\u0103 de poli\u021ba&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/trei-companii-controleaza-piata-asigurarilor-casco-din-romania-18072002\" target=\"_blank\" rel=\"noreferrer noopener\">CASCO<\/a>, asigurarea op\u021bional\u0103 este, \u00een acest caz, complet inutil\u0103.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Daune simulate sau exagerate \u0219i fapte s\u0103v\u00e2r\u0219ite cu inten\u021bie<\/li><\/ul>\n\n\n\n<p>Sunt \u0219oferi care se prezint\u0103 la biroul de daune sper\u00e2nd c\u0103 autoturismul va fi declarat daun\u0103 total\u0103, iar ei vor \u00eencasa suma la care acesta este asigurat.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Riscuri nucleare, r\u0103zboi, sanc\u021biuni comerciale, acte inten\u021bionate<\/li><\/ul>\n\n\n\n<p>Exist\u0103 situa\u021bii de for\u021b\u0103 major\u0103 \u00een care compania de asigur\u0103ri nu poate fi obligat\u0103 s\u0103 deconteze daunele suferite de autoturismul avariat.<\/p>\n\n\n\n<p>sursa: promotor.ro<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigurarea CASCO este op\u021bional\u0103 \u0219i, \u00een func\u021bie de poli\u021ba pe care \u0219oferul a \u00eencheiat-o, aceasta acoper\u0103 daune survenite \u00een trafic<\/p>\n","protected":false},"author":1,"featured_media":66688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-66687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i1.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2020\/07\/polita-de-asigurare-auto.jpg?fit=500%2C400&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-hlB","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/66687","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=66687"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/66687\/revisions"}],"predecessor-version":[{"id":66689,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/66687\/revisions\/66689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/66688"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=66687"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=66687"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=66687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}