{"id":74159,"date":"2021-03-10T09:30:05","date_gmt":"2021-03-10T07:30:05","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=74159"},"modified":"2021-03-10T09:30:11","modified_gmt":"2021-03-10T07:30:11","slug":"cat-de-avariata-trebuie-sa-fie-o-masina-pentru-a-fi-declarata-dauna-totala","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=74159","title":{"rendered":"C\u00e2t de avariat\u0103 trebuie s\u0103 fie o ma\u0219in\u0103 pentru a fi declarat\u0103 daun\u0103 total\u0103?"},"content":{"rendered":"\n

Ma\u0219ina pare reparabil\u0103, dar societatea de asigur\u0103ri consider\u0103 c\u0103 repara\u021bia cost\u0103 prea mult. C\u00e2t de grav trebuie s\u0103 fie avariat\u0103 o ma\u0219in\u0103 lovit\u0103, de fapt, pentru a fi declarat\u0103 daun\u0103 total\u0103?<\/p>\n\n\n\n

Companiile de asigur\u0103ri decid acest lucru foarte simplu. Inspectorii de daune evalueaz\u0103 pagubele produse \u00een urma unui accident \u0219i fac calculele. Ace\u0219tia iau \u00een considerare elementele de caroserie care trebuie \u00eenlocuite, componentele necesare \u0219i, nu \u00een ultimul r\u00e2nd, valoarea de pia\u021b\u0103 a ma\u0219inii asigurate.<\/p>\n\n\n\n

Termenul de \u201cdaun\u0103 total\u0103\u201d este folosit pentru a descrie o valoare de desp\u0103gubirii care dep\u0103\u0219e\u0219te 75% din valoarea de pia\u021b\u0103 a vehiculului avariat. Aceasta se poate aplica at\u00e2t \u00een cazul asigur\u0103rii obligatorii RCA<\/a>, c\u00e2t \u0219i \u00een cazul asigur\u0103rii op\u021bionale CASCO<\/a>.<\/p>\n\n\n\n

Pentru societatea de asigur\u0103ri tot ce conteaz\u0103 este ca valoarea repara\u021biei s\u0103 nu dep\u0103\u0219easc\u0103 75% din valoarea asigurat\u0103 a ma\u0219inii. Dac\u0103 ma\u0219ina ta este asigurat\u0103 la 5000 de euro, dar cost\u0103 cam tot at\u00e2t s\u0103 o repari, cu siguran\u021b\u0103 aceasta va fi declarat\u0103\u00a0daun\u0103 total\u0103<\/a>. \u0218i \u00een cazul \u00een care structura ma\u0219inii a fost afectat\u0103, aceasta va fi declarat\u0103 daun\u0103 total\u0103. Un montant str\u00e2mb, un acoperi\u0219 deformat, airbag-uri s\u0103rite sau, \u00een unele cazuri, chiar o roat\u0103 smuls\u0103, de exemplu, ar putea determina declararea ma\u0219inii daun\u0103 total\u0103 de c\u0103tre societatea de asigur\u0103ri.<\/p>\n\n\n\n

Ce se \u00eent\u00e2mpl\u0103 cu epava dac\u0103 ma\u0219ina avariat\u0103 este declarat\u0103 daun\u0103 total\u0103?<\/h2>\n\n\n\n

Proprietarul de ma\u0219in\u0103 declarat\u0103 daun\u0103 total\u0103 are dou\u0103 op\u021biuni. Poate alege s\u0103 p\u0103streze epava \u00een vederea v\u00e2nz\u0103rii sau repara\u021biei sau poate alege s\u0103 primeasc\u0103 contravaloarea epavei. Aceasta se poate determina prin licita\u021bie sau prin expertiz\u0103 tehnic\u0103.<\/p>\n\n\n\n

Dac\u0103 alege s\u0103 primeasc\u0103 epava, \u00een contul s\u0103u va intra suma care reprezint\u0103 diferen\u021ba dintre valoarea vehiculului la data producerii accidentului \u0219i valoarea epavei. Aceast\u0103 sum\u0103 reprezint\u0103, de obicei, valoarea p\u0103r\u021bilor neavariate, demontabile \u0219i valorificabile, cuprins\u0103 \u00eentre 0,1% \u0219i 25% din valoarea respectiv\u0103.<\/p>\n\n\n\n

Pentru stabilirea valorii vehiculului la data producerii accidentului, se va recalcula suma asigurat\u0103. Din valoarea ini\u021bial\u0103, \u00eenscris\u0103 \u00een poli\u021ba de asigurare, se va sc\u0103dea gradul de uzur\u0103 al ma\u0219inii.<\/p>\n\n\n\n

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

Ma\u0219ina pare reparabil\u0103, dar societatea de asigur\u0103ri consider\u0103 c\u0103 repara\u021bia cost\u0103 prea mult. C\u00e2t de grav trebuie s\u0103 fie avariat\u0103<\/p>\n","protected":false},"author":1,"featured_media":74160,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[82],"tags":[],"class_list":["post-74159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2021\/03\/Masina-avariata-dauna-totala-2-scaled-1.jpg?fit=1050%2C700&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-ji7","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/74159","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=74159"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/74159\/revisions"}],"predecessor-version":[{"id":74161,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/74159\/revisions\/74161"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/74160"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=74159"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=74159"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=74159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}