{"id":512399,"date":"2025-02-20T08:38:23","date_gmt":"2025-02-20T05:38:23","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=512399"},"modified":"2025-02-20T08:38:23","modified_gmt":"2025-02-20T05:38:23","slug":"asiguratorii-au-platit-despagubiri-in-baza-politelor-rca-de-34-mld-lei-in-primele-noua-luni-din-2024-daca-adaugam-despagubirile-platite-de-fga-in-contul-falimentelor-city-insurance-si-euroins-suma","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=512399","title":{"rendered":"Asigur\u0103torii au pl\u0103tit desp\u0103gubiri \u00een baza poli\u0163elor RCA de 3,4 mld. lei \u00een primele nou\u0103 luni din 2024. Dac\u0103 ad\u0103ug\u0103m desp\u0103gubirile pl\u0103tite de FGA \u00een contul falimentelor City Insurance \u015fi Euroins, suma se duce spre 4,3 mld. lei. Rezervele asigur\u0103torilor RCA se aflau la circa 6 mld. lei la final de septembrie 2024"},"content":{"rendered":"<div class=\"text-content\">\n<p> Desp\u0103gubirile pl\u0103tite de asigur\u0103torii RCA \u00een primele nou\u0103 luni din 2024 au crescut cu 36% fa\u0163\u0103 de perioada similar\u0103 a anului 2023, p\u00e2n\u0103 la 3,4 mld. lei, la care se adaug\u0103 desp\u0103gubirile pl\u0103tite de Fondul de Garantare a Asigura\u0163ilor (FGA) pentru falimentele City Insurance \u015fi Euroins de circa 900 mil. lei, duc\u00e2nd suma la 4,3 mld. lei. Suplimentar, asigur\u0103torii au constiituit reserve pentru plata daunelor viitoare din RCA de circa 6 mld. lei \u00een primele nou\u0103 luni din 2024, potrivit datelor analizate de ZF pe baza informa\u0163iilor transmise de reprezentan\u0163ii Uniunii Na\u0163ionale a Societ\u0103\u0163ilor de Asigurare Reasigurare (UNSAR) \u015fi din ultimul raport publicat de Autoritatea de Supraveghere Financiar\u0103 (ASF).<\/p>\n<p> \u00cen aceea\u015fi perioad\u0103, num\u0103rul dosarelor de daun\u0103 RCA s-a majorat cu 28%, ajung\u00e2nd la 312.000, ceea ce reflect\u0103 frecven\u0163a ridicat\u0103 de producere a accidentelor \u00een Rom\u00e2nia.<\/p>\n<p> \u201c\u00cen acest context, industria de asigur\u0103ri subliniaz\u0103 importan\u0163a intensific\u0103rii ac\u0163iunilor de educa\u0163ie \u015fi preven\u0163ie rutier\u0103, dar \u015fi a ajust\u0103rii Legii 132\/2017 privind RCA, \u00een beneficiul \u015foferilor rom\u00e2ni, al persoanelor p\u0103gubite \u015fi al tuturor p\u0103r\u0163ilor implicate &#8211; mai ales c\u0103 pre\u0163ul poli\u0163ei RCA este influen\u0163at semnificativ de costul cu desp\u0103gubirile pl\u0103tite\u201d, au transmis reprezentan\u0163ii UNSAR.<\/p>\n<p> Contractele pe care asigur\u0103torii le-ar putea \u00eencheia cu unit\u0103\u0163ile reparatoare, care ar putea fi introduse \u00een Legea RCA, aflat\u0103 \u00een dezbaterea Camerei Deputa\u0163ilor, ar putea simplifica \u015fi gr\u0103bi procesul de desp\u0103gubire, la pre\u0163uri corecte de pia\u0163\u0103 \u015fi repara\u0163ii de calitate, echitabile \u00een raport cu toate p\u0103r\u0163ile, pe baza unor condi\u0163ii contractuale \u015fi de desp\u0103gubire negociate \u015fi agreate, respect\u00e2nd toate normele de industrie, au mai ad\u0103ugt reprezentan\u0163ii UNSAR.<\/p>\n<p> \u201c\u00cen acest moment, datele din pia\u0163\u0103 indic\u0103 diferen\u0163e semnificative \u00eentre costurile repara\u0163iilor \u00een diverse unit\u0103\u0163i reparatoare. Analizele efectuate de companiile membre ale UNSAR arat\u0103 c\u0103, pentru service-urile independente care nu au conven\u0163ii cu asigur\u0103torii, desp\u0103gubirea medie pl\u0103tit\u0103 este cu aproximativ 30% mai mare fa\u0163\u0103 de service-urile reprezentan\u0163elor auto \u015fi de dou\u0103 ori mai mare comparativ cu service-urile care au contracte cu asiguratorii. Aceast\u0103 realitate confirm\u0103 necesitatea implement\u0103rii unor m\u0103suri legislative care s\u0103 protejeze \u015fi s\u0103 sus\u0163in\u0103 interesele consumatorilor \u2013 contribuind astfel la men\u0163inerea unor prime RCA sustenabile\u201d, sus\u0163in reprezentanii UNSAR.<\/p>\n<p> Cel mai recent studiu sociologic realizat de IRES pentru UNSAR, \u00een februarie 2025, arat\u0103 c\u0103 56% dintre \u015foferii rom\u00e2ni ar fi deranja\u0163i dac\u0103 valoarea repara\u0163iei unui vehicul ar fi mai mare atunci c\u00e2nd plata este efectuat\u0103 \u00een baza poli\u0163ei RCA, comparativ cu situa\u0163ia \u00een care costurile sunt suportate din fonduri proprii. Aceast\u0103 percep\u0163ie subliniaz\u0103 nevoia de transparen\u0163\u0103 \u015fi echitate \u00een procesul de stabilire a costurilor de repara\u0163ie.<\/p>\n<div>\u00a0<\/div>\n<\/div>\n<p> Source URL: https:\/\/www.zf.ro\/banci-si-asigurari\/asiguratorii-au-platit-despagubiri-baza-politelor-rca-3-4-mld-lei-22704052<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Desp\u0103gubirile pl\u0103tite de asigur\u0103torii RCA \u00een primele nou\u0103 luni din 2024 au crescut cu 36% fa\u0163\u0103 de perioada similar\u0103 a anului 2023, p\u00e2n\u0103 la 3,4 mld. lei, la care se adaug\u0103 desp\u0103gubirile pl\u0103tite de Fondul de Garantare a Asigura\u0163ilor (FGA) pentru falimentele City Insurance \u015fi Euroins de circa 900 mil. lei, duc\u00e2nd suma la 4,3 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":512400,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[28],"class_list":["post-512399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/512399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=512399"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/512399\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/media\/512400"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=512399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=512399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=512399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}