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Asigurari mai scumpe pentru soferii agresivi


Scris de green pe 10-11-2008

chei masinaDe la 1 ianuarie 2010 se va introduce siste­mul bonus-malus în tarifarea asigurărilor RCA, anunţă Comisia de Supraveghere a Asigurărilor (CSA). Prin acest sistem, proprietarii de autovehi­cu­le vor putea plăti o primă de asigurare mai mi­că dacă în anul anterior nu au produs accidente sau mai mare dacă au avut.

Bonus-malus este un sistem prin care prima poa­te fi redusă (bonus), dacă în anul anterior asi­gu­ratul nu a avut daune, sau poate fi mărită (ma­lus), dacă asiguratul are daune. În felul acesta se urmăreşte o încurajare a asiguraţilor prudenţi şi o descurajare a celor care, din diverse motive, în­re­gistrează daune mari.

„În acest moment se lucrează la crearea unei baze de date. Nu am avut o bază de date cu şoferii care au produs accidente din vina lor în ultimii ani şi nu s-a putut introduce mai devreme acest sistem. Dar noua bază de date va cuprinde accidentele realizate din 2003-2004 şi până la introducerea sistemului bonus-malus. Asta înseamnă că cine a avut accident acum doi-trei ani va plăti mai mult pe RCA în momentul introducerii sistemului bonus-ma­lus“, a declarat Tudor Baltă, vicepreşedinte CSA.

Sistemul conţine 10 cla­se de bonus şi patru de malus. „Există o serie de avantaje în acest sistem pentru şoferii prudenţi. Astfel, trebuie spus că RCA nu va mai costa la fel pentru toţi şoferii, cum este la ora actuală. E posibil ca RCA să coste dublu în 2010 pentru un şofer aflat în cea mai de jos clasă (M4-malus patru) sau doar 50% pentru cel din clasa cea mai de sus“, mai spune Tudor Baltă. Cei care nu au înregistrat accidente vor avan­sa, an de an, în clasele de bonus (cele zece) şi vor plăti mai puţin pentru prima de asigurare. În ca­zul în care contractul s-a desfiinţat prin neplata primelor de asigurare aferente, clasa bonus nu se transmite, în schimb clasa malus se păstrează da­că se încheie un nou contract într-un an. La în­che­ierea unui nou contract la un alt asigurător, con­tractantul (viitorul asigurat) este obligat să pre­zinte adeverinţa bonus-malus.

Dacă contractantul nu prezintă adeverinţa, noul asigurător este obligat să solicite vechiului asigurător datele referitoare la situaţia bonus-malus. E drept, mulţi cititori se vor întreba dacă la un singur accident pierdem toate clasele de bonus pe care le-am adunat într-o perioadă de 10 ani. Nor­me­le sistemului nu au fost încă elaborate, dar, po­trivit sistemului bonus-malus în cazul autovehiculelor, practicat în Europa, clasele de bonus se re­duc astfel: un accident duce la pierderea a două clase de bonus; două accidente duc la pierderea a patru clase de bonus; trei accidente - la şase clase de bonus, iar la patru accidente, în acelaşi an de re­ferinţă, se trece automat în clasa cea mai mare de risc, adică M4. În cazul autovehiculelor cu ga­ba­rit depăşit (camioane, autobuze, maşini agricole), la fiecare accident clasa de bonus scade cu o unitate.

Comisia de Supraveghere a Asigurărilor (CSA) a mai decis că, începând cu 1 ianuarie 2009, poliţele de răspundere civilă auto obligato­rii vor putea fi emise şi electronic, urmând ca, de la 1 ianuarie 2010, contractele de asigurare afe­ren­te acestor poliţe să fie emise numai în acest sistem. În ceea ce priveşte costul RCA, potrivit deci­ziei Consiliului CSA, companiile de asigurare pot aplica tarifelor RCA un discount de maximum 25%, cu excepţia reducerilor acordate pensiona­ri­lor şi persoanelor cu deficienţe locomotorii. Toto­dată, asigurătorii vor putea modifica limitele de despăgubire şi tarifele de primă notificate CSA după minimum trei luni de la ultima modificare.


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Scris de Delia pe 23-10-2015 13:58

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scris de aserty pe 08 Apr, 19:05

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