{"id":224139,"date":"2024-02-13T20:41:56","date_gmt":"2024-02-13T20:41:56","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=224139"},"modified":"2024-02-13T20:41:56","modified_gmt":"2024-02-13T20:41:56","slug":"soferii-au-inceput-sa-ia-tot-mai-multe-polite-rca-cu-clauza-de-decontare-directa-atasata-asiguratorii-au-vandut-in-9-luni-2023-peste-377-000-de-clauze-de-decontare-directa-in-crestere-cu-44","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=224139","title":{"rendered":"\u015eoferii au \u00eenceput s\u0103 ia tot mai multe poli\u0163e RCA cu clauza de decontare direct\u0103 ata\u015fat\u0103. Asigur\u0103torii au v\u00e2ndut \u00een 9 luni\/2023 peste 377.000 de clauze de decontare direct\u0103, \u00een cre\u015ftere cu 44%"},"content":{"rendered":"<p>\n<em><strong><span style=\"color:#b22222;\">\u2666<\/span> Prima medie anualizat\u0103 pentru clauzele de decontare direct\u0103 ata\u015fate poli\u0163elor RCA a crescut u\u015for, la 184 lei \u00een 9 luni\/2023, fa\u0163\u0103 de 172 lei \u00een 9 luni\/2022 <span style=\"color:#b22222;\">\u2666 <\/span>Dauna medie pl\u0103tit\u0103 pe dosar a ajuns la 8.783 lei \u00een 9 luni\/2023 <span style=\"color:#b22222;\">\u2666<\/span> Num\u0103rul dosarelor de daun\u0103 aferente clauzei de decontare direct\u0103 a ajuns la 8.553 la final de septembrie 2023, cu 9% mai pu\u0163ine fa\u0163\u0103 de septembrie 2022, adic\u0103 desp\u0103gubiri pl\u0103tite de asigur\u0103tori de 75,1 mil. lei, cu 1% peste 9 luni\/2022.<\/strong><\/em><\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/22266692\/2\/5-decontare.jpg?height=432&#038;width=250\" style=\"width: 250px; height: 432px; margin: 10px; float: left;\" \/>Asigur\u0103torii RCA au v\u00e2ndut \u00een primele nou\u0103 luni din 2023 un num\u0103r de 377.502 clauze de decontare direct\u0103 ata\u015fate po\u00adli\u0163elor RCA, \u00eensemn\u00e2nd un volum al subscrierilor de 68,2 mil. lei, \u00een cre\u015ftere consistent\u0103 cu 57% fa\u0163\u0103 de perioada similar\u0103 a anului 2022, potrivit informa\u0163iilor pu\u00adbli\u00adcate de Autoritatea de Supra\u00adve\u00adghere Financiar\u0103 (ASF) \u00een ra\u00adportul privind evolu\u0163ia pie\u0163ei asi\u00adgur\u0103rilor \u00een primele nou\u0103 luni din 2023.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte num\u0103rul cla\u00aduzelor de decontare direct\u0103, pri\u00admele nou\u0103 luni din 2023 au adus o cre\u015ftere semnificativ\u0103 cu 44% a clauzelor de decontare direct\u0103 fa\u0163\u0103 de perioada similar\u0103 din 2022. Clauza de decontare direct\u0103 ofer\u0103 posibilitatea clien\u0163ilor de a solicita plata desp\u0103gubirii, \u00een cazul unui eveniment rutier, de la propriul asigur\u0103tor RCA \u015fi nu de la asigur\u0103torul \u015foferului care a provocat dauna. Ulterior, asigur\u0103torul \u00ee\u015fi recupereaz\u0103 banii de la compania de asigur\u0103ri a \u015foferului vinovat. De\u015fi aceast\u0103 metod\u0103 are un cost suplimentar care se ad\u0103ug\u0103 poli\u0163ei RCA, prima medie anualizat\u0103 fiind de 184 lei \u00een primele nou\u0103 luni din 2023, fa\u0163\u0103 de 172 lei \u00een perioada similar\u0103 a anului 2022, procesul de desp\u0103gubire este mai facil prin faptul c\u0103 p\u0103gubitul se adreseaz\u0103 direct asigur\u0103torului s\u0103u.<\/p>\n<p>\nAv\u00e2nd \u00een vedere contextul falimentului celui de-al doilea lider al pie\u0163ei RCA, Euroins Rom\u00e2nia, \u015fi a problemelor \u00eent\u00e2mpinate privind plata desp\u0103gubirilor \u00een caz de accident, \u015foferii \u00ee\u015fi creeaz\u0103 o plas\u0103 de siguran\u0163\u0103 prin ata\u015farea acestei clauze de decontare direct\u0103. Astfel, ace\u015ftia nu mai sunt nevoi\u0163i s\u0103 a\u015ftepte sau s\u0103 se bazeze pe plata desp\u0103gubirii de la asigur\u0103torul \u015foferului vinovat, care poate s\u0103 aib\u0103 o asigurare la o companie de \u00eencredere sau nu, ci se adreseaz\u0103 propriului asigur\u0103tor.<\/p>\n<p>\nLa finalul lunii septembrie 2023, num\u0103rul clauzelor de decontare direct\u0103 \u00een vigoare era de 459.865, cu 20% mai multe fa\u0163\u0103 de perioada similar\u0103 din 2022.<\/p>\n<p>\nDosarele de daun\u0103 aferente clauzei de decontare direct\u0103 au ajuns la un num\u0103r de 8.553 la finalul lunii septembrie 2023, cu 9% mai pu\u0163ine fa\u0163\u0103 de septembrie 2022, \u00eensemn\u00e2nd desp\u0103gubiri pl\u0103tite de asigur\u0103tori de 75,1 mil. lei, cu 1% mai mult comparativ cu 9 luni\/2022. Astfel, dauna medie pl\u0103tit\u0103 pe dosar a ajuns la 8.783 lei \u00een primele nou\u0103 luni din 2023, iar \u00een soldul rezervei de daun\u0103 avizat\u0103 erau \u00eenregistrate 3.848 dosare de daun\u0103, \u00een valoare estimat\u0103 de 34,7 mil. lei.<\/p>\n<p>\nPia\u0163a RCA a ajuns la finalul primelor nou\u0103 luni din 2023 la subscrieri de 6,3 mld. lei, consemn\u00e2nd un avans de 10% fa\u0163\u0103 de perioada similar\u0103 a anului 2022. \u00cen ceea ce prive\u015fte doar asigur\u0103torii locali din pia\u0163\u0103, excluz\u00e2nd companiile de asigur\u0103ri care activeaz\u0103 pe pia\u0163a RCA prin pa\u015faport european, volumul subscrierilor ar fi de 5,4 mld. lei la finalul primelor nou\u0103 luni din 2023, \u00een cre\u015ftere cu doar 1% fa\u0163\u0103 de primele nou\u0103 luni din 2022.<\/p>\n<p>\n&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigur\u0103torii RCA au v\u00e2ndut \u00een primele nou\u0103 luni din 2023 un num\u0103r de 377.502 clauze de decontare direct\u0103 ata\u015fate po\u00adli\u0163elor RCA, \u00eensemn\u00e2nd un volum al subscrierilor de 68,2 mil. lei, \u00een cre\u015ftere consistent\u0103 cu 57% fa\u0163\u0103 de perioada similar\u0103 a anului 2022, potrivit informa\u0163iilor pu\u00adbli\u00adcate de Autoritatea de Supra\u00adve\u00adghere Financiar\u0103 (ASF) \u00een ra\u00adportul privind evolu\u0163ia pie\u0163ei asi\u00adgur\u0103rilor \u00een primele nou\u0103 luni din 2023.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[331,30324,56925,10564,13619,56924,8208,20324],"class_list":["post-224139","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asigurari","tag-asigurator","tag-clauza-de-decontare-directa","tag-daune","tag-falimente","tag-plata-despagubirilor-in-caz-de-accident","tag-rca","tag-soferii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224139","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=224139"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224139\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=224139"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=224139"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=224139"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}