{"id":4962,"date":"2024-02-22T16:03:36","date_gmt":"2024-02-22T14:03:36","guid":{"rendered":"https:\/\/covasna45.ro\/?p=4962"},"modified":"2024-02-22T16:03:36","modified_gmt":"2024-02-22T14:03:36","slug":"politele-rca-se-modifica-substantial","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/politele-rca-se-modifica-substantial\/","title":{"rendered":"Poli\u021bele RCA se modific\u0103 substan\u021bial"},"content":{"rendered":"\n<p>Autoritatea de Supraveghere Financiar\u0103 (ASF) a ini\u021biat un amplu proiect de modificare a poli\u021belor RCA. Se va l\u0103rgi aria de aplicare a sistemului <em>bonus malus<\/em>, va ap\u0103rea posibilitatea de a pl\u0103ti RCA \u00een rate lunare sau semestriale \u0219i va ap\u0103rea un nou sistem numit \u201dfran\u0219iz\u0103\u201d. Acesta va fi destul de aproapiat de CASCO, \u00een sensul c\u0103 firma de asigur\u0103ri pl\u0103te\u0219te daunele \u0219i apoi le recupereaz\u0103 de la asiguratul vinovat de incident.<br>Schimb\u0103rile au fost explicate de vicepre\u0219edintele ASF pentru asigur\u0103ri, Sorin Mititelu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Se va lua \u00een calcul pentru poli\u021ba RCA istoricul de amenzi<\/h2>\n\n\n\n<p>Actualul punctaj de <em>bonus malus<\/em> deja c\u00e2\u0219tigat de \u0219oferi va r\u0103m\u00e2ne \u00een vigoare, dar se are \u00een vedere o extindere a acestuia.<\/p>\n\n\n\n<p><strong><em>\u201e\u00cen primul r\u00e2nd, vom introduce noi criterii pentru tot ce \u00eenseamn\u0103 malus, unele dintre ele aduse de foarte multe ori \u00een aten\u021bia public\u0103. De exemplu, s\u0103 se \u021bin\u0103 cont dac\u0103 dauna a fost produs\u0103 \u00eentr-un eveniment rutier care a condus la o v\u0103t\u0103mare corporal\u0103. Actualul sistem nu are \u00een vedere nici dac\u0103 a fost o daun\u0103 total\u0103 cu victime sau f\u0103r\u0103 victime. Mai sunt \u0219i altele. <\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><em>\u201eIstoricul de amenzi pe ultimul an va fi luat \u00een calcul.\u201d<\/em><\/strong><\/h2>\n\n\n\n<p>\u201e<strong><em>Aici avem \u00een vedere, binen\u021beles, amenzile rutiere. E posibil s\u0103 lu\u0103m \u00een considerare \u0219i dac\u0103 dauna s-a \u00eent\u00e2mplat \u00een Rom\u00e2nia sau \u00een afara \u021b\u0103rii, av\u00e2nd \u00een vedere c\u0103 sunt diferen\u021be foarte mari \u00eentre valorile daunei medii. Acestea sunt principalele elemente.<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>Ideea este de a aduce rezultatul de fond al acestui sistem la un nivel de rezonablitate. Ce este c\u00e2\u0219tigat este un drept c\u00e2\u0219tigat, deci toat\u0103 lumea r\u0103m\u00e2ne \u00een acest sistem bonus-malus. Ceea ce avem \u00een vedere este extinderea plajei, mai ales la bonus, astfel \u00eenc\u00e2t s\u0103 nu ne oprim la B8. Va fi nevoie de o ajustare a nivelelor \u0219i de malusare \u0219i de bonusare. Acest sistem nu trebuie s\u0103 \u00eencarce prima de risc a fiec\u0103rui asigur\u0103tor. Pentru asigur\u0103tor este un joc cu sum\u0103 nul\u0103, pentru c\u0103 adaug\u0103 rezultatul acestui sistem la prima lui, deci el nu are un impact, dar noi, asigura\u021bii, vom fi impacta\u021bi\u201d<\/em><\/strong>, a explicat vicepre\u0219edintele ASF.<\/p>\n\n\n\n<p>Noile poli\u021be RCA vor putea fi pl\u0103tite inclusiv \u00een 12 rate lunare. Dar num\u0103rul de rate poate varia la cererea asiguratului.<\/p>\n\n\n\n<p><strong><em>\u201eAvem \u00een vedere ca m\u0103sura s\u0103 se aplice doar contractelor cu valabilitate de un an. Mai departe, posibilitatea de plat\u0103 \u00een rate s\u0103 fie lunar\u0103, trimestrial\u0103 sau semestrial\u0103<\/em><\/strong>.<strong><em> Adic\u0103, \u00een 12 rate, \u00een patru sau \u00een dou\u0103 rate. Ca \u0219i la fran\u0219iz\u0103, este un drept al asiguratului \u0219i o obliga\u021bie a asigur\u0103torului\u201d,<\/em><\/strong> a conchis vicepre\u0219edintele ASF.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Autoritatea de Supraveghere Financiar\u0103 (ASF) a ini\u021biat un amplu proiect de modificare a poli\u021belor RCA. Se va l\u0103rgi aria de aplicare a sistemului bonus malus, va ap\u0103rea posibilitatea de a pl\u0103ti RCA \u00een rate lunare sau semestriale \u0219i va ap\u0103rea un nou sistem numit \u201dfran\u0219iz\u0103\u201d. Acesta va fi destul de aproapiat de CASCO, \u00een sensul [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4963,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[282,46,1702,148],"class_list":{"0":"post-4962","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-asf","9":"tag-lege","10":"tag-modificare","11":"tag-rca"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Poli\u021bele RCA se modific\u0103 substan\u021bial - Covasna45<\/title>\n<meta name=\"description\" content=\"Se va l\u0103rgi aria de aplicare a sistemului bonus malus, va ap\u0103rea posibilitatea de a pl\u0103ti RCA \u00een rate lunare sau semestriale\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/politele-rca-se-modifica-substantial\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poli\u021bele RCA se modific\u0103 substan\u021bial - 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