„Ne \u00eentreb\u0103m dac\u0103 avem o institu\u021bie de supraveghere financiar\u0103 sau o simpl\u0103 marionet\u0103 a unor companii de asigur\u0103ri. ASF demonstreaz\u0103 constant c\u0103 serve\u0219te interesele corpora\u021biilor din domeniul asigur\u0103rilor, fiind complice la cre\u0219terea nejustificat\u0103 \u0219i continu\u0103 a pre\u021burilor RCA, inclusiv \u00een timpul perioadei de a\u0219a-zis\u0103 \u201eplafonare\u201d a acestor tarife”, anun\u021b\u0103 COTAR, \u00eentr-un comunicat de pres\u0103.<\/p>\n
\u00a0<\/p>\n
Date care nu justific\u0103 scumpirile RCA:<\/p>\n
Frecven\u021ba daunelor este \u00een sc\u0103dere:<\/p>\n
An\u00a0 Num\u0103r Daune\u00a0\u00a0 Frecven\u021b\u0103 Daune<\/p>\n
2020\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 358.683\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5,7%<\/p>\n
2021\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 396.791\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6,0%<\/p>\n
2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 381.500\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5,5%<\/p>\n
2023\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 372.320\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5,1%<\/p>\n
2024\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 368.862\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,9%<\/p>\n
\u00a0<\/p>\n
Se poate observa c\u0103 frecven\u021ba daunelor este la cel mai sc\u0103zut nivel din ultimii 5 ani. \u00cen 2024, num\u0103rul daunelor este comparabil cu anul 2020, c\u00e2nd restric\u021biile pandemice au limitat circula\u021bia. \u00cen ciuda cre\u0219terii continue a num\u0103rului de autovehicule, frecven\u021ba daunelor a sc\u0103zut la 4,9% \u00een 2024, fa\u021b\u0103 de 5,7% \u00een 2020.<\/p>\n
\u00a0<\/p>\n
Severitatea daunelor \u2013 cre\u0219tere moderat\u0103:<\/p>\n
\u00a0<\/p>\n
An\u00a0 Severitate Medie Daune (lei)<\/p>\n
2020\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 10.126<\/p>\n
2021\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 9.470<\/p>\n
2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 10.251<\/p>\n
2023\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 12.350<\/p>\n
2024\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 12.427<\/p>\n
\u00a0<\/p>\n
Se poate observa c\u0103 desp\u0103gubirea medie pl\u0103tit\u0103 de firmele de asigur\u0103ri a crescut cu doar 1% \u00een ultimele 12 luni dar poli\u021b\u0103 RCA a crescut cu p\u00e2n\u0103 la 100%, de\u0219i asigura\u021bii au chiar \u0219i B8.<\/p>\n
\u00a0<\/p>\n
Se observ\u0103 un dezechilibru nejustificat:<\/p>\n
\u00a0<\/p>\n
Sc\u0103dere frecven\u021b\u0103 daune: -2% (2023: 5,1% \u2192 2024: 4,9%)Cre\u0219tere severitate daune: +1%<\/p>\n
Ace\u0219ti indicatori ar fi trebuit s\u0103 conduc\u0103 la sc\u0103derea pre\u021burilor RCA, nu la dublarea lor.<\/p>\n
Astfel, sus\u021bine COTAR, se demonstreaz\u0103 c\u0103 ASF este complice la manipularea pre\u021burilor RCA. \u00cen loc s\u0103 ajusteze tarifele RCA, \u00een baza unor date obiective, firmele de asigur\u0103ri, cu sprijinul ASF, au schimbat criteriile de calcul al pre\u021burilor: <\/p>\n
Introducerea \u00eemp\u0103r\u021birii geografice: Bucure\u0219ti vs. restul \u021b\u0103rii.\u0218oferii din Bucure\u0219ti pl\u0103tesc tarife RCA cu 50% mai mari.\u00cen restul \u021b\u0103rii, pre\u021burile au crescut f\u0103r\u0103 justificare, chiar \u0219i cu 100% \u00een unele cazuri.<\/p>\n
Exemplu concret:<\/p>\n
\u00cen decembrie 2023, un \u0219ofer din Media\u0219 pl\u0103tea 673 lei pentru RCA.\u00cen decembrie 2024, aceea\u0219i poli\u021b\u0103 cost\u0103 1.240 lei, cu acela\u0219i istoric Bonus 8 \u0219i aceea\u0219i firm\u0103 de asigurare.<\/p>\n
\u00a0<\/p>\n
„Am mai demonstrat aceste anomalii, prin cazuri concrete, precum acest caz de la Media\u0219: un autoturism care, \u00een perioada analizat\u0103 (2021-2025), a avut acela\u0219i proprietar, cu acela\u0219i domiciliu \u0219i acela\u0219i istoric de daune (clas\u0103 de bonus maxim\u0103 – B8):<\/p>\n
\u00a0<\/p>\n
2021: RCA 12 luni \u2013 358 lei2022: RCA 12 luni \u2013 727 lei2023: RCA 12 luni \u2013 630 lei2024: RCA 12 luni \u2013 673 lei2025: RCA 12 luni \u2013 1.240 lei<\/p>\n
\u00a0<\/p>\n
Aceast\u0103 cre\u0219tere alarmant\u0103 de aproape 300% \u00een cinci ani \u2013 cu o dublare doar \u00een ultimul an \u2013 s-a produs f\u0103r\u0103 o justificare economic\u0103 valid\u0103, \u00een absen\u021ba unor daune sau schimb\u0103ri\u00a0\u00een profilul asigur\u0103tului. Guvernul nu poate \u00eenchide ochii la nesf\u00e2r\u0219it \u00een fa\u021ba complicit\u0103\u021bii ASF la abuzurile asigur\u0103torilor. Responsabilitatea este a ASF \u0219i a domnului Sorin Mititelu.\u00a0ASF, institu\u021bia care ar trebui s\u0103 protejeze consumatorii \u0219i s\u0103 vegheze la respectarea legisla\u021biei \u00een domeniul asigur\u0103rilor, a demonstrat o atitudine pasiv\u0103. Mai grav, vicepre\u0219edintele ASF, Sorin Mititelu, direct responsabil de sectorul asigur\u0103rilor, nu a luat m\u0103suri concrete pentru a \u00eempiedica aceste abuzuri.<\/p>\n
\u00cen acest an, \u00een timp ce aten\u021bia public\u0103 era concentrat\u0103 asupra campaniei electorale, companiile de asigur\u0103ri au dublat pre\u021burile poli\u021belor RCA, profit\u00e2nd de o presupus\u0103 plafonare ineficient\u0103 impus\u0103 de Guvernul Rom\u00e2niei, iar ASF nu a f\u0103cut nimic pentru a opri aceste ac\u021biuni abuzive ale companiilor de asigur\u0103ri.<\/p>\n
\u00cen urma tuturor sesiz\u0103rilor pe care COTAR le-a f\u0103cut, am constatat c\u0103 ASF ignor\u0103 realitatea din teren. Vicepre\u0219edintele ASF, Sorin Mititelu, \u00een ciuda unui salariu de aproximativ 20.000 de euro pe lun\u0103 (salariu care st\u00e2rne\u0219te invidia a multor pre\u0219edin\u021bi de stat din UE) a afirmat c\u0103 unele companii de asigur\u0103ri calculeaz\u0103 tarifele RCA inclusiv \u00een func\u021bie de culoarea autovehiculului.<\/p>\n
Mai mult, controalele din vara anului 2024 nu au identificat nicio neregul\u0103 la firmele de asigur\u0103ri, de\u0219i \u0219oferii rom\u00e2ni se confrunt\u0103 cu scumpiri evidente azi poli\u021ba RCA fiind mai scump\u0103 ca una similar\u0103 \u00een Germania. \u00cen condi\u021biile \u00een care o Hot\u0103r\u00e2re de Guvern prevede plafonarea pre\u021burilor RCA \u00eenc\u0103 din 2023, dar aceasta este \u00een mod flagrant ignorat\u0103, ne \u00eentreb\u0103m dac\u0103 ASF este o institu\u021bie mai puternic\u0103 dec\u00e2t Guvernul \u0219i Parlamentul Rom\u00e2niei”, mai sus\u021bine COTAR.<\/p>\n
\u201eDomnule Prim-ministru Marcel Ciolacu, \u00een numele a peste 10 milioane de \u0219oferi pl\u0103titori de RCA \u0219i cet\u0103\u021beni cu drept de vot, v\u0103 adres\u0103m public \u00eentrebarea: Se mai poate face ceva cu aceast\u0103 institu\u021bie profund compromis\u0103, ASF? Dac\u0103 nu, anula\u021bi Hot\u0103r\u00e2rea de Guvern privind plafonarea pre\u021burilor RCA \u0219i redenumi\u021bi institu\u021bia \u00een ceea ce este de fapt: o marionet\u0103 obedient\u0103 a intereselor companiilor de asigur\u0103ri! V\u0103 anun\u021b\u0103m, pe aceast\u0103 cale, c\u0103 transportatorii nu \u00ee\u0219i vor mai putea pl\u0103\u021bi poli\u021bele de asigurare \u00een 2025 \u0219i ne vom muta \u00een fa\u021ba Guvernului, p\u00e2n\u0103 ve\u021bi aduce oameni competen\u021bi la ASF. COTAR consider\u0103 c\u0103 este imperativ\u0103 demiterea de urgen\u021b\u0103 a actualei conduceri a sectorului de asigurari din cadrul ASF \u0219i reformarea din temelii a acestei institu\u021bii, pentru a asigura o pia\u021b\u0103 RCA echitabil\u0103, transparent\u0103 \u0219i \u00een interesul cet\u0103\u021beanului rom\u00e2n. A\u021bi afirmat \u00een nenum\u0103rate r\u00e2nduri ca a\u021bi \u00een\u021beles votul rom\u00e2nilor \u0219i a\u0219tept\u0103m s\u0103 ne demonstra\u021bi acest lucru\u201d, a declarat Vasile \u0218tef\u0103nescu, Pre\u0219edintele COTAR.<\/p>\n
\u00a0<\/p>","protected":false},"excerpt":{"rendered":"
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