{"id":41347,"date":"2025-03-21T12:45:46","date_gmt":"2025-03-21T12:45:46","guid":{"rendered":"https:\/\/247stiri.ro\/index.php\/2025\/03\/21\/reactie-dura-in-rca-dupa-decizia-iccj-care-da-dreptate-unui-asigurator-care-a-refuzat-plata-integrala-a-reparatiei-florin-pandele-o-singura-decizie-nu-valideaza-abuzurile-firmelor-de-asigurari\/"},"modified":"2025-03-21T12:45:46","modified_gmt":"2025-03-21T12:45:46","slug":"reactie-dura-in-rca-dupa-decizia-iccj-care-da-dreptate-unui-asigurator-care-a-refuzat-plata-integrala-a-reparatiei-florin-pandele-o-singura-decizie-nu-valideaza-abuzurile-firmelor-de-asigurari","status":"publish","type":"post","link":"https:\/\/247stiri.ro\/index.php\/2025\/03\/21\/reactie-dura-in-rca-dupa-decizia-iccj-care-da-dreptate-unui-asigurator-care-a-refuzat-plata-integrala-a-reparatiei-florin-pandele-o-singura-decizie-nu-valideaza-abuzurile-firmelor-de-asigurari\/","title":{"rendered":"Reac\u021bie dur\u0103 \u00een RCA, dup\u0103 decizia ICCJ care d\u0103 dreptate unui asigur\u0103tor care a refuzat plata integral\u0103 a repara\u021biei. Florin Pandele: O singur\u0103 decizie nu valideaz\u0103 abuzurile firmelor de asigur\u0103ri"},"content":{"rendered":"

Decizia ICCJ ap\u0103rut\u0103 \u00een pres\u0103 nu prezint\u0103 nicio relevan\u021b\u0103 raportat la modul de acordare a desp\u0103gubirilor RCA conform legisla\u021biei \u00een domeniu, \u0219i vizeaz\u0103 strict \u0219i exclusiv cererea formulat\u0103 de societatea de asigur\u0103ri Grawe pentru anularea unei sanc\u021biuni punctuale care i-a fost aplicat\u0103 de c\u0103tre ASF pentru o anumit\u0103 neregul\u0103 din activitatea acestui asigur\u0103tor, spune Florentin Pandele, \u00eentr-un comunicat.<\/p>\n

„Este evident c\u0103 Decizia ICCJ nu a fost pronun\u021bat\u0103 \u00een cadrul unui mecanism de unificare a practicii, ci \u00eentr-un caz de spe\u021b\u0103, \u00een care instan\u021ba de contencios administrativ a fost sesizat\u0103 cu privire la pretinsele probleme ale m\u0103surii de sanc\u021bionare dispuse de ASF \u00eentr-un caz concret ce viza Grawe.<\/p>\n

Subliniem c\u0103 hot\u0103r\u00e2rile pronun\u021bate de ICCJ \u2014 Sec\u021bia de contencios administrativ \u0219i fiscal \u2014 \u00een solu\u021bionarea cauzelor pe fond sau \u00een apel \u2014 nu sunt obligatorii pentru celelalte instan\u021be \u0219i nici pentru alte persoane \u00een afara celor care au fost parte la litigiu (Grawe si ASF, \u00een situa\u021bia de fa\u021b\u0103). De asemenea, astfel de Decizii nu pot fi asimilate, \u00een niciun caz, unor eventuale hot\u0103r\u00e2ri pronun\u021bate de \u00ceCCJ \u00a0\u00een completul pentru dezlegarea unor chestiuni de drept (art. 519 \u0219i urm. Cod procedur\u0103 civil\u0103) sau \u00een cadrul recursului \u00een interesul legii \u2013 nu ne afl\u0103m \u00een acest caz.<\/p>\n

Or, jurispruden\u021ba nu este izvor de drept \u00een Rom\u00e2nia, iar Decizia sus-men\u021bionat\u0103, care este criticabil\u0103 sub mai multe aspecte, nu este general obligatorie \u0219i nici nu produce efecte fa\u021b\u0103 de ter\u021bi. De altfel, potrivit art. 5 alin. (4) C.proc.civ.: \u201eeste interzis judec\u0103torului s\u0103 stabileasc\u0103 dispozi\u021bii general obligatorii prin hot\u0103r\u00e2rile pe care le pronun\u021b\u0103 \u00een cauzele ce \u00eei sunt supuse judec\u0103\u021bii\u201d.<\/p>\n

Decizia nu d\u0103 o dezlegare universal valabil\u0103 problemei acord\u0103rii de desp\u0103gubiri RCA la timp \u0219i integral \u0219i nu valideaz\u0103 practicile abuzive ale societ\u0103\u021bilor de asigurare, ci se limiteaz\u0103 la analiza unei situa\u021bii \u00een care Grawe fusese sanc\u021bionat\u0103 de c\u0103tre ASF pentru \u00eenc\u0103lcarea legisla\u021biei \u00een domeniul desp\u0103gubirilor RCA, \u00eentr-o spe\u021b\u0103 concret\u0103.<\/p>\n

Subliniez c\u0103 aceast\u0103 Decizie nu influen\u021beaz\u0103 \u00een niciun fel cele peste 100.000 de procese c\u00e2\u0219tigate de consumatori \u0219i unit\u0103\u021bi service \u00eempotriva asigur\u0103torilor, unde rata de succes dep\u0103\u0219e\u0219te 90%. Solicit publica\u021biei Economica s\u0103 rectifice urgent titlul \u0219i con\u021binutul articolului \u0219i s\u0103 clarifice faptul c\u0103 Decizia ICCJ nu are nicio implica\u021bie asupra drepturilor persoanelor prejudiciate de a fi desp\u0103gubite conform legii, ci se refer\u0103 strict la un litigiu \u00een contencios administrativ privind o amend\u0103 aplicat\u0103 de ASF pentru \u00eenc\u0103lcarea legisla\u021biei aplicabile de c\u0103tre acest asigur\u0103tor.<\/p>\n

\u00cen mod regretabil, ASF continu\u0103 s\u0103 \u201emimeze\u201d aplicarea sanc\u021biunilor \u00eempotriva asigur\u0103torilor, \u00een timp ce ace\u0219tia \u00eencalc\u0103 zilnic legea \u0219i refuz\u0103 s\u0103 \u00ee\u0219i respecte obliga\u021biile de acordare a desp\u0103gubirilor \u00een mod integral \u0219i la timp. \u00cen loc s\u0103 exercite un control riguros asupra companiilor de asigur\u0103ri, ASF prefer\u0103 s\u0103 concedieze abuziv propriii angaja\u021bi care au semnalat nereguli \u0219i care au devenit avertizori de integritate.<\/p>\n

Aceast\u0103 lips\u0103 de ac\u021biune a ASF permite companiilor de asigur\u0103ri s\u0103 continue zilnic practicile abuzive, afect\u00e2nd \u00een mod grav \u0219i ireversibil consumatorii \u0219i \u00eentreaga industrie de repara\u021bii auto. Nu \u00eent\u00e2mpl\u0103tor gradul de \u00eencredere al cet\u0103\u021benilor \u00een ASF se afl\u0103 sub 10%”, mai spune acesta.\u00a0<\/p>\n

Cite\u0219te continuarea<\/a>.<\/p>\n

\u00a0<\/p>","protected":false},"excerpt":{"rendered":"

Decizia ICCJ ap\u0103rut\u0103 \u00een pres\u0103 nu prezint\u0103 nicio relevan\u021b\u0103 raportat la modul de acordare a…<\/p>\n","protected":false},"author":0,"featured_media":41348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-41347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actual"],"_links":{"self":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/41347","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/comments?post=41347"}],"version-history":[{"count":0,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/posts\/41347\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media\/41348"}],"wp:attachment":[{"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/media?parent=41347"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/categories?post=41347"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/247stiri.ro\/index.php\/wp-json\/wp\/v2\/tags?post=41347"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}