{"id":20650,"date":"2021-09-19T01:47:00","date_gmt":"2021-09-19T00:47:00","guid":{"rendered":"https:\/\/catalinx.ro\/wordpress\/?p=20650"},"modified":"2021-09-17T14:22:07","modified_gmt":"2021-09-17T13:22:07","slug":"falimentul-city-insurance-privit-in-oglinda","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=20650","title":{"rendered":"Falimentul City Insurance privit in oglind\u0103"},"content":{"rendered":"
<\/div>\n\n

Compania asta<\/a>, ca \u0219i Carpatica \u0219i p\u00e2n\u0103 la un punct Euroins, sunt oglinda rom\u00e2nului \u00eentrerinz\u0103tor, care \u0219tie el o combina\u021bie, dar e s\u0103rac \u0219i ho\u021b. <\/p>\n\n\n\n

\u0218i cam asta e toat\u0103 povestea falimentului cu varia\u021biuni, \u00eentr-o gr\u0103mad\u0103 de acte. <\/p>\n\n\n\n

Tema public\u0103 ce le-a permis \u0103stora existen\u021ba \u0219i practicarea de pre\u021buri mici a fost – nu scumpi\u021bi, dom’ne, asigur\u0103rile c\u0103 nu \u0219i le pot permite rom\u00e2nii. <\/p>\n\n\n\n

Care sunt, \u00eens\u0103, factorii care determin\u0103 pre\u021bul asigur\u0103rilor, sintetic vorbind?<\/p>\n\n\n\n

1 – Costul serviciilor oferite<\/p>\n\n\n\n

2 – Valoarea ad\u0103ugat\u0103, aka profitul, c\u0103 nimeni nu ofer\u0103 servicii gratis. <\/p>\n\n\n\n

Ce determin\u0103 costurile?<\/p>\n\n\n\n

  1. Rata de producere de evenimente rutiere. Care \u00een Rom\u00e2nia e la rate printre cele mai mari din Europa.<\/li>
  2. Valoarea materiala de repara\u021bie\/ compensa\u021bie a pagubelor. Care \u00een Rom\u00e2nia e \u00een medie printre cele mai MICI din Europa, datorit\u0103, sau din cauza – parcului auto preponderent \u00eenvechit \u0219i a costului muncii din cele mai reduse. <\/li>
  3. Profitul \u0219i-l determin\u0103 fiecare companie. \u00cen cazul de fa\u021b\u0103 vorbim, evident de lipsa lui, din moment ce discut\u0103m de faliment. <\/li><\/ol>\n\n\n\n

    Falimentul nu este \u00eens\u0103 doar al companiei, c\u0103 nu-mi prea pas\u0103 de asta, ci al unui sistem defect din toate punctele de vedere. C\u0103ci problema de baz\u0103 este c\u0103 toat\u0103 lumea fur\u0103. <\/strong><\/p>\n\n\n\n

    Rom\u00e2nul care face o combina\u021bie s\u0103 repare pe asigurare chestii care nu se repar\u0103, care face combina\u021bii s\u0103 \u00eencheie la repezeal\u0103 un RCA dup\u0103 accident \u0219i raporteaz\u0103 accidentul PE URM\u0102 – da, da, se fac continuu din anii ’90, c\u0103 \u0219tiu eu, nu v\u0103 fofila\u021bi. <\/p>\n\n\n\n

    Rom\u00e2nul de la service care \u0219tie c\u0103 prime\u0219te oricum banii greu, nu e mul\u021bumit cu ora de service ieftin\u0103 \u0219i are eventual blat cu inspectorul de asigur\u0103ri al companiei ( care lucreaz\u0103 parazit pe l\u00e2ng\u0103 service-ul \u0103la) \u0219i care bag\u0103 \u00een ele, c\u0103 se aprob\u0103. Inspectorul de asigur\u0103ri care face \u0219i el asta \u0219i tot a\u0219a, \u00eentr-o hor\u0103 a ho\u021bilor, \u00een care devine dificil s\u0103 decontezi furtul pentru c\u0103 clientul final, siguratul \u0219tie \u0219i el asta \u0219i decide s\u0103 pl\u0103teasc\u0103 – pe bun\u0103 dreptate, \u00een refrenul de mai sus, asigurarea cea mai ieftin\u0103, c\u0103 oricum calitatea serviciilor e de c\u0103cat. <\/p>\n\n\n\n

    RCA-ul e, \u00een spe\u021b\u0103, un jeg de serviciu de care nu beneficiaz\u0103 nimeni corect, dar e acolo doar s\u0103 \u00eencurce \u0219i \u201ds-o dea la pace cumva\u201d \u00een orice litigiu. <\/p>\n\n\n\n

    Dac\u0103 nu ar exista, c\u00e2nd ai fi lovit, ar \u00eencepe o disput\u0103 la tribunal cu prinde orbul scoate-i ochii, ne-am da to\u021bi s\u0103raci, n-am pl\u0103ti, p\u0103gubitul n-ar avea ce s\u0103 execute \u00een s\u0103r\u0103cia noastr\u0103, c\u0103 n-am deveni peste noapte cinsti\u021bi. Sau ar crea probleme sociale majore, oameni r\u0103ma\u0219i f\u0103r\u0103 case. <\/p>\n\n\n\n

    A\u0219a , dac\u0103 \u021bi-a str\u00e2mbat unu rabla iese un fel de \u201dce vrei, coaie, se mai \u00eent\u00e2mpl\u0103, mergi \u0219i tu mai atent, p\u00e2n\u0103 atunci ia asigurarea \u0219i \u0219terge-te cu ea la cur<\/s> repar\u0103 ma\u0219ina. Din p\u0103r\u021bi. <\/p>\n\n\n\n

    \u00cen teorie, asta ne-ar face s\u0103 mergem mai aten\u021bi. \u00cen practic\u0103 \u0103ia care cauzeaz\u0103 accidente sunt de regul\u0103 oameni c\u0103rora nu le pas\u0103 – le convine costul ieftin al asigur\u0103rii, iar ma\u0219ina lor fie e o rabl\u0103 ieftin\u0103, fie \u00ee\u0219i permit CASCO a\u0219a c\u0103 muie. <\/p>\n\n\n\n

    Iar tema actual\u0103 politic\u0103 e PENTRU p\u0103strarea status quo-ului<\/a>: asigur\u0103ri ieftine, responsabilitate redus\u0103, dar s\u0103 mearg\u0103 treaba f\u0103r\u0103 scandaluri mari, s\u0103 \u00ee\u0219i permit\u0103 cet\u0103\u021beanul s\u0103rac \u0219i ho\u021b costul. <\/p>\n\n\n\n

    Se umbl\u0103 un pic la pre\u021bul de referin\u021b\u0103 al orei de service, dar nu-i bai paradigma r\u0103m\u00e2ne la fel. Orice desp\u0103gubire e limitat\u0103 \u00een sus de valoarea la care se stabile\u0219te drept \u201ddaun\u0103 total\u0103\u201d. Dac\u0103 ora de service trebuie s\u0103 fie normat\u0103 \u00eentr-un cadru referen\u021bial , vom avea mai multe ore de service pe un deviz \u0219i piese ( SH, c\u0103 se \u0219tie c\u0103 la rable se mai \u00eent\u00e2mpl\u0103 c\u0103 nu accept\u0103 asigur\u0103torul \u00eenlocuirea cu din cele noi, mai ales estetice) mai scumpe. Simplu. <\/p>\n\n\n\n

    Singurul fel \u00een care poate func\u021biona asta e impunerea unui interval rezonabil de expertiz\u0103 solu\u021bionare a dosarului ( asta \u00eensemn\u00e2nd aprobarea repara\u021biei ) de zile, nu luni, \u00een caz contrar permi\u021b\u00e2ndu-i-se p\u0103gubitului, s\u0103-\u0219i caute expert tehnic independent pentru aprobarea devizului, ale c\u0103rui costuri s\u0103 fie de referin\u021b\u0103 \u0219i decontate de asigur\u0103tor, repara\u021bie pe cont propriu \u0219i decontare cu executare ( execu\u021bie) din oficiu. Adic\u0103 m\u0103 duc la ASF cu factura \u0219i dovada \u00eent\u00e2rz\u00e2ierii dosarului, ASF d\u0103 un click, banii zboar\u0103 din contul asigur\u0103torului no question asked ( cand se termin\u0103 banii, ASF interzice asigur\u0103torului emiterea de noi asigur\u0103ri p\u00e2n\u0103 la remediere, sau declan\u0219eaz\u0103 procedura de insolven\u021b\u0103 \/ faliment, dac\u0103 e cazul).<\/p>\n\n\n\n

    FIe a\u0219a fie, asigur\u0103torii sunt obliga\u021bi s\u0103 ofere servicii de RCA cu decontare direct\u0103, nu \u201dla alegere\u201d cu supratax\u0103 \u0219i fiecare client \u00ee\u0219i alege unde-\u0219i face asigurarea, \u00een func\u021bie de dac\u0103 \u00ee\u0219i vrea ma\u0219ina reparat\u0103 mai repede, mai t\u00e2rziu sau deloc. <\/p>\n\n\n\n

    Tot ne-au min\u021bit c\u0103 acuma \u00eencepe decontarea direct\u0103 obligatorie<\/a>, dar nu e cazul. S-au opus proiectului<\/a>, fix ho\u021bii. <\/p>\n\n\n\n

    Prin urmare \u201ds\u0103 fura\u021bi s\u0103r\u0103ci\u021bi!\u201d c\u0103 altceva nu \u0219tiu ce s\u0103 zic. Poverty wins. Flawless victory!<\/p>\n","protected":false},"excerpt":{"rendered":"

    Compania asta, ca \u0219i Carpatica \u0219i p\u00e2n\u0103 la un punct Euroins, sunt oglinda rom\u00e2nului \u00eentrerinz\u0103tor, care \u0219tie el o combina\u021bie, dar e s\u0103rac \u0219i ho\u021b.…<\/p>\n","protected":false},"author":2,"featured_media":17033,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,170],"tags":[4606],"class_list":["post-20650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-politice","tag-falimentul-city-insurance"],"views":1172,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2020\/02\/poverty-wins.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-5n4","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20650"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20650\/revisions"}],"predecessor-version":[{"id":20651,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/20650\/revisions\/20651"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/17033"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20650"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}