Nis nga 1 prilli mbajtja e historikut t\u00eb d\u00ebmeve p\u00ebr drejtuesit e makinave sipas sistemit bonus-malus. Autoriteti i Mbik\u00ebqyrjes Financiare n\u00eb mbledhjen e radh\u00ebs miratoi udh\u00ebzimin \u201cMbi zbatimin e sistemit bonus-malus n\u00eb sigurimin MTPL e brendshme\u201d.<\/p>\n
Udh\u00ebzimi parashikon q\u00eb p\u00ebr nj\u00eb vit do t\u00eb krijohet historiku i d\u00ebmeve t\u00eb shofer\u00ebve, nd\u00ebrsa zbatimi i ligjit t\u00eb ri nis m\u00eb 1 prill 2020. Historiku i d\u00ebmeve q\u00eb do t\u00eb mbahet p\u00ebr shofer\u00ebt do t\u00eb p\u00ebrcaktoj\u00eb se ata q\u00eb kan\u00eb b\u00ebr\u00eb aksidente gjat\u00eb nj\u00eb viti do t\u00eb paguajn\u00eb \u00e7mim m\u00eb t\u00eb lart\u00eb t\u00eb sigurimit, nd\u00ebrsa kush nuk ka kryer aksident do t\u00eb paguaj\u00eb tarif\u00eb m\u00eb t\u00eb ul\u00ebt. N\u00eb udh\u00ebzimin e ri, Autoriteti i Mbik\u00ebqyrjes Financiare parashikon ulje \u00e7mimi edhe p\u00ebr makinat q\u00eb jan\u00eb me fuqi t\u00eb ul\u00ebt motorike.<\/p>\n
\u201cN\u00eb baz\u00eb t\u00eb udh\u00ebzimit t\u00eb miratuar nga Bordi i Autoritetit, krijimi i historikut p\u00ebr v\u00ebnien n\u00eb zbatim t\u00eb sistemit fillon m\u00eb 1 prill 2019. P\u00ebrve\u00e7 historikut t\u00eb d\u00ebmeve (\u2018BonusMalus\u2019), faktor\u00eb t\u00eb tjer\u00eb risku q\u00eb ndikojn\u00eb direkt n\u00eb \u00e7mimin e primit t\u00eb sigurimit jan\u00eb edhe territori, ku qarkullon mjeti dhe fuqia motorike e tij\u201d, sqaroi Autoriteti i Mbik\u00ebqyrjes Financiare.<\/p>\n
SI DO T\u00cb LLOGARITET SIGURACIONI<\/p>\n
Sistemi bonus-malus p\u00ebr \u00e7mimet e siguracioneve parashikon q\u00eb shofer\u00ebt t\u00eb ndahen n\u00eb 18 kategori t\u00eb ndryshme.<\/p>\n
Gazeta boton tabel\u00ebn e koeficient\u00ebve sipas \u00e7do klase. P\u00ebr \u00e7do kategori \u00ebsht\u00eb vendosur edhe nj\u00eb koeficient. Ky koeficient \u00ebsht\u00eb m\u00eb i lart\u00eb p\u00ebr ata shofer\u00eb q\u00eb b\u00ebjn\u00eb aksidente dhe m\u00eb i ul\u00ebt p\u00ebr ata q\u00eb nuk b\u00ebjn\u00eb t\u00eb tilla. N\u00eb var\u00ebsi t\u00eb historikut t\u00eb aksidenteve t\u00eb \u00e7do shoferi do t\u00eb ndryshoj\u00eb edhe \u00e7mimi i siguracionit.<\/p>\n
Referuar tabel\u00ebs, p\u00ebr klas\u00ebn e par\u00eb, koeficienti \u00ebsht\u00eb 0.5, nd\u00ebrsa p\u00ebr klas\u00ebn e 18-t\u00eb shkon n\u00eb 2. Sipas k\u00ebtij sistemi parashikohej q\u00eb t\u00eb gjith\u00eb shofer\u00ebt, si dhe drejtuesit e rinj, pas hyrjes n\u00eb fuqi t\u00eb ligjit t\u00eb regjistrohen n\u00eb klas\u00ebn e 13-t\u00eb, ose si\u00e7 njihet ndryshe klasa hyr\u00ebse, e cila do t\u00eb aplikohet mbi primin e rrezikut me koeficient me vler\u00eb t\u00eb barabart\u00eb me 1\u2033.<\/p>\n
P\u00ebr klasat nga 1 n\u00eb 12, koeficienti do t\u00eb zvog\u00eblohet, nd\u00ebrsa p\u00ebr klasat nga 14 deri n\u00eb 18 do t\u00eb rritet. N\u00eb udh\u00ebzim jan\u00eb parashikuar edhe si do b\u00ebhet zhvendosja e shofer\u00ebve nga nj\u00eb klas\u00eb n\u00eb tjetr\u00ebn. Ulja e klas\u00ebs s\u00eb riskut me nj\u00eb klas\u00eb n\u00eb rastet e t\u00eb siguruarit q\u00eb nuk shkakton asnj\u00eb aksident gjat\u00eb vitit t\u00eb kontrat\u00ebs, ku p\u00ebrfiton ulje t\u00eb \u00e7mimit. N\u00eb rast se shoferi shkakton nj\u00eb aksident gjat\u00eb nj\u00eb viti do t\u00eb rritet n\u00eb dy klas\u00eb.<\/p>\n
N\u00ebse shkakton dy, tre apo dhe kat\u00ebr aksidente gjat\u00eb vitit do t\u00eb rritet me pes\u00eb klas\u00eb t\u00eb riskut. Rritja e klas\u00ebs n\u00eb baz\u00eb t\u00eb aksidenteve do t\u00eb thot\u00eb rritje t\u00eb koeficent\u00ebve p\u00ebr llogaritjen e siguracionit, \u00e7ka sjell automatikisht q\u00eb ata q\u00eb kryejn\u00eb aksidente do t\u00eb paguajn\u00eb \u00e7mime m\u00eb t\u00eb larta se t\u00eb tjer\u00ebt. N\u00eb rast se nj\u00eb shofer nuk ka b\u00ebr\u00eb asnj\u00eb aksident nga data e hyrjes n\u00eb fuqi t\u00eb ligjit, ai klasifikohet n\u00eb klas\u00ebn e 13t\u00eb, s\u00eb cil\u00ebs i p\u00ebrket koeficien ti 1, shkruan Panorama.<\/p>\n
Pra, siguracioni i tij do t\u00eb jet\u00eb 16 mij\u00eb lek\u00eb (16.000 x 1). N\u00eb rast se nj\u00eb shofer ka b\u00ebr\u00eb aksident, ai do t\u00eb rritet n\u00eb klas\u00eb. Pra, n\u00eb k\u00ebt\u00eb rast shkon n\u00eb klas\u00ebn 15. Klasa e 15 ka nj\u00eb koeficient 1.3. Shoferi do t\u00eb duhet t\u00eb sigurohet jo m\u00eb p\u00ebr 16 mij\u00eb lek\u00eb, por p\u00ebr 20.800 lek\u00eb (16.000 x 1.3). Pra 40,800 lek\u00eb m\u00eb shtrenjt\u00eb.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Nis nga 1 prilli mbajtja e historikut t\u00eb d\u00ebmeve p\u00ebr drejtuesit e makinave sipas sistemit bonus-malus. Autoriteti i Mbik\u00ebqyrjes Financiare n\u00eb mbledhjen e radh\u00ebs miratoi udh\u00ebzimin \u201cMbi zbatimin e sistemit bonus-malus n\u00eb sigurimin MTPL e brendshme\u201d. Udh\u00ebzimi parashikon q\u00eb p\u00ebr nj\u00eb vit do t\u00eb krijohet historiku i d\u00ebmeve t\u00eb shofer\u00ebve, nd\u00ebrsa zbatimi i ligjit t\u00eb […]<\/p>\n","protected":false},"author":2013,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,235],"tags":[],"class_list":{"0":"post-76569","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-aktualitet","7":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/76569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2013"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=76569"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/76569\/revisions"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=76569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=76569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=76569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}