🔵DESASTRE EN BAHÍA BLANCA: ¿QUÉ CUBREN LAS COMPAÑÍAS DE SEGUROS?

HighlightNow

🔵DESASTRE EN BAHÍA BLANCA: ¿QUÉ CUBREN LAS COMPAÑÍAS DE SEGUROS?  #A24

Transcript

00:00With this phrase that the testimony said, the insurance does not cover it, is that so?

00:04Yes, look, I'm going to talk to you about what is strictly the technicism and what would have to happen for me.

00:11Let's see.

00:11They are two different things.

00:13The insurance, of course, yes, in a vehicle there are different types of coverage.

00:19There is a coverage that covers the civil responsibility only,

00:23which are all the damages that you cause with that vehicle to a third party, whether it is a thing or a person.

00:29And then you can include other types of coverage,

00:33which, for example, total destruction, in this case,

00:37would lead you to the coverage that some cases of these that we are looking at can cover you.

00:43So it all depends on what the coverage is.

00:46Now, Gabriel, what happens when total destruction is the product of a climatic situation,

00:52the small letter, what does it say?

00:54Look, the small letter, in this case, there are companies that have the additional flood,

01:00but in this case, as it is a catastrophe, the vehicle covers that contemplate total destruction,

01:07if so, as in the cases that we are looking at, these cars that are with total destruction,

01:12how is total destruction determined?

01:14That the repair of the vehicle does not exceed 80% of the value.

01:19Repeat it so that it is understood.

01:21That is, if the destruction exceeds 80% of the cost of repair, it no longer covers.

01:28If the repair of the damages of that vehicle exceeds the value,

01:34above 80% of the value of that vehicle,

01:38the company determines total destruction,

01:40and if they are covered by the coverage,

01:42the company must compensate that person as total destruction.

01:47That is, it must be compensated with the total value of the vehicle.

01:50Now, and this is a coverage, what we call vulgarly, against all risks,

01:55which also has this section, or any coverage against all risks covers this type of catastrophe?

02:01No, the difference is that you have a coverage of complete third parties,

02:04which is the one that is normally used in the market,

02:07which is the one that supports total destruction.

02:09The one of all risks protects you from any type of situation that happens to you in the vehicle.

02:14That is, that person who has a coverage of all risks,

02:18the coverage will stop any situation,

02:20a partial damage or a total damage.

02:23That is the difference.

02:24Exactly, because the total damage is the one that we must have a repair above 80% of the value.

02:31The partial damage, that is, a coverage of all risks,

02:34you have covered any situation that may happen to you in the vehicle.

02:38Well, and to get an idea of the percentage of insured vehicles,

02:43how many have this situation covered?

02:46In percentage, in general, in general.

02:49Look, there is always a 40% that you can have.

02:55It all depends on the geographical location and whatever the economic availability.

03:01Because I think of that 60% that sends it lost.

03:05That 60%, most likely, and there is more the percentage,

03:10I do not have a coverage of all risks.

03:12And there is also a very important percentage that will have the coverage of civil liability only,

03:19which does not even cover this possibility that we are facing.

03:23And the loss is total.

03:25And the loss, but never in catastrophic cases.

03:27Maybe I think, Gabriel, let's see, what happened has already happened,

03:31but I think forward, if we do not have to start changing the culture

03:36regarding insurance and perhaps face a slightly higher expense

03:40and think of a more complete coverage.

03:43And yes, the total percentage of the population is very small,

03:48based on the insured population.

03:51Of course, when these types of situations happen,

03:53one sees what is the dimension of insurance coverage.

03:57And really, here, there is also a bit missing,

04:00there is a pending that the insurance industry has,

04:03which is the awareness.

04:04Spread.

04:05Spread.

04:06And well, and we also, the citizens, have to be aware

04:10that there is coverage that must be had.

04:12And they also thought the houses, right?

04:14Sorry, I close with this, because here we see destruction of houses,

04:18absolutely lost appliances.

04:21There, if you are not insured, you were.

04:23There you have to have a family combination,

04:25which is a punctual coverage of your home,

04:28which will cover everything that are the specific issues,

04:32appliances.

04:33They will not cover the houses,

04:35because the house has a specific insurance that is called consortium,

04:39in case they are buildings above all.

04:41And if they are individual houses.

04:43And if they are individual houses,

04:45undoubtedly and indispensably you have to have insurance coverage.

04:49No, but there is no pocket to hold.

04:51Of course, what I also want to convey to the people

04:55who are going through this situation,

04:57in other cases, the insurance industry was supportive.

05:01I believe that here is a moment where the entrepreneur has to be supportive,

05:05beyond the small letter.

05:07Because the function of the entrepreneur

05:09is not only that companies have economic success.

05:13Here is the moment where we have to be supportive.

05:16The sector will do something with this?

05:18The sector has always been supportive in these cases.

05:21I will push from my place,

05:23of course I have made the decision that yes,

05:26and I think that mostly, except for exceptions,

05:29unfortunately, the insurance industry will be supportive.

05:32What does that solidarity mean?

05:34To be supportive, not to be tied to the small letter,

05:37to put on the shoes of the people who are going through this situation,

05:41and that sometimes it is time to win and sometimes it is time to invest.

05:46So today is the moment.

05:48Entrepreneurs not only have a function of making money and leading their companies,

05:55they have a solidarity function,

05:57which is here where we really have to be present.

06:01Gabriel, I have a question because it has to do with the amount of insured that you mentioned,

06:07that most have civil insurance, let's say, or third parties.

06:13However, there is a large percentage that directly does not have insurance.

06:17This is historical in the world of insurance,

06:19and when you go to housing, it is much bigger.

06:23In housing?

06:25Yes, totally, totally.

06:27And when you go to the centers ...

06:29And when you go to the interior, even bigger.

06:31And in the interior, in the second cordon of the interior, even bigger.

06:35There it goes through a question that we are already talking about an economy,

06:40we are talking about something much deeper,

06:42that really there are many things to solve.

06:45But well, there are also the possibilities of mandatory insurances,

06:49which are not as expensive as they are.

06:52But they are not fulfilled.

06:54They are not fulfilled, they are mandatory.

06:56Unfortunately, sometimes they are not fulfilled

06:58because people cannot absorb it because of their economy,

07:01and sometimes there is a part of irresponsibility as well.

07:04Let me give you that.

07:06We add it to Matías de Ambrosio, who is a scientific colleague,

07:10because when we talk about thinking ahead,

07:13of reconfiguring all of us,

07:15of learning, this is what Gabriel was explaining,

07:18that there is a lot to learn.

07:20And obviously, if climate change continues on this path,

07:23there will be more and more to learn.

07:25Totally. When we talk about climate change,

07:27these are issues that scientists have been warning about for 20, 30 or 40 years.

07:32I have been covering these situations for 20 years.

07:35Yes, even in Bahia Blanca.

07:37CONICET and UTN warned.

07:39A report from CONICET in 2012,

07:41one from UTN in 2018 and ...

07:43Nothing.

07:44That is why it is very important to give funding to the scientists

07:47who work on these issues,

07:49and then, with the results,

07:51try to do something with that,

07:53and try to make the cities planned.

07:56Because in Latin America we have a situation

07:58where people are placed where they can,

08:01in places more or less close to the big cities.

08:04But there are also closed neighborhoods

08:06that do not take into account the ecological issue.

08:09This is very important as well,

08:11because as we see, in Bahia Blanca

08:13it was something quite universal.

08:15It affected upper classes and lower classes.

08:18The problem is that it can happen at any time.

08:21And we saw it in the Dana of Valencia.

08:23Of course.

08:25So we have droughts, flooding,

08:27we have problems everywhere,

08:29we have fires.

08:31So it is a situation that must be taken into account

08:33for the future to be planned.

08:35I wanted to focus on insurance,

08:37those who are insured.

08:39Can some insurance companies

08:41set a 72-hour deadline to file a complaint?

08:43Maybe they didn't even have a phone,

08:45and they put it as an excuse

08:47so as not to cover anything?

08:49It would be crazy

08:51if a company

08:53wanted to reject a disaster

08:55by late complaint.

08:57It would be crazy.

08:59They would even have to report it.

09:01If that happens to a person,

09:03they would have to report it.

09:05Why today?

09:07People are seeing how they save their lives,

09:09how they save their belongings.

09:11There is no possibility for me,

09:13beyond the fact that I was talking about

09:15technicality,

09:17that this is part of the letter

09:19of a policy,

09:21that this exists for me.

09:23There is no place to reject

09:25a disaster by late complaint.

09:27And if it happens to someone,

09:29there is the National Insurance Superintendent,

09:31who is the entity that controls

09:33the insurance companies,

09:35and he should not allow it.

09:37I imagine, sorry Facu Marina,

09:39that in Bahia Blanca,

09:41for example in Coronel Rosales,

09:43there are small companies,

09:45there are the big players,

09:47in the metropolitan area,

09:49so I imagine for a small company

09:51they start to put some problems,

09:53and it is not so easy to bank,

09:55as you just mentioned,

09:57that you need help from the nation,

09:59or the province,

10:01or the business chambers.

10:03And above all,

10:05because of their own economic size,

10:07they have the possibility of reassuring.

10:09So it is not an excuse

10:11the dimension of an insurance company.

10:13Ah, you mean that they take coverage

10:15in bigger companies.

10:17I can have a priority

10:19to cover,

10:21but the excess of what I can not cover,

10:23I can reassure

10:25and give part of my business.

10:27That means that I'm staying with a part of my business

10:29that I should not have created.

10:31There is a non-taxed society

10:33between the company

10:35and the insured.

10:37Let's say that

10:39the vehicle

10:41that was, let's say,

10:43damaged,

10:45has no chance of recovery.

10:47Can not be generated, let's say,

10:49as a bond, a link between the company

10:51and the insured,

10:53to scratch the car and shrink,

10:55let's say,

10:57if there is a value of the car armed,

10:59the value of the scratched car

11:01and sell as a piece,

11:03so that the insurer

11:05somehow accompanies the insured.

11:07Very good, Luis Enzo.

11:09Luis, what you tell me,

11:11today there is the SESBI,

11:13that all cars that go to scratch

11:15go to that entity

11:17that controls the scratch

11:19of all vehicles.

11:21Because there has been a lot of handling

11:23and mismanagement in what is vehicle scratch.

11:25Of course that has a cost

11:27and that can accompany that cost

11:29to the one who has no coverage,

11:31that at least

11:33amortizes the damage

11:35that is causing him.

11:37And Camil, I think,

11:39we talk about cars, we talk about houses,

11:41I think, for example, of enterprises,

11:43it is a rural area,

11:45or commercial premises,

11:47there it operates the same as on a property?

11:49There it operates the same as on a property.

11:51Fundamental is that you have

11:53insurance policy.

11:55With insurance policy

11:57it is very difficult to open that fan

11:59and open arms and be supportive,

12:01because we do not generate expectations

12:03that will not be met later.

12:05But with insurance policy,

12:07today the insurance industry

12:09has to be supportive,

12:11but there has to be insurance policy,

12:13otherwise it is very complicated.

12:15The option that you have left

12:17is the line of credit,

12:19we know that credits are being launched

12:21with Tanzablanda, both in the nation

12:23and in the world,

12:25it is a credit,

12:27that is, there is a loan that you are taking

12:29and you have to pay it back.

12:31It goes more for the financial industry.

12:33I keep thinking,

12:35this is what we were talking about,

12:37Horacio, if the Argentine economy

12:39continues with high volumes of informality.

12:41Yes, thinking of everything insured

12:43is an option.

Category

Transcript

Recommended