{"id":83290,"date":"2025-01-01T13:54:10","date_gmt":"2025-01-01T12:54:10","guid":{"rendered":"https:\/\/jugulajm.net\/?p=83290"},"modified":"2025-01-01T13:54:10","modified_gmt":"2025-01-01T12:54:10","slug":"nis-zbatimi-i-bonus-malus-ndikim-ne-uljen-e-aksidenteve-dhe-ja-hollesite","status":"publish","type":"post","link":"https:\/\/jugulajm.net\/?p=83290","title":{"rendered":"Nis zbatimi i \u201cbonus-malus\u201d, ndikim n\u00eb uljen e aksidenteve dhe&#8230; ja holl\u00ebsit\u00eb&#8230;"},"content":{"rendered":"<p>Nga sot nis zbatimi i sistemit \u201cbonus-malus\u201d n\u00eb sigurimin MTPL e brendshme.<\/p>\n<p>Tashm\u00eb Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) ka p\u00ebrcaktuar kriteret p\u00ebr llogaritjen e skem\u00ebs universale t\u00eb sistemit \u201cbonus-malus\u201d q\u00eb do t\u00eb zbatohet nga t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit q\u00eb ofrojn\u00eb produktin TPL e brendshme n\u00eb kategorit\u00eb B1 (autovetura) dhe B2 (furgona, mikrobus\u00eb).<\/p>\n<p>Sistemi \u201cbonus-malus\u201d \u00ebsht\u00eb mekanizmi i tarifimit n\u00eb sigurimin e detyruesh\u00ebm MTPL, ku primi i zbatuar \u00ebsht\u00eb i varur nga historiku i d\u00ebmeve apo eksperienca e drejtimit t\u00eb automjetit nga ana e t\u00eb siguruarit. Ky sistem penalizon ekonomikisht, me rritjen e primit t\u00eb siguruarin p\u00ebrgjegj\u00ebs p\u00ebr nj\u00eb ose m\u00eb shum\u00eb aksidente t\u00eb shkaktuara\/raportuara gjat\u00eb periudh\u00ebs s\u00eb sigurimit.<\/p>\n<p>N\u00eb an\u00ebn tjet\u00ebr, e favorizon at\u00eb me ulje t\u00eb \u00e7mimit t\u00eb primit t\u00eb sigurimit, n\u00ebse gjat\u00eb periudh\u00ebs s\u00eb konsideruar nuk ka shkaktuar asnj\u00eb d\u00ebm.<\/p>\n<div class=\"insertion-box\">\n<div class=\"\">\n<div id=\"t677532b50adcd\" data-p=\"100\"><\/div>\n<\/div>\n<\/div>\n<p>AMF ka shtuar si faktor\u00eb risku edhe qarkun ku \u00ebsht\u00eb regjistruar automjeti duke i konsideruar me risk t\u00eb ul\u00ebt qarqe si Berati, Dibra apo Kuk\u00ebsi, nd\u00ebrsa qarqet e tjera do t\u00eb jen\u00eb me koeficient \u201c1\u201d.<\/p>\n<p>Megjithat\u00eb, sipas k\u00ebsaj rregulloreje, faktor\u00ebt e riskut mund t\u00eb shtohen n\u00eb var\u00ebsi t\u00eb vler\u00ebsimit q\u00eb do t\u00eb b\u00ebj\u00eb secila kompani sigurimi.<\/p>\n<p>Faktor\u00ebt e riskut: historiku i d\u00ebmeve; fuqia motorike; mosha e drejtuesit; eksperienca n\u00eb drejtim; p\u00ebrdoruesi, individ\/subjekt; qarku ku \u00ebsht\u00eb regjistruar automjeti; vjet\u00ebrsia e automjetit.<\/p>\n<p>Referuar t\u00eb dh\u00ebnave t\u00eb publikuara nga Autoriteti i Mbik\u00ebqyrjes Financiare zbatimi i sistemit \u201cBonus-Malus\u201d ka dh\u00ebn\u00eb efekte n\u00eb uljen e numrit t\u00eb aksidenteve, mbrojtjen e jet\u00ebs s\u00eb qytetar\u00ebve dhe garantimin e nj\u00eb \u00e7mimi m\u00eb t\u00eb drejt\u00eb n\u00eb policat e sigurimit TPL.<\/p>\n<p>N\u00eb aspektin social, me aplikimin e sistemit \u201cBonus-Malus\u201d synohet nd\u00ebrgjegj\u00ebsimi i publikut p\u00ebr nj\u00eb drejtim sa m\u00eb t\u00eb kujdessh\u00ebm t\u00eb automjetit, por edhe rritje e cil\u00ebsis\u00eb s\u00eb sh\u00ebrbimit t\u00eb sigurimeve kundrejt konsumator\u00ebve.<\/p>\n<p>Nga ana teknike procesi \u00ebsht\u00eb m\u00eb transparent dhe p\u00ebrfshirja e formulave matematikore e b\u00ebn nj\u00eb mekaniz\u00ebm t\u00eb drejt\u00eb, t\u00eb besuesh\u00ebm dhe sipas merit\u00ebs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nga sot nis zbatimi i sistemit \u201cbonus-malus\u201d n\u00eb sigurimin MTPL e brendshme. Tashm\u00eb Autoriteti i Mbik\u00ebqyrjes Financiare (AMF) ka p\u00ebrcaktuar kriteret p\u00ebr llogaritjen e skem\u00ebs universale t\u00eb sistemit \u201cbonus-malus\u201d q\u00eb do t\u00eb zbatohet nga t\u00eb gjitha shoq\u00ebrit\u00eb e sigurimit q\u00eb ofrojn\u00eb produktin TPL e brendshme n\u00eb kategorit\u00eb B1 (autovetura) dhe B2 (furgona, mikrobus\u00eb). Sistemi \u201cbonus-malus\u201d [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":53187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,6332,29228],"tags":[34630,34629],"class_list":{"0":"post-83290","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-te-fundit","9":"category-vendi","10":"tag-ndikim-ne-uljen-e-aksidenteve-dhe-ja-hollesite","11":"tag-nis-zbatimi-i-bonus-malus"},"_links":{"self":[{"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/posts\/83290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/jugulajm.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=83290"}],"version-history":[{"count":0,"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/posts\/83290\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jugulajm.net\/index.php?rest_route=\/wp\/v2\/media\/53187"}],"wp:attachment":[{"href":"https:\/\/jugulajm.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=83290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jugulajm.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=83290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jugulajm.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=83290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}