{"id":5295,"date":"2025-01-15T07:25:59","date_gmt":"2025-01-15T07:25:59","guid":{"rendered":"https:\/\/zennihost.com\/test\/2025\/01\/15\/kaci-dhe-avni-ponari-co-u-vjedhin-bonusin-500-mije-pronareve-te-mjeteve-ja-sa-shtrenjtohet-siguracioni\/"},"modified":"2025-01-15T07:25:59","modified_gmt":"2025-01-15T07:25:59","slug":"kaci-dhe-avni-ponari-co-u-vjedhin-bonusin-500-mije-pronareve-te-mjeteve-ja-sa-shtrenjtohet-siguracioni","status":"publish","type":"post","link":"https:\/\/zennihost.com\/test\/2025\/01\/15\/kaci-dhe-avni-ponari-co-u-vjedhin-bonusin-500-mije-pronareve-te-mjeteve-ja-sa-shtrenjtohet-siguracioni\/","title":{"rendered":"Ka\u00e7i dhe Avni Ponari & Co u vjedhin bonusin 500 mij\u00eb pronar\u00ebve t\u00eb mjeteve, ja sa shtrenjtohet siguracioni"},"content":{"rendered":"

Qeveria p\u00ebrmes Kuvendit dhe drejtores s\u00eb AMF, Mimoza Ka\u00e7i, kan\u00eb \u201cvjedhur\u201d nga xhepat e pronar\u00ebve t\u00eb mjeteve motorike bonusin e sistemit \u201cBonus-malus\u201d. Kjo ka nisur qysh nga data 1 janar 2025 me firm\u00ebn e zonj\u00ebs Ka\u00e7i dhe p\u00ebr k\u00ebnaq\u00ebsin\u00eb e oligark\u00ebve t\u00eb kompanive t\u00eb sigurimeve, Avni Ponarit me shok\u00eb. Nga xhepat e familjeve t\u00eb mbi 600 mij\u00eb familjeve q\u00eb kan\u00eb n\u00eb pron\u00ebsi nj\u00eb makin\u00eb e paguajn\u00eb polic\u00ebn e sigurimit t\u00eb detyruesh\u00ebm (TPL) mesatarisht 50 mij\u00eb lek\u00eb m\u00eb shtrenjt\u00eb.<\/p>\n

Sistemi i aplikuar ka deformuar praktik\u00ebn e vendeve per\u00ebndimore t\u00eb quajtur \u201cbonus-malus\u201d duke p\u00ebrdorur vet\u00ebm pjes\u00ebn e dyt\u00eb (malus) q\u00eb shtrenjton tarif\u00ebn dhe q\u00eb u intereson pronar\u00ebve t\u00eb kompanive t\u00eb sigurimit.<\/p>\n

Pjes\u00ebn e par\u00eb (bonus) q\u00eb e ul k\u00ebt\u00eb tarif\u00eb p\u00ebr drejtuesit e mjeteve sipas aft\u00ebsis\u00eb dhe sjelljes n\u00eb rrug\u00eb, Ka\u00e7i udh\u00ebzon t\u00eb mos p\u00ebrdoret. Pra, \u00ebsht\u00eb shkelur ligji Ligji nr. 32\/2021, dat\u00eb 16.03.2021 \u201cP\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit\u201d.<\/p>\n

Neni 7 pika 8 e ligjit thot\u00eb: \u201cShoq\u00ebria e sigurimit mund t\u00eb p\u00ebrfshij\u00eb sistemin bonus-malus n\u00eb p\u00ebrcaktimin e tarifave t\u00eb primeve t\u00eb sigurimit t\u00eb p\u00ebrgjegj\u00ebsis\u00eb s\u00eb t\u00eb siguruarit p\u00ebr d\u00ebmet e shkaktuara pal\u00ebve t\u00eb treta nga p\u00ebrdorimi i k\u00ebtij mjeti motorik, me p\u00ebrjashtim t\u00eb polic\u00ebs kufitare dhe t\u00eb kartonit jeshil\u201d.<\/em><\/p>\n

Nd\u00ebrsa n\u00eb nenin 8, kompanit\u00eb e kan\u00eb t\u00eb detyrueshme (n\u00ebse aplikojn\u00eb sistemin) q\u00eb t\u2019i paraqesin t\u00eb siguruarit \u201ccertifikat\u00ebn e historikut t\u00eb d\u00ebmeve\u201d.<\/p>\n

\u201cNeni 8 Sistemi bonus-malus 1. Sistemi bonus-malus \u00ebsht\u00eb sistemi p\u00ebr p\u00ebrcaktimin e nivelit t\u00eb primit t\u00eb sigurimit t\u00eb detyruesh\u00ebm motorik, bazuar n\u00eb historikun e d\u00ebmeve t\u00eb t\u00eb siguruarit.<\/em><\/p>\n

5 2. Sistemi bonus- malus \u00ebsht\u00eb nj\u00eb nga faktor\u00ebt e riskut, t\u00eb cilin shoq\u00ebrit\u00eb e sigurimit kan\u00eb t\u00eb drejt\u00eb ta zbatojn\u00eb n\u00eb tarifimin e sigurimit t\u00eb p\u00ebrgjegj\u00ebsis\u00eb s\u00eb t\u00eb siguruarit t\u00eb mjetit motorik, p\u00ebr d\u00ebmet e shkaktuara pal\u00ebve t\u00eb treta nga p\u00ebrdorimi i k\u00ebtij mjeti. 3. Shoq\u00ebria e sigurimit \u00ebsht\u00eb e detyruar t\u00eb v\u00ebr\u00eb n\u00eb dispozicion t\u00eb t\u00eb siguruarve certifikat\u00ebn e historikut t\u00eb d\u00ebmeve sipas formatit, metod\u00ebs, afateve kohore dhe p\u00ebrmbajtjes s\u00eb p\u00ebrcaktuar me rregulla t\u00eb miratuara nga Autoriteti\u201d<\/em>, citojm\u00eb ligjin.<\/p>\n

N\u00ebse shkon sot t\u00eb sigurosh automjetin, asnj\u00eb kompani nuk e paraqet k\u00ebt\u00eb dokument. Ky \u00ebsht\u00eb mashtrim dhe grabitje e qytetar\u00ebve n\u00eb drit\u00ebn me diell!<\/p>\n

Zbatim i padrejt\u00eb i sistemit \u201cbonus malus\u201d<\/strong><\/h4>\n

Kompanit\u00eb e sigurimit jan\u00eb t\u00eb relaksuara dhe t\u00eb mbrojtura nga AMF. Zonja Ka\u00e7i, me nj\u00eb rregullore t\u00eb brendshme u ka l\u00ebn\u00eb t\u00eb dor\u00eb t\u00eb lir\u00eb shoq\u00ebrive t\u00eb vendosin ato koeficient\u00eb q\u00eb kan\u00eb d\u00ebshir\u00eb dhe ato q\u00eb nuk u p\u00eblqejn\u00eb t\u00eb mos i llogarisin. Madje u rekomandon t\u00eb vendosin edhe koeficient\u00eb q\u00eb ajo i fut n\u00eb kategorin\u00eb e pasqaruar \u201ct\u00eb tjer\u00eb\u201d.<\/p>\n

Marrim si shembull shoq\u00ebrin\u00eb e sigurimit SIGAL UNIQA Group Austria. \u00c7mimi baz\u00eb i publikuar n\u00eb faqen zyrtare \u00ebsht\u00eb 171 mij\u00eb lek\u00eb, por ka nj\u00eb yll q\u00eb sugjeron se \u00e7mimi rritet nga koeficient\u00ebt.<\/p>\n

<\/h5>\n

N\u00eb p\u00ebrllogaritjen e primit t\u00eb sigurimit ky subjekt zbaton k\u00ebto faktor\u00eb kryesor\u00eb risku:<\/p>\n

1-Historiku i d\u00ebmeve, p\u00ebrfshir\u00eb edhe rastet kur shkaktari i aksidentit nuk \u00ebsht\u00eb i sh\u00ebnuar n\u00eb polic\u00ebn e sigurimit.<\/p>\n

<\/h5>\n

Si\u00e7 e vini re nga tabela, si ai q\u00eb ka shkaktuar d\u00ebme, si pronari i mjetit q\u00eb ka sjellje shembullore n\u00eb rrug\u00eb, trajtohen me t\u00eb nj\u00ebjtin koeficient (1).<\/p>\n

Sipas rregullores s\u00eb zonj\u00ebs Ka\u00e7i,\u00a0 koeficient\u00ebt duhet t\u00eb ishin:<\/p>\n

Asnj\u00eb d\u00ebm t\u00eb raportuar gjat\u00eb vitit, koeficienti 0.95 deri n\u00eb 0.98 II. Nj\u00eb d\u00ebm t\u00eb raportuar gjat\u00eb vitit deri n\u00eb 1.25<\/p>\n

III. Dy ose m\u00eb shum\u00eb d\u00ebme t\u00eb raportuara gjat\u00eb tre viteve t\u00eb fundit deri n\u00eb 1.5<\/p>\n

Por, \u00e7far\u00eb e favorizon kompanin\u00eb, vjen nj\u00eb rresht m\u00eb posht\u00eb. \u201cP\u00ebr vitin e par\u00eb t\u00eb zbatimit t\u00eb k\u00ebsaj rregulloreje faktori i riskut \u201cHistoriku i d\u00ebmeve\u201d, hD \u00ebsht\u00eb i barabart\u00eb me 1\u201d, citojm\u00eb rregulloren. N\u00eb cilin ligj e bazon k\u00ebt\u00eb rregullore zj Ka\u00e7i?<\/p>\n

\u00c7far\u00eb \u00ebsht\u00eb b\u00ebr\u00eb nga viti 2021 q\u00eb u miratua ndryshimi n\u00eb ligj dhe deri tani p\u00ebr t\u00eb ngritur sistemin \u201cbonus malus\u201d?<\/p>\n

Lidhur me fuqin\u00eb motorike, kompanit\u00eb, pa u bazuar as n\u00eb rregulloren \u201cKa\u00e7i\u201d i kan\u00eb futur mjetet elektrike n\u00eb kategorin\u00eb 1300 kubik\u00eb, pavar\u00ebsisht se \u00e7far\u00eb motori kan\u00eb. Kjo nuk ka lidhje me riskun m\u00eb t\u00eb vog\u00ebl p\u00ebr aksidente. Ndryshe Avni Ponari me shok\u00eb duhet t\u00eb marrin tituj shkencor\u00eb p\u00ebr shpikjen. Diskriminimi b\u00ebhet n\u00eb shenj\u00eb servilizmi ndaj kryeministrit, gjoja se po zbatohen standardet e BE-s\u00eb p\u00ebr makinat ekologjike.<\/p>\n

N\u00ebse flasim p\u00ebr aksidente, nuk ka studim q\u00eb ul riskun p\u00ebr makinat elektrike! Ky diskriminim nuk ka lidhje as me frym\u00ebn e ligjit as realitetin. P\u00ebr m\u00eb tep\u00ebr pronar\u00ebt e mjeteve e paguajn\u00eb taks\u00ebn e karbonit diku tjet\u00ebr, nuk ka pse t\u00eb japin lek\u00eb edhe tek kompanit\u00eb e sigurimit.<\/p>\n

Nj\u00eb koeficient tjet\u00ebr lidhet me mosh\u00ebn e t\u00eb siguruarit.<\/p>\n

<\/h5>\n

Kur vjen puna tek t\u00eb rinjt\u00eb, vendoset koeficienti p\u00ebr risk, nd\u00ebrsa mbi 21 vje\u00e7 deri n\u00eb moshat e treta nuk ka asnj\u00eb n\u00ebnkategori duke shp\u00ebrfillur aft\u00ebsit\u00eb q\u00eb ndryshojn\u00eb sipas viteve.<\/p>\n

Nj\u00eb koeficient tjet\u00ebr \u00ebsht\u00eb eksperienca n\u00eb drejtimin e mjetit motorik. Edhe k\u00ebt\u00eb Sigal q\u00eb e aplikon sipas p\u00ebrfitimit t\u00eb vet.<\/p>\n

<\/h5>\n

Pra, Sigal nuk ka informacion p\u00ebr k\u00ebt\u00eb kategori dhe i trajton nj\u00ebsoj si nj\u00eb shofer q\u00eb ka 30 vjet n\u00eb timon ashtu edhe nj\u00eb q\u00eb ka n\u00eb xham tabel\u00ebn \u201cshofer i ri\u201d. \u201cDuke qen\u00eb se nuk kemi informacion n\u00eb baz\u00ebn e t\u00eb dh\u00ebnave lidhur k\u00ebt\u00eb faktor risku, koeficienti u vendos 1\u201d, justifikohet kompania dhe drejtoresha Ka\u00e7i. Pasi po paguajm\u00eb dhjet\u00ebra miliarda lek\u00eb nga taksat tona p\u00ebr dixhitalizimin, duhet t\u00eb m\u00ebsojm\u00eb se nuk jan\u00eb t\u00eb dh\u00ebnat? Po pse moj zonja Ka\u00e7i, nxiton t\u00eb b\u00ebsh rregullore, kur nuk i ke krijuar kushtet?<\/p>\n

M\u00eb tej, p\u00ebr t\u00eb rritur p\u00ebrfitimin, Sigal u merr m\u00eb shum\u00eb lek\u00eb bizneseve dhe institucioneve se sa t\u00eb siguruarve t\u00eb tjer\u00eb. P\u00ebr k\u00ebt\u00eb e ndihmon rregullorja \u201cKa\u00e7i\u201d.<\/p>\n

<\/h5>\n

A ka lidhje me rrezikun p\u00ebr aksidente ky koeficient? N\u00eb cilin ligj mb\u00ebshtetet ky koeficient? Edhe pse duket sikur ka diskriminim pozitiv p\u00ebr qytetar\u00ebt, jan\u00eb ata q\u00eb e paguajn\u00eb n\u00eb \u00e7mime dhe me taksa.<\/p>\n

N\u00eb fund jepet nj\u00eb formul\u00eb q\u00eb nuk zbatohet automatikisht n\u00eb pikat e shitjes, por b\u00ebhen llogaritjet me makin\u00eb ose me laps dhe duhet t\u00eb kesh mendjen se nuk i dihet sa arrin \u00e7mimi. Mesatarisht shtrenjtimi i tarif\u00ebs s\u00eb polic\u00ebs s\u00eb sigurimit p\u00ebr shkak t\u00eb koeficient\u00ebve shkon 50 mij\u00eb deri n\u00eb 100 mij\u00eb lek\u00eb t\u00eb vjetra. P\u00ebrfitimi i qytetar\u00ebve q\u00eb kan\u00eb historik pa shkelje t\u00eb dhe pa d\u00ebme \u00ebsht\u00eb zero lek\u00eb.<\/p>\n

<\/h5>\n

Kompanit\u00eb e sigurimit, duart n\u00eb xhepat e qytetar\u00ebve <\/strong><\/h4>\n

Kompanit\u00eb e sigurimit n\u00eb Shqip\u00ebri p\u00ebr shkak t\u00eb korrupsionit t\u00eb zyrtar\u00ebve t\u00eb AMF, q\u00eb i zgjedh Kuvendi dhe t\u00eb favorizimeve politike, sillen me qytetar\u00ebt si nj\u00eb kartel. Byroja Shqiptare e Sigurimeve ka kryesisht dy funksione: administrimin e sistemit t\u00eb kartonit jeshil, q\u00eb mbulon pages\u00ebn e d\u00ebmeve t\u00eb shkaktuara jasht\u00eb vendit, por edhe t\u00eb fondit t\u00eb kompensimit, q\u00eb krijohet p\u00ebr mbulimin e d\u00ebmeve nga mjetet e pasiguruara n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb.<\/p>\n

\u00c7\u2019ka ndodhur? Sipas t\u00eb dh\u00ebnave t\u00eb AMF gati 750 qytetar\u00eb q\u00eb kan\u00eb fituar \u00e7\u00ebshtje gjyq\u00ebsore ndaj Byros\u00eb Shqiptare t\u00eb Sigurimeve nuk jan\u00eb d\u00ebmshp\u00ebrblyer n\u00eb vite. K\u00ebto detyrime i ka akumuluar nga viti 2001 deri n\u00eb vitin 2018 me nj\u00eb borxh prej 1.8 miliard\u00eb lek\u00ebsh.<\/p>\n

\u201cSipas raportimit periodik t\u00eb Byros\u00eb Shqiptare t\u00eb Sigurimeve d\u00ebmet e papaguara, pra t\u00eb mbetura pezull q\u00eb jan\u00eb objekt i Fondit t\u00eb Kompensimit p\u00ebr ngjarjet e sigurimit t\u00eb ndodhura q\u00eb prej vitit 2002 dhe deri m\u00eb 31. 12. 2013 (detyrimet 2002-2013) jan\u00eb rreth 1.3 miliard\u00eb lek\u00eb<\/em>,\u201d ka informuar vet\u00eb AMF.<\/p>\n

Sipas zonj\u00ebs Ka\u00e7i n\u00eb raportimin n\u00eb Kuvend, gjat\u00eb vitit 2023, rezulton se rreth 25% e d\u00ebmeve t\u00eb shkaktuara nga mjetet e pasiguruara, ose t\u00eb paidentifikuara, nuk jan\u00eb paguar drejtp\u00ebrdrejt\u00eb nga shoq\u00ebrit\u00eb e sigurimit. D\u00ebmet pezull t\u00eb fondit t\u00eb kompensimit, n\u00eb fund t\u00eb vitit 2023, rezultojn\u00eb n\u00eb num\u00ebr 477 d\u00ebme dhe me vler\u00eb prej 843 milion\u00eb lek\u00eb. Dhe duhet theksuar se pjesa m\u00eb e madhe e d\u00ebmeve pezull jan\u00eb n\u00eb proces gjyq\u00ebsor (64% t\u00eb totalit).<\/p>\n

\u201cProblemi kryesor vjen nga p\u00ebrb\u00ebrja e k\u00ebsaj strukture. An\u00ebtar\u00eb t\u00eb Byros\u00eb jan\u00eb drejtuesit e kompanive t\u00eb sigurimit. Shteti i ka l\u00ebn\u00eb nj\u00eb pavar\u00ebsi Byros\u00eb t\u00eb pashpjegueshme. Kjo var\u00ebsi nga lojtar\u00ebt e tregut ka sjell\u00eb q\u00eb edhe d\u00ebmshp\u00ebrblimet t\u00eb zvarriten p\u00ebr vite me radh\u00eb\u201d, citojm\u00eb KLSH n\u00eb nj\u00eb raport t\u00eb koh\u00ebve t\u00eb fundit.<\/em><\/p>\n

Problematike shfaqet situata edhe lidhur me sakt\u00ebsin\u00eb e raportimit dhe ecurin\u00eb e pagesave t\u00eb b\u00ebra nga shoq\u00ebrit\u00eb e sigurimit. N\u00eb vijim t\u00eb detyrimit t\u00eb tyre p\u00ebr derdhjen n\u00eb llogari t\u00eb pjes\u00ebs respektive t\u00eb fondit, kompanit\u00eb e sigurimit nuk rezultojn\u00eb t\u00eb bashk\u00eblidhin n\u00eb formatet respektive t\u00eb raportimit edhe dokumentet Bre (bank statement) q\u00eb justifikojn\u00eb ecurin\u00eb e k\u00ebtij fondi n\u00eb aspekt t\u00eb kontributeve, dhe pagesave p\u00ebr t\u00eb likuiduar detyrimet e t\u00eb d\u00ebmtuarve.<\/em><\/p>\n

Kjo byro nuk pyet p\u00ebr AMF, \u00ebsht\u00eb \u2018shtet\u2019 m\u00eb vete.\u00a0 \u201cN\u00eb mbledhjen e BSHS-s\u00eb dat\u00eb 5.02.2019 \u00ebsht\u00eb vendosur q\u00eb masa e kontributit p\u00ebr fondin e kompensimit t\u00eb vitit 2020 t\u00eb jete 311,215,112 lek\u00eb. Megjithat\u00eb, n\u00eb shkres\u00ebn dat\u00eb 11.12.2019 t\u00eb AMF \u00ebsht\u00eb konstatuar se n\u00eb raportimin e byros\u00eb si referenc\u00eb n\u00eb analiz\u00eb \u00ebsht\u00eb marr\u00eb fondi i miratuar nga Asambleja dhe jo nga Autoriteti\u201d,<\/em> raporton KLSH.<\/p>\n

<\/h5>\n

Dhe si p\u00ebrfundim, pronar\u00ebt e mjeteve duhet t\u00eb vazhdojn\u00eb t\u00eb paguajn\u00eb polic\u00ebn e sigurimit sa t\u00eb duan kompanit\u00eb e sigurimit, apo duhet ndalur ky veprim i paligjsh\u00ebm?<\/p>\n

Nj\u00ebra rrug\u00eb \u00ebsht\u00eb d\u00ebrgimi i rregullores \u201cKa\u00e7i\u201d n\u00eb gjykat\u00eb, ku t\u00eb k\u00ebrkohet pavlefshm\u00ebria, sepse nuk mb\u00ebshtetet n\u00eb ligj. Po ashtu, mund t\u00eb b\u00ebhet nj\u00eb kall\u00ebzim penal p\u00ebr mashtrim p\u00ebr kompanit\u00eb dhe p\u00ebr AMF.<\/p>\n

\u00a9\ufe0fCopyright Gijotina.com<\/strong><\/p>\n

Ky artikull \u00ebsht\u00eb ekskluziv i Gijotina.com, g\u00ebzon t\u00eb drejt\u00ebn e autor\u00ebsis\u00eb sipas Ligjit Nr. 35\/2016, \u201cP\u00ebr t\u00eb drejtat e autorit dhe t\u00eb drejtat e lidhura me to\u201d. Shkrimi mund t\u00eb ripublikohet nga mediat e tjera vet\u00ebm duke cituar Gijotina.com dhe n\u00eb fund t\u00eb vendoset linku i burimit, n\u00eb t\u00eb kund\u00ebrt \u00e7do shkel\u00ebs do t\u00eb mbaj\u00eb p\u00ebrgjegj\u00ebsi sipas Nenit 178 t\u00eb Ligjit Nr\/ 35\/2016.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Qeveria p\u00ebrmes Kuvendit dhe drejtores s\u00eb AMF, Mimoza Ka\u00e7i, kan\u00eb \u201cvjedhur\u201d nga xhepat e pronar\u00ebve t\u00eb mjeteve motorike bonusin e sistemit \u201cBonus-malus\u201d. Kjo ka nisur qysh nga data 1 janar 2025 me firm\u00ebn e zonj\u00ebs Ka\u00e7i dhe p\u00ebr k\u00ebnaq\u00ebsin\u00eb e oligark\u00ebve t\u00eb kompanive t\u00eb sigurimeve, Avni Ponarit me shok\u00eb. Nga xhepat e familjeve t\u00eb mbi […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5295","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=5295"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5295\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=5295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=5295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=5295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}