{"id":14250,"date":"2025-10-06T10:57:33","date_gmt":"2025-10-06T08:57:33","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=14250"},"modified":"2025-10-06T10:57:33","modified_gmt":"2025-10-06T08:57:33","slug":"modificacions-en-lasseguranca-obligatoria-de-vehicles","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/en\/modificacions-en-lasseguranca-obligatoria-de-vehicles\/","title":{"rendered":"Modificacions en l’asseguran\u00e7a obligat\u00f2ria de vehicles"},"content":{"rendered":"

Ha entrat en vigor la llei 5\/2025 de 24 de Juliol<\/a><\/em><\/span>, que modifica la normativa en mat\u00e8ria de responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles.<\/p>\n

En la nova normativa varien principalment els conceptes de vehicles a motor i del que es considera fets de la circulaci\u00f3. Aquesta variaci\u00f3, que a priori podria semblar poc important, implica que molts vehicles que actualment no estaven obligats a tenir asseguran\u00e7a de responsabilitat civil, ara s\u00ed ho estaran.<\/b><\/p>\n

Principals novetats<\/u><\/b><\/h3>\n

Qu\u00e9 es considera vehicle a motor ?<\/h4>\n

Tot vehicle autom\u00f2bil accionat exclusivament mitjan\u00e7ant una for\u00e7a mec\u00e0nica que circula pel terra i que no utilitza una via f\u00e8rria, amb:<\/p>\n

    \n
  • Velocitat m\u00e0xima de fabricaci\u00f3 superior als 25km\/h.<\/li>\n
  • Pes net m\u00e0xim superior als 25 kg i una velocitat m\u00e0xima superior a 14 km\/h.<\/li>\n<\/ul>\n

    Tamb\u00e9 ser\u00e0 considerat que forma part d’un vehicle a motor, aquell remolc i semiremolc destinat a ser utilitzat pel propi vehicle, ja sigui enganxat o no.<\/p>\n

    Qu\u00e9 es considera que es un fet de la circulaci\u00f3 ?<\/h4>\n

    Tota utilitzaci\u00f3 de un vehicle a motor que sigui conforme amb la funci\u00f3 del vehicle com a mitj\u00e0 de transport en el moment de l\u2019accident,\u00a0amb independ\u00e8ncia de les caracter\u00edstiques d\u2019aquest, del terreny<\/u>\u00a0en el que s\u2019utilitza i de si es troba aturat o en moviment.<\/u><\/p>\n

    Quins son els vehicles personals lleugers ( VPL ) que hauran de tenir asseguran\u00e7a obligat\u00f2ria ?<\/u><\/b><\/h3>\n

    Son aquells vehicles amb una o m\u00e9s rodes, de una \u00fanica pla\u00e7a i propulsats exclusivament per motors el\u00e8ctrics\u00a0<\/u><\/b>que proporcionin una velocitat m\u00e0xima de fabricaci\u00f3 entre 6 i 25 km\/h si el pes es inferior a 25 kg, o velocitat m\u00e0xima entre 6 i 14 km\/h si el pes \u00e9s superior a 25 kg.<\/p>\n

    S\u2019exclouen els vehicles que s\u2019utilitzin per la mobilitat i autonomia personal que destinats exclusivament per ser utilitzats per persones amb discapacitat o mobilitat redu\u00efda.<\/p>\n

    Vehicles durant la seva fabricaci\u00f3 i transport com a mercaderia.<\/u><\/b><\/h3>\n

    Els vehicles a motor que es trobin en un d\u2019aquests sup\u00f2sits, hauran de tenir un aval, garantia financera o asseguran\u00e7a equivalent a 6.450.000 \u20ac per danys personals, i 1.300.000 \u20ac per danys materials.<\/p>\n

    Valoraci\u00f3 de danys i indemnitzacions<\/u><\/b><\/h3>\n

    S’ha de publicar nous barems que incrementaran les quantitats a indemnitzar per lesions, seq\u00fceles, mort i accidents.<\/p>\n

    Els capitals m\u00ednims en la cobertura de l\u2019asseguran\u00e7a per els VPL seran de, 6.450.000 \u20ac per sinistre en danys a persones i de 1.300.000 \u20ac per sinistre en danys materials.<\/p>\n

    Termini per contractar l\u2019asseguran\u00e7a i possibles sancions<\/u><\/b><\/h3>\n

    S\u2019obre un termini a partir del 25 de Juliol de 2025, fins al 02 de Gener de 2026, per tal de que tots els propietaris de vehicles a motor que reuneixin les caracter\u00edstiques comentades,\u00a0 contractin l\u2019asseguran\u00e7a de Responsabilitat Civil.<\/p>\n

    Si b\u00e9 es cert que el Consorci de Compensaci\u00f3 continuar\u00e0 cobrint sinistres ocasionats en aquest termini a tots els propietaris que no disposin encara de l\u2019asseguran\u00e7a, el Consorci es podr\u00e0 reservar el dret a repercutir contra el causant del sinistre els imports que hagi satisfet.<\/p>\n

    \u00c9s per tot aix\u00f2 que aconsellem fer l\u2019asseguran\u00e7a el m\u00e9s aviat possible.<\/p>\n

    \"\"<\/p>\n

    A RM Assessors estem cont\u00ednuament formant-nos i a l\u2019avantguarda dels canvis i modificacions que us poden afectar. Per qualsevol dubte, estem a la vostra disposici\u00f3, trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/em><\/span><\/h3>\n

    \n","protected":false},"excerpt":{"rendered":"

    Ha entrat en vigor la llei 5\/2025 de 24 de Juliol, que modifica la normativa en mat\u00e8ria de responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles. En la nova normativa varien principalment els conceptes de vehicles a motor i del que es considera fets de la circulaci\u00f3. Aquesta variaci\u00f3, que a priori podria semblar […]<\/p>\n","protected":false},"author":3,"featured_media":14008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[18,21],"tags":[3193,3194,2202],"class_list":["post-14250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","tag-asseguranca-obligatoria-vehicles","tag-modificacions-asseguranca-obligatoria","tag-vehicles-mobilitat-personal"],"acf":[],"yoast_head":"\nModificacions en l'asseguran\u00e7a obligat\u00f2ria de vehicles | RM Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rm-assessors.cat\/en\/modificacions-en-lasseguranca-obligatoria-de-vehicles\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modificacions en l'asseguran\u00e7a obligat\u00f2ria de vehicles | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"Ha entrat en vigor la llei 5\/2025 de 24 de Juliol, que modifica la normativa en mat\u00e8ria de responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles. 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