{"id":12773,"date":"2024-07-08T17:41:02","date_gmt":"2024-07-08T15:41:02","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/?p=12773"},"modified":"2024-07-08T17:41:02","modified_gmt":"2024-07-08T15:41:02","slug":"com-gestionar-la-concurrencia-dassegurances-de-danys-en-la-vostra-polissa","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/com-gestionar-la-concurrencia-dassegurances-de-danys-en-la-vostra-polissa\/","title":{"rendered":"Com gestionar la concurr\u00e8ncia d\u2019assegurances de danys en la vostra p\u00f2lissa"},"content":{"rendered":"<h5 style=\"font-weight: 400;\">En aquest article, us volem explicar que \u00e9s la concurr\u00e8ncia d&#8217;assegurances, com s\u2019aplica i com es pot gestionar de manera efectiva.<\/h5>\n<hr \/>\n<p style=\"font-weight: 400;\">La concurr\u00e8ncia d\u2019assegurances es produeix quan en un sinistre i hi ha m\u00e9s d&#8217;una p\u00f2lissa que assegura un risc (incendi, explosi\u00f3, robatori &#8230; ) sobre un mateix objecte. Aquesta situaci\u00f3\u00a0 es dona normalment en sinistres de llar quan un propietari t\u00e9 assegurat el seu pis per una banda i la comunitat de propietaris t\u00e9 assegurat tot l&#8217;edifici per l&#8217;altra banda. En aquest cas, qualsevol sinistre que es produ\u00eds quedaria emparat per les dues p\u00f2lisses i cada una de les entitats asseguradores es faria c\u00e0rrec de la part proporcional de la indemnitzaci\u00f3 que li correspongui, <strong>sense que la suma pugui superar en cap cas l&#8217;import del perjudici sofert<\/strong>.<\/p>\n<p style=\"font-weight: 400;\">Com es calcula aquesta proporci\u00f3 ? Per calcular-la, s\u2019utilitza una formula que distribueix la responsabilitat de pagament entre les diferents asseguradores. Per exemple, si un habitatge assegurat t\u00e9 un valor d&#8217;edifici de 225.000 \u20ac i hi ha tres p\u00f2lisses amb l\u00edmits de 100.000 \u20ac, 75.000 \u20ac i 50.000 \u20ac, el c\u00e0lcul, en cas de sinistre seria el seg\u00fcent:<\/p>\n<ul style=\"font-weight: 400;\">\n<li>P\u00f2lissa 1: (100.000 \u00f7 225.000) \u00d7 Valor dels danys.<\/li>\n<li>P\u00f2lissa 2: (75.000 \u00f7 225.000) \u00d7 Valor dels danys.<\/li>\n<li>P\u00f2lissa 3: (50.000 \u00f7 225.000) \u00d7 Valor dels danys.<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\">Com sigui que la suma dels imports que indemnitzaran les entitats asseguradores mai podr\u00e0 superar l&#8217;import real dels danys, conv\u00e9 vigilar que la suma de capitals assegurats no excedeix-hi del valor real dels bens assegurats, ja que en cas contrari es perdr\u00e0 la prima pegada per l&#8217;exc\u00e9s de valor.<\/p>\n<p style=\"font-weight: 400;\">Quins beneficis i perjudicis implica, si tenim dues assegurances per un mateix objecte?<\/p>\n<h3 style=\"font-weight: 400;\">Beneficis:<\/h3>\n<ul style=\"font-weight: 400;\">\n<li>Increment de la seguretat i protecci\u00f3 de l\u2019objecte assegurat<\/li>\n<li>Possibilitat de rebre compensacions addicionals, un exemple seria en assegurances de vida.<\/li>\n<\/ul>\n<h3 style=\"font-weight: 400;\">Perjudicis:<\/h3>\n<ul style=\"font-weight: 400;\">\n<li>La gesti\u00f3 de les p\u00f2lisses \u00e9s m\u00e9s complex<\/li>\n<li>Risc d&#8217;exc\u00e9s de\u00a0 pagament de primes<\/li>\n<\/ul>\n<p style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-medium wp-image-3004\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-300x169.jpg\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-300x169.jpg 300w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-1024x576.jpg 1024w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-768x432.jpg 768w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-1536x864.jpg 1536w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio-600x338.jpg 600w, https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2023\/04\/RM-Assessors-Valors-Missio.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h3 style=\"font-weight: 400;\"><span style=\"color: #3366ff;\"><em>A RM assessors, aconsellem i assessorem als nostres clients, que es facin revisions peri\u00f2diques de les p\u00f2lisses contractades, que els capitals assegurats siguin els adequats a l\u2019objecte assegurat i quin \u00e9s el producte que millor s\u2019adapta a les necessitats dels nostres clients. Consulteu-nos sense comprom\u00eds trucant al 972 208 258, o per correu electr\u00f2nic adre\u00e7at a info@rm-assessors.cat.\u00a0<\/em><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>En aquest article, us volem explicar que \u00e9s la concurr\u00e8ncia d&#8217;assegurances, com s\u2019aplica i com es pot gestionar de manera efectiva. La concurr\u00e8ncia d\u2019assegurances es produeix quan en un sinistre i hi ha m\u00e9s d&#8217;una p\u00f2lissa que assegura un risc (incendi, explosi\u00f3, robatori &#8230; ) sobre un mateix objecte. Aquesta situaci\u00f3\u00a0 es dona normalment en [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2887,"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":[18,21,41],"tags":[2864,2865,2863],"class_list":["post-12773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","category-destacats","tag-asseguranca-llar-comunitat","tag-assegurances-regla-proporcional","tag-concurrencia-dassegurances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Com gestionar la concurr\u00e8ncia d\u2019assegurances de danys en la vostra p\u00f2lissa | 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\/es\/com-gestionar-la-concurrencia-dassegurances-de-danys-en-la-vostra-polissa\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Com gestionar la concurr\u00e8ncia d\u2019assegurances de danys en la vostra p\u00f2lissa | RM Assessors\" \/>\n<meta property=\"og:description\" content=\"En aquest article, us volem explicar que \u00e9s la concurr\u00e8ncia d&#8217;assegurances, com s\u2019aplica i com es pot gestionar de manera efectiva. 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