👉 Las inundación en Bahía Blanca dejaron a muchos residentes enfrentando pérdidas significativas, desde hogares hasta vehículos. En este contexto, surge la pregunta sobre la cobertura de seguros ante desastres naturales. Ignacio Sammarras, secretario de la Asociación de Productores de Seguros, aclara las diferencias entre seguros contra terceros y terceros completos, destacando que solo algunos ofrecen protección ante daños climáticos. Además, explica cómo las aseguradoras están adaptando sus protocolos para agilizar el proceso de reclamaciones en situaciones excepcionales como esta.
🗣️ Antonio Laje
👉 Seguí en #OtraMañana
🗣️ Antonio Laje
👉 Seguí en #OtraMañana
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00:00The product of this flood is the enormous amount of material damage that this flood generates,
00:10apart from what is all the infrastructure of the municipality itself for the people,
00:15people who have lost, of course, entire houses,
00:18who have to equip it completely without counting the floors that were raised,
00:23carpentry that also ended up being ruined,
00:27simply counting the interior, the supplies.
00:31And we also wondered, Chelos, the cars, because there must be hundreds of cars here,
00:37does it cover a insurance against floods, the usual insurance against third parties?
00:42How are you, Ignacio?
00:43Hello, how are you? Good morning.
00:44Ignacio Samarres, you are the secretary of the Association of Insurance Producers.
00:49That's right.
00:50If I have an insurance against third parties, does the insurance against third parties cover this?
00:55Well, first of all, to demonstrate solidarity with the victims of this catastrophe.
01:00There, let me clarify something, it is not against third parties, but complete third parties.
01:04They are two different things.
01:05Against third parties ...
01:06Complete third parties.
01:07Exactly.
01:08The complete third party can be covered under two types of things.
01:12One is the specific coverage of climate damage.
01:15A few years ago, that coverage began to be used within the complete third parties.
01:19Not all of them have it, but a few do.
01:21If not, a total destruction can also occur, and that is covered within ...
01:26Ah, that's clear, that's good.
01:28Yes, if the cost of repair ...
01:30Because third parties do have total destruction.
01:32Exactly.
01:33The complete third party always has total destruction.
01:35Complete third parties.
01:36Exactly.
01:37The one against third parties is sometimes confused ...
01:39The responsibility, yes.
01:40Exactly.
01:41It's nothing.
01:42That one is not going to cover you.
01:43It covers a person that you ...
01:45No, that one is not going to cover you.
01:46The complete third party is going to have total destruction, as all-risk has it.
01:50And if the cost of repair exceeds 80% of the value of the vehicle, it is considered total destruction.
01:55An inundation, total destruction.
01:58In most cases it will be like that.
02:00Yes.
02:01How long does a insurance company take to pay you for the car in a situation like this?
02:05We are facing a catastrophe.
02:07With things from the side of positive and negative insurers.
02:11Today the whole system is going to be stressed.
02:14From this situation, which is of such a large size, everything is stressed.
02:22On the other hand, the insurers began to make special protocols.
02:25Several insurers have already raised that they are going to give priority to all the victims of Bahía Blanca.
02:30And they started to make more automatic processes.
02:32That implies fewer controls, that everything becomes a little more agile.
02:37It is very difficult to venture today, with the situation there is, what the deadlines will be.
02:43Everything that would be the process.
02:47A person stays with the car under water.
02:50The first thing he does is communicate with the insurer.
02:54Does he have to make a complaint or does he communicate with the insurer in a case like this?
02:57Well, he can communicate with the insurer or with the insurance producer.
03:00Many times he uses that alternative.
03:03Regarding the deadlines, you always have 72 hours.
03:07In this case it does not apply.
03:10It is an exceptional situation in which 72 hours does not apply.
03:13Therefore, what I always tell the insurers in the face of that moment of desperation,
03:17is that insurance is the last thing.
03:20That first solve everything they have to solve and then communicate.
03:23For many people it is a means of work.
03:25It coincides completely.
03:26Insurance happens to be the first.
03:27It coincides completely.
03:28But insurance is a solution, not a problem.
03:30So sometimes the insurers call you desperate.
03:33Forgive me, forgive me.
03:35It is not like that.
03:36Many times insurance is a problem.
03:38Well, that's exactly why the insurers have already started to raise it.
03:42There is no time limit for insurance.
03:45Because sometimes they call you desperate insurers saying,
03:47I have to present the documentation now.
03:49No, first solve what you have to solve and then present it.
03:51It will not be an impediment.
03:53Okay, you present the photos of the car,
03:56you say, look, here is my car, it was under water.
03:58In principle, you have to see how the protocols are going to be.
04:01It's all very new yet.
04:02If what you have to present is the complaint.
04:04I had a car that was damaged from flooding.
04:07Then surely you ask for photos.
04:09Sometimes you will not know where the vehicle is.
04:11Sometimes you will not be able to access.
04:13And from there, the insurer will make different protocols to try to simplify it.
04:17Several insurers have already made themselves available,
04:21understanding that it is a special situation.
04:23You can not ask the same thing that you ask in other types of situations.
04:27And how much do they pay you?
04:31How much?
04:32What value?
04:33Let's see, what you have is the insurance sum of your policy.
04:36What I'm going to do is an explanation in broad strokes.
04:39Each insurer has to talk to their insurance producer to understand the details.
04:43What they pay you is the insurance sum that is in the policy.
04:48Sometimes you have adjustment clauses that allow you to insure above,
04:52with the limitation of up to the market value.
04:55So what you see is...
04:57You look there in portals, in concessions.
04:59Exactly, you look for quotations and depending on that you pay.
05:02But hey, it's very broad strokes.
05:04And that value is at the time they pay you?
05:07Or is it, I see it today, that if it takes me three months to pay...
05:10It is at the time of the disaster.
05:12Some insurers update it at the time of payment, but it is at the time of the disaster.
05:16Likewise, because of how the insurers have been handling it,
05:20despite the large number of disasters they are going to have,
05:23I think the times are going to be quite fast because there are quite...
05:26Do they have a calculation of the number of cars?
05:28No.
05:30No, because there they start...
05:31First, it is very atomized in several insurers,
05:33and then you have to see the insurance index they have or not.
05:37So there is still no calculation of that.
05:41And an insurer, where is it insured?
05:45In the insurers.
05:47The insurers have different ways of hiring an insurer,
05:52which what it does is limit their losses.
05:55So that catastrophic events like this do not hack the whole system.
06:00So the insurers give up part of the risk in certain situations
06:04so as not to run that risk.
06:06Because that's what can happen to you.
06:07A big insurer may be operating all over the country,
06:11but maybe there are more local insurers.
06:13Yes.
06:14Can it happen that they tell you,
06:15sir, I can't handle this,
06:17or do they have insurance, yes or yes, against that?
06:20Not necessarily, but I don't think it happens.
06:24There it is very important, the control that the government gives,
06:26the insurance superintendence is working on that,
06:29on checking that the insurances are sufficiently solvent
06:32to pay for this type of disaster.
06:34I would believe that this is not going to hack the system.
06:37Tell me about housing insurance.
06:40Because the car one is mandatory to circulate,
06:42the last one, yes.
06:44Civil liability does not cover you anything,
06:45but third full, I thought it was the insurance,
06:47it must be the most common insurance.
06:49And housing?
06:50Unfortunately, there are not as many insurances as there should be.
06:54The percentage of housing insurance in Argentina
06:57is believed to be approximately 30%.
07:00It's very low.
07:01Which, yes.
07:02And it's relatively cheap to hire a home insurer,
07:05but unfortunately we don't have the culture to do that.
07:08But does the standard home insurance cover you or something like that?
07:10Well, in home insurance, I wouldn't call it standard,
07:14because home insurance covers so many different types of things
07:17that it is very average.
07:18There are insurances that cover it.
07:19I would say that it is not the most chosen coverage,
07:22it is not the most basic coverage.
07:24Generally, a person asks you about the appliances,
07:27about the robbery, and sometimes about the fire.
07:31What does a fire look like?
07:33I assure you that in my house there is a fire.
07:36I never notice if it covers something like this.
07:37It is the priority.
07:38But in most people it is not,
07:40or at least you don't see that risk as the most important.
07:43In most insurance companies,
07:45it is an additional coverage.
07:47This depends on each insurer,
07:49and not all of this coverage has to be reviewed.
07:52You have to talk to the insurance producer.
07:54At this time, we also have to take into account
07:56that many insurance producers are damaged in Bahía Blanca,
08:00so you have to be a little patient as much as you can,
08:03because it is a desperate situation that overflows everywhere.
08:07Does insurance cover you internally,
08:10or does it cover you, for example, people who,
08:14from the construction of the house,
08:16the floors were raised, windows or doors were damaged?
08:19It depends on each coverage.
08:21Today, for example, I was reviewing a coverage earlier,
08:24and that coverage covered damage to the building
08:28and damage to the content.
08:30But it depends on each of the coverages.
08:32But it could be either of the two alternatives.
08:34Do you have estimated damage from such an inundation?
08:37No, not yet.
08:39No car damage in general?
08:41No, and I'm still not sure we have a dimension of the size.
08:45In fact, today we were just mentioning,
08:47we still don't know how many people are missing.
08:49It is difficult to understand today the reality of the catastrophe.
08:53Yes, I think that figure that they said to rebuild
08:57will cost 400, I think they are short.
08:59It is not known exactly.
09:01It is a number that today cannot be precise.
09:03Today the situation is still not settled, it is very complicated.
09:07Ignacio, why are car insurance so expensive?
09:11I'm going to tell you exactly the opposite.
09:13Don't tell me they are not expensive.
09:15No, don't tell me that.
09:17Are cars expensive?
09:19There you go, that's the point.
09:21I don't think insurance is expensive.
09:23In fact, what is happening today,
09:25for many years now,
09:27is that insurers pay more than what they charge.
09:29That's what I'm saying, they pay more than what they charge.
09:31This is called technical result.
09:33The majority, the vast majority,
09:35of car insurance companies in Argentina
09:38spend more money than they charge.
09:40Why?
09:41And then, how do they continue in the business?
09:43The financial part.
09:45The financial part of that money.
09:47In the face of the fall of the financial part,
09:49we find that a situation begins to emerge
09:51that today insurers are charging less than they should charge.
09:54Now, you tell me.
09:56It's a lot.
09:58Why are they much cheaper in the world?
10:00We have a very high sinister reality.
10:02Today, it is not only a sinister reality.
10:04For example, theft.
10:06If you want to get the sinister refunds,
10:08which would be small anywhere,
10:10you have a very high cost of reparation.
10:12And that makes...
10:14Insurance is solidarity.
10:16We all pay insurance.
10:18If you have a sinister situation,
10:20all of us who are insured with you,
10:22we end up paying it.
10:24So, if there are many sinister situations,
10:26between expensive refunds,
10:28many thefts, fraud,
10:30all those kinds of situations,
10:32we all pay them together.
10:34In many countries, it is less.
10:36Insurance is much cheaper.
10:38In many countries, it is less.
10:40And you also have to have another particularity.
10:42Sometimes, in recent months,
10:44in recent months,
10:46it did not go up so much,
10:48but in previous months,
10:50insurance was constantly rising.
10:52And they called you asking,
10:54are you constantly raising my insurance?
10:56And the automatic answer was,
10:58did the insurance amount go up or not?
11:00Because we are in a scenario
11:02where you have to buy a premium car
11:04in any country in the world,
11:06and here you buy one for the first time.
11:08And that drags the insurance.
11:10So, in my perception,
11:12I see an insurance that is a lot of money,
11:14but when you start asking yourself
11:16why, you say,
11:18ok, and then there is another complication.
11:20There is another complication,
11:22which is the compensation of civil liability.
11:24You sometimes have judicial errors
11:26that exceed the limit of the policy.
11:28And that is a problem,
11:30because it gives a certain unpredictability.
11:32So, a lot of insurance comes out,
11:34today it comes out less than
11:36the automotors should,
11:38and I think that,
11:40together, socially,
11:42we have to try to lower it
11:44with less sinisterity,
11:46less fraud,
11:48errors that fit the policies,
11:50the cheaper replacement.
11:52I never saw in Argentina
11:54that the policies would go down.
11:56In recent months,
11:58because I got budgets
12:00of half the difference.
12:02Those others,
12:04you have to start asking for budgets
12:06because they charge anything.
12:08Well, there you also have to take into account,
12:10first, in a context in which
12:12the economy is disordered,
12:14transporters start to appear everywhere.
12:16And then, on the other hand, you have something,
12:18which is, as I mentioned before,
12:20the technical results give negative.
12:22Then the insurers
12:24start to work financially that money.
12:26More risky insurers
12:28require less technical results
12:30and can...
12:32And more financial results.
12:34Exactly, but they are also more risky.
12:36So, there you also see a little
12:38the difference between insurers
12:40that are a little more backed up
12:42and less backed up,
12:44with a different handling of investments.
12:46But the insurance producer is
12:48just to help you.
12:50They work with several insurers
12:52and they can advise you,