La devaluación de los vehículos accidentados que debe pagar el seguro: la pérdida de valor patrimonial
Aunque reparemos perfectamente un vehículo que ha sufrido un accidente, éste sufre una devaluación en su precio de venta. El mercado, o sea las personas, no estamos dispuestas a pagar lo mismo por un vehículo que sufrió un accidente que por otro exactamente igual que jamás lo sufrió. El vehículo accidentado y reparado valdrá menos que el que es exactamente igual y jamás sufrió ningún accidente.
La devaluación implica una pérdida de valor patrimonial por parte del propietario del vehículo.
Y como ejemplo verás que en muchos anuncios de webs orientadas a publicar vehículos en el mercado de ocasión de segunda mano hacen referencia a que el vehículo que están vendiendo está «libre de accidentes». Y lo manifiestan porque la gente no lo devalúe. No les pida descuento. Porque si te enteras que el coche que vas a comprar sufrió un accidente, no lo querrás o pedirás un descuento muy significativo al vendedor.
La pérdida patrimonial del valor del vehículo que ha sufrido un accidente
En ClaimCenter realizamos un estudio preguntando a una muestra de 1000 personas al azar, llamándolas a su teléfono móvil, de qué descuento (devaluación) le deberían hacer sobre un vehículo que sufrió un accidente, respecto a uno exactamente igual que jamás sufrió un siniestro, para que se lo quedara a igualdad de condiciones. El resultado del descuento promedio fue que a la gente, de media, deberían hacerle un descuento de un 42%.
La conclusión del estudio fue que un vehículo que ha sufrido un accidente y ha sido reparado, sufre una devaluación de un 42%. Este porcentaje es lo que nosotros definimos como pérdida de valor patrimonial del vehículo debido a un accidente.
Obviamente había gente que con un descuento menor al 42% se lo hubiera quedado pero otra manifestaba que el descuento a aplicar debía ser muy superior.
Cuando el culpable del accidente eres tú
Si el accidente lo provocas tú, tú serás el responsable de la devaluación que sufrirá tu vehículo una vez reparado, y por tanto, serás tú quien asumirá la pérdida de valor patrimonial.
En caso de tener un seguro que cubre tus daños propios, como el contrato delimita la garantía de pago exclusivamente a la reparación o restitución del vehículo, serás tú y no el seguro quien asumirá la pérdida de valor patrimonial que sufra el vehículo.
Cuando el culpable es otro distinto a ti
Si el accidente lo provocó un tercero culpable distinto a ti, será ésa la persona responsable de la pérdida patrimonial que sufrirá el vehículo en virtud de su responsabilidad civil. Por tanto, además de indemnizarte los daños materiales a tu vehículo, también deberá indemnizarte la pérdida patrimonial que tu vehículo ha sufrido por la razón de haber sufrido ese accidente.
Y es obvio que si existe un seguro que cubre la responsabilidad civil del culpable, ese seguro de responsabilidad civil obligatoria y/o voluntaria deberá pagarte como propietario del vehículo afectado la pérdida patrimonial que ha sufrido tu vehículo.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
¿Cómo se calcula la pérdida patrimonial del vehículo?
La verdad es que es un ejercicio muy sencillo:
- Lo primero será saber qué vale tu vehículo a precio de mercado, o sea, el valor venal. Y para ello deberás configurar en uno o varios portales de vehículos de ocasión por internet un vehículo exactamente igual al tuyo en cuando a marca, modelo, años, kilómetros, opciones y estado de conservación. Y para hacer un ejemplo imagina que el promedio obtenido de tu vehículo es de 14.000 €.
- Puesto la pérdida de valor patrimonial promedio es de un 42%, deberás realizar la siguiente operación: 14.000 € * 0,42 = 5.880 €
- Por tanto la aseguradora del culpable del accidente, o el mismo causante en caso de no tener seguro (o el Consorcio de Compensación de Seguros en su caso), deberán pagarte la reparación del vehículo, por ejemplo 3.500 € impuestos incluidos, y 5.880 € en concepto de pérdida patrimonial del vehículo.
Que no te cuenten excusas
Y verás que la aseguradora de turno, para no pagarte la pérdida de valor patrimonial utilizará el pretexto de que el día que vendas ese vehículo en el mercado de ocasión no vas a informar al potencial comprador que sufrió un accidente, y como vas a engañar a ese comprador, no te pagamos la pérdida de valor patrimonial. La verdad es que no deberíamos hacer ningún comentario al respecto pero vamos ha puntualizar dos cosas:
- La aseguradora no sabe si tú vas a ser honesto con el posible comprador, que nuestra recomendación es que lo seas porque ya cobraste la pérdida de valor patrimonial por parte del causante.
- Y lo segundo es que el seguro no debe meterse en tu vida ni en lo que tú haces. Su obligación es pagar esa pérdida patrimonial porque es real y se acabó la discusión. Como si quieres tirar el coche por un barranco. No es problema del seguro lo que tú hagas con tu vehículo.
- Puede darse la situación donde el seguro del responsable del accidente no te haya pagado la pérdida de valor patrimonial y tú no informes al posible comprador. Si no informaste al comprador, te podrá realizar una reclamación por haberle engañado. En este caso tú saldrás perjudicado y quien se habrá beneficiado de no pagarte la pérdida de valor patrimonial será el seguro del causante. Tú quedarás mal, además de sufragar el importe, y el seguro con la ganancia de tu dinero estará tan tranquilo.
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Choqué con una vaca y me dan siniestro el vehículo. Puede exigir el arreglo del mismo. El coste del arreglo es de 7.500€ el mismo valor del coche de segundamano en el mercado, actualmente. Yo quiero mi coche. En principio el arreglo es de chapa y luna únicamente.
Si el siniestro es pequeño por ejemplo un bollo que la reparación cuesta 500 € también en este caso habría derecho a reclamar la pérdida patrimonial.
por mi experiencia la compañía causante del daño solo paga la reparación del mismo pero nunca paga la pérdida del valor patrimonial realmente es legal reclamarlo y la compañía tiene la obligación de pagarlo? gracias
Obviamente hay muchos factores técnicos y objetivos que influyen en la devaluación. La intensidad del accidente, que va desde si ha afectado la estructura del vehículo u otros componentes de seguridad, motor, etcétera o solo ha sido una abolladura sin importancia. Si los materiales utilizados para reparar son los originales o se trata de material paralelo de baja calidad. Si hay confianza en la profesionalidad de los mecánicos que han arreglado el vehículo o son unos ineptos. Si hay una extensa garantía REAL del fabricante sobre la reparación efectuada, etcétera.
Por otro lado está la percepción subjetiva de cada individuo (las personas del mercado). En el estudio realizamos encuestas a personas donde les es indiferente que haya sufrido un accidente mientras sepa que está perfectamente reparado, mientras había otras donde no querían saber nada del vehículo si sabía que había sufrido un accidente por pequeño que fuera.
Que la compañía del causante no paga este concepto es totalmente cierto. Pero es un concepto reclamable al 100% a la aseguradora del culpable, o al propio culpable de no tener seguro (o al Consorcio de Compensación de Seguros cuando se trata de vehículos sin seguro).
Las aseguradoras, si no reclamas, no cobras. Y la aseguradora debe ofertar este concepto en la oferta motivada que debe realizar según reza el artículo 7 de la LRCSCVM.