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RCAUTO E BONUS FAMILIARE - Studio R. Carbonin

RCAUTO E BONUS FAMILIARE

/, circolazione, Le nostre consulenze/RCAUTO E BONUS FAMILIARE

Il 25 dicembre 2019 è stato pubblicato sulla Gazzetta Ufficiale il Decreto che all’Art. 55 bis prevede una importante modifica alla c.d. “Legge Bersani”.

Quando entrerà in vigore?

Entrato in vigore il 16 febbraio 2020, il testo del decreto non è comunque esente da incertezze interpretative

Il nuovo decreto ha principalmente due ambiti di intervento:

Come funziona?

  • Intersettorialità nel recupero della classe di merito in caso di “Bersani” per acquisto di nuovo veicolo: la classe di merito più virtuosa posseduta da un membro del nucleo familiare viene riconosciuta anche per veicoli di natura diversa, ad es. motociclo con autoveicolo o con ciclomotore;
  • Ampliamento dell’applicabilità del “Bersani” anche ai rinnovi. La classe di merito più vantaggiosa potrà essere richiesta anche in fase di rinnovo di un titolo assicurativo già esistente e non solo alla prima emissione dello stesso come previsto dalla “legge Bersani”.

Chi ne è escluso?

La classe di merito più vantaggiosa potrà essere utilizzata da un altro membro della famiglia a patto che non abbia causato sinistri negli ultimi cinque anni L’emendamento prevede che ci possa essere una retrocessione solo qualora l’incidente costi all’assicurazione «un indennizzo complessivamente superiore a 5.000 euro». Quindi, si ha una sorta di bonus protetto per i sinistri “minori”. Per sinistri con indennizzi superiori la penalizzazione potrà arrivare fino a cinque classi di merito.

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