🔵DESASTRE EN BAHÍA BLANCA: ¿QUÉ CUBREN LAS COMPAÑÍAS DE SEGUROS?
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00:00With this phrase that the testimony said, the insurance does not cover it, is that so?
00:04Yes, look, I'm going to talk to you about what is strictly the technicism and what would have to happen for me.
00:11Let's see.
00:11They are two different things.
00:13The insurance, of course, yes, in a vehicle there are different types of coverage.
00:19There is a coverage that covers the civil responsibility only,
00:23which are all the damages that you cause with that vehicle to a third party, whether it is a thing or a person.
00:29And then you can include other types of coverage,
00:33which, for example, total destruction, in this case,
00:37would lead you to the coverage that some cases of these that we are looking at can cover you.
00:43So it all depends on what the coverage is.
00:46Now, Gabriel, what happens when total destruction is the product of a climatic situation,
00:52the small letter, what does it say?
00:54Look, the small letter, in this case, there are companies that have the additional flood,
01:00but in this case, as it is a catastrophe, the vehicle covers that contemplate total destruction,
01:07if so, as in the cases that we are looking at, these cars that are with total destruction,
01:12how is total destruction determined?
01:14That the repair of the vehicle does not exceed 80% of the value.
01:19Repeat it so that it is understood.
01:21That is, if the destruction exceeds 80% of the cost of repair, it no longer covers.
01:28If the repair of the damages of that vehicle exceeds the value,
01:34above 80% of the value of that vehicle,
01:38the company determines total destruction,
01:40and if they are covered by the coverage,
01:42the company must compensate that person as total destruction.
01:47That is, it must be compensated with the total value of the vehicle.
01:50Now, and this is a coverage, what we call vulgarly, against all risks,
01:55which also has this section, or any coverage against all risks covers this type of catastrophe?
02:01No, the difference is that you have a coverage of complete third parties,
02:04which is the one that is normally used in the market,
02:07which is the one that supports total destruction.
02:09The one of all risks protects you from any type of situation that happens to you in the vehicle.
02:14That is, that person who has a coverage of all risks,
02:18the coverage will stop any situation,
02:20a partial damage or a total damage.
02:23That is the difference.
02:24Exactly, because the total damage is the one that we must have a repair above 80% of the value.
02:31The partial damage, that is, a coverage of all risks,
02:34you have covered any situation that may happen to you in the vehicle.
02:38Well, and to get an idea of the percentage of insured vehicles,
02:43how many have this situation covered?
02:46In percentage, in general, in general.
02:49Look, there is always a 40% that you can have.
02:55It all depends on the geographical location and whatever the economic availability.
03:01Because I think of that 60% that sends it lost.
03:05That 60%, most likely, and there is more the percentage,
03:10I do not have a coverage of all risks.
03:12And there is also a very important percentage that will have the coverage of civil liability only,
03:19which does not even cover this possibility that we are facing.
03:23And the loss is total.
03:25And the loss, but never in catastrophic cases.
03:27Maybe I think, Gabriel, let's see, what happened has already happened,
03:31but I think forward, if we do not have to start changing the culture
03:36regarding insurance and perhaps face a slightly higher expense
03:40and think of a more complete coverage.
03:43And yes, the total percentage of the population is very small,
03:48based on the insured population.
03:51Of course, when these types of situations happen,
03:53one sees what is the dimension of insurance coverage.
03:57And really, here, there is also a bit missing,
04:00there is a pending that the insurance industry has,
04:03which is the awareness.
04:04Spread.
04:05Spread.
04:06And well, and we also, the citizens, have to be aware
04:10that there is coverage that must be had.
04:12And they also thought the houses, right?
04:14Sorry, I close with this, because here we see destruction of houses,
04:18absolutely lost appliances.
04:21There, if you are not insured, you were.
04:23There you have to have a family combination,
04:25which is a punctual coverage of your home,
04:28which will cover everything that are the specific issues,
04:32appliances.
04:33They will not cover the houses,
04:35because the house has a specific insurance that is called consortium,
04:39in case they are buildings above all.
04:41And if they are individual houses.
04:43And if they are individual houses,
04:45undoubtedly and indispensably you have to have insurance coverage.
04:49No, but there is no pocket to hold.
04:51Of course, what I also want to convey to the people
04:55who are going through this situation,
04:57in other cases, the insurance industry was supportive.
05:01I believe that here is a moment where the entrepreneur has to be supportive,
05:05beyond the small letter.
05:07Because the function of the entrepreneur
05:09is not only that companies have economic success.
05:13Here is the moment where we have to be supportive.
05:16The sector will do something with this?
05:18The sector has always been supportive in these cases.
05:21I will push from my place,
05:23of course I have made the decision that yes,
05:26and I think that mostly, except for exceptions,
05:29unfortunately, the insurance industry will be supportive.
05:32What does that solidarity mean?
05:34To be supportive, not to be tied to the small letter,
05:37to put on the shoes of the people who are going through this situation,
05:41and that sometimes it is time to win and sometimes it is time to invest.
05:46So today is the moment.
05:48Entrepreneurs not only have a function of making money and leading their companies,
05:55they have a solidarity function,
05:57which is here where we really have to be present.
06:01Gabriel, I have a question because it has to do with the amount of insured that you mentioned,
06:07that most have civil insurance, let's say, or third parties.
06:13However, there is a large percentage that directly does not have insurance.
06:17This is historical in the world of insurance,
06:19and when you go to housing, it is much bigger.
06:23In housing?
06:25Yes, totally, totally.
06:27And when you go to the centers ...
06:29And when you go to the interior, even bigger.
06:31And in the interior, in the second cordon of the interior, even bigger.
06:35There it goes through a question that we are already talking about an economy,
06:40we are talking about something much deeper,
06:42that really there are many things to solve.
06:45But well, there are also the possibilities of mandatory insurances,
06:49which are not as expensive as they are.
06:52But they are not fulfilled.
06:54They are not fulfilled, they are mandatory.
06:56Unfortunately, sometimes they are not fulfilled
06:58because people cannot absorb it because of their economy,
07:01and sometimes there is a part of irresponsibility as well.
07:04Let me give you that.
07:06We add it to Matías de Ambrosio, who is a scientific colleague,
07:10because when we talk about thinking ahead,
07:13of reconfiguring all of us,
07:15of learning, this is what Gabriel was explaining,
07:18that there is a lot to learn.
07:20And obviously, if climate change continues on this path,
07:23there will be more and more to learn.
07:25Totally. When we talk about climate change,
07:27these are issues that scientists have been warning about for 20, 30 or 40 years.
07:32I have been covering these situations for 20 years.
07:35Yes, even in Bahia Blanca.
07:37CONICET and UTN warned.
07:39A report from CONICET in 2012,
07:41one from UTN in 2018 and ...
07:43Nothing.
07:44That is why it is very important to give funding to the scientists
07:47who work on these issues,
07:49and then, with the results,
07:51try to do something with that,
07:53and try to make the cities planned.
07:56Because in Latin America we have a situation
07:58where people are placed where they can,
08:01in places more or less close to the big cities.
08:04But there are also closed neighborhoods
08:06that do not take into account the ecological issue.
08:09This is very important as well,
08:11because as we see, in Bahia Blanca
08:13it was something quite universal.
08:15It affected upper classes and lower classes.
08:18The problem is that it can happen at any time.
08:21And we saw it in the Dana of Valencia.
08:23Of course.
08:25So we have droughts, flooding,
08:27we have problems everywhere,
08:29we have fires.
08:31So it is a situation that must be taken into account
08:33for the future to be planned.
08:35I wanted to focus on insurance,
08:37those who are insured.
08:39Can some insurance companies
08:41set a 72-hour deadline to file a complaint?
08:43Maybe they didn't even have a phone,
08:45and they put it as an excuse
08:47so as not to cover anything?
08:49It would be crazy
08:51if a company
08:53wanted to reject a disaster
08:55by late complaint.
08:57It would be crazy.
08:59They would even have to report it.
09:01If that happens to a person,
09:03they would have to report it.
09:05Why today?
09:07People are seeing how they save their lives,
09:09how they save their belongings.
09:11There is no possibility for me,
09:13beyond the fact that I was talking about
09:15technicality,
09:17that this is part of the letter
09:19of a policy,
09:21that this exists for me.
09:23There is no place to reject
09:25a disaster by late complaint.
09:27And if it happens to someone,
09:29there is the National Insurance Superintendent,
09:31who is the entity that controls
09:33the insurance companies,
09:35and he should not allow it.
09:37I imagine, sorry Facu Marina,
09:39that in Bahia Blanca,
09:41for example in Coronel Rosales,
09:43there are small companies,
09:45there are the big players,
09:47in the metropolitan area,
09:49so I imagine for a small company
09:51they start to put some problems,
09:53and it is not so easy to bank,
09:55as you just mentioned,
09:57that you need help from the nation,
09:59or the province,
10:01or the business chambers.
10:03And above all,
10:05because of their own economic size,
10:07they have the possibility of reassuring.
10:09So it is not an excuse
10:11the dimension of an insurance company.
10:13Ah, you mean that they take coverage
10:15in bigger companies.
10:17I can have a priority
10:19to cover,
10:21but the excess of what I can not cover,
10:23I can reassure
10:25and give part of my business.
10:27That means that I'm staying with a part of my business
10:29that I should not have created.
10:31There is a non-taxed society
10:33between the company
10:35and the insured.
10:37Let's say that
10:39the vehicle
10:41that was, let's say,
10:43damaged,
10:45has no chance of recovery.
10:47Can not be generated, let's say,
10:49as a bond, a link between the company
10:51and the insured,
10:53to scratch the car and shrink,
10:55let's say,
10:57if there is a value of the car armed,
10:59the value of the scratched car
11:01and sell as a piece,
11:03so that the insurer
11:05somehow accompanies the insured.
11:07Very good, Luis Enzo.
11:09Luis, what you tell me,
11:11today there is the SESBI,
11:13that all cars that go to scratch
11:15go to that entity
11:17that controls the scratch
11:19of all vehicles.
11:21Because there has been a lot of handling
11:23and mismanagement in what is vehicle scratch.
11:25Of course that has a cost
11:27and that can accompany that cost
11:29to the one who has no coverage,
11:31that at least
11:33amortizes the damage
11:35that is causing him.
11:37And Camil, I think,
11:39we talk about cars, we talk about houses,
11:41I think, for example, of enterprises,
11:43it is a rural area,
11:45or commercial premises,
11:47there it operates the same as on a property?
11:49There it operates the same as on a property.
11:51Fundamental is that you have
11:53insurance policy.
11:55With insurance policy
11:57it is very difficult to open that fan
11:59and open arms and be supportive,
12:01because we do not generate expectations
12:03that will not be met later.
12:05But with insurance policy,
12:07today the insurance industry
12:09has to be supportive,
12:11but there has to be insurance policy,
12:13otherwise it is very complicated.
12:15The option that you have left
12:17is the line of credit,
12:19we know that credits are being launched
12:21with Tanzablanda, both in the nation
12:23and in the world,
12:25it is a credit,
12:27that is, there is a loan that you are taking
12:29and you have to pay it back.
12:31It goes more for the financial industry.
12:33I keep thinking,
12:35this is what we were talking about,
12:37Horacio, if the Argentine economy
12:39continues with high volumes of informality.
12:41Yes, thinking of everything insured
12:43is an option.