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Akcija “Stop neregistrovanim vozilima” u saradnji Uprave policije MUP-a i Nacionalnog biroa  osiguravača Crne Gore – NBOCG

Podgorica 14.09.2018.

 

Uprava policije MUP-a i Nacionalni biro osiguravača Crne Gore – NBOCG poslednje 4 godine zajednički realizuju kampanju „Stop neregistrovanim vozilima”. Praćenjem stanja u oblasti bezbjednosti saobraćaja došlo se do podataka o značajnom broju neregistrovanih vozila ili vozila kojima nije produžena važnost saobraćajne dozvole a koja učestvuju u saobraćaju. Ova kampanja, koja će se realizovati od 15 – 30 septembra, ima za cilj ukazivanje građanima na važnost registrovanja vozila. Neregistrovana vozila po pravilu nisu tehnički ispravna, te je njihova upotreba u saobraćaju čest uzrok saobraćajnih nezgoda. Takođe, korisnici ovih vozila ne posjeduju polisu obaveznog osiguranja u saobraćaju za štete pričinjene trećim licima. Ovo znači da oštećena lica, u slučaju štete koju prouzrokuje neosigurano vozilo, naknadu štete ostvaruju iz sredstava Garantnog fonda, koji posluje u okviru NBOCG.

Od Borisa Šabana, izvršnog direktora NBOCG, saznajemo da poslednja istraživanja ukazuju, da akcije koje sprovode Uprave policije i NBOCG moraju biti intezivnije, jer je u saobraćaju uočen veliki broj neregistrovanih i neosiguranih vozila, pa je uočen porast od nekih 20% više prijavljenih šteta po ovom osnovu u 2018. godini, u odnosu na 2017. godinu.

“Garantni fond, kojim upravlja NBOCG, osnovan je, između ostalog, radi ekonomske zaštite putnika u javnom saobraćaju i trećih oštećenih lica, u slučajevima kada je šteta pričinjena upotrebom neosiguranog prevoznog sredstva.”- zaključuje Šaban.

Redovno osiguranje motornih vozila, osim što predstavlja zakonsku obavezu, ujedno je i jedno od najjeftinijih “ulaganja” u vaše vozilo. Prosječna cijena polise osiguranja od autoodgovornosti za putnička motorna vozila trenutno iznosi oko 150 €. Za tu cijenu polise obaveza osiguravajućeg društva je da pokrije sve štete koje eventualno prouzrokujete, do iznosa od 300.000 € u slučaju uništenja ili oštećenja stvari, odnosno do 550.000 € za štetu zbog smrti, tjelesne povrede i narušenog zdravlja. U slučaju da nezgodu prouzrokujete neosiguranim vozilom, oštećenom licu će naknada štete biti isplaćena iz sredstava Garantnog fonda. Nakon isplate štete Garantni fond ima pravo regresa prema licu odgovornom za štetu, za iznos isplaćene štete, kamate i drugih troškova vezanih za obradu i isplatu štete. Samo u 2017. godini, iz sredstava Garantnog fonda, na ime naknade šteta isplaćen je iznos od preko jednog miliona eura! Prosječna šteta iznosila je 2.200 €. Ako se uzme u obzir da je vjerovatnoća učešća u saobraćajnoj nezgodi na području Crne Gore oko 5% na godišnjem nivou, smatramo da je u najmanju ruku nepotrebno preuzimati rizik učešća u saobraćaju sa neregistrovanim i neosiguranim vozilom.

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