{"id":23906,"date":"2025-06-19T04:36:11","date_gmt":"2025-06-19T02:36:11","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\/"},"modified":"2025-06-19T04:39:06","modified_gmt":"2025-06-19T02:39:06","slug":"nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\/","title":{"rendered":"Nou projecte de llei de RC i asseguran\u00e7a d’actuacions"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

LEGISLACI\u00d3<\/pre>\n
Nou projecte de llei de RC i asseguran\u00e7a d’actuacions
\n<\/b><\/h2>\n
[\/vc_column_text][vc_column_text css=””]El text enviat al Senat inclou m\u00e9s protecci\u00f3 per al consumidor
\n<\/strong>[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1750300565891{margin-bottom: 20px !important;}”]El Butllet\u00ed Oficial de les Corts Generals publica l’informe de la pon\u00e8ncia sobre el Projecte de Llei que retoca alguns aspectes de la Llei sobre Responsabilitat Civil i Segur d’Actuacions. Aquest text ha estat aprovat pel Congr\u00e9s i s’ha enviat al Senat per a la seva ratificaci\u00f3. La nova llei inclour\u00e0 novetats importants pel que respecta a la ind\u00fastria de l’asseguran\u00e7a. L’objectiu \u00e9s adaptar la normativa a la realitat actual en la qual han aparegut noves formes de mobilitat i brindar major protecci\u00f3 al consumidor.<\/p>\n
El Consell de Ministres ja va aprovar el Projecte de Llei pel qual es transposa la Directiva 2021\/2118 relativa a l’asseguran\u00e7a de responsabilitat civil per a la circulaci\u00f3 de vehicles autom\u00f2bils aix\u00ed com el control de l’obligaci\u00f3 d’assegurar aquesta responsabilitat. Aix\u00ed mateix, la norma modifica la Llei sobre responsabilitat civil i segur en la circulaci\u00f3 de vehicles de motor i la Llei d’ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia de les entitats asseguradores i reasseguradores.<\/p>\n
La nova norma millora la cobertura, indemnitzacions i seguretat de les v\u00edctimes d’accidents causats per vehicles de motor. Per a aix\u00f2 estableix una definici\u00f3 m\u00e9s clara i \u00e0mplia dels vehicles que han de disposar de l’asseguran\u00e7a obligat\u00f2ria de responsabilitat civil; millora el sistema de valoraci\u00f3 de les indemnitzacions per danys personals; dona major seguretat a les v\u00edctimes d’accidents en cas d’insolv\u00e8ncia per part de les entitats asseguradores i millora el control que fan les autoritats de l’exist\u00e8ncia d’asseguran\u00e7a.<\/p>\n
La transposici\u00f3 de la Directiva amplia la definici\u00f3 de vehicles de motor, la qual cosa comporta l’extensi\u00f3 de l’asseguran\u00e7a obligat\u00f2ria a vehicles agr\u00edcoles o industrials, que fins ara estaven exempts, augmentant aix\u00ed la protecci\u00f3 de les v\u00edctimes. Els propietaris d’aquests vehicles tindran un termini de 6 mesos des que es publiqui la Llei per a subscriure aquesta asseguran\u00e7a. Aix\u00ed mateix, en l’avantprojecte s’introdueix el concepte de vehicle personal lleuger, que s\u00f3n els vehicles de motor que poden aconseguir una velocitat m\u00e0xima entre 6 i 25 km\/h si el seu pes \u00e9s inferior a 25 kg o una velocitat m\u00e0xima entre 6 i 14 km\/h si el seu pes \u00e9s superior a 25 kg. Aquests vehicles, entre els quals es troben els patinets el\u00e8ctrics o els vehicles de mobilitat personal, hauran de disposar d’una asseguran\u00e7a obligat\u00f2ria de responsabilitat civil. Es busca aqu\u00ed compatibilitzar l’impuls al transport urb\u00e0 sostenible amb la protecci\u00f3 a les v\u00edctimes d’accidents causats per aquests nous vehicles.<\/p>\n
Amb la finalitat d’establir les caracter\u00edstiques i abast d’aquesta modificaci\u00f3, la Comissi\u00f3 de Seguiment del Sistema de Valoraci\u00f3 disposar\u00e0 de 6 mesos des de la publicaci\u00f3 de la Llei per a emetre una proposta de desenvolupament reglamentari de l’asseguran\u00e7a obligat\u00f2ria per a aquests vehicles personals lleugers. Aix\u00ed mateix, el Govern haur\u00e0 de posar en marxa un registre p\u00fablic de vehicles personals lleugers abans del 2 de gener de 2026. La nova normativa introdueix tamb\u00e9 millores substancials en les indemnitzacions a les v\u00edctimes. Aquests canvis compten amb el consens de totes les parts involucrades, que es reuneixen en la Comissi\u00f3 de Seguiment del Sistema de Valoraci\u00f3, posant de manifest la voluntat de l’Administraci\u00f3 P\u00fablica, associacions de v\u00edctimes, asseguradores i experts en assegurances i responsabilitat civil per millorar el marc regulador.<\/p>\n
Aquestes modificacions tenen com a objectiu agilitzar el procediment de valoraci\u00f3 de les indemnitzacions, evitant en la mesura del possible la via judicial en permetre acudir a qualsevol alternativa extrajudicial de resoluci\u00f3 de conflictes; facilitant informes m\u00e8dics i atestats policials de manera gratu\u00efta, i establint terminis m\u00e9s redu\u00efts de valoraci\u00f3 m\u00e8dica i emissi\u00f3 d’informes, entre altres mesures. Pel que respecta als imports de les cobertures, s’actualitzaran conforme a l’\u00cdndex de Preus al Consum. I s’incrementen o s’amplien alguns sup\u00f2sits indemnitzatoris per a millorar la cobertura dels afectats, com \u00e9s el cas per exemple de les persones dedicades a les feines de casa de la unitat familiar.<\/p>\n
Amb l’objectiu tamb\u00e9 de donar major seguretat a les v\u00edctimes d’accidents de tr\u00e0nsit, s’amplien els sup\u00f2sits d’indemnitzaci\u00f3 coberts per part del Consorci de Compensaci\u00f3 d’Assegurances. D’aquesta manera, el Consorci cobrir\u00e0 els accidents en cas d’insolv\u00e8ncia per part de les entitats asseguradores. Finalment, es modifica la Llei 20\/2015 d’ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia de les entitats asseguradores que permetr\u00e0 incrementar i millorar les facultats de control del supervisor per a garantir la idone\u00eftat de les persones que dirigeixen l’asseguradora; i la introducci\u00f3 de plans preventius de recuperaci\u00f3 com a eina d’anticipaci\u00f3 i de gesti\u00f3 de crisi per les asseguradores.[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n
\u00daltimes not\u00edcies<\/h2>\n
[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"
[vc_row][vc_column width=”3\/4″][vc_column_text css=””] LEGISLACI\u00d3 Nou projecte de llei de RC i asseguran\u00e7a d’actuacions [\/vc_column_text][vc_column_text css=””]El text enviat al Senat inclou m\u00e9s protecci\u00f3 per al consumidor [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1750300565891{margin-bottom: 20px !important;}”]El Butllet\u00ed Oficial de les Corts Generals publica l’informe de la pon\u00e8ncia sobre el Projecte de Llei que retoca alguns aspectes de la Llei sobre<\/p>\n","protected":false},"author":562,"featured_media":23903,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[160,1868,2064],"class_list":["post-23906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mediarionews","tag-mn-2","tag-mn276"],"yoast_head":"\nNou projecte de llei de RC i asseguran\u00e7a d'actuacions - Col-legi de Mediadors d'Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nou projecte de llei de RC i asseguran\u00e7a d'actuacions - Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=”3\/4″][vc_column_text css=””] LEGISLACI\u00d3 Nou projecte de llei de RC i asseguran\u00e7a d’actuacions [\/vc_column_text][vc_column_text css=””]El text enviat al Senat inclou m\u00e9s protecci\u00f3 per al consumidor [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1750300565891{margin-bottom: 20px !important;}”]El Butllet\u00ed Oficial de les Corts Generals publica l’informe de la pon\u00e8ncia sobre el Projecte de Llei que retoca alguns aspectes de la Llei sobre\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d'Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-19T02:36:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-19T02:39:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2025\/06\/peter-broomfield-m3m-lnR90uM-unsplash-2-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Nou projecte de llei de RC i asseguran\u00e7a d’actuacions\",\"datePublished\":\"2025-06-19T02:36:11+00:00\",\"dateModified\":\"2025-06-19T02:39:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/\"},\"wordCount\":956,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/peter-broomfield-m3m-lnR90uM-unsplash-2-scaled.jpg\",\"keywords\":[\"MediarioNews\",\"MN\",\"MN276\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/nuevo-proyecto-de-ley-de-rc-y-seguro-de-autos\\\/\",\"name\":\"Nou projecte de llei de RC i asseguran\u00e7a d'actuacions - 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