{"id":26952,"date":"2026-03-04T13:05:42","date_gmt":"2026-03-04T11:05:42","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=26952"},"modified":"2026-03-04T13:05:42","modified_gmt":"2026-03-04T11:05:42","slug":"un-sinistre-cada-tres-segons","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/un-sinistre-cada-tres-segons\/","title":{"rendered":"Un sinistre cada tres segons"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2 class=\"p1\"><b>L\u2019asseguran\u00e7a gestiona un sinistre d\u2019autom\u00f2bil cada tres segons<\/b><\/h2>\n<p>[\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<em>05\/03\/26<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"p2\"><em>El cost mitj\u00e0 de cada incident \u00e9s de 920 euros i el desemborsament total arriba a gaireb\u00e9 10.200 milions d\u2019euros l\u2019any<\/em><\/p>\n<p>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1772622186643{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p2\">L\u2019asseguran\u00e7a d\u2019autom\u00f2bil va tornar a exercir un paper essencial en la mobilitat a Espanya durant el 2024. Al llarg de l\u2019any, les asseguradores van atendre prop d\u201911 milions de sinistres a la carretera, fet que es va traduir en un desemborsament total de 10.189 milions d\u2019euros, segons dades d\u2019UNESPA. En termes operatius, aquestes xifres impliquen que el sector dona resposta a un incident cada tres segons, amb un cost mitj\u00e0 per sinistre de 920 euros.<\/p>\n<p class=\"p2\">L\u2019assist\u00e8ncia en carretera va ser, amb difer\u00e8ncia, l\u2019actuaci\u00f3 m\u00e9s freq\u00fcent, en concentrar dues de cada cinc intervencions realitzades per les companyies. A continuaci\u00f3 es van situar els danys propis, la responsabilitat civil material i el trencament de llunes, que completen el grup de cobertures amb m\u00e9s volum de sinistres.<\/p>\n<p class=\"p1\"><b>Responsabilitat civil corporal i incendis, els sinistres m\u00e9s costosos<\/b><\/p>\n<p class=\"p2\">Tot i que no s\u00f3n els incidents m\u00e9s habituals, els sinistres de responsabilitat civil corporal destaquen pel seu elevat impacte econ\u00f2mic. Amb un cost mitj\u00e0 de 7.218 euros per sinistre, amb prou feines representen el 4,3% del total de percances, per\u00f2 absorbeixen m\u00e9s d\u2019un ter\u00e7 de l\u2019import total de les indemnitzacions abonades per l\u2019asseguran\u00e7a d\u2019autom\u00f2bil.<\/p>\n<p class=\"p2\">Tamb\u00e9 sobresurten per la seva gravetat econ\u00f2mica els incendis de vehicles, amb un cost mitj\u00e0 de 4.436 euros. Aquestes dades posen de manifest que algunes cobertures poc freq\u00fcents en nombre de sinistres poden generar indemnitzacions de gran severitat quan es produeixen.<\/p>\n<p class=\"p2\">A l\u2019extrem oposat se situa l\u2019assist\u00e8ncia en carretera, que presenta el cost mitj\u00e0 m\u00e9s baix, amb 149 euros per intervenci\u00f3. Tanmateix, la seva elevada freq\u00fc\u00e8ncia \u2014m\u00e9s del 40% dels sinistres atesos\u2014 la converteix en una de les \u00e0rees amb una c\u00e0rrega operativa m\u00e9s gran per a les asseguradores.<\/p>\n<p class=\"p1\"><b>Les cobertures m\u00e9s contractades pels conductors<\/b><\/p>\n<p class=\"p2\">L\u2019an\u00e0lisi de l\u2019assegurament revela quines s\u00f3n les prioritats dels conductors a l\u2019hora de configurar les seves p\u00f2lisses. La protecci\u00f3 del conductor responsable de l\u2019accident \u00e9s la cobertura volunt\u00e0ria m\u00e9s estesa, present en el 94,6% dels vehicles. La segueixen la defensa jur\u00eddica (87,6%) i el trencament de llunes (77,8%).<\/p>\n<p class=\"p2\">Per contra, altres garanties mostren nivells m\u00e9s baixos de contractaci\u00f3, com la retirada del carnet (26,8%), els danys propis (39,9%) o l\u2019assist\u00e8ncia en carretera (56,4%), malgrat que algunes d\u2019aquestes cobertures concentren un volum elevat de sinistres o suposen importants desemborsaments quan es produeixen. No en va, els danys propis representen un de cada cinc percances, amb un cost mitj\u00e0 de 1.090 euros, mentre que l\u2019assist\u00e8ncia en carretera interv\u00e9 en quatre de cada deu incidents.<\/p>\n<p class=\"p1\"><b>Difer\u00e8ncies segons el tipus de vehicle i l\u2019edat del conductor<\/b><\/p>\n<p class=\"p2\">El comportament assegurador varia de manera significativa segons el tipus de vehicle. Els turismes, que constitueixen la major part del parc m\u00f2bil, presenten altes taxes de contractaci\u00f3 en la majoria de cobertures volunt\u00e0ries. En canvi, les motocicletes i els ciclomotors compten amb una protecci\u00f3 m\u00e9s redu\u00efda davant d\u2019incendis, robatoris, danys propis o llunes, tot i que recorren amb m\u00e9s freq\u00fc\u00e8ncia a l\u2019assist\u00e8ncia en carretera i a la defensa jur\u00eddica.<\/p>\n<p class=\"p2\">L\u2019edat del conductor tamb\u00e9 influeix en l\u2019elecci\u00f3 de cobertures. Els conductors m\u00e9s joves tendeixen a contractar en menor mesura els danys propis, mentre que els assegurats de m\u00e9s edat presenten nivells m\u00e9s elevats d\u2019assegurament en garanties com les llunes i l\u2019assist\u00e8ncia en viatge.<\/p>\n<p class=\"p1\"><b>Un mapa territorial amb grans contrastos<\/b><\/p>\n<p class=\"p2\">L\u2019estudi permet, a m\u00e9s, dibuixar un mapa desigual de la sinistralitat a Espanya. Madrid encap\u00e7ala el r\u00e0nquing, amb 2,77 milions de sinistres i 1.813 milions d\u2019euros en indemnitzacions, seguida de Barcelona (842.527 sinistres i 938,3 milions d\u2019euros) i Val\u00e8ncia (584.498 sinistres i 481,3 milions).<\/p>\n<p class=\"p2\">A l\u2019extrem oposat se situen S\u00f2ria, Pal\u00e8ncia, Terol i Zamora, les prov\u00edncies amb un menor volum de parts, una difer\u00e8ncia explicada per factors com la densitat de poblaci\u00f3, la mobilitat di\u00e0ria i la composici\u00f3 del parc automobil\u00edstic.<\/p>\n<p class=\"p2\">A escala municipal, la probabilitat de patir un accident tamb\u00e9 presenta variacions importants. Melilla, Jerez de la Frontera i Algesires destaquen per registrar r\u00e0tios m\u00e9s elevades d\u2019accidents lleus, mentre que Chiclana de la Frontera encap\u00e7ala la classificaci\u00f3 en incidents greus. Per contra, les ciutats on es condueix millor s\u00f3n Oriola, El Prat de Llobregat i Barcelona en accidents lleus, i Osca, Sant Sebasti\u00e0 i Sant Cugat del Vall\u00e8s en els sinistres de m\u00e9s gravetat.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text]<\/p>\n<h2>\u00daltimes not\u00edcies<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] L\u2019asseguran\u00e7a gestiona un sinistre d\u2019autom\u00f2bil cada tres segons [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]05\/03\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;] El cost mitj\u00e0 de cada incident \u00e9s de 920 euros i el desemborsament total arriba a gaireb\u00e9 10.200 milions d\u2019euros l\u2019any [\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1772622186643{margin-bottom: 20px !important;}&#8221;] L\u2019asseguran\u00e7a d\u2019autom\u00f2bil va tornar a exercir un paper essencial en<\/p>\n","protected":false},"author":562,"featured_media":26953,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2158,1868],"class_list":["post-26952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mednews-293","tag-mn-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Un sinistre cada tres segons - Col-legi de Mediadors d&#039;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\/un-sinistre-cada-tres-segons\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Un sinistre cada tres segons - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] L\u2019asseguran\u00e7a gestiona un sinistre d\u2019autom\u00f2bil cada tres segons [\/vc_column_text][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]05\/03\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;] El cost mitj\u00e0 de cada incident \u00e9s de 920 euros i el desemborsament total arriba a gaireb\u00e9 10.200 milions d\u2019euros l\u2019any [\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1772622186643{margin-bottom: 20px !important;}&#8221;] L\u2019asseguran\u00e7a d\u2019autom\u00f2bil va tornar a exercir un paper essencial en\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/un-sinistre-cada-tres-segons\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-04T11:05:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2026\/03\/COCJHE-liam-ward-NrxgydcJvi0-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\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\\\/un-sinistre-cada-tres-segons\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/un-sinistre-cada-tres-segons\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Un sinistre cada tres segons\",\"datePublished\":\"2026-03-04T11:05:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/un-sinistre-cada-tres-segons\\\/\"},\"wordCount\":933,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/un-sinistre-cada-tres-segons\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/COCJHE-liam-ward-NrxgydcJvi0-unsplash-scaled.jpg\",\"keywords\":[\". 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