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Wytyczne Komisji Nadzoru Finansowego

Opublikowany 2014-10-16 przez admin-crm

16 grudnia 2014 r. zostały opublikowane Wytyczne Komisji Nadzoru Finansowego dotyczące likwidacji szkód komunikacyjnych. (Komisja Nadzoru Finansowego to centralny organ administracji rządowej sprawujący nadzór nad rynkiem finansowym w Polsce). Konieczność zajęcia przez tę Komisję stanowiska w sprawie likwidacji szkód z ubezpieczeń komunikacyjnych wynika z nieprawidłowości stwierdzonych w toku nadzoru nad zakładami ubezpieczeń. Komisja stwierdziła m. in.:

niedostateczny nadzór i kontrole zakładów ubezpieczeń nad podmiotami zewnętrznymi wykonującymi na rzecz tych zakładów czynności z zakresu likwidacji szkód
niedostateczny nadzór i kontrole organów zakładów ubezpieczeń nad procesem likwidacji szkód.
Powyższe uwagi odnoszą się do zakładów rzemieślniczych wykonujących naprawy powypadkowe środków transportu oraz potencjalnych klientów firm ubezpieczeniowych. Czytając „Wytyczne…” należy podkreślić bardzo rygorystyczne stanowisko Komisji Nadzoru Finansowego do procedur, jakie mają stosować zakłady ubezpieczeń. Dopuszczalne jest stosowanie w ramach postępowania likwidacyjnego szkody komunikacyjnej np. nagrywanie rozmów telefonicznych, wykorzystywanie instytucji „tajemniczego klienta” (pkt. 4.4 Wytycznych). Z „Wytycznymi …” winny zapoznać się nie tylko rzemieślnicze zakłady wykonujące usługi naprawcze w zakresie blacharstwa i lakiernictwa samochodowego, ale również cała branża motoryzacyjna.
Informujemy, że zgodnie z ustaleniem Komisji Nadzoru Finansowego stosowanie „Wytycznych…” do szkód zgłoszonych zakładom ubezpieczeń wchodzi w życie po 31 marca 2015 r. Pełny tekst „Wytycznych…” znajduje się na stronie www.knf.gov.pl pod zakładką „wytyczne sektora ubezpieczeń”

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