Doanh nghiệp bảo hiểm lo “sốt vó” vì mưa lũ

Sau cơn mưa lớn bất thường gây ngập lụt nặng tại TP. HCM đầu tuần qua, các doanh nghiệp bảo hiểm đã nhanh chóng tiếp cận khách hàng.

Đến thời điểm này, theo thống kê sơ bộ của một số doanh nghiệp bảo hiểm, chỉ tính riêng tổn thất về xe cơ giới, mức bồi thường đã là 10 tỷ đồng, tổn thất về tài sản kỹ thuật khoảng 20 tỷ đồng. Những con số bồi thường này được dự báo còn có thể tăng cao hơn sau khi có thống kê đầy đủ từ các đơn vị liên quan.

Theo thống kê nhanh riêng của PTI, trong ngày đầu tiên xảy ra mưa lớn, hãng bảo hiểm này đã tiếp nhận và hỗ trợ cho 130 khách hàng bị tổn thất, đa phần là tổn thất liên quan đến tình trạng ô tô bị ngập nước. Toàn bộ 50 giám định viên của PTI đã làm việc liên tục để hỗ trợ khách hàng.

Đại diện PTI cho biết, tình trạng tổn thất của các chủ xe tiếp tục tăng nhanh do vẫn còn nhiều xe bị mắc kẹt trong bãi. “Số lượng xe bị tổn thất tăng đột ngột, nên các đơn vị cung cấp dịch vụ cứu hộ đều đang quá tải. Nhiều xe ô tô, đặc biệt là các xe đang để trong bãi gửi, vẫn chưa thể được kéo về gara để sửa chữa”, đại diện PTI nói và cho biết thêm, tổn thất ban đầu về xe cơ giới của riêng PTI vào khoảng 2 tỷ đồng.

Trong khi đó, hãng bảo hiểm Liberty cũng nhận khoảng 40 trường hợp xe ô tô bị hư hỏng do ngập nước sau 2 trận mưa lớn. Liberty đang phối hợp chặt chẽ với các garage để kiểm tra xe cho khách hàng, nhằm xác định nguyên nhân hư hỏng, chẳng hạn xe bị ngập nước hay là bị thủy kích, từ đó xác định mức bồi thường tổn thất. Bởi, nếu chỉ bị ngập nước và làm vệ sinh máy thì chi phí sửa chữa trung bình khoảng một vài chục triệu đồng, còn nếu bị thủy kích thì thiệt hại sẽ nhiều hơn và tùy theo từng dòng xe, chi phí sửa chữa có thể lên đến cả tỷ đồng. Hiện nay, Liberty chưa thống kê chính xác con số thiệt hại, song ước tính sơ bộ, thiệt hại có thể hơn 4 tỷ đồng.

Theo các chuyên gia trong ngành bảo hiểm, trong các vụ tổn thất xe cơ giới do ngập lụt, nguyên nhân xe bị ngập nước thường chiếm đa số. Với dạng hư hỏng này, giá trị tổn thất thường không lớn, bởi chỉ cần làm vệ sinh xe. Còn lại khoảng 30-40% là tổn thất do thủy kích. Đây là loại tổn thất khá nghiêm trọng, nên chi phí sửa chữa tốn kém. Giá trị sửa chữa thấp nhất cũng rơi vào khoảng 50-60 triệu đồng/xe, nặng hơn có thể lên tới hàng tỷ đồng. Đáng ngại hơn, xe bị thủy kích thường để lại hậu quả nghiệm trọng, khiến giá trị thương mại của xe sụt giảm mạnh. Trên thực tế, những xe đã bị thủy kích thường ít được chọn mua và giá trị chỉ tương đương 60-70% so với những chiếc xe cùng loại.

Ngoài các hãng bảo hiểm trên, PVI cũng đã có thống kê sơ bộ về thiệt hại, với hơn 100 xe bị hư hỏng, từ thủy kích đến ngập cả xe. Trong đó, khoảng 40 xe trong tình trạng ngập nước, bị ướt sàn, hệ thống điện đang được sửa chữa và theo dõi, một số xe khác bị tổn thất khá nặng, chưa giám định được thiệt hại…

Cũng theo các doanh nghiệp bảo hiểm, trận lụt nghiêm trọng này không chỉ gây tổn thất đến xe cơ giới, mà còn gây thiệt hại lớn đến nhà cửa và tài sản. Chính vì thế, nghiệp vụ bảo hiểm tài sản kỹ thuật cũng phải bồi thường không nhỏ sau sự cố này. Thống kê nhanh của một số đơn vị liên quan cho thấy, đã có hàng chục doanh nghiệp bảo hiểm thông báo tổn thất, trong đó có những doanh nghiệp ước tính tổn thất cả chục tỷ đồng.

Trong sáng 29/9, PTI đã trực tiếp cử cán bộ đến hỗ trợ cho một số doanh nghiệp chịu tổn thất do bị nước tràn vào nhà xưởng. Các doanh nghiệp bị thiệt hại nặng nề nhất vẫn là các doanh nghiệp kinh doanh trong lĩnh vực gỗ, giấy, bông, vải sợi… Liberty cũng có một vài khách hàng mua bảo hiểm tài sản kỹ thuật bị tổn thất vì mưa ngập, tổng thiệt hại về tài sản theo ước tính ban đầu là hơn 700 triệu đồng. Còn PVI cho biết, đang tiến hành thống kê số liệu thiệt hại của khách hàng…

Đại diện một doanh nghiệp bảo hiểm cho biết, nghiệp vụ bảo hiểm tài sản kỹ thuật đa phần được bán qua kênh môi giới, nên thực tế vẫn chưa có số liệu thống kê tổn thất chính xác, bởi các bên liên quan còn đang cập nhật tình trạng hư hỏng. Bên cạnh đó, vẫn còn khá nhiều doanh nghiệp bảo hiểm chưa thống kê được hết các vụ tổn thất về tài sản kỹ thuật. Vì vậy, dự kiến con số bồi thường cho nghiệp vụ bảo hiểm này còn cao hơn gấp nhiều lần số tạm tính hiện nay.

Theo (Tinnhanhchungkhoan.vn)

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