The increase in TPL rates is influenced by the increases in spare parts prices, but also by some policies adopted by insurance companies.
This was stated by Federcarrozzieri, the association of Italian body shops, which on Wednesday 14 February will present a dossier to Mimit and Mister Prezzi on the occasion of the Rapid Alert Commission meeting for monitoring prices in the insurance sector.
"A survey carried out by us on a sample of approximately 7,000 accidents covered by car liability insurance - states Federcarrozzieri - allowed us to separate the costs of repairs: 22% of the total is represented by labour, 64% by the cost of spare parts, 12% % from that of consumables.
The cost of disposal and rental of replacement vehicles is irrelevant and is equal in both cases to 1% of the total cost of the accident", it explains.
"The cost of repairs is instead strongly influenced by the increases in spare parts prices which from 2021 to today have increased on average by +48%, and in the last year by +13%. This weighs on the costs of repairs, and consequently on the trend of car insurance rates - continues Federcarrozzieri - is also the fact that insurance companies directly or indirectly control the repair market, i.e. approximately 15% of companies in whose favor over 50% of claims are channeled".
"But the increase in repair costs is also due to the forms of repair brokerage - denounces the president Davide Galli - The choice of insurance companies to use repair broker companies, i.e. structures which for a fee act as intermediaries between the company that pays the damage and the repairer who carries out the repairs, increases the cost of claims, extending the repair chain, with negative effects on the car insurance rates paid by insureds".
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