This news article was originally written in Spanish. It has been automatically translated for your convenience. Reasonable efforts have been made to provide an accurate translation, however, no automated translation is perfect nor is it intended to replace a human translator. The original article in Spanish can be viewed at Consumo respalda a los talleres frente a las prácticas de los seguros

The peritación and compensation of the vehicle in situ can derive in situations of fraud

Consumption backs to the workshops in front of the practices of the insurance

Editorial Interempresas27/06/2013

The Andalusian Council of Consumption has decided unanimously back to the workshops in front of determinate practices of some insurance companies that, protecting in the Law of the Safe, engage in good measure the hygiene of the consumers, being able to induce even to situations of fraud.

The General Office of dependent Consumption of the Board of Andalucia goes out to the step of the query realised by the Andalusian Federation of Workshops (FATA) -active member of Ganvam- on the habit, increasingly usual, of some insurers of peritar in situ a vehicle and credit the compensation of the damage to his headline to the moment but without VAT.

Although this practical indemnizatoria of some insurers realises according to what marks the Law of the Safe, the true is that it does not cover the total of the repair, what is generating to the consumers a grave damage since when they attend to the workshop to repair his vehicle, this demands them the payment of 21% of VAT that have not perceived with the compensation.

This “extra cost” finishes deterring in a lot of cases to the owner of the vehicle to go forward with the repair, forcing to the workshop to throw the prices with the damage that supposes for his already of in case maltrechas accounts of results.

In other cases, the refusal of the workshop to realise the repair without clearing the corresponding tax pushes to the users to attend to an illegal workshop without any type of control and with pieces of doubtful origin, what abarata the final price by the expense of engaging the hygiene of the drivers.

In case it was little, the casuística does not finish here. The crisis is sharpening the “picaresque “" and every time they are more the users that, having received in situ the compensation by the damage of his vehicle, prefer to allocate this amount to "cover other domestic holes” that at all have to see with the arrangement in the workshop, what aggravates the already of by himself difficult situation of the posventa and repercute of negative form in the hygiene vial when favouring the circulation of trucks without repairing.

According to the president of Ganvam, Juan Antonio Sánchez Torres, “are in front of a clear example of how a measure with legal base can cause an effect pernicioso to workshops, drivers and even to the public inland revenue. It is precise to review and update determinate rules to avoid these incongruences that come producing every time with more frequency along all the Spanish geography. From Ganvam applaud the firm and congruent posture of the Andalusian Council of Consumption that trust serve to put brake to these practices of some insurers”.

The National Association of Sellers of Vehicles to Engine, Repair and Spare parts (Ganvam) is a non-profit organisation and independent politically founded in 1957 that groups to near of 9.000 associated between authorised car dealers; compraventas independent; official services; concerted agencies, and independent workshops, among others sectors of the distribution: new vehicles; used; tourisms; industrial; motorcycles and agricultural tractors. In group, these companies commercialise and give service to more than 80% of the national park. The main aim of Ganvam is to represent the interests of the distributors and reparadores in front of the Government, the distinct AA.PP. And the society in general, improving the socioeconomic paper that exerts his sector, with the creation of 278.000 employments and a turnover of more 95.000 million euros, what supposes 9% of the GDP.