Rc Auto, is it convenient to reimburse the damage directly in order not to lose the merit class of the bonus-malus system?
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The calculation of the RC Auto
The cost of TPL Auto is mainly established through the bonus-malus systemwhich provides for the assignment to the owner of a class of merit (from the most expensive 18 to the cheapest 1). This system is based on a “bonus“, Obtained after a year without claims, which allows you to go down one class, and a”malus”, Which applies after an accident with fault and corresponds to an increase of two classes.
On the estimates saved on Segugio.it in the first quarter of 2022, the premium increases as the classes rise, starting from a minimum of € 278.3 for class 1 policyholders, up to a maximum of € 590.1 for policyholders in the 11-18 range (Table 1). Furthermore, following the introduction of the Family TPL, which extended the effects of the Bersani Decree, there has been a clear shift towards class 1, which now includes over 90% of the total policyholders.
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