Worse solution?

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The Ministry of Finance, Transport and Health announced a few days ago that from December the policy for Compulsory Traffic Accident Insurance (Soat) will be reduced by 50% for motorcycles and other urban transport vehicles less than 200 cubic centimeters. Hours after this news, groups of motorcyclists took to the streets of Bogotá to protest against the issue, the condition of the roads and “police harassment”.

This example of the national government’s generosity with motorcyclists will, according to official figures, cost about $2 billion and create a deficit that will be covered by the additional budget of the Administrator of the Resources of the General System of Social Security in Health ( address) . in other words, it would be A new subsidy for these drivers whose accident rate is higher than the restWhich will come from the money allocated for health and which will be one-tenth of all tax reform collections in 2023.

Looking at these accounts it is worth asking what is the intention of the ministers? And what aspects of the complex problem around SoT are you trying to solve with this injection of capital? Petro Government’s stipulation that the half-cost policy encourages the acquisition of this insurance and thus reduces the current high evasion. According to Runt, of the more than 10.5 million motorcycles circulating in the country today, only 4.2 million have compulsory insurance, i.e. 40%.

The problems with Sauté go beyond procrastination. For motorcycles with fewer cylinders, beneficiaries of these subsidies today pay 2.2 times less commensurate with their risk, but family vehicles between 1,500 and 2,500 cubic centimeters pay 5.2 times more, according to Fascolda. Added to the above is that 87% of accidents with registered injuries involved a motorcycle and the number of accidents in the first half of this year – 472 thousand – is more than 23% registered in the first half of 2021. Fraud and corruption largely ruined Sot’s finances.

Exorbitant medical charges, double charges, ambulances and ‘posters’ from hospitals and IPS, cost escalation on drugs and equipment, multiple accidents charged for the same policy, false traffic accidents among others are added up, which are prevalent. There are practices that threaten the viability of this insurance for insurers and healthcare companies. There are $456 billion in claims and losses which was over $250 billion last year and a negative $137 billion has already been recorded in the first half of the year.

Finally, the government will use 10% of the money from tax reform to subsidize the cost of the policy for motorcyclists, who already pay little due to their high accident rates, among other aspects defined to be addressed. The complex problem of a source without a path. It is unclear how this generous cut translates, for example, into tighter controls on the millions of motorcyclists who travel today – and are involved in accidents – without the protection of the law.

hSpecific measures are needed to deal with these different forms of fraud and outright theft that take advantage of this type of insurance. Sot deserves a comprehensive review beyond more subsidies to, for example, include incentives for those who don’t suffer accidents, as well as the sale of safer motorcycles and greater civic responsibility. Politicizing the discussion, succumbing to pressure from motorcyclists is an incomplete solution.

Francisco Miranda Hamburger
[email protected]
Twitter: @pachomiranda

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