{"id":1795,"date":"2025-03-31T10:15:36","date_gmt":"2025-03-31T09:15:36","guid":{"rendered":"https:\/\/segurosecidadania.pt\/?p=1795"},"modified":"2025-03-31T18:21:39","modified_gmt":"2025-03-31T17:21:39","slug":"ricardo-ferreira-reis-3-2-2-3-2-2-7-2-2-2-2-2-2-2-2","status":"publish","type":"post","link":"https:\/\/segurosecidadania.pt\/?p=1795","title":{"rendered":"INDEMNIZA\u00c7\u00c3O DIRETA AO SEGURADO"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4wrulk-8315136fb9925a90c2b28689be66895e\">\n.avia-section.av-4wrulk-8315136fb9925a90c2b28689be66895e{\nbackground-color:#ff8100;\nbackground-image:unset;\nz-index:0;\nposition:relative;\n}\n.av-curtain-footer.av-curtain-activated #main .avia-section.av-4wrulk-8315136fb9925a90c2b28689be66895e{\nz-index:0;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-4wrulk-8315136fb9925a90c2b28689be66895e main_color avia-section-small avia-no-border-styling  avia-builder-el-0  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989px){ \n#top .av-special-heading.av-m8wvx0p8-73d1938de7e4009f1b140d8ae26555c3{\nmargin:0 0 -35px 0;\n}\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top .av-special-heading.av-m8wvx0p8-73d1938de7e4009f1b140d8ae26555c3{\nmargin:0 0 -35px 0;\n}\n#top #wrap_all .av-special-heading.av-m8wvx0p8-73d1938de7e4009f1b140d8ae26555c3 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-m8wvx0p8-73d1938de7e4009f1b140d8ae26555c3 av-special-heading-h6 custom-color-heading blockquote modern-quote  avia-builder-el-2  avia-builder-el-no-sibling  av-inherit-size'><h6 class='av-special-heading-tag'  itemprop=\"headline\"  >Newsletter APS #08 | mar\u00e7o 2025<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-1795'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-6kwi4-8e596f04c27eab16388547305a04b6bc av_one_full  avia-builder-el-3  el_after_av_section  avia-builder-el-no-sibling  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f\">\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f{\nfont-size:14px;\nmargin:0 0 1px 0;\n}\n#top .av-post-metadata-container.av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f .av-post-metadata-container-inner{\nfont-size:14px;\n}\n<\/style>\n<div  class='av-post-metadata-container av-hlakc-11ef2cbb47b41d5d366e5e7b4b06b95f av-metadata-container-align-left  avia-builder-el-4  el_before_av_heading  avia-builder-el-first  av-metadata-container-1'><div class='av-post-metadata-container-inner'><span class=\"av-post-metadata-content av-post-metadata-meta-content\"><span class=\"av-post-metadata-content av-post-metadata-category\"><span class=\"av-post-metadata-category-link\" ><a href=\"https:\/\/segurosecidadania.pt\/?cat=16\" >N\u00fameros<\/a><\/span><\/span><\/span><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc\">\n#top .av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc{\nmargin:20px 0 0 0;\npadding-bottom:20px;\nfont-size:30px;\n}\nbody .av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc .av-special-heading-tag{\nfont-size:30px;\npadding:0 0 10px 0;\n}\n.av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ls1rzmt1-48907a0b8df94fbe20def3165143e3fc av-special-heading-h1 blockquote modern-quote  avia-builder-el-5  el_after_av_post_metadata  el_before_av_textblock  av-inherit-size'><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >INDEMNIZA\u00c7\u00c3O DIRETA AO SEGURADO<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ls1s13k0-bd5659602c8ec4c80c8d120e3dc440cc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1804\" src=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao.jpg\" alt=\"\" width=\"2000\" height=\"800\" srcset=\"https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao.jpg 2000w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-300x120.jpg 300w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-1030x412.jpg 1030w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-768x307.jpg 768w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-1536x614.jpg 1536w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-1500x600.jpg 1500w, https:\/\/segurosecidadania.pt\/wp-content\/uploads\/2025\/03\/declaracao-705x282.jpg 705w\" sizes=\"auto, (max-width: 2000px) 100vw, 2000px\" \/><\/p>\n<\/div><\/section><br \/>\n<section  class='av_textblock_section av-1z9mhv-6e2cadc1d95d7fc816ff0058836d0060 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>A Indemniza\u00e7\u00e3o Direta ao Segurado (IDS) \u00e9 um mecanismo implementado pelas seguradoras em 1991, em autorregula\u00e7\u00e3o, que visa simplificar e agilizar o processo de regulariza\u00e7\u00e3o de sinistros resultantes de acidentes de autom\u00f3vel.<\/p>\n<p>\u00c9 um sistema j\u00e1 bastante conhecido dos tomadores de seguros, que reconhecem a sua celeridade e efic\u00e1cia, permitindo que o segurado trate do sinistro diretamente com a sua pr\u00f3pria seguradora para obter a indemniza\u00e7\u00e3o pelos danos sofridos, evitando a necessidade de recorrer \u00e0 seguradora do terceiro respons\u00e1vel pelo sinistro.<\/p>\n<p>Com uma implementa\u00e7\u00e3o em cerca de 100% do mercado (23 seguradoras que exploram o ramo autom\u00f3vel), foram abertos em IDS, em 2024, 209.775 processos.<\/p>\n<p>O Montante Total Pago envolvido nestes processos ascendeu a 267.210.294,24\u20ac, com um Custo M\u00e9dio de 1.447,63\u20ac por processo.<\/p>\n<p>Sendo um dos aspetos mais positivos deste sistema a celeridade de tramita\u00e7\u00e3o de processos entre as seguradoras intervenientes, com a correspondente melhoria de servi\u00e7o ao cliente, \u00e9 de referir que, dos 209.054 processos abertos em 2024, chegaram a acordo 190.346, com um tempo m\u00e9dio de tomada de posi\u00e7\u00e3o de 1,94 dias.<\/p>\n<p><strong>Como Funciona o IDS?<\/strong><\/p>\n<p>O IDS aplica-se a acidentes ocorridos em Portugal, h\u00e1 menos de um ano, com danos peritados e reparados em territ\u00f3rio nacional.<\/p>\n<p>Para que este mecanismo possa ser utilizado, \u00e9 necess\u00e1rio que:<\/p>\n<ul>\n<li>O acidente envolva apenas dois ve\u00edculos dos quais resultem apenas danos materiais resultantes de choque ou colis\u00e3o direta entre os ve\u00edculos;<\/li>\n<li>Ambos os ve\u00edculos estejam segurados em companhias aderentes ao Protocolo IDS.<\/li>\n<li>Exista uma DAAA (Declara\u00e7\u00e3o Amig\u00e1vel de Acidente Autom\u00f3vel), quer em formato papel, quer em vers\u00e3o eletr\u00f3nica, devidamente preenchida e assinada pelos condutores envolvidos;<\/li>\n<li>No caso de existirem feridos, os danos materiais poder\u00e3o ser resolvidos atrav\u00e9s deste acordo, devendo os danos corporais ser tratados pela seguradora da viatura que causou o acidente.<\/li>\n<\/ul>\n<p>Acidentes exclu\u00eddos:<\/p>\n<ul>\n<li>Acidentes em que n\u00e3o houve embate entre os ve\u00edculos;<\/li>\n<li>Acidentes que s\u00e3o provocados exclusivamente por carga transportada nas viaturas;<\/li>\n<li>Acidentes que ocorram quando um dos condutores se encontrar coberto por uma ap\u00f3lice de Garagista ou Automobilista.<\/li>\n<\/ul>\n<p><strong>Vantagens do IDS<\/strong><\/p>\n<p>A principal vantagem do IDS \u00e9 a rapidez na resolu\u00e7\u00e3o do sinistro, pois evita burocracias associadas ao contacto com uma seguradora que n\u00e3o a pr\u00f3pria. Entre os benef\u00edcios destacam-se:<\/p>\n<ul>\n<li>Simplicidade no processo: O segurado pode acionar diretamente a sua seguradora, que ir\u00e1 processar a indemniza\u00e7\u00e3o e posteriormente acertar contas com a seguradora do respons\u00e1vel pelo acidente;<\/li>\n<li>Maior efici\u00eancia: O sistema promove uma resolu\u00e7\u00e3o mais c\u00e9lere e eficaz dos sinistros, reduzindo lit\u00edgios e atrasos;<\/li>\n<li>Rapidez no pagamento: O segurado recebe a indemniza\u00e7\u00e3o de forma mais c\u00e9lere.<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A Indemniza\u00e7\u00e3o Direta ao Segurado (IDS) \u00e9 um mecanismo implementado pelas seguradoras em 1991, em autorregula\u00e7\u00e3o, que visa simplificar e agilizar o processo de regulariza\u00e7\u00e3o de sinistros resultantes de acidentes de autom\u00f3vel. <\/p>\n","protected":false},"author":2,"featured_media":1804,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-1795","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-numeros"],"_links":{"self":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1795","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1795"}],"version-history":[{"count":2,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1795\/revisions"}],"predecessor-version":[{"id":1806,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/posts\/1795\/revisions\/1806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=\/wp\/v2\/media\/1804"}],"wp:attachment":[{"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/segurosecidadania.pt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}