Seguros inseguros.
Author | Case, Brendan M. |
Position | Ciudad de M |
MÉXICO D.F. -- IMAGINESE UNA ciudad de 20 millones de habitantes con casi tres millones de vehículos, embotellamientos permanentes de tráfico, conductores notoriamente negligentes y muy pocos autos asegurados.
Ese es el caso de la ciudad de México. Los peatones y conductores no tienen garantía alguna de compensación si un auto no asegurado los golpea, mientras que las víctimas de lesiones graves con frecuencia dependen de las instituciones públicas para su tratamiento. Muchos conductores sencillamente abandonan el lugar del accidente por temor a quedarse en la ruina.
Todo eso debía cambiar este año, al menos en el Distrito Federal. El problema es que no sucedió como se esperaba. En junio pasado, el alcalde de la capital mexicana, Cuauhtémoc Cárdenas, demoró los planes de establecer la obligatoriedad de seguros para los automotores, lo que provocó una ola de críticas de las compañías de seguros y de sus rivales políticos. El alcalde dijo que sólo quería modificar algunos detalles de la ley, que comenzó a redactarse antes que él ocupara el cargo.
El Seguro para el Uso de Vehículos Automotores (SUVA), como se conoce la póliza obligatoria de seguros contra daños a terceros, habría significado un tremendo empujón para la industria de seguros. Sólo unos 800.000 de los casi tres millones de autos de la capital mexicana están asegurados. Con un precio promedio de US$33 por vehículo, que asegura a terceros por un valor de US$27.000, el SUVA habría significado US$66 millones adicionales en primas este año.
Lo que es más, los aseguradores esperaban que el SUVA promoviera "una cultura del seguro". Los seguros de vida y de viviendas son incluso menos comunes que los de automóviles, y los US$4.500 millones que los mexicanos pagan al año por concepto de pólizas sólo representaron un 1,2% del PIB. A los aseguradores les gustaría elevar esa cifra al 3% para principios de la próxima década, y el potencial ha atraído a gigantes del sector como ING (Holanda), Allianz (Alemania) y Metropolitan Life y Aetna (Estados Unidos).
"Más que un negocio, el SUVA es una oportunidad para desarrollar...
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