{"id":3006,"date":"2020-07-30T21:50:41","date_gmt":"2020-07-30T21:50:41","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=3006"},"modified":"2020-07-30T21:54:04","modified_gmt":"2020-07-30T21:54:04","slug":"studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/","title":{"rendered":"Impact study of telematics auto insurance - Cornel Coca Constantinescu, Ion Stancu and Iulian Panait"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3006\" class=\"elementor elementor-3006\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e130d3e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e130d3e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e0bb683\" data-id=\"6e0bb683\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6ba74548 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ba74548\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ca2ba14\" data-id=\"6ca2ba14\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61cee7eb elementor-widget elementor-widget-text-editor\" data-id=\"61cee7eb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Authors: Cornel Coca Constantinescu Ion Stancu and Iulian Panait<br \/>Vol. 3 \u2022 No. 4 \u2022 May 2018<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-65ebb64\" data-id=\"65ebb64\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4320eb62 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"4320eb62\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/5.2_Ion-Stancu-CCC-Iulian-Panait_EN-abs-nr2.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/5.2_Ion-Stancu-CCC-Iulian-Panait_EN-abs-nr2.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Abstract PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-630f2618 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"630f2618\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/5.2_Ion-Stancu-CCC-Iulian-Panait_EN-art-nr2.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/5.2_Ion-Stancu-CCC-Iulian-Panait_EN-art-nr2.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Article PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b96a364 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5b96a364\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab08d47 elementor-widget elementor-widget-text-editor\" data-id=\"7ab08d47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-534908a1 elementor-widget elementor-widget-text-editor\" data-id=\"534908a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>The development of telematic systems, as well as the need to differentiate the motor insurance market, led to the emergence of new clauses in motor insurance contracts. Thus, vehicle insurance contracts with self-check (and telematic) insurance policies are in the recent focus of insurance companies for motor insurance. With the help of a telematics device installed on the vehicle and a mobile application the driving mode of the driver is permanently assessed; the rating is calculated according and the discount for the insurance price is set accordingly. These types of auto insurance contract terms can provide, on average, 25% savings for carefully drivers.<\/p><p>Our paper presents, the recent developments in telematics insurance in Europe and around the world and the Romanian drivers propension to accept the monitoring of their driving behavior. We then present the economic, financial and socio-ecological advantages versus disadvantages revealed by specialized literature for both policyholders and insurers. In this context, we will prefigure the future of telematics insurance in Europe.<\/p><p>In our empirical study we estimate the financial impact of telematics insurance in Romania on gross written prices and gross paid indemnities. Finally, we estimate the socio-economic impact of these telematics insurance on the decrease in the number of kilometers, fuel consumption, number of accidents and casualties, and implicitly, on the reduction of the cost of the compensation. For this impact study we used the scenario technique (pessimistic, moderate and optimistic) in relation to the baseline scenario, respectively, the estimate of the natural evolution of the insurance market in the absence of telematics<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec1dc4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3ec1dc4\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-535eccb7 elementor-widget elementor-widget-text-editor\" data-id=\"535eccb7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Keywords<\/strong>: auto telematics insurance, driving behavior rating, financial impact of telematics insurance, socio-economic impact of telematics insurance, scenario technique<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5978e965 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5978e965\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40005211 elementor-widget elementor-widget-text-editor\" data-id=\"40005211\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>JEL classification<\/strong>: C53; D03; D53; G22<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30a1301c elementor-widget elementor-widget-eael-creative-button\" data-id=\"30a1301c\" data-element_type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--default\" href=\"https:\/\/revista.isfin.ro\/en\/arhiva\/\" data-text=\"\">\n\n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\"> BACK <\/span>\n\n                                    <\/div>\n            <\/a>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Autori: Cornel Coca Constantinescu Ion Stancu \u0219i Iulian PanaitVol. 3 \u2022 Nr. 4 \u2022 Mai 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Dezvoltarea sistemelor telematice, precum \u0219i necesitatea de diferen\u021biere a pie\u021bei asigur\u0103rilor auto, au condus la apari\u021bia unor noi clauze \u020bn contractele de asigur\u0103ri auto. Astfel, contractele de asigurare a vehiculelor cu poli\u0163\u0103 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/\"> <span class=\"screen-reader-text\">Impact study of telematics auto insurance - Cornel Coca Constantinescu, Ion Stancu and Iulian Panait<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[168],"tags":[],"yoast_head":"<title>Studiu de impact al asigur\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Studiu de impact al asigur\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait - Revista de Studii Financiare\" \/>\n<meta property=\"og:description\" content=\"Autori: Cornel Coca Constantinescu Ion Stancu \u0219i Iulian PanaitVol. 3 \u2022 Nr. 4 \u2022 Mai 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Dezvoltarea sistemelor telematice, precum \u0219i necesitatea de diferen\u021biere a pie\u021bei asigur\u0103rilor auto, au condus la apari\u021bia unor noi clauze \u020bn contractele de asigur\u0103ri auto. Astfel, contractele de asigurare a vehiculelor cu poli\u0163\u0103 &hellip; Studiu de impact al asigur\u0103rilor auto telematice &#8211; Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait Read More &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/\" \/>\n<meta property=\"og:site_name\" content=\"Revista de Studii Financiare\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-30T21:50:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-30T21:54:04+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Revista ISF\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/revista.isfin.ro\/#website\",\"url\":\"https:\/\/revista.isfin.ro\/\",\"name\":\"Revista de Studii Financiare\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/revista.isfin.ro\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#webpage\",\"url\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/\",\"name\":\"Studiu de impact al asigur\\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \\u0219i Iulian Panait - Revista de Studii Financiare\",\"isPartOf\":{\"@id\":\"https:\/\/revista.isfin.ro\/#website\"},\"datePublished\":\"2020-07-30T21:50:41+00:00\",\"dateModified\":\"2020-07-30T21:54:04+00:00\",\"author\":{\"@id\":\"https:\/\/revista.isfin.ro\/#\/schema\/person\/d709ae622feb4a954f2e16c530e0815a\"},\"breadcrumb\":{\"@id\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Prima pagin\\u0103\",\"item\":\"https:\/\/revista.isfin.ro\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Studiu de impact al asigur\\u0103rilor auto telematice &#8211; Cornel Coca Constantinescu, Ion Stancu \\u0219i Iulian Panait\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/revista.isfin.ro\/#\/schema\/person\/d709ae622feb4a954f2e16c530e0815a\",\"name\":\"Revista ISF\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/revista.isfin.ro\/#personlogo\",\"inLanguage\":\"en-GB\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f5e83b250196a64f9f7f3802f9f4123d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f5e83b250196a64f9f7f3802f9f4123d?s=96&d=mm&r=g\",\"caption\":\"Revista ISF\"},\"sameAs\":[\"https:\/\/revista.isfin.ro\"],\"url\":\"https:\/\/revista.isfin.ro\/en\/author\/isfin\/\"}]}<\/script>","yoast_head_json":{"title":"Studiu de impact al asigur\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait - Revista de Studii Financiare","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/","og_locale":"en_GB","og_type":"article","og_title":"Studiu de impact al asigur\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait - Revista de Studii Financiare","og_description":"Autori: Cornel Coca Constantinescu Ion Stancu \u0219i Iulian PanaitVol. 3 \u2022 Nr. 4 \u2022 Mai 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract Dezvoltarea sistemelor telematice, precum \u0219i necesitatea de diferen\u021biere a pie\u021bei asigur\u0103rilor auto, au condus la apari\u021bia unor noi clauze \u020bn contractele de asigur\u0103ri auto. Astfel, contractele de asigurare a vehiculelor cu poli\u0163\u0103 &hellip; Studiu de impact al asigur\u0103rilor auto telematice &#8211; Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait Read More &raquo;","og_url":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/","og_site_name":"Revista de Studii Financiare","article_published_time":"2020-07-30T21:50:41+00:00","article_modified_time":"2020-07-30T21:54:04+00:00","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Revista ISF","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebSite","@id":"https:\/\/revista.isfin.ro\/#website","url":"https:\/\/revista.isfin.ro\/","name":"Revista de Studii Financiare","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/revista.isfin.ro\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#webpage","url":"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/","name":"Studiu de impact al asigur\u0103rilor auto telematice - Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait - Revista de Studii Financiare","isPartOf":{"@id":"https:\/\/revista.isfin.ro\/#website"},"datePublished":"2020-07-30T21:50:41+00:00","dateModified":"2020-07-30T21:54:04+00:00","author":{"@id":"https:\/\/revista.isfin.ro\/#\/schema\/person\/d709ae622feb4a954f2e16c530e0815a"},"breadcrumb":{"@id":"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/revista.isfin.ro\/2020\/07\/30\/studiu-de-impact-al-asigurarilor-auto-telematice-cornel-coca-constantinescu-ion-stancu-si-iulian-panait\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Prima pagin\u0103","item":"https:\/\/revista.isfin.ro\/"},{"@type":"ListItem","position":2,"name":"Studiu de impact al asigur\u0103rilor auto telematice &#8211; Cornel Coca Constantinescu, Ion Stancu \u0219i Iulian Panait"}]},{"@type":"Person","@id":"https:\/\/revista.isfin.ro\/#\/schema\/person\/d709ae622feb4a954f2e16c530e0815a","name":"Revista ISF","image":{"@type":"ImageObject","@id":"https:\/\/revista.isfin.ro\/#personlogo","inLanguage":"en-GB","url":"https:\/\/secure.gravatar.com\/avatar\/f5e83b250196a64f9f7f3802f9f4123d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f5e83b250196a64f9f7f3802f9f4123d?s=96&d=mm&r=g","caption":"Revista ISF"},"sameAs":["https:\/\/revista.isfin.ro"],"url":"https:\/\/revista.isfin.ro\/en\/author\/isfin\/"}]}},"_links":{"self":[{"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/posts\/3006"}],"collection":[{"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/comments?post=3006"}],"version-history":[{"count":3,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/posts\/3006\/revisions"}],"predecessor-version":[{"id":3012,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/posts\/3006\/revisions\/3012"}],"wp:attachment":[{"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/media?parent=3006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/categories?post=3006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/revista.isfin.ro\/en\/wp-json\/wp\/v2\/tags?post=3006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}