{"id":6444,"date":"2023-04-04T11:23:52","date_gmt":"2023-04-04T09:23:52","guid":{"rendered":"https:\/\/www.axeria-iard.ro\/stagingGDPR\/general-rca-insurance\/"},"modified":"2026-04-19T12:08:04","modified_gmt":"2026-04-19T10:08:04","slug":"general-rca-insurance","status":"publish","type":"page","link":"https:\/\/www.axeria-iard.ro\/en\/general-rca-insurance\/","title":{"rendered":"Motor Third-Party Liability Insurance (RCA)"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\t\t\t\tMotor Third-Party
Liability Insurance (RCA)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\tRCA Calculator<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You can obtain an indicative RCA premium for your vehicle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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RCA Refund Form<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The RCA refund request should be sent to restituiri@axeria-iard.ro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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BAAR Policies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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High-Risk Insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Regulation no. 20\/2017 on motor insurance in Romania <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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General RCA Insurance - Territorial Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you hold an RCA insurance policy, throughout its validity period you automatically benefit from Green Card coverage valid in European Union member states, as well as in Iceland, Norway, Liechtenstein, Switzerland, Serbia, Albania, Andorra, Moldova, Turkey, Ukraine, Azerbaijan, Belarus and Montenegro, without paying any additional premium.

When travelling with your vehicle to another country (e.g., Israel, Iran, Morocco, North Macedonia, Russia, etc.), you must check the coverage indicated on the Green Card insurance document received when purchasing the RCA policy.

If the symbol of the country is crossed out, you must purchase a separate Green Card insurance policy from an insurer in Romania, distinct from your RCA insurance. Otherwise, at the border of that country, you will be required to purchase border insurance valid only within that territory.
If you do not hold valid insurance while driving in another country, you risk being sanctioned under that country’s legislation and will be required to cover all damages caused. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Motor Third-Party Liability Insurance (RCA)<\/h6>\n

(1) The RCA insurer is obliged to compensate the injured party for proven damages suffered as a result of an accident caused by the insured vehicle.<\/p>\n

(2) Without exceeding the liability limits provided in the RCA contract and provided that the insured event occurred during the validity period of the RCA contract, the RCA insurer grants monetary compensation for:
\u2192 bodily injuries or death, including non-pecuniary damages;
\u2192 material damages, including deregistration and registration costs, stamp duty costs, expenses for limiting damages, proven by documents, expenses related to the decrease in vehicle value after repairs, proven by documents or expertise;
\u2192 costs for restoring the vehicle to its condition prior to the insured event, proven by documents issued through specialized systems or by documents issued according to law;
\u2192 damages representing the consequence of the loss of use of the damaged vehicle, including temporary replacement of the vehicle, based on the option of the injured party;
\u2192 legal costs incurred by the injured party or related expenses in the case of alternative dispute resolution if the solution is favorable to the injured party and if the amounts representing legal costs are mentioned in the operative part of the court decision;
\u2192 expenses related to the transport of the damaged vehicle, belonging to the injured third party, from the accident site to the location of the claims assessment center, to the repair unit chosen by the injured party for vehicle repair, the closest to the accident site or to the domicile of the injured party, as appropriate, if the respective vehicle can no longer be moved by its own means, and the insurer does not provide transport.<\/p>\n

Motor Third-Party Liability Insurance (RCA)<\/h6>\n

(3) Regardless of the location where the vehicle accident occurred \u2013 on public roads, on roads not open to public traffic, in premises and in any other places, both during the movement and during the stationary period of the insured vehicle, the RCA insurer grants compensation up to the liability limit provided in the RCA contract for:
\u2192 damage caused by devices or installations with which the vehicle was equipped, including damage caused by the accidental detachment of the trailer, semi-trailer or attachment towed by the vehicle;
\u2192 damage caused by the fault of the driver of the insured vehicle;
\u2192 damage caused by the action of the thing, when the damage is caused by the properties, action or inaction of the vehicle, through another object set in motion by the vehicle’s movement, through the leakage, spilling or accidental falling of substances, materials or objects transported;
\u2192 damages caused to third parties, as a consequence of opening the vehicle doors, while driving or when the vehicle is stopped or stationary, by its passengers, without ensuring that the safety of other traffic participants is not endangered;
\u2192 damages caused to third parties, as a consequence of driving the vehicle under the influence of alcohol or narcotics.<\/p>\n

Motor Third-Party Liability Insurance (RCA)<\/h6>\n

(4) The provisions of paragraph (3) letter b) also apply in cases where, at the date of the accident, the driver of the vehicle:
\u2192 drove the vehicle without the express or presumed consent of the insured;
\u2192 is not the holder of a license that certifies the right to drive the respective vehicle;
\u2192 did not comply with legal obligations regarding the condition and safety of the respective vehicle. <\/p>\n

(5) Family members of the insured, the driver, or any other person whose civil liability is engaged in a vehicle accident and is covered by compulsory RCA insurance are not excluded from the benefit of the insurance for their own bodily injuries.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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These are established by the Financial Supervisory Authority.<\/div>\n
Thus, starting from 2017, the compensation limits granted in the event of an accident in Romania are:
\u2192 for material damages: 1,220,000 euros per accident, regardless of the number of vehicles involved;
\u2192 for bodily injuries and deaths: 6,070,000 euros per accident.
For accidents occurring outside Romania, the legislation of the respective state and the corresponding compensation limits apply.<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
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Regulation no. 20\/2017 on motor insurance in Romania<\/a><\/span><\/p>\n

Law no. 237\/2015 on the authorization and supervision of insurance and reinsurance activity<\/a><\/span><\/p>\n

Law no. 132\/2017 on compulsory motor third-party liability insurance for damages caused to third parties by vehicle and tram accidents<\/a><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Insurance conditions for the Additional Clause regarding Direct Settlement, attached to motor third-party liability insurance policies.<\/p>\n

INTRODUCTION<\/strong><\/h6>\n

In accordance with the provisions of this clause and in exchange for an additional premium, the Insurer offers direct settlement services to its own RCA Insureds for damages caused to the insured vehicle by vehicle accidents by liable third parties, with valid RCA insurance at the time of the accident.<\/p>\n

The Additional Clause regarding Direct Settlement is valid only if it is attached to the motor third-party liability insurance contract concluded for the vehicle; it cannot be purchased independently.<\/p>\n

RISKS COVERED<\/strong><\/h6>\n

Based on this clause, the Insurer, through the direct settlement mechanism, grants compensation to its own RCA insured in the event of a risk covered by RCA insurance. Direct settlement provides compensation only for: <\/p>\n

 \u2192 material damages, including deregistration and registration costs, stamp duty costs, expenses for limiting damages, proven by documents, expenses related to the decrease in vehicle value after repairs, proven by documents or expertise;
 \u2192 costs for restoring the vehicle to its condition prior to the insured event, proven by documents issued through specialized systems or documents issued according to law;
 \u2192 damages representing the consequence of the loss of use of the damaged vehicle, including temporary replacement of the vehicle, based on the option of the injured party;
 \u2192 legal costs incurred by the injured party or related expenses in the case of alternative dispute resolution if the solution is favorable to the injured party;
 \u2192 expenses related to the transport of the damaged vehicle, belonging to the insured, from the accident site to the location of the claims assessment center, to the repair unit chosen by the Insured for vehicle repair, the closest to the accident site or to the domicile of the insured, as appropriate, if the respective vehicle can no longer be moved by its own means.<\/p>\n

CONDITIONS FOR APPLYING THE ADDITIONAL DIRECT SETTLEMENT CLAUSE – General RCA Insurance<\/strong><\/h6>\n

Direct settlement between RCA Insurers is applicable only upon the cumulative fulfillment of the following conditions:<\/p>\n

\u2192 car accidents occur on Romanian territory;
\u2192 vehicles involved in car accidents are registered in Romania;
\u2192 damages are caused exclusively to vehicles;
\u2192 both vehicles involved in the car accident have valid RCA insurance at the time of the event;
\u2192 damages exclude bodily injuries.
Direct settlement does not affect the right of the person injured in a car accident caused by an RCA insured vehicle to exercise direct action for the recovery of damages caused against the RCA insurer of the person responsible for causing the car accident.<\/p>\n

EXCLUSIONS<\/strong><\/h6>\n

The Insurer does not cover situations excluded by the RCA insurance legislation posted on the Insurer’s website at the following address: www.axeria-iard.ro.<\/p>\n

This Clause regarding direct settlement can only be purchased by the Insured together with the conclusion of the RCA insurance, being part of it. Thus, this clause ceases to be valid upon the termination, for any reason, of the RCA insurance. This clause cannot be denounced or terminated separately. <\/p>\n

In the event that the Insured owes premiums or premium installments at the date of compensation payment, the Insurer may withhold from the compensation both the overdue premiums\/premium installments and future due installments related to the contract\/insurance policy to which this clause is attached.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\u2192 Brokers \u2013 at partner broker agencies <\/a><\/span>-24\/7 online for indicative tariff<\/a><\/span><\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t