{"id":112729,"date":"2024-06-21T09:00:47","date_gmt":"2024-06-21T06:00:47","guid":{"rendered":"https:\/\/realitatearutiera.ro\/?p=112729"},"modified":"2024-06-21T09:00:48","modified_gmt":"2024-06-21T06:00:48","slug":"parbriz-spart-de-piatra-asigurarea-rca-te-despagubeste-in-cazul-unui-astfel-de-incident","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=112729","title":{"rendered":"Parbriz spart de piatr\u0103: Asigurarea RCA te desp\u0103gube\u0219te \u00een cazul unui astfel de incident?"},"content":{"rendered":"\n<p>\u00cen cazul \u00een care te-ai ales cu un parbriz spart de piatr\u0103, care a fost proiectat\u0103 de anvelopa unei alte ma\u0219ini, asigurarea RCA a respectivului \u0219ofer acoper\u0103 daunele? Iat\u0103 pentru ce evenimente rutiere sunt acordate desp\u0103gubiri \u00een baza poli\u021bei auto obligatorii.<\/p>\n\n\n\n<p>Asigurarea auto obligatorie \u2013&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/polita-rca-va-creste-daca-primesti-amenzi-de-circulatie-modificari-importante-aduse-modului-in-care-platim-asigurarea-19271185\">RCA<\/a>&nbsp;este diferit\u0103 de o asigurare facultativ\u0103 de daune.<\/p>\n\n\n\n<p>Poli\u021ba RCA nu poate fi folosit\u0103 dec\u00e2t \u00een cazul unui accident rutier.<\/p>\n\n\n\n<p>\u00cen schimb, asigurarea facultativ\u0103 de tip CASCO poate fi utilizat\u0103 \u00een diferite situa\u021bii, de la accidente rutiere, la furt de bunuri din ma\u0219in\u0103 sau avarii produse de evenimente meteo extreme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cen ce situa\u021bii po\u021bi folosi asigurarea RCA<\/h2>\n\n\n\n<p>Toate vehiculele care circul\u0103 pe drumurile publice din Rom\u00e2nia sunt obligate s\u0103 de\u021bin\u0103 o poli\u021b\u0103 RCA.<\/p>\n\n\n\n<p>Aceast\u0103&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/2024-cat-costa-cea-mai-ieftina-asigurare-rca-au-fost-publicate-noile-tarife-de-referinta-19238045\">asigurare<\/a>&nbsp;obligatorie va acoperi par\u021bial sau total:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Daune materiale;<\/li>\n\n\n\n<li>V\u0103t\u0103m\u0103ri corporale produse persoanelor implicate \u00een accident, cu excep\u021bia \u0219oferului vinovat;<\/li>\n\n\n\n<li>Cheltuieli de judecat\u0103.<\/li>\n<\/ul>\n\n\n\n<p>\u00cens\u0103, \u00een func\u021bie de fiecare firm\u0103 de asigurare, exist\u0103 o limit\u0103 maxim\u0103 a pagubelor care pot fi acoperite.<\/p>\n\n\n\n<p>Iar, \u00een anumite condi\u021bii, posesorul asigur\u0103rii poate fi pus chiar s\u0103 restituie banii pl\u0103ti\u021bi de firma de asigur\u0103ri ca desp\u0103gubiri.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cen ce situa\u021bii firma de asigur\u0103ri cere desp\u0103gubiri posesorului RCA<\/h2>\n\n\n\n<p>Dac\u0103 se constat\u0103 rele inten\u021bii \u00een producerea unui accident, compania se asigur\u0103ri poate s\u0103 \u00eei cear\u0103 \u0219oferului vinovat s\u0103 acopere suma pe care firma de asigur\u0103ri a oferit-o victimelor accidentului ca desp\u0103gubire.<\/p>\n\n\n\n<p>Asta se poate \u00eent\u00e2mpla \u00een cazul \u00een care:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accidentul s-a produs \u00een urma unei infrac\u021biuni;<\/li>\n\n\n\n<li>Accidentul s-a produs \u00een timp ce autorul infrac\u021biunii s\u0103v\u00e2r\u0219ite cu inten\u021bie \u00eencerca s\u0103 se sustrag\u0103 de la locul accidentului;<\/li>\n\n\n\n<li>\u0218oferul vinovat a avut chiar \u0219i o minim\u0103 inten\u021bie de a provoca un\u00a0<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/soferii-care-primesc-amenda-de-circulatie-vor-plati-mai-mult-pentru-asigurarea-auto-obligatorie-19263865\">accident<\/a>;<\/li>\n\n\n\n<li>Asiguratul a intervenit \u00een investiga\u021bia firmei de asigur\u0103ri, duc\u00e2nd la plata de desp\u0103gubiri nejustificate;<\/li>\n\n\n\n<li>Ma\u0219ina a fost condus\u0103 sub influen\u021ba unor substan\u021be interzise;<\/li>\n\n\n\n<li>Ma\u0219ina a fost condus\u0103 de altcineva dec\u00e2t proprietar, f\u0103r\u0103 acordul acestuia.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Asigurarea RCA te desp\u0103gube\u0219te \u00een cazul unui parbriz spart de piatr\u0103?<\/h2>\n\n\n\n<p>Dac\u0103 ai avut ghinionul s\u0103 te alegi cu parbrizul spart de o piatr\u0103 aruncat\u0103 de anvelopa unei alte ma\u0219ini, situa\u021bia este pu\u021bin mai problematic\u0103.<\/p>\n\n\n\n<p>Pentru c\u0103 firmele de asigur\u0103ri consider\u0103 c\u0103 un astfel de incident nu poate fi \u00eencadrat ca accident rutier.<\/p>\n\n\n\n<p>Astfel c\u0103 nu se poate \u00eencheia o constatare amiabil\u0103 pentru un astfel de eveniment&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/camerele-de-rovinieta-vor-verifica-si-asigurarea-obligatorie-amenzi-uriase-pentru-rca-expirat-19260973\">rutier<\/a>.&nbsp;\u00cens\u0103, o variant\u0103 ar putea fi ca cei doi \u0219oferi s\u0103 se prezinte la poli\u021bie.<\/p>\n\n\n\n<p>\u201e<em><strong>Am avut un caz \u00een care \u0219oferul vinovat a mers la poli\u021bia, a recunoscut c\u0103 a trecut peste o piatr\u0103 \u0219i a proiectat-o \u00een parbrizul celui din spate. Iar cel p\u0103gubit, de asemenea, a dat declara\u021bie \u00een care a confirmat. Apoi, poli\u021bia a dat aviz de reparare a ma\u0219inii \u0219i a stabilit c\u0103 vinovat se face \u0219oferul care \u0219i-a recunoscut vina. Astfel, repara\u021bia a fost recontat\u0103 \u00een baza RCA<\/strong><\/em>\u201d, a explicat pentru ProMotor avocatul Valentin Ciobanu.<\/p>\n\n\n\n<p>Dar, cu siguran\u021b\u0103 sunt pu\u021bine cazurile \u00een care \u0219oferii pot identifica ma\u0219ina care a proiectat piatra. \u0218i cu at\u00e2t mai pu\u021bini \u0219oferii care ar admite c\u0103 ei se fac vinova\u021bi de un astfel de incident.<\/p>\n\n\n\n<p>A\u0219adar, asigurarea RCA nu te desp\u0103gube\u0219te \u00een cazul unui parbriz spart de o piatr\u0103 dec\u00e2t \u00een cazuri excep\u021bionale.<\/p>\n\n\n\n<p>Pentru a fi desp\u0103gubit \u00een astfel de cazuri, trebuie \u00eencheiat\u0103 o\u00a0<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/ce-faci-cand-soferul-vinovat-iti-da-date-de-pe-o-asigurare-expirata-procedura-in-caz-de-accidente-usoare-19257363\">asigurare<\/a>\u00a0separat\u0103. Sau asigurarea RCA s\u0103 includ\u0103, suplimentar, aceast\u0103 clauz\u0103 de acoperire a daunelor produse parbrizului din diverse cauze.<\/p>\n\n\n\n<p>Sursa\/foto:promotor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen cazul \u00een care te-ai ales cu un parbriz spart de piatr\u0103, care a fost proiectat\u0103 de anvelopa unei alte<\/p>\n","protected":false},"author":1,"featured_media":112730,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[82],"tags":[],"class_list":["post-112729","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"jetpack_featured_media_url":"https:\/\/realitatearutiera.ro\/wp-content\/uploads\/2024\/06\/https___www.promotor.ro_wp-content_uploads_2023_10_poti-circula-cu-masina-daca-ai-parbrizul-spart-ce-prevede-legea-din-romania-1-1024x683-1.webp","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-tkd","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/112729","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=112729"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/112729\/revisions"}],"predecessor-version":[{"id":112731,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/112729\/revisions\/112731"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/112730"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=112729"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=112729"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=112729"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}