{"id":136830,"date":"2026-05-15T09:23:53","date_gmt":"2026-05-15T06:23:53","guid":{"rendered":"https:\/\/realitatearutiera.ro\/?p=136830"},"modified":"2026-05-15T09:23:58","modified_gmt":"2026-05-15T06:23:58","slug":"rca-2026-in-ce-situatii-primesti-bani-inapoi-si-ce-documente-trebuie-depuse","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=136830","title":{"rendered":"RCA 2026: \u00een ce situa\u021bii prime\u0219ti bani \u00eenapoi \u0219i ce documente trebuie depuse"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" data-attachment-id=\"136831\" data-permalink=\"https:\/\/realitatearutiera.ro\/?attachment_id=136831\" data-orig-file=\"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?fit=1200%2C675&amp;ssl=1\" data-orig-size=\"1200,675\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-medium-file=\"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?fit=800%2C450&amp;ssl=1\" src=\"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104-1024x576.png?resize=800%2C450&#038;ssl=1\" alt=\"\" class=\"wp-image-136831\" style=\"width:715px;height:auto\" srcset=\"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?resize=768%2C432&amp;ssl=1 768w, https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?w=1200&amp;ssl=1 1200w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sursa foto: Dreamstime \u2013 Ma\u0219ini, \u0219oferi<\/p>\n\n\n\n<p>Proprietarii auto care \u00ee\u0219i v\u00e2nd ma\u0219ina, o radiaz\u0103 sau o predau la dezmembr\u0103ri pot recupera o parte din banii pl\u0103ti\u021bi pentru asigurarea RCA. Speciali\u0219tii avertizeaz\u0103 \u00eens\u0103 c\u0103 mul\u021bi \u0219oferi nu \u0219tiu c\u0103 au acest drept sau uit\u0103 s\u0103 depun\u0103 cererea c\u0103tre compania de asigur\u0103ri<\/p>\n\n\n\n<p>Din cuprinsul articolului<\/p>\n\n\n\n<ul id=\"menuTabela\" class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#soferii-pot-recupera-bani-din-polita-rca-dupa-vanzarea-masinii\">\u0218oferii pot recupera bani din poli\u021ba RCA dup\u0103 v\u00e2nzarea ma\u0219inii<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#in-ce-situatii-pot-fi-recuperati-banii-din-polita-rca\">\u00cen ce situa\u021bii pot fi recupera\u021bi banii din poli\u021ba RCA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#cand-poti-recupera-bani-din-rca-si-cand-nu\">C\u00e2nd po\u021bi recupera bani din RCA \u0219i c\u00e2nd NU<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#cum-se-calculeaza-suma-pe-care-o-primesti-inapoi\">Cum se calculeaz\u0103 suma pe care o prime\u0219ti \u00eenapoi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#ce-documente-trebuie-depuse-pentru-recuperarea-banilor\">Ce documente trebuie depuse pentru recuperarea banilor<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#problemele-care-pot-aparea-dupa-vanzarea-masinii\">Problemele care pot ap\u0103rea dup\u0103 v\u00e2nzarea ma\u0219inii<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#ce-recomanda-specialistii-soferilor-care-isi-vand-masina\">Ce recomand\u0103 speciali\u0219tii \u0219oferilor care \u00ee\u0219i v\u00e2nd ma\u0219ina<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"soferii-pot-recupera-bani-din-polita-rca-dupa-vanzarea-masinii\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#soferii-pot-recupera-bani-din-polita-rca-dupa-vanzarea-masinii\">\u0218oferii pot recupera bani din poli\u021ba RCA dup\u0103 v\u00e2nzarea ma\u0219inii<\/a><\/h2>\n\n\n\n<p>Mul\u021bi proprietari auto din Rom\u00e2nia pierd bani f\u0103r\u0103 s\u0103 \u0219tie dup\u0103 ce \u00ee\u0219i v\u00e2nd ma\u0219ina sau o scot definitiv din circula\u021bie. De\u0219i&nbsp;<a href=\"https:\/\/www.capital.ro\/documente-obligatorii-pentru-soferi-se-prezinta-in-original-lipsa-lor-atrage-amenzi-semnificative.html\" target=\"_blank\" rel=\"noreferrer noopener\">poli\u021ba<\/a>&nbsp;RCA este pl\u0103tit\u0103 integral pentru o anumit\u0103 perioad\u0103, legisla\u021bia permite recuperarea sumelor aferente lunilor r\u0103mase neutilizate, \u00eens\u0103 foarte pu\u021bini \u0219oferi solicit\u0103 efectiv aceast\u0103 restituire.<\/p>\n\n\n\n<p>Speciali\u0219tii din domeniul&nbsp;<a href=\"https:\/\/www.capital.ro\/ghid-rca-2026-cum-poti-plati-cu-50-mai-putin-la-asigurarea-auto-noile-praguri-de-amenzi.html\" target=\"_blank\" rel=\"noreferrer noopener\">asigur\u0103rilor<\/a>&nbsp;spun c\u0103 procedura este prev\u0103zut\u0103 clar de lege \u0219i poate fi realizat\u0103 relativ simplu, fie direct la compania de asigur\u0103ri, fie online, \u00een func\u021bie de sistemele puse la dispozi\u021bie de fiecare asigurator.<\/p>\n\n\n\n<p>Totu\u0219i, pentru ca solicitarea s\u0103 fie acceptat\u0103, exist\u0103 anumite condi\u021bii \u0219i&nbsp;<a href=\"https:\/\/www.capital.ro\/despagubire-record-in-romania-pentru-o-asigurare-de-viata-peste-13-milioane-lei-platiti-in-caz-de-boala-grava.html\" target=\"_blank\" rel=\"noreferrer noopener\">documente<\/a>&nbsp;obligatorii care trebuie respectate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"in-ce-situatii-pot-fi-recuperati-banii-din-polita-rca\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#in-ce-situatii-pot-fi-recuperati-banii-din-polita-rca\">\u00cen ce situa\u021bii pot fi recupera\u021bi banii din poli\u021ba RCA<\/a><\/h3>\n\n\n\n<p>Bogdan Orescovici, expert broker \u00een asigur\u0103ri, explic\u0103 faptul c\u0103 restituirea banilor este posibil\u0103 atunci c\u00e2nd contractul RCA \u00eenceteaz\u0103 \u00eenainte de expirarea perioadei pentru care a fost \u00eencheiat.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201eSumele achitate pentru o poli\u021b\u0103 RCA pot fi recuperate \u00een anumite situa\u021bii prev\u0103zute explicit de legisla\u021bia din Rom\u00e2nia, atunci c\u00e2nd contractul de asigurare \u00eenceteaz\u0103 \u00eenainte de expirarea perioadei de valabilitate\u201d, a explicat specialistul,la DIGI24.<\/p>\n<\/blockquote>\n\n\n\n<p>Printre cele mai frecvente situa\u021bii \u00een care \u0219oferii pot solicita&nbsp;<a href=\"https:\/\/www.capital.ro\/asf-aplica-o-amenda-record-pentru-grawe-romania-dupa-un-control-care-a-scos-la-iveala-nereguli-grave-sanctiunile-depasesc-800-000-de-lei.html\" target=\"_blank\" rel=\"noreferrer noopener\">returnarea<\/a>&nbsp;banilor se num\u0103r\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00e2nzarea definitiv\u0103 a autoturismului;<\/li>\n\n\n\n<li>radierea vehiculului din circula\u021bie;<\/li>\n\n\n\n<li>predarea ma\u0219inii la dezmembr\u0103ri;<\/li>\n\n\n\n<li>dauna total\u0103;<\/li>\n\n\n\n<li>furtul autoturismului.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cand-poti-recupera-bani-din-rca-si-cand-nu\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#cand-poti-recupera-bani-din-rca-si-cand-nu\">C\u00e2nd po\u021bi recupera bani din RCA \u0219i c\u00e2nd NU<\/a><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Situa\u021bie<\/strong><\/td><td><strong>Po\u021bi recupera bani?<\/strong><\/td><td><strong>Condi\u021bii<\/strong><\/td><\/tr><tr><td>V\u00e2nzarea ma\u0219inii<\/td><td>Da<\/td><td>Contract de v\u00e2nzare-cump\u0103rare \u0219i cerere c\u0103tre asigurator<\/td><\/tr><tr><td>Radierea autoturismului<\/td><td>Da<\/td><td>Dovada radierii din circula\u021bie<\/td><\/tr><tr><td>Predarea la dezmembr\u0103ri<\/td><td>Da<\/td><td>Acte care confirm\u0103 casarea\/dezmembr\u0103rile<\/td><\/tr><tr><td>Daun\u0103 total\u0103<\/td><td>Da, \u00een anumite cazuri<\/td><td>\u00cen func\u021bie de dosarul de daun\u0103<\/td><\/tr><tr><td>Furtul ma\u0219inii<\/td><td>Da<\/td><td>Dup\u0103 finalizarea verific\u0103rilor \u0219i documente oficiale<\/td><\/tr><tr><td>RCA folosit pentru desp\u0103gubiri<\/td><td>Nu<\/td><td>Contractul este considerat consumat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cum-se-calculeaza-suma-pe-care-o-primesti-inapoi\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#cum-se-calculeaza-suma-pe-care-o-primesti-inapoi\">Cum se calculeaz\u0103 suma pe care o prime\u0219ti \u00eenapoi<\/a><\/h3>\n\n\n\n<p>Restituirea banilor se face propor\u021bional cu perioada r\u0103mas\u0103 nefolosit\u0103 din poli\u021ba RCA.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201eValoarea poli\u021bei este \u00eemp\u0103r\u021bit\u0103 la cele 12 luni de valabilitate, iar suma returnat\u0103 este calculat\u0103 \u00een func\u021bie de num\u0103rul lunilor \u00eentregi r\u0103mase neutilizate din contract\u201d, explic\u0103 Bogdan Orescovici.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Exemplu de calcul pentru restituirea RCA<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Valoare poli\u021b\u0103 RCA<\/strong><\/td><td><strong>Perioad\u0103 total\u0103<\/strong><\/td><td><strong>Perioad\u0103 utilizat\u0103<\/strong><\/td><td><strong>Perioad\u0103 r\u0103mas\u0103<\/strong><\/td><td><strong>Sum\u0103 estimat\u0103 recuperat\u0103<\/strong><\/td><\/tr><tr><td>2.400 lei<\/td><td>12 luni<\/td><td>4 luni<\/td><td>8 luni<\/td><td>aproximativ 1.600 lei<\/td><\/tr><tr><td>1.800 lei<\/td><td>12 luni<\/td><td>6 luni<\/td><td>6 luni<\/td><td>aproximativ 900 lei<\/td><\/tr><tr><td>3.000 lei<\/td><td>12 luni<\/td><td>9 luni<\/td><td>3 luni<\/td><td>aproximativ 750 lei<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Suma final\u0103 poate varia \u00een func\u021bie de condi\u021biile contractuale \u0219i de eventualele taxe administrative aplicate de compania de asigur\u0103ri.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-documente-trebuie-depuse-pentru-recuperarea-banilor\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#ce-documente-trebuie-depuse-pentru-recuperarea-banilor\">Ce documente trebuie depuse pentru recuperarea banilor<\/a><\/h3>\n\n\n\n<p>Pentru recuperarea sumelor, fostul proprietar trebuie s\u0103 depun\u0103 la compania de asigur\u0103ri o cerere de denun\u021bare a contractului RCA.<\/p>\n\n\n\n<p><strong>Actele necesare pentru restituirea banilor din RCA<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Document<\/strong><\/td><td><strong>Este obligatoriu?<\/strong><\/td><\/tr><tr><td>Copie act de identitate<\/td><td>Da<\/td><\/tr><tr><td>Copie poli\u021b\u0103 RCA<\/td><td>Da<\/td><\/tr><tr><td>Contract de v\u00e2nzare-cump\u0103rare<\/td><td>Da<\/td><\/tr><tr><td>Dovada radierii<\/td><td>Dac\u0103 este cazul<\/td><\/tr><tr><td>Documente fiscale privind transferul propriet\u0103\u021bii<\/td><td>Da<\/td><\/tr><tr><td>Documente de la Poli\u021bie (furt)<\/td><td>Dac\u0103 este cazul<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Multe companii permit transmiterea documentelor online, prin platformele dedicate clien\u021bilor sau prin e-mail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"problemele-care-pot-aparea-dupa-vanzarea-masinii\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#problemele-care-pot-aparea-dupa-vanzarea-masinii\">Problemele care pot ap\u0103rea dup\u0103 v\u00e2nzarea ma\u0219inii<\/a><\/h3>\n\n\n\n<p>Speciali\u0219tiii avertizeaz\u0103 c\u0103 mul\u021bi cump\u0103r\u0103tori \u00eent\u00e2rzie transcrierea autoturismului pe numele lor, de\u0219i legea prevede un termen de maximum 30 de zile.<\/p>\n\n\n\n<p>Aceast\u0103 situa\u021bie poate genera complica\u021bii importante pentru fostul proprietar.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201eAt\u00e2t fostul proprietar, c\u00e2t \u0219i noul de\u021bin\u0103tor al ma\u0219inii pot fi implica\u021bi p\u00e2n\u0103 la clarificarea situa\u021biei legale\u201d, avertizeaz\u0103 Bogdan Orescovici.<\/p>\n<\/blockquote>\n\n\n\n<p>\u00cen plus, un accident produs \u00eenainte de actualizarea actelor poate afecta inclusiv sistemul bonus-malus, care influen\u021beaz\u0103 pre\u021bul viitoarelor poli\u021be RCA.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ce-recomanda-specialistii-soferilor-care-isi-vand-masina\"><a href=\"https:\/\/www.capital.ro\/soferii-pot-recupera-bani-din-polita-rca.html#ce-recomanda-specialistii-soferilor-care-isi-vand-masina\">Ce recomand\u0103 speciali\u0219tii \u0219oferilor care \u00ee\u0219i v\u00e2nd ma\u0219ina<\/a><\/h3>\n\n\n\n<p>Exper\u021bii recomand\u0103 proprietarilor auto s\u0103 solicite anularea poli\u021bei imediat dup\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>v\u00e2nzarea ma\u0219inii;<\/li>\n\n\n\n<li>radierea vehiculului;<\/li>\n\n\n\n<li>predarea la dezmembr\u0103ri;<\/li>\n\n\n\n<li>declararea daunei totale.<\/li>\n<\/ul>\n\n\n\n<p>Mul\u021bi rom\u00e2ni uit\u0103 complet de aceast\u0103 posibilitate \u0219i las\u0103 poli\u021ba s\u0103 expire, de\u0219i pot recupera sume importante achitate \u00een avans.<\/p>\n\n\n\n<p>\u00cen contextul \u00een care pre\u021burile RCA au crescut semnificativ \u00een ultimii ani, recuperarea banilor r\u0103ma\u0219i pe poli\u021b\u0103 poate reprezenta un avantaj important pentru proprietarii auto.<\/p>\n\n\n\n<p>Sursa:capital    Sursa foto: Dreamstime \u2013 Ma\u0219ini, \u0219oferi<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sursa foto: Dreamstime \u2013 Ma\u0219ini, \u0219oferi Proprietarii auto care \u00ee\u0219i v\u00e2nd ma\u0219ina, o radiaz\u0103 sau o predau la dezmembr\u0103ri pot<\/p>\n","protected":false},"author":1,"featured_media":136831,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[82],"tags":[],"class_list":["post-136830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2026\/05\/image-104.png?fit=1200%2C675&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-zAW","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/136830","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=136830"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/136830\/revisions"}],"predecessor-version":[{"id":136832,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/136830\/revisions\/136832"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/136831"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=136830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=136830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=136830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}