{"id":45648,"date":"2019-01-22T13:25:32","date_gmt":"2019-01-22T11:25:32","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=45648"},"modified":"2019-01-22T11:30:09","modified_gmt":"2019-01-22T09:30:09","slug":"ce-trebuie-sa-stii-despre-asigurarea-obligatorie-ca-sa-nu-fii-tepuit","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=45648","title":{"rendered":"Ce trebuie s\u0103 \u0219tii despre asigurarea obligatorie, ca s\u0103 nu fii \u201c\u021bepuit\u201d"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p>Poli\u021ba obligatorie RCA este important\u0103 pentru c\u0103 \u00ee\u021bi salveaz\u0103 buzunarul atunci c\u00e2nd produci un accident. \u00cen loc s\u0103 te pun\u0103 cel v\u0103t\u0103mat s\u0103 pl\u0103te\u0219ti bani grei c\u0103 i-ai julit capota, \u00eel desp\u0103gube\u0219te asiguratorul t\u0103u. totu\u0219i, sunt \u0219i alte lucruri pe care trebuie s\u0103 le \u0219tii despre RCA.<\/p>\n\n\n\n<p>\u00cen principiu, ter\u021bii prejudicia\u021bi \u00een urma unui accident auto, produs din vina conduc\u0103torului\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/playtech.ro\/2019\/toyota-supra-prize-aer-racire-false\/\" target=\"_blank\">auto<\/a>\u00a0asigurat, primesc desp\u0103gubiri pentru daunele materiale \u0219i\/sau decesul ori v\u0103t\u0103m\u0103rile corporale suferite \u00een acel accident.<\/p>\n\n\n\n<p>Dar, dup\u0103 cum \u0219tii, suma acelor desp\u0103gubiri pe care o prime\u0219ti este discutabil\u0103, difer\u0103 de la o firm\u0103 la alta, la fel \u0219i perioada de timp \u00een care o prime\u0219ti. O mul\u021bime de \u0219oferi au fost \u201c\u021bepui\u021bi\u201d de aceste poli\u021be obligatorii, dar legea te oblig\u0103 s\u0103 ai mereu un RCA valabil \u0219i la o companie autorizat\u0103.<\/p>\n\n\n\n<p>\u00cen mod normal, toate firmele de&nbsp;<a href=\"https:\/\/playtech.ro\/2018\/samsung-mobile-care-asigurare\/\" target=\"_blank\" rel=\"noreferrer noopener\">asigur\u0103ri<\/a>&nbsp;au obliga\u021bia de a oferi desp\u0103gubiri \u00een form\u0103 b\u0103neasc\u0103 pentru orice tip de pagube, indiferent de gravitate \u0219i at\u00e2t pentru cele materiale, c\u00e2t \u0219i cele umane (deces sau v\u0103t\u0103mare corporal\u0103). \u00cen realitate, lucruri stau pu\u021bin diferit, evident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poli\u021ba RCA: situa\u021biile pentru care trebuie s\u0103 te desp\u0103gubeasc\u0103<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>v\u0103t\u0103m\u0103ri corporale sau deces, inclusiv pentru prejudicii f\u0103r\u0103 caracter patrimonial;<\/li><li>pagube materiale;<\/li><li>pagube consecin\u0163\u0103 a lipsei de folosin\u0163\u0103 a vehiculului avariat;<\/li><li>cheltuieli de judecat\u0103 efectuate de c\u0103tre persoana prejudiciat\u0103.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Unde e valabil\u0103 asigurarea obligatorie RCA<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Este valabil\u0103 doar pe:<\/li><li>teritoriul Rom\u00e2niei;<\/li><li>teritoriul statelor membre ale Uniunii Europene \u015fi cele apar\u0163in\u00e2nd Spa\u0163iului Economic European;<\/li><li>teritoriul statelor care leag\u0103 direct dou\u0103 \u0163\u0103ri membre ale Uniunii Europene \u00een care nu exist\u0103 birou na\u0163ional.<\/li><\/ul>\n\n\n\n<p>Asigur\u0103torii pot extinde valabilitatea teritorial\u0103 a poli\u0163ei, iar \u021b\u0103rile \u00een care asigurarea este valabil\u0103 sunt sau ar trebui s\u0103 fie precizate pe poli\u0163\u0103.<\/p>\n\n\n\n<p>Societ\u0103\u021bile de asigurare \u00ee\u0219i stabilesc propriile tarife de prim\u0103 RCA \u0219i le notific\u0103 Autorit\u0103\u0163ii de Supraveghere Financiar\u0103 (ASF), f\u0103r\u0103 ca acestea s\u0103 fie \u00eens\u0103 supuse aprob\u0103rii autorit\u0103\u0163ii.<\/p>\n\n\n\n<p>Dac\u0103 e\u0219ti implicat \u00eentr-un accident \u00een care tu e\u0219ti cel p\u0103gubit, iar \u0219oferul vinovat are vehiculul \u00eenmatriculat \u00een str\u0103in\u0103tate, trebuie s\u0103 te adresezi Biroului Asiguratorilor de Autovehicule din Rom\u00e2nia.&nbsp;<a href=\"https:\/\/www.baar.ro\/\" target=\"_blank\" rel=\"noreferrer noopener\">Aici<\/a>, \u00ee\u021bi sunt explica\u021bi pa\u0219ii pe care trebuie s\u0103-i urmezi, \u00een func\u021bie de situa\u021bie. S\u0103 nu cazi niciodat\u0103 la \u00eenvoial\u0103 cu \u0219oferul respectiv, mai ales c\u00e2nd pare \u0219i dubios. Nu ai face dec\u00e2t s\u0103-i \u00eencurajezi pe \u0219oferii iresponsabili s\u0103 fac\u0103 ce vor \u00een trafic.<\/p>\n\n\n\n<p>Dac\u0103 nu pl\u0103te\u0219ti periodic RCA-ul,&nbsp;<a href=\"https:\/\/playtech.ro\/2018\/rca-pret-amenda-asigurari-concurenta\/\" target=\"_blank\" rel=\"noreferrer noopener\">Poli\u021bia<\/a>&nbsp;consider\u0103 fapta contraven\u021bie \u0219i vei fi sanc\u021bionat \u00een conformitate cu legea \u00een vigoare, atunci c\u00e2nd e\u0219ti identificat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce este sistemul bonus \u2013 malus atunci c\u00e2nd achi\u021bi poli\u021ba RCA<\/h2>\n\n\n\n<p>Sistemul bonus \u2013 malus este un criteriu reglementat prin normele emise de c\u0103tre Autoritate de Supraveghere Financiar\u0103 (ASF) \u0219i \u00eenseamn\u0103 c\u0103 prima de asigurare pe care asiguratul\/utilizatorul persoan\u0103 fizic\u0103 o va pl\u0103ti depinde de istoricul s\u0103u de daunalitate realizat \u00eentr-o anumit\u0103 perioad\u0103.<\/p>\n\n\n\n<p>Dac\u0103 istoricul t\u0103u se \u00eencadreaz\u0103 \u00een clasa bonus, atunci vei beneficia de o reducere la taxa RCA. Dac\u0103 ai produs accidente, ele sunt \u00eencadrate \u00een clasa malus \u0219i de-aia pl\u0103te\u0219ti mai mult.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Chiar ai nevoie de CASCO? Ce beneficii \u00ee\u021bi ofer\u0103<\/h2>\n\n\n\n<p>CASCO este o asigurare facultativ\u0103 \u00een baza c\u0103reia societatea de asigurare \u00ee\u021bi achit\u0103 desp\u0103gubiri pentru:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>avariile accidentale (par\u021biale sau totale): ciocniri, r\u0103sturn\u0103ri, derap\u0103ri, zg\u00e2rieturi, c\u0103dere \u00een pr\u0103pastie, c\u0103dere \u00een ap\u0103, c\u0103derea unor corpuri pe autovehicul, vandalism, incendiu, tr\u0103snet, explozie, grindin\u0103, inunda\u021bie, cutremur, pr\u0103bu\u0219ire sau alunecare de teren, avalan\u0219e de z\u0103pad\u0103;<\/li><li>furtul vehiculului asigurat \u0219i \u00eenscris \u00een poli\u021ba de asigurare.<\/li><\/ul>\n\n\n\n<p>Revenind la RCA, dac\u0103 de\u021bii \u00een proprietate (cu acte) mai multe autoturisme, indiferent dac\u0103 e\u0219ti persoan\u0103 fizic\u0103 sau juridic\u0103, plicarea sistemului bonus-malus se face individual pentru fiecare vehicul \u00een parte.<\/p>\n\n\n\n<p>Dac\u0103 \u00ee\u021bi schimbi ma\u0219ina veche cu una nou\u0103, po\u021bi solicita asigur\u0103torului RCA trecerea bonusului de pe vechiul vehicul pe cel nou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2nd po\u021bi \u00eencheia o constatare amiabil\u0103 de accident<\/h2>\n\n\n\n<p>Po\u021bi s\u0103 te \u00een\u021belegi cu \u0219oferul responsabil de accident, f\u0103r\u0103 implicarea poli\u021biei, doar \u00een cazul \u00een care accidentul rutier s-a \u00eent\u00e2mplat pe teritoriul Rom\u00e2niei, \u00eentre dou\u0103 vehicule, iar \u00een urma acestuia au rezultat numai pagube materiale (deci nu \u0219i v\u0103t\u0103m\u0103ri corporale\/decese).<\/p>\n\n\n\n<p>Dac\u0103 \u0219oferul respectiv are o ma\u0219in\u0103 \u00eenmatriculat\u0103 \u00een alt\u0103 \u021bar\u0103, e recomandat s\u0103 nu cazi cu el la \u00eenvoial\u0103, dac\u0103 pagubele nu sunt deloc minore. Respect\u0103 pa\u0219ii legali, ca s\u0103 nu fi \u201c\u021bepuit\u201d.<\/p>\n\n\n\n<p>Dac\u0103 responsabilul accidentului este str\u0103in, consult\u0103&nbsp;<a href=\"https:\/\/asfromania.ro\/files\/tabel%20info%20utile.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">AICI<\/a>&nbsp;informa\u021biile publicate de ASF.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Societ\u0103\u021bi de asigurare autorizate de ASF s\u0103 practice asigur\u0103ri obligatorii de r\u0103spundere civil\u0103 auto RCA<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Allianz-\u021airiac Asigur\u0103ri<\/li><li>\u00a0Generali Rom\u00e2nia Asigurare-Reasigurare S.A.<\/li><li>Asigurarea Rom\u00e2neasc\u0103 \u2013 ASIROM Vienna Insurance Group S.A.<\/li><li>Euroins Rom\u00e2nia Asigurare-Reasigurare S.A.<\/li><li>Omniasig Vienna Insurance Group S.A.<\/li><li>Groupama Asigur\u0103ri S.A.<\/li><li>Uniqa Asigur\u0103ri S.A.<\/li><li>Societatea de Asigurare-Reasigurare City Insurance S.A.<\/li><li>Grawe Rom\u00e2nia Asigurare S.A.<\/li><li><\/li><\/ul>\n\n\n\n<p>Sursa: playtech<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Poli\u021ba obligatorie RCA este important\u0103 pentru c\u0103 \u00ee\u021bi salveaz\u0103 buzunarul atunci c\u00e2nd produci un accident. \u00cen loc s\u0103 te pun\u0103<\/p>\n","protected":false},"author":1,"featured_media":45649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-45648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i1.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2019\/01\/rca1-650x435.jpg?fit=650%2C435&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-bSg","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/45648","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=45648"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/45648\/revisions"}],"predecessor-version":[{"id":45650,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/45648\/revisions\/45650"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/45649"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=45648"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=45648"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=45648"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}