{"id":65105,"date":"2020-06-15T08:29:36","date_gmt":"2020-06-15T05:29:36","guid":{"rendered":"http:\/\/realitatearutiera.ro\/?p=65105"},"modified":"2020-06-15T08:29:39","modified_gmt":"2020-06-15T05:29:39","slug":"schimbi-masina-ce-trebuie-sa-stii-despre-asigurarea-rca-veche","status":"publish","type":"post","link":"https:\/\/realitatearutiera.ro\/?p=65105","title":{"rendered":"Schimbi ma\u0219ina? Ce trebuie s\u0103 \u0219tii despre asigurarea RCA veche"},"content":{"rendered":"\n<p>Dac\u0103 schimbi ma\u0219ina (sau doar o vinzi pe cea veche) trebuie s\u0103 \u0219tii c\u0103 po\u021bi ob\u021bine unele avantaje dac\u0103 anun\u021bi emitentul poli\u021bei RCA actuale. Printre acestea se num\u0103r\u0103 returnarea unei p\u0103r\u021bi a pre\u021bului poli\u021bei RCA dac\u0103 nu au existat daune p\u00e2n\u0103 la momentul v\u00e2nz\u0103rii ma\u0219inii \u0219i transferarea clasei bonus\/malus pe noua ma\u0219in\u0103.<\/p>\n\n\n\n<p>Potrivit legii, \u00een momentul \u00een care vinzi ma\u0219ina,&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/ai-vandut-masina-esti-obligat-sa-anunti-si-asiguratorul-rca-18645336\">e\u0219ti obligat s\u0103 anun\u021bi \u0219i asiguratorul de acest lucru<\/a>. Acest lucru nu este doar obligatoriu, ci \u0219i recomandabil, av\u00e2nd \u00een vedere consecin\u021be care pot decurge din neanun\u021barea schimb\u0103rii proprietarului ma\u0219inii. Totu\u0219i, mai sunt \u0219i alte aspecte pe care trebuie s\u0103 le \u0219tii, iar unele din aceste cazuri trebuie s\u0103 ac\u021bionezi rapid, spre exemplu \u00eenc\u0103 \u00eenainte de schimbarea ma\u0219inii cu alta nou\u0103 (sau rulat\u0103).<\/p>\n\n\n\n<p>Potrivit&nbsp;<a href=\"https:\/\/asfromania.ro\/consumatori\/alerte-consumatori\/6125-update-31-10-2017-atentionare-asf-bonus-malus\">Autorit\u0103\u021bii de Supraveghere Financiar\u0103 (ASF)<\/a>, dac\u0103 vinzi sau radiezi o ma\u0219in\u0103 trebuie s\u0103 \u0219tie c\u0103 beneficiaz\u0103 de anumite drepturi. Astfel, dac\u0103 nu au produs accidente \u00een perioada \u00een care asigurarea RCA prezent\u0103 este \u00een vigoare, ace\u0219tia \u00ee\u0219i pot recupera suma aferent\u0103 perioadei r\u0103mase p\u00e2n\u0103 la expirarea asigur\u0103rii respective. Pentru aceasta, trebuie s\u0103 se adreseze cu o cerere intermediarului (brokerului) sau asigur\u0103torului, \u00eenso\u021bit\u0103 de documente justificative. Acestea pot fi contractul de asigurare, certificatul de radiere, un act care dovede\u0219te v\u00e2nzarea vehiculului sau orice alt document doveditor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Schimbi ma\u0219ina? Cum transferi clasa bonus-malus pe noul vehicul<\/h4>\n\n\n\n<p>De asemenea, este important de \u0219tiut c\u0103 \u00een momentul \u00een care \u00ee\u021bi schimbi ma\u0219ina ai posibilitatea de a transfera&nbsp;<a href=\"https:\/\/www.promotor.ro\/stiri-auto\/asigurarea-rca-2020-cum-se-calculeaza-clasa-bonus-malus-18632867\">clasa de bonus-malus<\/a>&nbsp;pe noul vehicul. \u00cen felul acesta nu va trebui s\u0103 porne\u0219ti de la zero cu noua asigurarea RCA. Ecua\u021bia invers\u0103 nu va func\u021biona, dac\u0103 ai o clas\u0103 de malus pe vechea asigurare aceasta nu va fi \u0219tears\u0103 din baza de date odat\u0103 cu radierea ma\u0219inii, ci va afecta \u00een continuare profilul t\u0103u de risc. Implicit, \u0219i costurile de asigurare.<\/p>\n\n\n\n<p>\u0218i transferul clasei bonus-malus se poate face tot \u00een baza unei solicit\u0103ri scrise, la care trebuie s\u0103 ata\u0219ezi documente justificative privind \u00eenstr\u0103inarea sau radierea ma\u0219inii \u0219i achizi\u021bia vehiculului nou-dob\u00e2ndit. Dac\u0103 ai mai multe vehicule, transferul clasei bonus-malus de pe unul dintre acestea se face \u00een anumite condi\u021bii, \u00een func\u021bie de tipul de client.<\/p>\n\n\n\n<p>Astfel, dac\u0103 e\u0219ti asigurat persoan\u0103 fizic\u0103 \u0219i de\u021bii \u00een proprietate mai multe vehicule, beneficiezi de aceea\u0219i clas\u0103 a sistemului bonus-malus pentru toate vehiculele. Astfel, se va avea \u00een vedere cea mai favorabil\u0103 clas\u0103 de bonus-malus corespunz\u0103toare istoricului dumneavoastr\u0103 de daunalitate. Pe de alt\u0103 parte, dac\u0103 e\u0219ti asigurat ca persoan\u0103 juridic\u0103 \u0219i de\u021bii mai multe vehicule, sistemul bonus-malus se aplic\u0103 distinct pentru fiecare vehicul \u00een parte.<\/p>\n\n\n\n<p>sursa: promotor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dac\u0103 schimbi ma\u0219ina (sau doar o vinzi pe cea veche) trebuie s\u0103 \u0219tii c\u0103 po\u021bi ob\u021bine unele avantaje dac\u0103 anun\u021bi<\/p>\n","protected":false},"author":1,"featured_media":55841,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":"","jetpack_publicize_message":""},"categories":[6],"tags":[],"class_list":["post-65105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social"],"jetpack_featured_media_url":"https:\/\/i2.wp.com\/realitatearutiera.ro\/wp-content\/uploads\/2019\/10\/asigurarercanoualege-1536488591.jpg?fit=652%2C321&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p61naM-gW5","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/65105","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=65105"}],"version-history":[{"count":1,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/65105\/revisions"}],"predecessor-version":[{"id":65107,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/posts\/65105\/revisions\/65107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=\/wp\/v2\/media\/55841"}],"wp:attachment":[{"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/realitatearutiera.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}