Motor vehicle

liability insurance
RCA
Motor vehicle liability insurance is a measure of
legal protection and
mandatory for those who drive vehicles on public
roads in Moldova.
Auto liability insurance primarily protects the
policyholder
insurance because when he was involved in a
traffic incident and causes
his fault or human damage others, will have to
respond by paying civil
compensation of damages actions that caused
unintended
accident.
Through its principles and rules, civil law has always protected
goods, health and
life persons to whom it was addressed. For a long time, the
destruction of property,
health or life of the person was subject to simple rules of
retaliation: payment
injury suffered by the victim was provided by the same
measure taken by force on
author (biblical eye for an eye, a tooth for a tooth). The
evolution of European civilization and
the right of Greek and Roman origin imposed over time
substitution principle
retaliation another form of payment injury suffered in health,
life or
property: monetary compensation and, where possible
replacement or
repair the goods destroyed.
At the time when the Civil Code was adopted , the
c
Europe knew only a series of experiments that led
20 years later to
first appearance of modern car after German
engineer Karl Friedrich invention
Benz. Therefore, the Civil Code governing our
liability generally in
art. 1000 referred to "matters under our guard."
Acquisition costs
high at that time prevented people to use
individual cars
for personal transport. Decades later, American
inventor vision
Henry Ford to produce cars on a large scale
assembly lines imposed
auto industry development based on consumerism
and the desire of everyone to
manifest freedom of movement by driving a car.
Today, the number
cars run on public roads around the world has
reached hundreds of
million copies and continued to grow despite the
current economic crisis.
The large number of cars and drivers on the road
have increased
risk of accidents, in most cases events
unfortunate happening of human error, negligence
in the rules of
traffic circulation or agglomerations which are
sometimes difficult or impossible to avoid impact
consequences or material lives quite serious.
For movement car whenever the driver climb this
risk we expose ourselves
Personal err in traffic, buffering or destroy other
cars being put to final
We pay full damages caused.

This risk is assumed by the insurance company

undertakes to pay instead
Our caused damage and expenses incurred by the
insured in civil
by concluding the insurance policy of motor
vehicle liability. In RM, the insurance contract may
also include other people who are driving not only
owner, popular meaning of this mechanism is that
"the car is insured" RCA
and not the driver when the driver is provided as a
liability.
Auto liability insurance is mandatory for all owners
and
car users, the penalty for failing to ensure the
fines and detention by the police of the registration
certificate of the vehicle
to present the document on the conclusion
insurance.
Risks and exclusions
The complexity of the current situation in traffic
and Alternative
existing compensation to injured parties reach with
lobbying and pressures
strong financial insurance companies legally
limited cases
compensation by reducing the area of risk
assumed by insurance companies. payment
the user of the insurance premium currently
secures its coverage of
risks following the events caused to others in a car
accident:
a) personal injury or death, including non-
patrimonial damage;
b) damage;
c) the lack of use therefore damage to the
damaged vehicle;
d) costs incurred by the injured person.
Starting from the principle of
reparation and where driving is
other
people, methodological norms of 1. devices or equipment that is installed in the vehicle, including accidental
November 7, 2008 * detachment
RCA insurer requires to trailer, semi-trailer or sidecar
2. damage caused by negligence of the driver provided, including where the
pay compensation up to a limit the accident the driver:
of compensation laid down in the - was driving the vehicle without the consent of the insured or implied;
- does not hold a license permitting them to drive the vehicle;
insurance policy RCA and - not complied with the statutory technical requirements concerning the
condition and safety of the vehicle
the following additional events: respectively;
3. The damage caused by the action working when the damage is due to the
characteristics of the action or
inaction vehicle through vehicle movement driven by something else, by
drain, waste or accidental fall of substances, materials or objects
transported
4. If the person seeking compensation for personal injury are members
family of the insured person, driver or of any other person whose liability
It is engaged in a vehicle crash
5. The damage caused to third parties as a result of the opening when
walking or when
the vehicle is stopped or parked vehicle door by its passengers without
ensuring that not endanger the safety of other road travel
Such legislation adds mandatory vehicle liability insurance
Additional elements to ensure whatever prejudices vehicle
its director, speaking in such cases of a vehicle insured and
not
a person whose liability (motor insurance) is assured. To this
end, policies
RCA ends with identification of the vehicle, including series
chassis and registration number, valid for accidents
occurring all
driver of the car only so identified. While it is ensured
civil liability of the person driver policy "belongs" in fact the
vehicle. The driver
who paid a premium for a car can not use the same policy if
he is to
driving another car "uninsured" and cause an accident, cover
the liability of
It is conditional on a bill ending the identification of the
machine
involved in the accident.
An insurance company is one of the most effective
business because the total
of premiums collected exceeds the amount of
compensation paid: if all
vehicle owners are required to pay premiums for
liability insurance
motor insurance, only a small proportion of these
accidents occur, even if the
compensation for a particular case exceeds the
value of the first individual
paid. However, insurance business must know and
limit risk
it is subject, thus obtaining control over certain
risks that them
assume for reasons of economic viability. These
risks of certain events
uncoated exclusions are referred to in the RCA
binding specifically to the insurance
required by Regulation of November 7, 2008 and
include the following situations:
- no accident author's responsibility
- are products of the author vehicle damage, such situations should be
finished
Optional additional insurance called CASCO
- where the author or an agent or another person responsible owner
an accident on another vehicle his
- policy is not valid at the time of the accident
- exceeding the contractual limit for compensation
- fines and expenses incurred in the investigation or criminal proceedings
are covered only
expenditure which was forced by the lawsuit
- amounts that the author must pay the owner who had entrusted drive
- goods transported under contractual relations
- damages to persons or property under the vehicle which caused the
accident,
if the insurer can prove that the victims knew the vehicle was stolen;
- damage caused by devices or installations mounted on vehicles when
they are used as working equipment or facilities;
-damage caused by accidents occurred during
loading operations and
unloading, they pose a risk of professional activity;
- Product damage due to the transport of
dangerous products: radioactive ionizing
flammable, explosive, corrosive fuels that have
caused or exacerbated production
injury;
- damage caused by use of a vehicle during a
terrorist attack or war, if
said event is directly related to the attack or war;
- claims due to the reduction in value of goods
after repair.
If the fault of both drivers involved in the accident,
the amount of compensation is calculated based
on the percentage of fault of each. If
you can not determine the extent of liability of
each person, it will establish
equal shares in relation to the number of parties
involved in the accident, each side having
right to compensation in the proportion which was
made responsible for production
accident.
Who can claim compensation
under the RCA:
According to the legal mechanisms provided for in the Romanian
legislation is the only injured parson which may require payment
of compensation from the insurer directly after production
accident. Moreover, the injured parson has the option to request
either the author or the insurer RCA repair damage caused by
accident.
When injured parson author makes his claims by
accident, the author is
obliged to notify in the shortest time, RCA insurer
in writing about
that the injured party requested compensation
from him or that he exercised
the right to be reimbursed by submitting an
application to the court or
another authority, if the insured is about this.
to establish the compensation in case of damage or destruction of
property,
taking as a basis the following criteria:

1. claims brought by injured and evidence of,

2. amicable or authority on copyright and extent of guilt
3. legal provisions regarding the coverage amount of damage to
property
4. The value of the goods in time of the accident
5. compensation limits set by RCA insurance policy
The accident committed by a driver of a vehicle
that was not completed
compulsory motor liability insurance or an
unidentified vehicle
causing damage that can be repaired by using the
fund to protect victims
street. This Fund is outlines the contributions of all
insurers in Moldova
set in proportion to the volume of gross revenues
from the sale insurance
civil liability. The Fund covers situations including
compensation Economic Area
European Green Card System for Moldova citizens
under certain conditions.