RCA

It is mandatory to have RCA insurance! We are talking about insurance for the vehicle you have, and if you cause an accident, the injured party can be paid the cost of repairing the car regardless of the material situation you have. RCA insurance is extremely useful for both the person who caused the accident and the person whose car was damaged.

In addition to RCA insurance, you can also add direct settlement. This is an additional, optional clause, provided for in the RCA contract, charged additionally and on the basis of which, in the event of damage caused by the fault of a third party, you can apply to your own RCA insurer and they can take the necessary steps for the approval, investigation and compensation of that damage in question. The direct settlement shall not affect the right of the injured party to take direct action for the recovery of the damage caused against the RCA insurer of the person responsible for the accident.

This clause shall apply to the cumulative fulfilment of the following conditions:

  • Car accidents occur on the territory of Romania;

  • The vehicles involved in the accident are registered in Romania;

  • Damage is caused exclusively to vehicles;

  • Both vehicles involved in the car accident have RCA insurance valid at the time of the event, concluded and confirmed by insurers authorized to take out RCA insurance on the territory of Romania;

  • Damage excludes personal injury.

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