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{"id":7327,"date":"2013-10-30T15:18:06","date_gmt":"2013-10-30T14:18:06","guid":{"rendered":"http:\/\/o9atitudine.ro\/?p=7327"},"modified":"2013-10-30T16:11:20","modified_gmt":"2013-10-30T15:11:20","slug":"informatii-utile-asigurari-rca","status":"publish","type":"post","link":"http:\/\/o9atitudine.ro\/comunicate\/informatii-utile-asigurari-rca\/","title":{"rendered":"Informatii utile – asigurari RCA"},"content":{"rendered":"

$\"o9atitudine-Protectia-Consumatorilor-Protectia-Consumatorului\"$ <\/a>Ce este asigurarea RCA?<\/b><\/p>\n

Asigurarea RCA este o asigurare prin care ter\u021bii prejudicia\u021bi \u00een urma unui accident auto, produs din vina conduc\u0103torului auto asigurat, primesc desp\u0103gubiri pentru daunele materiale \u0219i\/sau decesul ori v\u0103t\u0103m\u0103rile corporale suferite \u00een acel accident.<\/p>\n

Toate persoanele fizice sau juridice care au \u00een proprietate vehicule supuse \u00eenmatricul\u0103rii\/\u00eenregistr\u0103rii \u00een Rom\u00e2nia au obliga\u021bia de a \u00eencheia asigurarea RCA \u0219i de a aplica pe parbrizul vehiculului \u00eentr-un loc vizibil din exterior vigneta primit\u0103 odat\u0103 cu poli\u021ba de asigurare.<\/p>\n

Scopul acestei asigur\u0103ri este ca cel p\u0103gubit s\u0103 primeasc\u0103 desp\u0103gubiri pentru daunele suferite, indiferent de situa\u021bia material\u0103 a celui care a produs paguba.<\/p>\n

\u00cen acest fel, asigurarea RCA este at\u00e2t \u00een interesul ter\u021bului p\u0103gubit, c\u00e2t \u0219i \u00een interesul celui care a produs paguba.Trebuie remarcat faptul c\u0103 s-ar putea \u00eent\u00e2mpla ca, doar dintr-o mic\u0103 neaten\u021bie, un conduc\u0103tor auto s\u0103 produc\u0103 celui pe care l-a accidentat pagube evaluate la o sum\u0103 considerabil\u0103, sum\u0103 care i-ar afecta resursele financiare de care dispune sau chiar le-ar dep\u0103\u0219i. Av\u00e2nd \u00een vedere acest aspect, cel care circul\u0103 f\u0103r\u0103 a avea o asigurare de r\u0103spundere civil\u0103 auto valabil\u0103 \u00ee\u0219i asum\u0103 un risc enorm.<\/p>\n

\u00cencheierea asigur\u0103rii<\/b><\/p>\n

Pute\u021bi \u00eencheia contractul de asigurare RCA cu oricare din\u00a0societ\u0103\u021bile de asigurare autorizate \u00een acest sens<\/a>.<\/a>\u00a0La \u00eencheierea contractului \u2013 pe o perioad\u0103 de 6 sau 12 luni \u00een func\u021bie de op\u021biunea dvs. \u2013 vi se elibereaz\u0103 poli\u0163a de asigurare obligatorie de r\u0103spundere civil\u0103 a vehiculelor, \u00eempreun\u0103 cu vigneta \u015fi documentul interna\u0163ional de asigurare.<\/p>\n

\u00cencep\u00e2nd cu 1 ianuarie 2010, poli\u021bele de asigurare RCA sunt emise \u00een sistem\u00a0electronic.<\/p>\n

Vigneta RCA<\/b><\/p>\n

Vignetele valabile \u00eencep\u00e2nd din 2011 sunt nu doar \u00eenseriate, ci \u0219i numerotate pentru a se asigura un plus de siguran\u021b\u0103 \u00een ceea ce prive\u0219te veridicitatea poli\u021bei de asigurare RCA cump\u0103rate.<\/p>\n

Asigura\u021bi-v\u0103 c\u0103, odat\u0103 cu poli\u021ba, v-a fost\u00a0\u00eenm\u00e2nat\u0103 \u0219i vigneta RCA.\u00a0Verifica\u021bi ca vigneta s\u0103 fie \u00eenseriat\u0103 \u0219i numerotat\u0103, iar num\u0103rul de pe aceasta s\u0103 fie men\u021bionat \u0219i pe poli\u021ba de asigurare (poli\u021b\u0103 care este \u00eenseriat\u0103 \u015fi are, de asemenea,\u00a0un num\u0103r).<\/p>\n

CSA subliniaz\u0103 faptul c\u0103 asigur\u0103torii care au fost autoriza\u0163i s\u0103 practice asigurarea obligatorie RCA \u00ee\u015fi asum\u0103 r\u0103spunderea pentru toate poli\u0163ele RCA, c\u00e2t \u015fi pentru toate vignetele eliberate, \u015fi pentru toate erorile sau omisiunile ap\u0103rute la emiterea\u00a0 poli\u0163elor de asigurare RCA fie direct, fie prin intermediarii \u00een asigur\u0103ri.<\/p>\n

Unde este valabil\u0103 asigurarea RCA<\/b><\/p>\n

Asigurarea obligatorie RCA este valabil\u0103 cel pu\u0163in pe:<\/p>\n

\n
teritoriul Rom\u00e2niei;<\/li>\n
teritoriul statelor membre ale Uniunii Europene \u015fi cele apar\u0163in\u00e2nd Spa\u0163iului Economic European;<\/li>\n
teritoriul statelor care leag\u0103 direct dou\u0103 \u0163\u0103ri membre ale Uniunii Europene \u00een care nu exist\u0103 birou na\u0163ional.<\/li>\n<\/ul>\n
Asigur\u0103torii pot extinde valabilitatea teritorial\u0103 a poli\u0163ei. \u0162\u0103rile \u00een care\u00a0asigurarea este valabil\u0103 sunt precizate \u00een poli\u0163\u0103.\u00a0<\/b><\/p>\n
Desp\u0103gubiri acordate \u00een temeiul asigur\u0103rii RCA<\/b><\/p>\n
\u00cen conformitate cu legisla\u021bia \u00een viigoare, asigur\u0103torul RCA are obliga\u0163ia de a desp\u0103gubi partea prejudiciat\u0103 pentru prejudiciile suferite \u00een urma accidentului produs prin intermediul vehiculului asigurat, potrivit preten\u0163iilor formulate \u00een cererea de desp\u0103gubire, dovedite prin orice mijloc de prob\u0103.<\/p>\n
F\u0103r\u0103 a se dep\u0103\u015fi limitele de desp\u0103gubire prev\u0103zute \u00een contractul de asigurare RCA, \u00een condi\u0163iile \u00een care evenimentul asigurat s-a produs \u00een perioada de valabilitate a poli\u0163ei de asigurare RCA, se acord\u0103 desp\u0103gubiri, \u00een form\u0103 b\u0103neasc\u0103, pentru:<\/p>\n
\n
v\u0103t\u0103m\u0103ri corporale sau deces, inclusiv pentru prejudicii f\u0103r\u0103 caracter patrimonial;<\/li>\n
pagube materiale;<\/li>\n
pagube consecin\u0163\u0103 a lipsei de folosin\u0163\u0103 a vehiculului avariat;<\/li>\n
cheltuieli de judecat\u0103 efectuate de c\u0103tre persoana prejudiciat\u0103.<\/li>\n<\/ul>\n
Riscurile acoperite prin asigurarea obligatorie RCA, dar \u0219i\u00a0excluderile sunt descrise \u00een\u00a0 normele \u00een vigoare privind aceast\u0103 asigurare<\/a>.<\/p>\n
Limite de desp\u0103gubire<\/b><\/p>\n
Desp\u0103gubirile pl\u0103tite de o societate de asigurare, \u00een baza asigur\u0103rii RCA \u00eencheiat\u0103 pentru vehiculul care a produs accidentul, nu vor dep\u0103\u0219i valoarea prejudiciilor cauzate \u0219i nici limitele de r\u0103spundere la care s-a angajat asigur\u0103torul.<\/p>\n
Asigur\u0103torii RCA au obliga\u0163ia de a stabili limite de r\u0103spundere (de desp\u0103gubire), care\u00a0nu pot fi mai mici<\/b>\u00a0dec\u00e2t limitele de desp\u0103gubire prev\u0103zute de\u00a0normele \u00een vigoare privind asigurarea RCA<\/a>\u00a0emise de c\u0103tre Comisia de Supraveghere a Asigur\u0103rilor.<\/p>\n
Sursa : www.csa-isc.ro<\/p>\n
Asociatia Nationala pentru Protectia Consumatorilor si Promovarea Programelor si Strategiilor din Romania \u2013 A.N.P.C.P.P.S.Romania \u2013 InfoCons, unica organizatie din Romania cu drepturi depline in Consumers International, este o asociatie de consumatori neguvernamentala, reprezentativa, de drept privat, fara scop lucrativ, cu patrimoniu distinct si indivizibil, independenta, intemeiata pe principii democratice, ce apara drepturile consumatorilor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Ce este asigurarea RCA? Asigurarea RCA este o asigurare prin care ter\u021bii prejudicia\u021bi \u00een urma unui accident auto, produs din vina conduc\u0103torului auto asigurat, primesc desp\u0103gubiri pentru daunele materiale \u0219i\/sau decesul ori v\u0103t\u0103m\u0103rile corporale suferite \u00een acel accident. De ce este obligatorie? Toate persoanele fizice sau juridice care au \u00een proprietate vehicule supuse \u00eenmatricul\u0103rii\/\u00eenregistr\u0103rii \u00een […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/7327"}],"collection":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/comments?post=7327"}],"version-history":[{"count":3,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/7327\/revisions"}],"predecessor-version":[{"id":7330,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/7327\/revisions\/7330"}],"wp:attachment":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/media?parent=7327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/categories?post=7327"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/tags?post=7327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}