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{"id":7690,"date":"2015-03-31T11:19:10","date_gmt":"2015-03-31T10:19:10","guid":{"rendered":"http:\/\/o9atitudine.ro\/?p=7690"},"modified":"2015-03-31T11:19:10","modified_gmt":"2015-03-31T10:19:10","slug":"recomandarea-asf-catre-consumatori-pentru-incheierea-politelor-de-asigurare-rca","status":"publish","type":"post","link":"http:\/\/o9atitudine.ro\/comunicate\/recomandarea-asf-catre-consumatori-pentru-incheierea-politelor-de-asigurare-rca\/","title":{"rendered":"Recomandarea ASF c\u0103tre consumatori pentru \u00eencheierea poli\u0163elor de asigurare RCA"},"content":{"rendered":"

Autoritatea de Supraveghere Financiar\u0103 – ASF dore\u015fte s\u0103 recomande consumatorilor aten\u0163ie sporit\u0103 la achizi\u0163ionarea poli\u0163elor de asigurare auto RCA (asigur\u0103ri obligatorii de r\u0103spundere civil\u0103), \u00een scopul prevenirii prejudiciilor cauzate de plata unor poli\u0163e false de asigurare.<\/p>\n

ASF consider\u0103 riscul contract\u0103rii unei poli\u0163e RCA false ca fiind la nivel minim, \u00een contextul \u00een care at\u00e2t la nivelul formularelor tipizate c\u00e2t \u015fi la nivelul mecanismelor de raportare \u015fi control exist\u0103 suficiente elemente de siguran\u0163\u0103.<\/p>\n

Cu toate acestea, consumatorii de asigur\u0103ri au la r\u00e2ndul lor un rol important\u00a0 \u00een prevenirea sau descoperirea la timp a unor asemenea cazuri, respect\u00e2nd\u00a0 anumite m\u0103suri recomandate de c\u0103tre ASF:<\/p>\n

Principalele recomand\u0103ri<\/em><\/strong><\/p>\n

\n
Trebuie sa fim aten\u0163i dac\u0103 societatea care elibereaz\u0103 aceste poli\u0163e (direct sau prin intermediul brokerilor) este autorizat\u0103 de ASF \u00een acest scop: doar 11 societ\u0103\u0163i sunt autorizate s\u0103 practice asigurarea RCA, lista acestora fiind disponibil\u0103 la urm\u0103torul link<\/a>.<\/li>\n
\u00cenainte de a semna o poli\u0163\u0103 RCA trebuie s\u0103 verific\u0103m \u00eendeplinirea urm\u0103toarelor condi\u0163ii: la \u00eencheierea asigur\u0103rii obligatorii RCA, asigur\u0103torul este obligat s\u0103 emit\u0103 poli\u0163a de asigurare obligatorie de r\u0103spundere civil\u0103 a vehiculelor (RCA), vigneta, documentul interna\u0163ional de asigurare (Cartea Verde), respectiv chitan\u0163a \u00een cazul \u00een care plata se efectueaz\u0103 cu numerar.<\/em><\/li>\n
Trebuie s\u0103 verific\u0103m dac\u0103 poli\u0163a de asigurare RCA con\u0163ine informa\u0163ii despre p\u0103r\u0163ile implicate \u00een contract, perioada de valabilitate a asigur\u0103rii, limitele maxime de desp\u0103gubire, prima de asigurare, clasa bonus – malus, \u00a0datele tehnice reale ale vehiculului (num\u0103rul de \u00eenmatriculare \/ \u00eenregistrare, num\u0103rul de identificare al vehiculului) conform documentelor de identificare ale acestuia precum \u015fi statele \u00een care acest document are valabilitate, pentru a ne asigura de\u00a0 corectitudinea datelor din poli\u0163\u0103. Forma \u015fi con\u0163inutul poli\u0163ei de asigurare RCA, a documentului interna\u0163ional de asigurare precum \u015fi cea a vignetei precum \u015fi caracteristicile tehnice care trebuie \u00eendeplinite pot fi vizualizate la urm\u0103toarele linkuri: Link 1<\/a>, Link 2<\/a>, Link 3<\/a>.<\/li>\n
Consumatorii sunt sf\u0103tui\u0163i s\u0103 utilizeze, ori de c\u00e2te ori este necesar, baza de date CEDAM<\/a> disponibil\u0103 pe pagina de internet www.asfromania.ro<\/a> la urm\u0103torul link<\/a>.<\/li>\n<\/ol>\n
Prin accesarea CEDAM<\/a>, consumatorii pot verifica existen\u0163a \u00een baza de date a poli\u0163ei achizi\u0163ionate anterior\u00a0 (dar nu mai devreme de 5 zile de la data \u00eencheierii poli\u0163ei RCA), precum \u015fi urm\u0103toarele:<\/p>\n
\n
existen\u0163a unei poli\u0163e RCA la o anumit\u0103 dat\u0103 pentru un anumit vehicul;<\/li>\n
vizualizarea societ\u0103\u0163ii de asigurare care a emis poli\u0163a;<\/li>\n
identificarea prejudiciilor asociate poli\u0163elor valabile \u00eencep\u00e2nd cu anul 2008.<\/li>\n<\/ul>\n
ASF reaminte\u015fte faptul c\u0103 RCA este asigurarea obligatorie de r\u0103spundere civil\u0103 pe baza c\u0103reia asigur\u0103torul care a emis poli\u0163a pl\u0103te\u015fte desp\u0103gubiri ter\u0163elor persoane p\u0103gubite, \u00een urma unui accident provocat de vehiculul pentru care s-a \u00eencheiat poli\u0163a. Asigurarea RCA este obligatorie indiferent dac\u0103 se \u00eencheie sau nu o asigurare facultativ\u0103 CASCO pentru acela\u015fi vehicul.<\/em><\/p>\n
\u00cen lipsa unei poli\u0163e valide, Fondul de protec\u0163ie a victimelor str\u0103zii va suporta prejudiciile \u00een cazul unui accident, urm\u00e2nd s\u0103 recupereze sumele acordate drept desp\u0103gubire de la persoana vinovat\u0103 de producerea accidentului. Mai mult, dac\u0103 autovehiculul este depistat f\u0103r\u0103 o poli\u0163\u0103 RCA valabil\u0103, proprietarul este sanc\u0163ionat cu amend\u0103.<\/em><\/p>\n
Pentru evitarea pagubelor provocate de \u00een\u015fel\u0103ciunile cu poli\u0163e RCA false \u015fi pentru ca asigur\u0103rile \u00eencheiate s\u0103 \u00ee\u015fi dovedeasc\u0103 utilitatea \u00een eventualitatea unor evenimente nedorite, se recomand\u0103 parcurgerea pa\u015filor descri\u015fi mai sus.<\/em><\/p>\n
De asemenea, reamintim faptul c\u0103, \u00een data de 24 Octombrie 2013, ASF a adus la cuno\u015ftin\u0163a publicului informa\u0163ii suplimentare relevante pentru proprietarii de vehicule care au obliga\u0163ia \u00eencheierii asigur\u0103rii RCA, disponibile la urm\u0103torul <\/em>link<\/em><\/a>.<\/em><\/p>\n
\n
ASF va continua s\u0103 publice pe site-ul s\u0103u recomand\u0103ri cu caracter preventiv \u015fi \u00eencurajeaz\u0103 consumatorii de servicii aferente \u00eentregii pie\u0163ei financiare non-bancare s\u0103 semnaleze, prin sesiz\u0103ri, orice posibil\u0103 neregul\u0103 observat\u0103.<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Autoritatea de Supraveghere Financiar\u0103 – ASF dore\u015fte s\u0103 recomande consumatorilor aten\u0163ie sporit\u0103 la achizi\u0163ionarea poli\u0163elor de asigurare auto RCA (asigur\u0103ri obligatorii de r\u0103spundere civil\u0103), \u00een scopul prevenirii prejudiciilor cauzate de plata unor poli\u0163e false de asigurare. ASF consider\u0103 riscul contract\u0103rii unei poli\u0163e RCA false ca fiind la nivel minim, \u00een contextul \u00een care at\u00e2t la […]<\/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\/7690"}],"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=7690"}],"version-history":[{"count":1,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/7690\/revisions"}],"predecessor-version":[{"id":7691,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/posts\/7690\/revisions\/7691"}],"wp:attachment":[{"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/media?parent=7690"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/categories?post=7690"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/o9atitudine.ro\/wp-json\/wp\/v2\/tags?post=7690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}