{"id":665219,"date":"2025-12-08T10:16:04","date_gmt":"2025-12-08T10:16:04","guid":{"rendered":"https:\/\/microscopemedia.com\/?p=665219"},"modified":"2025-12-08T10:16:04","modified_gmt":"2025-12-08T10:16:04","slug":"noua-lege-rca-ce-s-a-schimbat-pentru-soferi-si-victime-dupa-reforma-fga","status":"publish","type":"post","link":"https:\/\/microscopemedia.com\/?p=665219","title":{"rendered":"Noua lege RCA: ce s-a schimbat pentru \u0219oferi \u0219i victime dup\u0103 reforma FGA"},"content":{"rendered":"
<\/div>\n

Ce prevede noua lege<\/h2>\n

Limitarea plafonului de 500.000 de lei, care anterior restric\u021biona desp\u0103gubirile oferite de FGA \u00een caz de faliment al asigur\u0103torului, a fost ridicat\u0103<\/strong>. Acum desp\u0103gubirile se vor face \u00een baza limitelor maxime prev\u0103zute de poli\u021ba RCA sau de legisla\u021bia aplicabil\u0103<\/strong>.<\/p>\n

Modificarea aduce criterii de prioritate la plata desp\u0103gubirilor (victimele cu daune grave, deceda\u021bii sau rudele acestora, cazurile sociale) \u0219i acestea pot primi desp\u0103gubiri cu prioritate fa\u021b\u0103 de alte crean\u021be.<\/p>\n

Legea a fost adoptat\u0103 ca urmare a transpunerii \u00een legisla\u021bia na\u021bional\u0103 a Directivei (UE) 2021\/2118 privind asigurarea de r\u0103spundere civil\u0103 auto (RCA), obligativitatea asigur\u0103rii \u0219i protec\u021bia persoanelor prejudiciate.<\/p>\n

De ce conteaz\u0103 schimbarea<\/h2>\n

P\u00e2n\u0103 acum, dac\u0103 un asigur\u0103tor intra \u00een faliment, a\u0219a cum s-a \u00eent\u00e2mplat \u00een trecut cu companii importante (Euroins \u0219i City Insurance), FGA pl\u0103tea desp\u0103gubiri doar p\u00e2n\u0103 la 500.000 lei per dosar<\/a>, ceea ce l\u0103sa victimele cu cereri mari (daune materiale semnificative, v\u0103t\u0103m\u0103ri grave sau decese) vulnerabile. Cu plafonul eliminat, desp\u0103gubirile pot acoperi prejudicii reale, mai mari, \u00een limitele poli\u021bei.<\/p>\n

\u00cen trecut, mai multe companii mari de asigur\u0103ri din Rom\u00e2nia, precum City Insurance \u0219i Euroins, au intrat \u00een faliment sau au fost lichidate, l\u0103s\u00e2nd sute de \u0219oferi \u0219i victime f\u0103r\u0103 desp\u0103gubiri complete.<\/strong> Fondul de Garantare a Asigura\u021bilor (FGA) intervenea, dar limita de 500.000 lei nu acoperea \u00eentotdeauna valoarea real\u0103 a prejudiciului, mai ales \u00een cazul accidentelor grave sau al daunelor materiale mari<\/strong>. Astfel, victimele r\u0103m\u00e2neau adesea cu sume neacoperite \u0219i era nevoie de modificarea legii pentru a elimina acest plafon \u0219i a asigura desp\u0103gubiri complete, \u00een limita poli\u021bei.<\/p>\n

Prioritizarea cererilor pentru victimele grave adaug\u0103 un strat suplimentar de protec\u021bie social\u0103, persoanele vulnerabile sau cele cu daune majore fiind tratate cu prioritate la compensare.<\/p>\n

Ce spun autorit\u0103\u021bile \u0219i ce \u00eenseamn\u0103 pentru pia\u021ba RCA<\/h2>\n

Executivul afirm\u0103 c\u0103 modificarea este necesar\u0103 pentru alinierea la standardele europene \u0219i pentru protec\u021bia real\u0103 a victimelor, mai ales dup\u0103 crizele din pia\u021ba asigur\u0103rilor (falimente ale unor asigur\u0103tori).<\/p>\n

De asemenea, se iau m\u0103suri pentru recalcularea riscurilor \u0219i ajustarea contribu\u021biilor asigur\u0103torilor la FGA, ceea ce ar putea avea impact asupra costului poli\u021belor RCA. Pentru 2026 este \u00een discu\u021bie reducerea cotelor de contribu\u021bie datorate de asigur\u0103tori c\u0103tre FGA.<\/strong><\/p>\n

Ce trebuie s\u0103 \u0219tie \u0219oferii \u0219i poten\u021bialele victime<\/h2>\n

Dac\u0103 e\u0219ti victim\u0103 a unui accident \u0219i autorul are o poli\u021b\u0103 RCA de la un asigur\u0103tor falimentar, acum ai \u0219anse reale s\u0103 prime\u0219ti desp\u0103gubiri pe m\u0103sura prejudiciului, nu doar p\u00e2n\u0103 la 500.000 lei.<\/strong><\/p>\n

De asemenea, \u00een cazul decesului sau v\u0103t\u0103m\u0103rii grave, dosarul t\u0103u va avea prioritate la plat\u0103. Dac\u0103 e\u0219ti p\u0103gubit material (ma\u0219in\u0103 distrus\u0103, bunuri), limita de 500.000 lei nu mai exist\u0103, compensa\u021biile put\u00e2nd acoperi dauna real\u0103 \u00een limita poli\u021bei.<\/p>\n

Nu \u00een ultimul r\u00e2nd, pentru posibilii cump\u0103r\u0103tori de poli\u021be RCA, pia\u021ba ar putea suferi ajust\u0103ri (costuri u\u0219or mai ridicate, dar cu mai mult\u0103 protec\u021bie real\u0103).<\/p>\n","protected":false},"excerpt":{"rendered":"

Ce prevede noua lege Limitarea plafonului de 500.000 de lei, care anterior restric\u021biona desp\u0103gubirile oferite de FGA \u00een caz de faliment al asigur\u0103torului, a fost ridicat\u0103. Acum desp\u0103gubirile se vor … Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":665220,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/665219"}],"collection":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=665219"}],"version-history":[{"count":0,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/665219\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/media\/665220"}],"wp:attachment":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=665219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=665219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=665219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}