{"id":294,"date":"2026-11-13T08:00:00","date_gmt":"2026-11-13T06:00:00","guid":{"rendered":"https:\/\/surduasigurari.ro\/news\/?p=294"},"modified":"2026-11-13T08:00:00","modified_gmt":"2026-11-13T06:00:00","slug":"ce-acopera-rca-daca-derapezi-pe-polei","status":"publish","type":"post","link":"https:\/\/surduasigurari.ro\/news\/ce-acopera-rca-daca-derapezi-pe-polei\/","title":{"rendered":"Ai derapat pe polei. Ce acoper\u0103 RCA-ul \u0219i ce r\u0103m\u00e2ne \u00een sarcina ta"},"content":{"rendered":"<p>Pe un drum cu polei, \u00eentrebarea \u201eTu ai RCA?\u201d vine t\u00e2rziu dac\u0103 o pui dup\u0103 impact. Derapajul dureaz\u0103 o clip\u0103. Poli\u021ba, dac\u0103 e expirat\u0103 sau dac\u0103 te a\u0219tep\u021bi s\u0103 \u00ee\u021bi repare propria ma\u0219in\u0103, nu se schimb\u0103 \u00een clipa aceea. Merit\u0103 s\u0103 \u0219tii dinainte ce acoper\u0103 RCA-ul \u00eentr-o astfel de situa\u021bie \u0219i ce r\u0103m\u00e2ne \u00een sarcina ta.<\/p>\n<h2>RCA-ul pl\u0103te\u0219te prejudiciile f\u0103cute altora, nu ma\u0219ina ta<\/h2>\n<p><a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/190029\">Legea nr. 132\/2017<\/a> privind asigurarea obligatorie de r\u0103spundere civil\u0103 auto este scris\u0103 pentru prejudicii produse <strong>ter\u021bilor<\/strong>. Nu este o asigurare a propriei ma\u0219ini.<\/p>\n<p>Potrivit art. 11 din lege, forma disponibil\u0103 \u0219i \u00een <a href=\"https:\/\/asfromania.ro\/ro\/a\/2884\/1.1-legislatie-primara-asigurari\">legisla\u021bia primar\u0103 publicat\u0103 de ASF<\/a>, asigur\u0103torul RCA are obliga\u021bia de a desp\u0103gubi partea prejudiciat\u0103 pentru prejudiciile dovedite suferite \u00een urma accidentului produs prin intermediul vehiculului asigurat. Condi\u021bia esen\u021bial\u0103 este ca evenimentul s\u0103 se fi produs \u00een perioada de valabilitate a contractului RCA. Desp\u0103gubirile, f\u0103r\u0103 a dep\u0103\u0219i limitele de r\u0103spundere prev\u0103zute de lege \u0219i de contract, includ:<\/p>\n<ul>\n<li>v\u0103t\u0103m\u0103ri corporale sau deces, inclusiv prejudicii f\u0103r\u0103 caracter patrimonial;<\/li>\n<li>prejudicii materiale, inclusiv cheltuieli dovedite cu limitarea prejudiciului \u0219i cu diminuarea valorii vehiculului dup\u0103 repara\u021bii;<\/li>\n<li>costuri privind readucerea vehiculului avariat al ter\u021bului la starea de dinaintea evenimentului;<\/li>\n<li>prejudicii din lipsa de folosin\u021b\u0103 a vehiculului avariat, inclusiv \u00eenlocuirea temporar\u0103, la op\u021biunea persoanei prejudiciate;<\/li>\n<li>cheltuieli de judecat\u0103, \u00een condi\u021biile legii;<\/li>\n<li>transportul vehiculului avariat al ter\u021bului, \u00een situa\u021biile prev\u0103zute expres de art. 11.<\/li>\n<\/ul>\n<p>Acela\u0219i articol spune clar c\u0103 aceste desp\u0103gubiri se acord\u0103 indiferent unde s-a produs accidentul: pe drumuri publice, pe drumuri care nu sunt deschise circula\u021biei publice, \u00een incinte \u0219i \u00een orice alte locuri, at\u00e2t \u00een timpul deplas\u0103rii, c\u00e2t \u0219i \u00een timpul sta\u021bion\u0103rii vehiculului asigurat. Un derapaj \u00eentr-o parcare sau pe un drum secundar, iarna, nu scoate evenimentul din sfera RCA, dac\u0103 poli\u021ba e valabil\u0103 \u0219i sunt \u00eendeplinite condi\u021biile legii.<\/p>\n<h2>Poleiul nu anuleaz\u0103 vinov\u0103\u021bia \u0219i nu \u021bine loc de poli\u021b\u0103<\/h2>\n<p>Carosabilul alunecos explic\u0103 de ce a fost greu de \u021binut ma\u0219ina. Nu \u0219terge, prin el \u00eensu\u0219i, r\u0103spunderea pentru prejudiciul produs altuia \u0219i nu \u00eenlocuie\u0219te contractul RCA.<\/p>\n<p>Dac\u0103 derapezi \u0219i love\u0219ti un alt vehicul, un st\u00e2lp al unui ter\u021b sau, mai grav, o persoan\u0103, \u00eentrebarea juridic\u0103 r\u0103m\u00e2ne cea din <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/190029\">Legea nr. 132\/2017<\/a>: s-a produs un prejudiciu prin intermediul vehiculului asigurat, \u00een perioada de valabilitate a contractului? Dac\u0103 da, asigur\u0103torul RCA al celui vinovat desp\u0103gube\u0219te partea prejudiciat\u0103, \u00een limitele \u0219i condi\u021biile legii.<\/p>\n<p>Dac\u0103 poli\u021ba ta nu mai e valabil\u0103 \u00een momentul impactului, nu mai exist\u0103 acest mecanism pentru tine ca \u0219ofer r\u0103spunz\u0103tor. Prejudiciul r\u0103m\u00e2ne o problem\u0103 \u00eentre tine \u0219i cel p\u0103gubit, cu consecin\u021bele prev\u0103zute de lege pentru lipsa RCA. Pe polei, riscul unui eveniment nu scade. Cre\u0219te. Tocmai de aceea valabilitatea poli\u021bei trebuie verificat\u0103 \u00eenainte, nu dup\u0103.<\/p>\n<p>Anvelopele de iarn\u0103, obligatorii pe drumurile acoperite cu z\u0103pad\u0103, ghea\u021b\u0103 sau polei potrivit <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/74028\">art. 102 alin. (1) pct. 28 din OUG nr. 195\/2002<\/a> \u0219i <a href=\"https:\/\/www.mai.gov.ro\/cand-se-folosesc-anvelopele-de-iarna\/\">preciz\u0103rilor Poli\u021biei Rom\u00e2ne<\/a>, sunt o alt\u0103 discu\u021bie. Te pot ajuta s\u0103 eviti derapajul \u0219i te \u021bin \u00een legalitate pe un astfel de drum. Nu pl\u0103tesc bara celuilalt \u0219i nu repar\u0103 a ta.<\/p>\n<h2>Ce r\u0103m\u00e2ne, de regul\u0103, \u00een sarcina ta<\/h2>\n<p>RCA-ul nu este Casco. Dac\u0103 tu e\u0219ti vinovat de accident, repara\u021bia propriei ma\u0219ini nu intr\u0103 \u00een acoperirea RCA. Pentru dauna de pe ma\u0219ina ta ai nevoie de o poli\u021b\u0103 Casco valabil\u0103, \u00een condi\u021biile acelei poli\u021be, sau suporti costul din buzunar.<\/p>\n<p>Mai r\u0103m\u00e2n \u00een sarcina ta, \u00eentre altele:<\/p>\n<ul>\n<li>s\u0103 ai contract RCA valabil la data evenimentului;<\/li>\n<li>s\u0103 nu confunzi \u201eam RCA\u201d cu \u201emi se repar\u0103 ma\u0219ina\u201d;<\/li>\n<li>s\u0103 anun\u021bi evenimentul \u0219i s\u0103 urmezi pa\u0219ii din lege \u0219i din contract pentru constatare \u0219i dosar de daun\u0103;<\/li>\n<li>s\u0103 \u0219tii c\u0103 limitele de desp\u0103gubire sunt cele prev\u0103zute de legisla\u021bia aplicabil\u0103 \u0219i de contract, nu o sum\u0103 \u201edup\u0103 impresie\u201d.<\/li>\n<\/ul>\n<p>Dac\u0103 tu e\u0219ti cel lovit, te adresezi asigur\u0103torului RCA al celui vinovat. \u00cen anumite condi\u021bii prev\u0103zute de lege, po\u021bi avea \u0219i op\u021biunea decont\u0103rii directe, dac\u0103 ai cump\u0103rat aceast\u0103 clauz\u0103 \u0219i sunt \u00eendeplinite cerin\u021bele legale. E o discu\u021bie separat\u0103, util\u0103 de clarificat pe poli\u021ba ta \u00eenainte s\u0103 ai nevoie de ea.<\/p>\n<p>Pe loc, prioritatea e siguran\u021ba: dac\u0103 sunt r\u0103ni\u021bi, suni la 112. Apoi documentezi scena \u0219i nu l\u0103sa discu\u021bia de \u201eera polei\u201d s\u0103 \u00eenlocuiasc\u0103 poli\u021ba, constatarea \u0219i datele celuilalt \u0219ofer. RCA-ul celuilalt se poate verifica, iar al t\u0103u trebuie s\u0103 fie deja valabil. Nu e momentul s\u0103 descoperi, pe ger, c\u0103 \u021bi-a expirat s\u0103pt\u0103m\u00e2na trecut\u0103.<\/p>\n<h2>Ce verifici ast\u0103zi, nu dup\u0103 primul derapaj<\/h2>\n<p>Uit\u0103-te pe poli\u021b\u0103, nu pe memorie.<\/p>\n<ul>\n<li>Care este data de \u00eencheiere a valabilit\u0103\u021bii RCA? Mai e timp p\u00e2n\u0103 atunci, sau expir\u0103 \u00een zilele urm\u0103toare?<\/li>\n<li>Ai poli\u021ba la \u00eendem\u00e2n\u0103, \u00een ma\u0219in\u0103 sau \u00een telefon, ca s\u0103 o po\u021bi ar\u0103ta dac\u0103 se \u00eent\u00e2mpl\u0103 ceva?<\/li>\n<li>Ai doar RCA sau \u0219i Casco? \u0218tii clar ce face fiecare?<\/li>\n<li>Dac\u0103 pleci la un drum lung pe vreme rece, ai verificat \u0219i anvelopele, nu doar asigurarea?<\/li>\n<\/ul>\n<p>Un derapaj pe polei poate fi o tamponare u\u0219oar\u0103 sau o daun\u0103 grea. Legea nu schimb\u0103 acoperirea \u00een func\u021bie de c\u00e2t de alunecos era asfaltul. Schimb\u0103, \u00eens\u0103, totul faptul c\u0103 poli\u021ba mai era sau nu era \u00een vigoare \u00een acea clip\u0103.<\/p>\n<h2>Vrei s\u0103 verific\u0103m dac\u0103 RCA-ul e valabil?<\/h2>\n<p>Surdu Asigur\u0103ri, \u00een Drobeta-Turnu Severin, \u00ee\u021bi verific\u0103 poli\u021ba \u0219i \u00ee\u021bi explic\u0103 ce acoper\u0103, ce nu acoper\u0103 \u0219i p\u00e2n\u0103 c\u00e2nd e valabil\u0103. Compar\u0103m oferte de la companii autorizate ASF, f\u0103r\u0103 s\u0103-\u021bi promitem o daun\u0103 sau o economie pe care nu o putem garanta.<\/p>\n<p>Scrie-ne pe WhatsApp la <a href=\"https:\/\/wa.me\/40748976933?text=Buna%2C%20vin%20din%20articolul%20A2%20si%20vreau%20o%20verificare%20a%20politei\">0748 976 933<\/a>, cu mesajul: \u201eBun\u0103, vin din articolul A2 \u0219i vreau o verificare a poli\u021bei.\u201d<\/p>\n<p>WhatsApp: <a href=\"https:\/\/wa.me\/40748976933?text=Buna%2C%20vin%20din%20articolul%20A2%20si%20vreau%20o%20verificare%20a%20politei\">wa.me\/40748976933<\/a><\/p>\n<p>Siguran\u021ba ta, grija noastr\u0103.<\/p>\n<p><strong>Surse:<\/strong> <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/190029\">Legea nr. 132\/2017<\/a>; <a href=\"https:\/\/asfromania.ro\/ro\/a\/2884\/1.1-legislatie-primara-asigurari\">ASF \u2014 legisla\u021bie primar\u0103 asigur\u0103ri<\/a>; <a href=\"https:\/\/asfromania.ro\/ro\/a\/1660\/q&amp;a-asigurari\">ASF \u2014 \u00eentreb\u0103ri frecvente asigur\u0103ri<\/a>; <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/74028\">OUG nr. 195\/2002<\/a>; <a href=\"https:\/\/www.mai.gov.ro\/cand-se-folosesc-anvelopele-de-iarna\/\">Poli\u021bia Rom\u00e2n\u0103 \/ MAI \u2014 C\u00e2nd se folosesc anvelopele de iarn\u0103?<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pe polei, RCA-ul pl\u0103te\u0219te prejudiciile f\u0103cute altora, dac\u0103 poli\u021ba e valabil\u0103. Nu repar\u0103 ma\u0219ina ta. Ce spune Legea 132\/2017 \u0219i ce verifici acum.<\/p>\n","protected":false},"author":1,"featured_media":295,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asigurari"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ai derapat pe polei. Ce acoper\u0103 RCA-ul \u0219i ce r\u0103m\u00e2ne \u00een sarcina ta - Surdu Asigur\u0103ri<\/title>\n<meta name=\"description\" content=\"Pe polei, RCA-ul pl\u0103te\u0219te prejudiciile f\u0103cute altora, dac\u0103 poli\u021ba e valabil\u0103. Nu repar\u0103 ma\u0219ina ta. 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