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\u041a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u041e\u0421\u0410\u0413\u041e\u00a0<\/a><\/div>\n<\/div>\n

Obiect al asigur\u0103rii<\/strong> obligatorii de r\u0103spundere civil\u0103 auto (AORCA) \u00eel constituie r\u0103spunderea civil\u0103 a posesorului de autovehicul pentru orice pagub\u0103 sau v\u0103t\u0103mare corporal\u0103 produs\u0103 prin accident de autovehicul \u00een limitele teritoriale ale Republicii Moldova.<\/p>\n

Riscurile acoperite<\/strong>
\n\u00cen cadrul asigur\u0103rii obligatorii de r\u0103spundere civil\u0103 auto, cazul asigurat este accidentul produs de un autovehicul, al c\u0103rui posesor a \u00eendeplinit obliga\u0163ia de asigurare obligatorie de r\u0103spundere civil\u0103 auto, cu cauzarea de prejudicii:<\/p>\n

\n
1.at\u00e2t \u00een timpul deplas\u0103rii, c\u00e2t \u015fi \u00een timpul sta\u0163ion\u0103rii autovehiculului;<\/li>\n
2.\u00een urma desprinderii accidentale, \u00een timpul deplas\u0103rii autovehiculului, a remorcilor, semiremorcilor sau ata\u015felor;<\/li>\n
3.produse de dispozitivele sau instala\u0163iile cu care a fost echipat autovehiculul;<\/li>\n
4.ca urmare a scurgerii, risipirii sau c\u0103derii accidentale a substan\u0163elor, materialelor sau obiectelor transportate;<\/li>\n

5.la urcarea \u00een autovehicul \u015fi la cobor\u00eerea din el.<\/li>\n<\/ul>\n
Pagubele care se repar\u0103 de c\u0103tre asigur\u0103tor<\/strong><\/p>\n
\n
1.Asigur\u0103torul acord\u0103 desp\u0103gubiri dac\u0103 prejudiciile s-au produs din culpa asiguratului sau a utilizatorului de autovehicul, precum \u015fi \u00een cazul \u00een care, la data accidentului:\n
\n
-utilizatorul nu este inclus \u00een contractul de asigurare \u00eencheiat \u00eentre proprietar sau utilizator \u015fi asigur\u0103tor;<\/li>\n
-utilizatorul sau asiguratul nu posed\u0103 permis de conducere de categoria respectiv\u0103;<\/li>\n
-utilizatorul sau asiguratul nu a respectat obliga\u0163iile tehnice legale cu privire la starea \u015fi siguran\u0163a autovehiculului.<\/li>\n<\/ul>\n<\/li>\n
2.\u00cen caz de v\u0103t\u0103mare corporal\u0103 sau deces, desp\u0103gubirile de asigurare se acord\u0103 at\u00e2t pentru persoanele aflate \u00een afara autovehiculului care a produs accidentul, c\u00e2t \u015fi pentru persoanele aflate \u00een acel autovehicul, cu excep\u0163ia utilizatorului s\u0103u.<\/li>\n
3.Membrii de familie ai asiguratului, ai utilizatorului de autovehicul sau ai oric\u0103rei alte persoane a c\u0103rei r\u0103spundere civil\u0103 este angajat\u0103 \u00eentr-un accident de autovehicul \u015fi este acoperit\u0103 prin asigurare obligatorie de r\u0103spundere civil\u0103 auto nu s\u00eent exclu\u015fi, datorit\u0103 acestei leg\u0103turi de rudenie, din r\u00eendul beneficiarilor asigur\u0103rii pentru v\u0103t\u0103m\u0103rile lor corporale.<\/li>\n
4.La avarierea sau distrugerea de bunuri, desp\u0103gubirea de asigurare se acord\u0103 pentru bunurile aflate \u00een afara autovehiculului care a produs accidentul, cu excep\u0163ia celor specificate la art.16, iar pentru bunurile aflate \u00een acel autovehicul, numai dac\u0103 ele nu erau transportate \u00een baza unui raport contractual \u00eencheiat cu proprietarul sau cu utilizatorul autovehiculului, precum \u015fi dac\u0103 nu apar\u0163ineau proprietarului sau utilizatorului r\u0103spunz\u0103tor de accident.<\/li>\n
5.Paguba provocat\u0103 \u00een accident rutier de o remorc\u0103 va fi acoperit\u0103 de asigurarea obligatorie de r\u0103spundere civil\u0103 auto a proprietarului sau utilizatorului de autovehicul doar dac\u0103 remorca:\n
\n
-este tractat\u0103 de acest autovehicul; ori<\/li>\n
-s-a separat de autovehicul \u015fi a continuat s\u0103 se deplaseze.<\/li>\n<\/ul>\n<\/li>\n
6.Pagubele provocate de remorc\u0103 vor fi acoperite de asigurarea obligatorie de r\u0103spundere civil\u0103 auto a proprietarului sau utilizatorului ei dac\u0103 remorca:\n
\n
-nu este tractat\u0103 de autovehicul; sau<\/li>\n
-este separat\u0103 de autovehicul \u015fi sta\u0163ioneaz\u0103.<\/li>\n<\/ul>\n<\/li>\n
7.Prevederea de la alin.(5) se aplic\u0103 \u015fi \u00een cazul \u00een care autovehiculul este tractat \u00een scopul transport\u0103rii lui.<\/li>\n<\/ol>\n
Teritoriul acoperit<\/strong> \u2013 poli\u021ba de asigurare RCA este valabil\u0103 pe \u00eentreg teritoriul Republicii Moldova.<\/p>\n
Termen de valabilitate<\/strong> \u2013 contractul de asigurare RCA se emite pentru un termen de 12 luni. Excep\u021bie fac doar contractele de asigurare \u00eencheiate pentru autovehiculele \u00eenmatriculate \u00een str\u0103in\u0103tate, ce nu de\u021bin Carte Verde, \u00een acest caz, contractul poate fi \u00eencheiat pentru un termen minim de 15 zile, maxim de 12 luni. Totodat\u0103, contractele de asigurare RCA \u00eencheiate pentru utilaj agricol sau sezonier pot avea un termen mai scurt de 12 luni.<\/p>\n
Pentru a \u00eencheia o poli\u021ba de asigurare RCA\u00a0 e necesar:<\/p>\n
\n
1.autovehiculul s\u0103 fie \u00eenmatriculat \/ supus \u00eenmatricul\u0103rii sau \u00eenregistrat \u00een Moldova;<\/li>\n
2.autovehicule \u00eenmatriculate \u00een str\u0103in\u0103tate care se folosesc pe teritoriul Republicii Moldova;<\/li>\n
3.prezentarea datelor din permisul de conducere a persoanelor admise la conducere;<\/li>\n
4.prezentarea documentelor de identificare ale autovehiculului \u2013 certificat de \u00eenmatriculare;<\/li>\n<\/ul>\n
<\/p>\n
Limitele de desp\u0103gubire<\/strong><\/div>\n
<\/p>\n
\n
\n
v\u0103t\u0103m\u0103rile corporale sau decesul:<\/strong><\/p>\n
1 000 000 lei per persoan\u0103
\n5 000 000 lei \u00a0per caz<\/p><\/div>\n<\/div>\n
\n
pagubele materiale<\/strong><\/p>\n
1 000 000 lei<\/p><\/div>\n<\/div>\n
\n
cheltuielile de judecat\u0103<\/strong><\/p>\n
efectuate de c\u0103tre persoana prejudiciat\u0103.<\/p><\/div>\n<\/div>\n
\n
cheltuielile aferente:<\/strong><\/p>\n
ac\u0163iunilor de limitare a pagubelor; de transport; p\u0103strare; expertizei tehnice.<\/p><\/div>\n<\/div>\n<\/div>\n
Excluderi din protec\u0163ia de asigurare. ASIGURATORUL nu acord\u0103 desp\u0103gubiri pentru:<\/strong><\/p>\n
\n
1.Asigur\u0103torul nu acord\u0103 desp\u0103gubiri pentru:\n
\n
-partea din prejudiciu care dep\u0103\u015fe\u015fte limitele desp\u0103gubirilor de asigurare prev\u0103zute la art.14 alin.(2) la data producerii accidentului, indiferent de num\u0103rul persoanelor p\u0103gubite \u015fi de cel al persoanelor r\u0103spunz\u0103toare de producerea pagubei;<\/li>\n
-pagubele produse la locul de munc\u0103 de dispozitivele sau instala\u0163iile montate pe autovehicul, utilizate ca utilaje sau instala\u0163ii de lucru;<\/li>\n
-pagubele produse prin accidente survenite \u00een timpul opera\u0163iunilor de \u00eenc\u0103rcare \u015fi desc\u0103rcare, aceste accidente constituind riscuri ale activit\u0103\u0163ii profesionale;<\/li>\n
-pagubele produse ca urmare a transportului de produse periculoase (radioactive, inflamabile, explozive), acestea din urm\u0103 determin\u00eend sau agrav\u00eend<\/li>\n
-producerea de pagube, dac\u0103 riscul transport\u0103rii unor astfel de produse este supus asigur\u0103rii obligatorii;<\/li>\n
-prejudiciul legat de poluarea mediului din cauza unui accident;<\/li>\n
-pagubele pricinuite de dispari\u0163ia sau distrugerea valorilor mobiliare, banilor, pietrelor pre\u0163ioase, obiectelor din metale pre\u0163ioase \u015fi pietre pre\u0163ioase, obiectelor de art\u0103 \u015fi altor obiecte ale propriet\u0103\u0163ii intelectuale;<\/li>\n
-reducerea valorii bunurilor dup\u0103 repara\u0163ie;<\/li>\n
-pagubele produse prin exploatarea autovehiculelor \u00een cadrul \u00eentrecerilor \u015fi antrenamentelor sportive, organizate \u00een locuri special prev\u0103zute pentru acestea;<\/li>\n
-pagubele produse \u00een situa\u0163iile \u00een care r\u0103spunderea asigur\u0103torului nu \u00eencepuse ori \u00eencetase;<\/li>\n
-prejudiciile produse bunurilor apar\u0163in\u00eend persoanelor fizice sau persoanelor juridice asigurate de r\u0103spundere civil\u0103 auto dac\u0103 au fost provocate de un autovehicul aflat \u00een proprietatea sau utilizarea lor;<\/li>\n
-sumele pe care utilizatorul r\u0103spunz\u0103tor de producerea pagubei este obligat s\u0103 le pl\u0103teasc\u0103 proprietarului, care i-a \u00eencredin\u0163at autovehiculul asigurat, pentru avarierea ori distrugerea lui;<\/li>\n
-sumele de recuperare a pagubei morale rezultate din accident.<\/li>\n<\/ul>\n<\/li>\n
2.Pentru recuperarea daunelor excluse din asigurarea obligatorie de r\u0103spundere civil\u0103 auto conform alin.(1), persoana p\u0103gubit\u0103 este \u00een drept s\u0103 intenteze \u00een instan\u0163\u0103 de judecat\u0103 ac\u0163iune civil\u0103 \u00eempotriva persoanei r\u0103spunz\u0103toare de producerea accidentului.<\/li>\n<\/ol>\n
Legisla<\/strong>\u021b<\/strong>ie<\/strong>
\nContractul de asigurare RCA este reglementat de urm\u0103toarele acte normative:<\/p>\n
\n
Legea Nr. 407 din 21.12.2016 cu privire la asigur\u0103ri; (http:\/\/lex.justice.md\/document_rom.php?id=8A72DED2:D810E610<\/a>)<\/li>\n
Legea Nr. 414 din 22.12.2006 cu privire la asigurarea obligatorie \u00a0 de r\u0103spundere civil\u0103 pentru pagube produse de autovehicule; (http:\/\/lex.justice.md\/document_rom.php?id=7C0C69B3:5BBF1D14<\/a>)<\/li>\n
Codul Civil al Republicii Moldova art.1301-1330.<\/li>\n<\/ul>\n
<\/p>\n
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Desp\u0103gubire RCA, afla\u021bi aici<\/a>.<\/div>\n
<\/p>\n
<\/div>\n
<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"
Asigurarea de r\u0103pundere civil\u0103 auto intern\u0103 Calculator RCA\u00a0 Obiect al asigur\u0103rii obligatorii de r\u0103spundere civil\u0103 auto (AORCA) \u00eel constituie r\u0103spunderea<\/p>","protected":false},"author":1,"featured_media":0,"parent":28,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"yoast_head":"\nAsigurare auto AORC (RCA) 2026 \u00een Chi\u0219in\u0103u \/ Moldova Moldcargo<\/title>\n<meta name=\"description\" content=\"Asigurarea obligatorie de r\u0103spundere civil\u0103 auto RCA (AORC) pentru 2026, comand\u0103 online, rapid, sigur \u0219i avantajos doar pe site-ul nostru.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moldcargo.md\/ru\/asigurari-auto\/aorc\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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