{"id":2787,"date":"2023-07-24T14:32:22","date_gmt":"2023-07-24T14:32:22","guid":{"rendered":"https:\/\/beyondlegal.ro\/?page_id=2787"},"modified":"2023-10-28T20:47:45","modified_gmt":"2023-10-28T20:47:45","slug":"avocat-dreptul-asigurarilor","status":"publish","type":"page","link":"https:\/\/beyondlegal.ro\/en\/avocat-dreptul-asigurarilor\/","title":{"rendered":"Avocat dreptul asigurarilor \u2705 RCA"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2787\" class=\"elementor elementor-2787\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e73df77 e-flex e-con-boxed e-con e-parent\" data-id=\"e73df77\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-70523e5 e-con-full e-flex e-con e-child\" data-id=\"70523e5\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa301a3 elementor-widget__width-inherit exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-ucaddon_gradient_underline_text_effect\" data-id=\"fa301a3\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"ucaddon_gradient_underline_text_effect.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Gradient Underline Text Effect -->\n<style>\/* widget: Gradient Underline Text Effect *\/\n\n#uc_gradient_underline_text_effect_elementor_fa301a3\n{\n  text-align:left;\n}\n#uc_gradient_underline_text_effect_elementor_fa301a3 .underline--magical {\n  background-image: linear-gradient(120deg, #F8773C 0%, #79AF9F 100%);\n  background-repeat: no-repeat;\n  background-size: 100% 0.2em;\n  background-position: 0 88%;\n  transition: background-size 0.25s ease-in;\n}\n#uc_gradient_underline_text_effect_elementor_fa301a3 .underline--magical:hover {\n  background-size: 100% 88%;\n}\n\n<\/style>\n\n<div id=\"uc_gradient_underline_text_effect_elementor_fa301a3\" class=\"gradient_underline_text_effect\" style=\"color:#1D1F45;\">\n<span class=\"beginning_text\" style=\"color:;\">immigration<\/span> \n<span class=\"underline--magical\" style=\"color:;\">asigur\u0103rilor.<\/span> \n<span class=\"ending_text\" style=\"color:;\"><\/span>\n<\/div>\n<!-- end Gradient Underline Text Effect -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a15ba5b ob-harakiri-inherit exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"a15ba5b\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\"><strong>Ce reprezint\u0103 dreptul asigur\u0103rilor?<\/strong><\/p><p style=\"text-align: justify;\">Serviciile noastre din domeniul asigur\u0103rilor privesc rela\u021bia dintre persoanele (fizice sau juridice) \u0219i societ\u0103\u021bile de asigur\u0103ri. Av\u00e2nd \u00een vedere preponderen\u021ba contractelor de asigurare \u00een activitatea persoanelor juridice, dar \u0219i \u00een via\u021ba persoanelor fizice, acest domeniu tinde s\u0103 devin\u0103 unul tot mai important.<\/p><p style=\"text-align: justify;\">Subliniem c\u0103 serviciile noastre din domeniul asigur\u0103rilor se completeaz\u0103 cu cele privitoare la <strong><a href=\"https:\/\/beyondlegal.ro\/avocat-accidente-produse-defecte\/\">v\u0103t\u0103marea corporal\u0103.<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d62f37 e-flex e-con-boxed e-con e-parent\" data-id=\"6d62f37\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-316c7f0 e-con-full e-flex e-con e-child\" data-id=\"316c7f0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-344ca38 exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"344ca38\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">our services:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4413ba9 elementor-align-left elementor-list-item-link-inline elementor-icon-list--layout-traditional exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-icon-list\" data-id=\"4413ba9\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Consultan\u021b\u0103 \u00een negocierea cu asigur\u0103torii<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Asisten\u021b\u0103 \u00een recuperearea daunelor de la asigur\u0103tor<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Indemniza\u021bii datorate \u00een baza unor asigur\u0103ri de s\u0103n\u0103tate (litgii + consultan\u021b\u0103)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Desp\u0103gubirile datorate \u00een temeiul unor poli\u021be RCA (litigii + consultan\u021b\u0103)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Desp\u0103gubirile datorate \u00een temeiul unor poli\u021be de asigurare pentru r\u0103spundere profesional\u0103 (litigii + consultan\u021b\u0103)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Desp\u0103gubiri \/ indemniza\u021bii datorate \u00een baza unor asigur\u0103ri de bunuri sau persoane<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88a9484 elementor-align-justify elementor-widget__width-inherit elementor-mobile-align-justify elementor-widget-mobile__width-inherit exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-button\" data-id=\"88a9484\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_butterbutton_use_it&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/beyondlegal.ro\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"feather icon-arrow-up-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">request service<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70e6a01 e-con-full e-flex e-con e-child\" data-id=\"70e6a01\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a56b660 exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"a56b660\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">common questions.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31b099d exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"31b099d\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-31b099d\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"31b099d\" data-accordion-type=\"accordion\" data-toogle-speed=\"200\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"ce-fac-n-cazul-n-care-am-avut-un-accident-cu-main-fr-asigurare-rca\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-5211\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">Ce fac \u00een cazul \u00een care am avut un accident cu ma\u0219in\u0103 f\u0103r\u0103 asigurare RCA?<\/span><\/div><div id=\"elementor-tab-content-5211\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"ce-fac-n-cazul-n-care-am-avut-un-accident-cu-main-fr-asigurare-rca\"><p style=\"text-align: justify\">\u00cen cazul \u00een care vina apar\u021bine celuilalt conducator auto, va trebui s\u0103 te adresezi BAAR (Biroul Asiguratorilor de Autovehicule din Romania).<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"ce-fac-n-cazul-unui-accident-auto\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-5212\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">Ce fac \u00een cazul unui accident auto?<\/span><\/div><div id=\"elementor-tab-content-5212\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"ce-fac-n-cazul-unui-accident-auto\"><ul><li style=\"text-align: justify\">Dac\u0103 \u00een urma accidentului s-au produs <strong>doar pagube materiale\u00a0<\/strong>atunci nu trebuie s\u0103 anun\u021bi Poli\u021bia (cu excep\u021bia cazului \u00een care au fost implicate mai mult de 2 autovehicule) \u0219i <strong>ai posiblitatea de a \u00eencheia constatarea amiabil\u0103<\/strong> cu cel\u0103lalt \u0219ofer. Aceasta poate fi completat\u0103 \u0219i online folosind <a href=\"https:\/\/amiabila.com\">aplica\u021bia oficial\u0103<\/a> lansat\u0103 de BAAR.<\/li><li style=\"text-align: justify\"><strong style=\"font-size: 16px\">\u00a0\u00cen cazul \u00een care p\u0103r\u021bile nu se \u00een\u021beleg<\/strong><span style=\"font-size: 16px\"> este necesar s\u0103 te prezin\u021bi la, \u00een termen de <\/span><strong style=\"font-size: 16px\">24 de ore<\/strong><span style=\"font-size: 16px\"> at <\/span><strong style=\"font-size: 16px\">serviciul rutier<\/strong><span style=\"font-size: 16px\"> competent pentru a declara evenimentul rutier.<\/span><\/li><li style=\"text-align: justify\"><span style=\"font-size: 16px\">Aici se va \u00eencheia ocazie cu care se va \u00eentocmi un<\/span><strong style=\"font-size: 16px\"> proces-verbal de constatare<\/strong><span style=\"font-size: 16px\"> de c\u0103tre un agent constatator al serviciului rutier, proces-verbal prin care se va stabili contribu\u021bia fiec\u0103ruia \u00een producerea accidentului. <strong>Pe baza acestui proces \u2013 verbal, se va deschide<\/strong>\u00a0<strong>dosar de daune<\/strong> la asiguratorul RCA al celui vinovat de producerea accidentului rutier.<\/span><\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"care-este-termenul-de-plat-dac-am-acceptat-suma-propus-de-asigurtor\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-5213\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">Care este termenul de plat\u0103 dac\u0103 am acceptat suma propus\u0103 de asigur\u0103tor?<\/span><\/div><div id=\"elementor-tab-content-5213\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"care-este-termenul-de-plat-dac-am-acceptat-suma-propus-de-asigurtor\"><p style=\"text-align: justify\"><strong>Termenul este de 10 zile de la data accept\u0103rii ofertei de desp\u0103gubire<\/strong>\u00a0\u00een cazul acesta desp\u0103gubirea se pl\u0103te\u015fte de c\u0103tre asigur\u0103torul RCA.<\/p><p>\u00a0<\/p><p style=\"text-align: justify\">De precizat c\u0103 <strong>ave\u021bi dreptul la penalit\u0103\u021bi de \u00eent\u00e2rziere de 0,2% pentru fiecare zi de \u00eent\u00e2rziere<\/strong>, conform art. 21 alin. 4 \u0219i 5 din Legea nr. 132\/2017.<\/p><p>\u00a0<\/p><p style=\"text-align: justify\"><strong>Baz\u0103 legal\u0103:<\/strong> Art.30 din Norma ASF 20\/2017 precum \u0219i Art.21 alin.4 din Legea 132\/2017.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"ce-fac-dac-asigurtorul-rca-nu-pltete-n-termenul-legal\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-5214\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">Ce fac dac\u0103 asigur\u0103torul RCA nu pl\u0103te\u0219te \u00een termenul legal?<\/span><\/div><div id=\"elementor-tab-content-5214\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"ce-fac-dac-asigurtorul-rca-nu-pltete-n-termenul-legal\"><p style=\"text-align: justify\">\u00cen acest caz, ave\u021bi dreptul la<strong> penalit\u0103\u021bi de \u00eent\u00e2rziere de 0,2%<\/strong> pentru fiecare zi de \u00eent\u00e2rziere, conform celor stipulate la art.21 alin.4 \u0219i 5 din Legea 132\/2017 dup\u0103 cum urmeaz\u0103:<\/p><p style=\"text-align: justify\">\u00a0<\/p><p style=\"text-align: justify\"><strong>Art. 21. &#8211;<\/strong>\u00a0<strong>\u00a0(5)<\/strong>\u00a0Dac\u0103 asigur\u0103torul RCA nu \u00ee\u015fi \u00eendepline\u015fte obliga\u0163iile \u00een termenul prev\u0103zut la\u00a0<a href=\"1632585%20199657572\">alin. (4)<\/a>\u00a0sau \u015fi le \u00eendepline\u015fte defectuos, inclusiv dac\u0103 diminueaz\u0103 nejustificat desp\u0103gubirea sau \u00eent\u00e2rzie achitarea desp\u0103gubirii, acesta este obligat la plata unor penalit\u0103\u0163i de 0,2% pe zi de \u00eent\u00e2rziere calculate la nivelul sumei de desp\u0103gubire cuvenit\u0103 sau la diferen\u0163a de sum\u0103 neachitat\u0103. Plata penalit\u0103\u0163ilor se face odat\u0103 cu plata desp\u0103gubirii.\u201d<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"n-ce-alte-situaii-pot-obine-penaliti-de-ntrziere-de-la-asigurtorul-rca\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-5215\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">\u00cen ce alte situa\u021bii pot ob\u021bine penalit\u0103\u021bi de \u00eent\u00e2rziere de la asigur\u0103torul RCA?<\/span><\/div><div id=\"elementor-tab-content-5215\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"n-ce-alte-situaii-pot-obine-penaliti-de-ntrziere-de-la-asigurtorul-rca\"><div class=\"page\"><div class=\"layoutArea\"><div class=\"column\"><p style=\"text-align: justify\">Conform art. 21 alin 5 din Legea nr. 132\/2017, <strong>asigur\u0103torul pl\u0103te\u0219te 0,2% penalit\u0103\u021bi pe zi de \u00eent\u00e2rziere<\/strong> calculate la nivelul desp\u0103gubirii sau la diferen\u021ba de sum\u0103 neachitat\u0103 \u00een <strong>urm\u0103toarele cazuri:<\/strong><\/p><p>\u00a0<\/p><ul><li style=\"text-align: justify\">asigur\u0103torul RCA \u00ee\u015fi \u00a0\u00eendepline\u015fte defectuos obliga\u021biile sale<\/li><li style=\"text-align: justify\"><strong>dac\u0103 diminueaz\u0103 nejustificat desp\u0103gubirea<\/strong><\/li><li style=\"text-align: justify\">or <strong>\u00eent\u00e2rzie achitarea desp\u0103gubirii<\/strong><\/li><\/ul><\/div><\/div><\/div><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\" \" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-5216\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">C\u00e2t dureaz\u0103 p\u00e2n\u0103 m\u0103 programeaz\u0103 asigur\u0103torul la constatare \u0219i ce presupune aceast proces?<\/span><\/div><div id=\"elementor-tab-content-5216\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\" \"><p style=\"text-align: justify\">Constatarea daunelor se efectueaz\u0103 \u00een <strong>3 zile lucr\u0103toare<\/strong> de la <strong>data aviz\u0103rii<\/strong> sau la o dat\u0103 ulterioar\u0103 convenit\u0103 \u00eempreun\u0103 cu asigur\u0103torul . (conform prevederilor art. 18, 19, 21 alin.1, art. 37, 38 respectiv 39 din Norma ASF 20\/2017 care reglementeaz\u0103 acest proces).<\/p><p>\u00a0<\/p><p style=\"text-align: justify\"><strong>Data aviz\u0103rii<\/strong> este data la care asigur\u0103torul deschide dosarul de daun\u0103, proced\u00e2nd la:<\/p><ul><li>efectuarea constat\u0103rii prejudiciilor \u015fi evaluarea <span style=\"text-decoration: underline\">ini\u0163ial\u0103<\/span> a daunelor;\u00a0<\/li><li>informarea \u00een scris a p\u0103r\u0163ii prejudiciate cu privire la documentele care trebuie depuse pentru solu\u0163ionarea preten\u0163iilor de desp\u0103gubire;\u00a0<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"ce-costuri-de-transport-mi-achit-asigurtorul-avnd-n-vedere-c-nu-mai-pot-circula-cu-maina-mea\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-5217\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><span class=\"eael-accordion-tab-title\">Ce costuri de transport \u00eemi achit\u0103 asigur\u0103torul av\u00e2nd \u00een vedere c\u0103 nu mai pot circula cu ma\u0219ina mea?<\/span><\/div><div id=\"elementor-tab-content-5217\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"ce-costuri-de-transport-mi-achit-asigurtorul-avnd-n-vedere-c-nu-mai-pot-circula-cu-maina-mea\"><p style=\"text-align: justify\"><strong>Predjudiciile<\/strong> reprezent\u00e2nd consecin\u0163a <strong>lipsei de folosin\u0163\u0103<\/strong> are \u00een vedere fie <strong>\u00eenchirerea unui vehicul similar<\/strong> or<strong> costurile cu transportul.<\/strong><\/p><p>\u00a0<\/p><p style=\"text-align: justify\"><span><strong>Ca regul\u0103,<\/strong> asigur\u0103torul este obligat s\u0103 pl\u0103teasc\u0103 lipsa de folosin\u021b\u0103 \u00een perioada cuprins\u0103 \u00eentre<strong> data constat\u0103rii avariilor<\/strong> \u015fi <strong>data \u00eenaint\u0103rii ofertei de desp\u0103gubire<\/strong>, \u00een situa\u0163ia <strong>daunei totale economice.\u00a0<\/strong><\/span><\/p><p>\u00a0<\/p><p style=\"text-align: justify\">De asemenea, <strong>neefectuarea constat\u0103rii din culpa asigur\u0103torului RCA, \u00een termenul de 3 zile de la data aviz\u0103rii<\/strong><span>\u00a0\u00eendrept\u0103\u0163e\u015fte persoana prejudiciat\u0103 s\u0103 solicite plata desp\u0103gubirii pentru lipsa de folosin\u0163\u0103, <strong>din momentul dep\u0103\u015firii termenului de constatare p\u00e2n\u0103 la data efectu\u0103rii acesteia.\u00a0<\/strong><\/span><\/p><p>\u00a0<\/p><p style=\"text-align: justify\"><strong>Pentru detalii:<\/strong> A se vedea art. 11 alin.2 , lit. d din Legea 132\/2017 precum \u0219i art. 25 din Norma ASF 20\/2017.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f54863b e-con-full e-flex e-con e-parent\" data-id=\"6f54863b\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3ea4facb e-con-full e-flex e-con e-child\" data-id=\"3ea4facb\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-547e334a e-con-full e-flex e-con e-child\" data-id=\"547e334a\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d268883 e-flex e-con-boxed e-con e-child\" data-id=\"d268883\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-587b76af e-con-full e-flex e-con e-child\" data-id=\"587b76af\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c31a265 elementor-widget__width-auto ob-harakiri-inherit exad-sticky-section-no exad-glass-effect-no elementor-invisible ob-has-background-overlay elementor-widget elementor-widget-heading\" data-id=\"c31a265\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;pulse&quot;,&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_harakiri_text_clip&quot;:&quot;none&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Further questions?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68582e4 elementor-widget__width-initial ob-harakiri-inherit exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-text-editor\" data-id=\"68582e4\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_use_harakiri&quot;:&quot;yes&quot;,&quot;_ob_harakiri_writing_mode&quot;:&quot;inherit&quot;,&quot;_ob_postman_use&quot;:&quot;no&quot;,&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We welcome <strong>you to contact us<\/strong>, by any means of communication, <strong>anytime<\/strong>, <strong>anywhere.<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40018f33 e-con-full e-flex e-con e-child\" data-id=\"40018f33\" data-element_type=\"container\" data-settings=\"{&quot;_ob_use_container_extras&quot;:&quot;no&quot;,&quot;_ob_column_hoveranimator&quot;:&quot;no&quot;,&quot;_ob_glider_is_slider&quot;:&quot;no&quot;,&quot;_ob_column_has_pseudo&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76ca2cbb exad-sticky-section-no exad-glass-effect-no ob-has-background-overlay elementor-widget elementor-widget-qi_addons_for_elementor_info_button\" data-id=\"76ca2cbb\" data-element_type=\"widget\" data-settings=\"{&quot;_ob_widget_stalker_use&quot;:&quot;no&quot;,&quot;_ob_poopart_use&quot;:&quot;yes&quot;,&quot;_ob_shadough_use&quot;:&quot;no&quot;,&quot;_ob_allow_hoveranimator&quot;:&quot;no&quot;}\" data-widget_type=\"qi_addons_for_elementor_info_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a class=\"qodef-shortcode qodef-m qodef-qi-info-button qodef-html--link qodef-layout--outlined qodef-type--icon-boxed qodef-icon--right qodef-hover--icon-move-diagonal\" href=\"https:\/\/beyondlegal.ro\/contact\/\" target=\"_self\">\n\t<div class=\"qodef-m-text-holder\">\n\t\t<span class=\"qodef-m-text\">contact<\/span>\n\t\t\t<\/div>\n\t\t\t<span class=\"qodef-m-icon\">\n\t\t<span class=\"qodef-m-icon-inner\">\n\t\t\t<i aria-hidden=\"true\" class=\"feather icon-arrow-up-right\"><\/i>\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"feather icon-arrow-up-right\"><\/i>\t\t\t\t\t<\/span>\n\t<\/span>\n<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"unlimited-elements-background-overlay\" data-forid=\"547e334a\" data-location=\"back\" style=\"display:none\">\n\t\t\t<template>\n\t\t\t\n<!-- start Animated Gradient Background -->\n<style>\/* widget: Animated Gradient Background *\/\n\n#uc_gradient_animation_bg_addon31282 {\n\tbackground: linear-gradient(110deg, #F8773C, #EFD3A8, #79AF9F, #6D567E);\n\tbackground-size: 400% 400%;\n\tanimation: uc_gradient_animation_bg_addon31282gradient 15s ease infinite;\n\tposition:absolute;\n\ttop:0px;\n\tleft:0px;\n\tbottom:0px;\n\tright:0px;\n}\n\n@keyframes uc_gradient_animation_bg_addon31282gradient {\n\t0% {\n\t\tbackground-position: 0% 50%;\n\t}\n\t50% {\n\t\tbackground-position: 100% 50%;\n\t}\n\t100% {\n\t\tbackground-position: 0% 50%;\n\t}\n}\n\n<\/style>\n\n<div id=\"uc_gradient_animation_bg_addon31282\">\n<\/div>\n<script type=\"text\/javascript\"  id=\"ue_script_gradient_animation\">\n\n\/* Animated Gradient Background scripts: *\/ \n\n\n<\/script>\n<!-- end Animated Gradient Background -->\t\t\t<\/template>\n\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>dreptul asigur\u0103rilor. Ce reprezint\u0103 dreptul asigur\u0103rilor? Serviciile noastre din domeniul asigur\u0103rilor privesc rela\u021bia dintre persoanele (fizice sau juridice) \u0219i societ\u0103\u021bile de asigur\u0103ri. Av\u00e2nd \u00een vedere preponderen\u021ba contractelor de asigurare \u00een activitatea persoanelor juridice, dar \u0219i \u00een via\u021ba persoanelor fizice, acest domeniu tinde s\u0103 devin\u0103 unul tot mai important. Subliniem c\u0103 serviciile noastre din domeniul asigur\u0103rilor [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2787","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Avocat dreptul asigurarilor \u2705 RCA | Laurentiu-Paul POP | Avocat Timisoara | beyondlegal<\/title>\n<meta name=\"description\" content=\"Cau\u021bi un avocat specializat \u00een dreptul asigur\u0103rilor sau doar un r\u0103spuns la \u00eentrebarea ta ? 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