Replacement Car on RCA - Benefit from a free replacement car during the entire repair period
Have you been involved in a road accident where you're not at fault? We offer you a free replacement car for the duration of your car's repair. This service is fully covered by the insurance of the at-fault party and is available anywhere in Romania, with no mileage limit.
What you need to know about the replacement car:
According to the latest regulations (Norm 18/2022), if your car is damaged and not considered a total loss, you have the right to a replacement car while your car is in the repair shop. Here are the situations where it applies:
- You will receive a replacement car from the moment you report the damage until the insurer evaluates the damages if your car is no longer functional.
- The period needed to get your car into repair is covered, which should not exceed three business days from the evaluation of the damages.
- You will have the necessary time for the actual repair of your car in an authorized auto repair shop, from the date of submitting the required documents until the completion of the repair.
To benefit from this service, the mandatory RCA insurance policy of the at-fault party must be active after September 8, 2022, when the new regulation came into effect.
Frequently Asked Questions:
- What documents do I need for the replacement car?
Proof of damage notification, amicable report or police report, entry/exit report from the service, copies of the registration certificate, identity card, and driver's license.
- Do I have to pay for the replacement car?
No, there are no costs for you. The costs are covered by the insurer of the at-fault party.
- How long can I use the replacement car?
Depending on the situation, from the moment you report the damage until the completion of the repairs or until you receive a compensation offer in case of a total loss.
- What happens if I damage the replacement car?
You need to report the incident and obtain the necessary documents for repair.
- Are there restrictions on the service center for repairing the car?
No, you have the freedom to choose the desired service center for repair.
- What type of car will I receive?
A car from a class similar to yours, from a diverse and modern fleet.
- Is it important where the at-fault party's RCA insurance is held?
No, as long as the RCA is issued by an authorized company in Romania.
- When can I receive the replacement car?
As soon as you can provide all the necessary documents.
The right to a replacement car is stipulated in Norm 20/2017, article 25, amended by Norm 18/2022, which details the compensation for the loss of use of the damaged vehicle, including its temporary replacement.
Loss of Use
- Compensation owed to injured parties, as a result of the consequences of the loss of use of the damaged vehicle, including the temporary replacement with a vehicle from a similar or lower class to the damaged one, rented from entities authorized for this purpose, is determined based on justifying documents that prove the damage suffered due to the inability to use the damaged vehicle.
- The period for which compensation is granted as a result of the consequences of the loss of use of the damaged vehicle, including its temporary replacement with a vehicle from a similar or lower class to the damaged one, rented from entities authorized for this purpose, is the period during which the owner can proceed with its repair when the vehicle can no longer be used from a technical point of view, according to paragraphs (3)-(6).
- In the case of vehicles that are damaged and are no longer technically usable, falling into the category of total economic loss and are not repaired, the period for which compensation is granted as a result of the consequences of the loss of use of the damaged vehicle, including its temporary replacement with a vehicle from a similar or lower class to the damaged one, rented from entities authorized for this purpose, is the period between the date of reporting the damage and the date on which the RCA insurer submits a compensation offer.
- The period between the date of reporting the damage and the date of finding the damage by the RCA insurer can be invoked by the injured party only if it allows the RCA insurer access to the damaged property and ensures the necessary conditions for the assessment of the damage.
- The period provided for in paragraph (3) is extended correspondingly by the period during which the vehicle cannot be put into repair when the RCA insurer carries out additional investigations.
Contact us for an offer tailored to your needs: