Ascultă Radio România Actualitaţi Live

The record of car damages, available since September 15

People who own mandatory car insurance will have access, starting the 15th of September, to the data regarding their record of past damages.

The record of car damages, available since September 15

Articol de Paul Poteraşi, 07 Septembrie 2012, 10:37

People who own mandatory car insurance(RCA) will have access, starting the 15th of September, to the data regarding their record of past damages, which is available in the specialized Insurance Surveillance Commission(CSA) database.

In the light of a recent decision that was taken, the Board of ISC makes it easier to apply the bonus-malus system and facilitates the access to information regarding their damages for people who have insurances.

"Therefore, starting the 15th of September 2012, people who use mandatory car insurances will have access to information regarding the record of their past damages, which is available in the CEDAM database", we find from one of the institution's communique.

Insurance bonuses offered by the mandatory car insurance depend on the record of damages that the user of a car with insurance has in a reference period, as the current laws regarding the bonus-malus system say.

Also, a method has been implemented, which enables the insurance companies to query the CEDAM database in order to find out the record of past damages of the potential clients by using the web service associated with the bonus-malus system.

The Insurance Surveillance Commission is responsible for the maintenance and administration of the CEDAM database.

The institution has no right to alter this data.

The data available in this database is centralized from the insurance companies, the rightful owners of the data.

Responsible for the collecting, transcription, uploading and modifying the mandatory car insurance policies are only the insurance companies.

What does a "bonus-malus system" mean?

The bonus-malus system's foundation is the intention of separating the cautious drivers from those who are undisciplined.

The bonus-malus system has two orientations, as its name implies.

When applied, a driver can be punished (Malus), in case of having damages and many accidents, or, to the contrary, can be paid(Bonus), in case of succeeding to avoid any damages while driving, in which situation we turn to the price of the insurance.

Each segment, Bonus and Malus, has several ranks, which are set depending on the driver's record behind the wheel.

Therefore, there are 14 ranks of Bonus, from B0-0% to B14-50%, and 8 ranks of Malus, from M1+5% to M8+100%(in this case, the driver pays double for the mandatory car insurance).

Translated by Alex Neagoe
MTTLC, Bucharest University

Romania will receive European funding for a project carried out by Romarm together with Germany
News in English 16 Martie 2024, 19:09

Romania will receive European funding for a project carried out by Romarm together with Germany

Romania will receive €47 million for a project run by Romarm together with Germany. This is the largest ever funding...

Romania will receive European funding for a project carried out by Romarm together with Germany
The Force of the Right complains about the refusal of Central Electoral Bureau membership for its representative
News in English 16 Martie 2024, 19:08

The Force of the Right complains about the refusal of Central Electoral Bureau membership for its representative

The Force of the Right denounces what it calls "the incredible abuse committed against opposition political parties...

The Force of the Right complains about the refusal of Central Electoral Bureau membership for its representative
BeMassif electronic music festival
News in English 16 Martie 2024, 19:08

BeMassif electronic music festival

The electronic music festival "BeMassif" is in full swing in Poiana Brasov. More than 50 Romanian and foreign...

BeMassif electronic music festival
The Central Electoral Bureau for the European parliamentary and local elections has been established
News in English 16 Martie 2024, 19:07

The Central Electoral Bureau for the European parliamentary and local elections has been established

On Saturday, the Central Electoral Bureau for the 9 June elections, Europarliamentary and local elections, was constituted....

The Central Electoral Bureau for the European parliamentary and local elections has been established
Romania becomes first NATO country to use South Korean air defence systems
News in English 15 Martie 2024, 00:36

Romania becomes first NATO country to use South Korean air defence systems

Romania's army will receive the first portable anti-aircraft missile systems bought from South Korea this year. Romania...

Romania becomes first NATO country to use South Korean air defence systems
Gaudeamus Radio Romania Book Fair opened its doors in Craiova, in the foyer of the National Theatre "Marin Sorescu"
News in English 13 Martie 2024, 19:34

Gaudeamus Radio Romania Book Fair opened its doors in Craiova, in the foyer of the National Theatre "Marin Sorescu"

The Gaudeamus Radio Romania Book Fair in Craiova officially opened its doors in the foyer of the Marin Sorescu National...

Gaudeamus Radio Romania Book Fair opened its doors in Craiova, in the foyer of the National Theatre "Marin Sorescu"
President Klaus Iohannis is running for NATO Secretary General
News in English 12 Martie 2024, 22:10

President Klaus Iohannis is running for NATO Secretary General

President Klaus Iohannis is running for NATO Secretary General - that is the official announcement he made this afternoon in...

President Klaus Iohannis is running for NATO Secretary General
Alina Gorghiu signed a declaration with her Italian counterpart on the implementation of European arrest warrants
News in English 12 Martie 2024, 22:09

Alina Gorghiu signed a declaration with her Italian counterpart on the implementation of European arrest warrants

Justice Minister Alina Gorghiu signed a joint declaration in Rome with her Italian counterpart Carlo Nordio on closer...

Alina Gorghiu signed a declaration with her Italian counterpart on the implementation of European arrest warrants