Compulsory insurance of civil liability for damages caused by vehicles
The Civil Auto Liability Insurance Contract (RCA) is concluded under provisions of Law on compulsory liability of civil insurance for damages caused by motor vehicles * no. 414-XVI as of 22.12.2006, for a period of 1 to 12 months, within the limits of the territory of the Republic of Moldova.
In the compulsory civil auto liability insurance, the insured case is the accident produced by a motor vehicle whose owner fulfilled the obligation of compulsory civil auto liability insurance and cased the following damages:
- During driving the car or the latter being parked;
- Occurred as a sequence of occasional disconnection of a trailer or semi-trailer or other types of trailers during driving the car;
- Provoked by installations or devices with which the car has been equipped;
- Caused as a result of leakage, scattering or occasional fall of shipped substances, materials or goods;
- Occurred during boarding or leaving the motor vehicle.
(1) The Insurer shall not indemnify:
a) The part of damage that exceeds insurance liability limits specified in article14 paragraph (2) on the date of road accident occurrence, independent from the number of wronged persons and number of persons responsible for the occurrence of the damage;
b) Damages caused at the working place by devices or installations assembled on the motor vehicle and used as a working equipment or device;
c) Damage caused by accidents occurred during loading and unloading operations, these accidents constituting risks of professional performance;
d) Damage resulting from shipping dangerous substances (radioactive, inflammable, explosives) if the latter determine or aggravate production of damages if the risk of their transportation is liable to compulsory insurance;
e) Damage related with environment contamination as a result of an accident;
f) Damages caused by loss or destruction of securities, money, precious stones, items with precious metals and stones, items of art and other intellectual property;
g) Property value reduction after repair;
h) Damage caused when using the motor vehicle in sport competitions and trainings in special arranged relevant places;
i) Damage caused under situations when Insurer’s liability either has not yet commenced or has already terminated;
j) Damage caused to property of natural or legal persons that concluded the contract of motor civil liability insurance if it has been caused by the motor vehicle owned by them;
k) the amounts, the car user responsible for the damage, is obliged to pay to the owner who allowed to use the ensured motor vehicle for damage or destruction of the vehicle;
l) amounts of money to be paid for compensating the moral damage caused as a result of the road accident.
(2) For recovering the damages excluded from the motor civil liability insurance under paragraph (1), the wronged person has the right to initiate in the court a civil action against the person responsible for the occurrence of the accident.
a) of MDL 1000000 lei – for damage or destruction of property, regardless of the number of persons prejudiced in a road accident;
b) of MDL 1000000 lei – for each prejudiced person in case of bodily injuries or death, but no more than MDL 5000000 lei, regardless of the number of persons damaged in a road accident.
In case when in the same event were prejudiced more persons and the total value of the prejudice exceeds the limits of compensation specified in the RCA Contract, the compensation shall be established depending on the share of the value of the prejudice caused to each person entitled to compensation for the damages suffered in the same accident.