RCA (Motor Third Party Liability Insurance) is a compulsory insurance for all vehicle owners. It covers material damage and bodily injuries caused to third parties as a result of a road accident involving the insured vehicle.
RCA is mandatory because it ensures compensation for injured parties regardless of the financial situation of the at-fault driver and is a legal requirement for driving on public roads.
RCA insurance covers material damage as well as bodily injury or death caused to third parties as a result of a road accident for which the insured driver is at fault. This includes compensation for damage to other vehicles or property, as well as medical expenses and moral damages awarded to injured persons.
In the event of a road accident, it is important to remain calm and ensure the safety of everyone involved. Stop the vehicle, turn on the hazard lights, and if necessary, provide first aid and call the emergency services.
If the accident is minor and there are no injured persons, complete the amicable accident report together with the other driver. In case of more serious damage or if there is any disagreement, the police must be contacted immediately.
After the accident, contact your insurance company or your insurance broker to receive guidance on the next steps and on how to file a claim.
Yes, RCA insurance can be purchased by a person other than the vehicle owner. The important requirement is that the vehicle owner’s details and the vehicle information are correctly indicated in the policy. The person purchasing the insurance does not have to be the owner of the car.
Green Card insurance is an international motor third-party liability insurance required for driving outside the Republic of Moldova in countries that are part of the Green Card system. It covers material damage and bodily injury caused to third parties as a result of a road accident for which the insured driver is responsible while abroad.
The Green Card insurance is valid in all countries that are members of the international Green Card system. The exact list of covered countries is indicated directly on the policy and may vary depending on the terms of issuance.
In general, the policy is valid in most European countries as well as in some non-European states. It is recommended to check the list of covered countries before traveling.
Yes, Green Card insurance is mandatory for driving outside the Republic of Moldova in countries that are part of the international Green Card system. Without a valid policy, border crossing may be denied and the driver may face penalties.
The minimum validity period of a Green Card insurance policy is usually 15 days, while the maximum period can be up to 12 months, depending on the option selected at issuance. The exact validity period is specified in the insurance policy.
If you are involved in a road accident abroad, you should follow local procedures and notify the competent authorities if required. It is important to complete the amicable accident report or any documents requested by the authorities.
Green Card insurance covers damage caused to third parties in accordance with the legislation of the country where the accident occurred. You should also contact your insurance broker or insurance company as soon as possible to receive guidance on the next steps and claim settlement process.
Travel medical insurance is a policy that provides financial protection in case of health-related issues during a trip abroad. Depending on the policy terms, it may cover medical consultations, emergency treatment, hospitalization, medication, emergency medical transportation, and medical repatriation.
In most cases, travel medical insurance is not legally mandatory, but it is strongly recommended. For certain countries or visa applications, having travel medical insurance may be required. It provides financial protection against unexpected medical expenses while abroad.
Travel medical insurance covers, depending on the policy terms, expenses such as medical consultations, emergency treatment, hospitalization, urgent surgical procedures, prescribed medication, diagnostic tests, emergency medical transportation, and medical repatriation. Other services may also be covered, as specified in the insurance contract.
If you need medical assistance while abroad, you should contact the assistance company listed in your insurance policy as soon as possible. The operator will provide instructions and direct you to an appropriate medical facility.
In emergency situations, you may contact local emergency services immediately and then inform your insurer or insurance broker to open a claim. It is important to keep all medical documents and receipts for possible reimbursement.
Travel medical insurance usually does not automatically cover sports or high-risk activities. Such coverage is available only if specifically included through additional options or special extensions.
To ensure coverage while practicing sports or high-risk activities, it is recommended to inform your broker in advance so that the appropriate coverage can be selected.
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