Compulsory internal third-party car liability insurance (MTPL)

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• vehicle registration certificate;
• if the property belongs to an individual, an identity card will be required;
• if applicable, other documents proving the right to possess the vehicle (power of attorney, rental contract, leasing contract, etc.).

In case of an insured event (traffic accident) where you are the injured party, take the following steps:

• mandatory: notify the Patrol Inspectorate to ensure proper documentation of the causes and circumstances of the accident, as well as its consequences;
• take as many photos and videos as possible at the accident site, including images of the damaged parts resulting from the accident;
• inform the insurance company about the traffic accident as soon as possible – preferably in writing;
• request the insurance company to inspect the damaged vehicle and prepare a damage report, and at the same time, inform you about the necessary documents to be submitted for the proper settlement of the damage claim;
• suppose the insurance company offers a compensation amount below the legal limit and you disagree with it. In that case, you are entitled not to sign the compensation document, noting that you do not agree with the amount. Objections regarding the compensation amount should be communicated to the insurer in writing within 5 calendar days, registering the request with the insurance company.

What does the MTPL insurance cover?

The insurance company must compensate the damages caused to the injured party by an accident involving a vehicle whose owner and/or user has fulfilled the mandatory MTPL insurance obligation, covering the following damages:

• both during in motion and while the vehicle is stationary;
• due to accidental detachment of trailers, semitrailers, or attachments while the vehicle is in motion;
• caused by devices or installations with which the vehicle was equiped;
• as a result of the spillage, leackage, or accidental falling of substances, materials, or objects being transported.

The following expenses are also covered:

• bodily injury or death;
• material damages;
• vehicle repair costs;
• legal costs borne by the injured party;
• other expenses provided by Law No. 106/2022 on mandatory car liability insurance for damages caused by vehicles.

*FRIENDLY ACCIDENT REPORT

What does a Friendly Accident Report mean?

Amicable settlement is the simplified and voluntary procedure for documenting a motor vehicle accident by drivers filling in and signing the "Amicable settlement of accident" form. The parties, by mutual agreement, fill in the form (following the instructions on the back of the form), and within 48 hours notify the insurer of the driver at fault in order to open the damage file and claim compensation. It is advisable for both parties to present themselves at the premises of the insurer of the at-fault driver.  

IMPORTANT: Cases can only be documented using the Friendly settlement procedure in the case of accidents with insignificant material damage (up to 15000 lei), no injuries and no victims.

If you choose the friendly accident report option, please ensure that the procedure meets all of the following conditions:

1. You must physically possess the standardized form provided when purchasing the insurance.
2. No victims or bodily injuries result from the accident
3. Only TWO vehicles are involved in the accident.
4. The accident resulted in minor material damages, less than 15,000 MDL;
5. At the time of the accident, both participants musr hold valid MTPL insurance, issued at least 24 hours before the accident occured;
6. Both drivers must consent to document the accident using the friendly accident report procedure, and the person responsible must be identified.
7. High-quality from all angles of the accident scene must be provided

*The parties involved in the accident have the technical ability to record video/photos of the accident site or to record witness details (if any).

REMINDER: If the conditions above are not met for the friendly accident report, you must contact the Patrol Inspectorate to register the case and prepare the necessary documents!

Law 106/2022 on compulsory motor liability insurance for damage caused by vehicles.