What is an RCA auto insurance and why is it important?
RCA (Auto Civil Liability) insurance is a mandatory policy that covers damages caused by you to other people in a car accident. With RCA, you are not compensated—third parties harmed due to your fault are.
In other words, if you hit another car, the RCA auto insurance pays for the repairs to the damaged vehicle and any material damages or bodily injuries of the other traffic participants.
RCA is mandatory for all individuals or legal entities that own a vehicle registered in Romania. It must also be purchased by drivers traveling in Romania with a foreign-registered vehicle if that vehicle doesn’t already have a valid RCA insurance issued in its country of origin.
Not having a valid RCA policy leads to fines from 1000 to 2000 lei, suspension of the registration certificate and license plates, along with the obligation to pay compensations.