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RCA claims support
RCA Claims — Full Assistance
RCA claim support — documents, repair assessment and clarification of claim terms before work begins. If you are not at fault, we guide you in dealing with the other driver’s insurer or your own insurer when the direct-settlement option applies.
What Is RCA Insurance
RCA is mandatory insurance that compensates proven damage caused to third parties. If you are the injured party, the claim may include:
- Documented costs to restore the vehicle to its pre-accident condition
- Your choice of an authorized vehicle repair workshop
- Loss of use, including an eligible temporary vehicle, under legal conditions
- Documented or assessed diminished vehicle value
- Eligible transport when the vehicle cannot be driven
How the Process Works
- 1
Complete the amicable report
At the accident scene, together with the other driver. Or call the police if necessary.
- 2
Bring your vehicle to us
We assess the damage and discuss the claim steps with the relevant insurer, depending on the policy and direct-settlement option.
- 3
Assessment and approval
The insurer sends an expert. We coordinate the process and obtain estimate approval.
- 4
Repair and payment
Before repairs begin, we clarify approved work, whether payment to the workshop is possible and any amount payable by you.
Required Documents
Amicable report signed by both drivers
(Original)
Police report (if applicable)
(Copy or original)
At-fault driver's RCA policy
(Copy — found on the amicable report)
Vehicle registration certificate
(Original)
Owner ID card
(Original or copy)
Photographs of the damage
(From the accident scene)
What is RCA direct settlement?
If you chose direct settlement on your RCA policy and were not at fault, you can claim through your own insurer. All the conditions below must apply.
When it applies
- The accident happened in Romania.
- Both vehicles are registered in Romania.
- Both vehicles had valid RCA insurance when the accident happened.
- Only vehicles were damaged, with no bodily injuries.
The option is voluntary. You can also claim against the at-fault driver’s insurer.
Law 132/2017, Articles 20 and 26 (Romanian)How the workshop repair is paid
Payment from the insurer to the workshop is a separate arrangement from the RCA direct-settlement option. At 4 Levels, we discuss approved work and payment terms before repairs begin.
We confirm with you and the insurer whether payment to the workshop is possible and whether you have any amount to pay. CASCO claims follow the CASCO policy terms, including any excess.
What we confirm before repairs
Terms vary with the claim, policy and insurer approval. We check them with you before work begins.
Repair payment
For eligible claims, the insurer may pay the approved work directly. We confirm any excess or remaining customer payment in advance.
Mobility after an accident
If the vehicle cannot be driven, we check the conditions for transport and loss-of-use compensation before costs are incurred.
Warranty and estimated timing
You receive the work’s quality and warranty documents. We provide an estimate after checking approvals, parts and the required work.
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What Our Clients Say
“Colaborare ușoară, sunt amabili și se mișcă repede cu solicitările.”
“Super profi băieții, rapizi si prețurile sunt chiar competitive.”
Been in an Accident?
Contact us for assessment, documents and repair scheduling. We confirm the claim terms before work begins.