RCA or CASCO insurance refusal in Moldova: practical next steps
Published by Avocat Expert · Republic of Moldova
A refusal, a reduced payment and a delay are different issues. Identify the insurer’s actual decision and supporting documents before challenging it.
Prepared on 29 October 2026
1. Distinguish RCA from CASCO
RCA concerns liability for damage caused to third parties through vehicle use. CASCO is voluntary vehicle insurance for agreed risks. CASCO policy terms do not automatically govern an RCA claim.
2. Request a written explanation
Ask for the specific reason, legal basis or contractual clause and the calculation if the amount is disputed. Keep the initial claim, registration confirmation and replies. A telephone explanation is harder to verify later.
3. Review the file and policy
Compare accident records, photographs, damage inspection, estimates and invoices. For CASCO, check covered risks, exclusions, deductibles and notification duties. Clarify which documents are considered missing; an exclusion cited by the insurer may require further analysis.
4. Choose the appropriate route
Send a reasoned complaint to the insurer. CNPF provides a petition form covering refusal, disputed amounts and delays. A lawyer can assess administrative and court options, evidence and deadlines. Do not assume a petition suspends a court filing deadline; challenging a refusal does not guarantee payment.
Official sources (in Romanian)
General information. Applicable rules and deadlines must be checked against the specific situation and the relevant version of the legislation.