adevarul.ro/adevarul-juridic/asiguratorul-rca-refu

If an RCA insurer refuses or offers insufficient compensation after an accident, claimants can take specific actions to contest the decision. It's crucial to understand the basis of the insurer's refusal, whether it's liability, connection to damages, or repair costs. Request a written explanation for the refusal or the compensation offer, including detailed calculations and justifications for any discrepancies. To contest, submit a written complaint to the insurer with relevant documents and evidence. If necessary, escalate the issue to the Financial Supervisory Authority or utilize the SAL-Fin alternative dispute resolution mechanism. Legal action remains an option for seeking compensation or penalties if conditions are met.