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ORDER
NO.9/2002
For the approval of the NORMS regarding the fulfilment of the law in
respect of the compulsory Third party Liability Motor Insurance and the
authorisation of the insurers to sell such insurance in 2003
ISSUER:
THE INSURANCE SUPERVISING COMMISSION
PUBLISHED IN: THE OFFICIAL GAZETTE NO.882 OF 7TH December 2002
Having
in view the provisions of the article 5,53 and 67 of
the Law no.136/1995 regarding the insurances and reinsurances
in Romania, as altered by the provisions of the article
45 (4) of the law no. 32/2000* regarding the insurance
companies and the supervision of insurance,
Upon the provisions of the article 47(2) and the article 47 (2) k) of
the Law no.32/2000 regarding the insurance companies and the supervision
of insurance
According to the Insurance Supervising Commission decision of 27th November
2002 by which the Norms regarding the fulfilment of the law in respect
of the compulsory third party liability motor insurance and the authorisation
of the insurers to sell such insurance in 2003 were approved,
*Art.
45(4) of the Law no.32/2000 was modified by the Emergency
ordinance of the Government of Romania no.116/2000,
published in the Official Gazette of Romania, Part
I, no.311 of 5th July 2000
The
President of the Insurance Supervising Commission issues
the following order:
Art.
1.
The Norms regarding the fulfilment of the law in respect of the compulsory
Third Party Liability Motor Insurance and the authorisation of the insurers
to sell such insurance in 2003 as it were enclosed in the Annex that
forms integral part of this order are approved.
Art.
2.
The Norms regarding the fulfilment of the law in respect of the compulsory
Third Party Liability Motor Insurance enacted by the Order of the president
of the Insurance Supervising Commission no.8 of 22nd November 2001, published
in the Official Gazette of Romania, Part I, no.765 of 30th November 2001
is hereby abrogated.
Art.
3
The Department of compulsory insurance of the Insurance Supervising Commission
will ensure the fulfilment of the present order's provisions.
The
President of the Insurance Supervising Commission
Nicolae
Eugen Crisan
Annex
no.1
NORMS
regarding the fulfilment of the insurance law in respect of the third
party liability insurance and the authorisation of the insurers
to sell such insurance in 2003.
Upon
the provisions of the articles 5,53 and 67 of the Law
no.136/1995, regarding the insurances and reinsurances
in Romania, as modified by the article 45(4) of the
Law no.32/2000 regarding the insurance companies and
the insurance supervision, as well as the article 47(2)
k) of the Law no.32/2000, The Insurance Supervising
Commission adopts these Norms by which the level of
insurance premiums and their payment dates, the limits
of indemnities correlated with the level of insurance
premiums, the criteria to fulfil , the authorisation
of the insurers and other elements to sell the compulsory
third party liability motor insurance in 2003 are established.
TITLE
I
The
level of insurance premiums, the payment dates and the
limits of indemnities.
Art.
1.
(1) The level of premiums for 2002 is provided for in the annex no.2
(2) It is forbidden for the insurer to collect insurance premiums bellow
those provided for in the annex no.2 with the exception of the cases
mentioned in the article 2(2) and (3).
(3) For the contracting activity of the authorised insurer to sell the
compulsory third party liability motor insurance in other ways than own
permanently employed personnel, the maximum allowed for acquisition expenses
will be:
a) 5% for the insurance agents;
b) 8% for the insurance brokers
The above percentage values will be applied to the premiums collected
according to the paragraph (2).
(4) Failure to observe the provisions of the preset article will be subject
to the immediate withdrawal of the authorisation of the insurance company
to sell the compulsory third party liability motor insurance, according
to the article 8 corroborated with the article 39 of the Law no.32/2000
and the non authorisation for 2004, in case the persons liable for the
non-observance acted by insurer's written order.
Art.2.-
(1) In the case of the persons holding motor vehicles registered or subject
to be registered in Romania, the insurance premiums are paid as follows:
(a) for the motor vehicles already registered as at 31st December 2002,
the premiums will be paid for the whole year 2002 or pro rata, for the
following periods:
- 1st January- 31st December 2003 until 31st December 2002;
- 1st January -31st May 2003 until 31st December 2002
- 1st June - 31st December 2003 until 31st May 2003.
(b) prior to the registration of the motor vehicle in traffic , for the
motor vehicles that are registered / re-registered within 1st January-
31st December 2003;
(c) prior to the issuing of the temporary traffic authorization.
(2). The individuals in pension benefit from a deduction of 20% from
the insurance premiums based upon the pension ticket or the decision
of pension.
(3) The individuals with locomotion deficiencies holding motorcycles
or motor vehicles adapted to their handicap, inclusive of those received
for use will benefit from a deduction of 50% of the insurance premiums.
(4) In the case of non-payment the premium at the due date provided for
in the paragraph (1), the holder of the motor vehicle is deemed uninsured
until the date of the insurance is in force.
Art.3.
For the motor vehicles that are temporarily registered, which are respectively
going to be definitively moved out of the country, as well as in
the case of a provisory issue of an authorization for traffic, the
insurance premiums are calculated monthly and represents 1/10 of
the annual premium provided for in the annex no.2.
Art.4.
For the motor vehicles that are permanently registered in Romania within
the period 1st January-31st December 2003 the insurance premium for
each month or a fraction of a month between the date of the beginning
of the insurer's liability and 31st December 2003, represents 1/10
but no more than annual premium; any pro rata of a month, longer
than 15 days, will be considered an entire month.
Art.5.
(1) For the motor vehicles that are used for seasonal agriculture or
constructions activities which are not used at least consecutive
3 months, the insurance premiums are calculated monthly and represent
1/10 of the annual premium provided for in the annex no.2.
(2) The holders of parks of motor vehicles consisting of at least 10
registered motor vehicles can negotiate the fractional payment of insurance
premiums provided for in the annex no.2, with the insurers authorized
to sell the compulsory third party liability motor insurance.
Art.6.
In the case of the persons entering the Romanian territory driving motor
vehicles registered abroad but not insured or the insurance of which
expires during the during the period of time they are in Romania,
the insurance premiums afferent to the time the uninsured motor vehicles
are within Romanian territory are paid in advance and integrally,
as follows:
a)
compulsorily, at the entrance of the motor vehicle
in Romania, at the border access points, for the persons
that enter Romania driving motor vehicles registered
abroad but not insured;
b) at least in the last day of validity of the insurance documents, at
the offices of the authorized insurers in the respective region of Romania,
for the persons entering Romania driving motor vehicles which insurance
documents expire during the stay in Romania;
Art.7. -
The insurer's liability begins:
a) from the moment of the premium payment and the issuing the insurance
document but not earlier than the date of the insurance getting into
force as inserted in the insurance document for the insured fulfilling
his payment obligations according to the conditions provided for in the
article 2 paragraph 1 a) and the article 6;
b) after 48 hours from the expiring of the day in which the insurance
premium was paid and the insurance document was issued , for the insured
failing to observe his insurance premiums provided for in the articles
2 and 6, respectively for the insured who did not pay the insurance premium
afferent to the respective period in time.
c) from the moment of the insurance premiums payment and issuing the
insurance document but not earlier than the date of the insurance getting
into force, inserted in the insurance document and the date of the provisory
traffic authorisation being issued by the name of the holder for the
insured that observes his insurance premiums payment obligations provided
for in the article 2 paragraph 1 b) and c).
d) in this article the payment of insurance premiums means its payment
in cash or the presentation of the payment order acknowledged by the
bank in which the insurer has his current account.
Art.8.
(1) The insurer's liability ceases at 24.00 hrs of the last day of the
insurance policy 's validity for which the insurance premium due
was paid or, prior this date at the moment of the auto vehicle being
stricken off the traffic.
(2) The onus of proof of paying the premiums belongs to the insured such
as the receipt, payment order or other document proving the payment.
Art.9. -
(1) For the auto vehicles that are stricken off the traffic within 1st
January-31st December 2003 the insurance premium for each month or fraction
of the month within the date of beginning and that of the cease of insurer's
liability represents 1/10 of the annual insurance premium.
(2) The difference between paid insurance premium and that calculated
one as per paragraph (1) is refunded at the written request of the insured,
who will provide the documents proving it and only if indemnity was not
paid or is not due, during the validity period of the insurance.
Art.10.-
(1) In one and the same accident, irrespective the number of persons
that are responsible for it, the insurer will pay indemnity inclusive
for costs incurred to the insured in the civil proceedings within
the following limits:
a) from 1,000,000 up to maximum 800,000,000 irrespective of the injured
parties , in case of loss or damage of the property for direct and mediate
material damages beyond 1,000,000.
b) Up to 200,000,000 for a person but no more than 1.000,000,000, irrespective
of the number of injured party, in case of bodily injury or death, including
the non-pecuniary losses.
(2) The limits of the indemnity mentioned in the paragraph (1) apply
for the bodily injury and property damage occurred by motor vehicles
accidents in 2003.
Art.11.
(1) The insurance policy issued by the insurance companies authorized
to sell this compulsory third party liability motor insurance and
the international insurance documents issued by a foreign insurance
company valid in Romania are the evidence on the existence of the
compulsory third party liability motor insurance, whilst control
is performed by the police in conformity with the article 64 of the
Law no.136/1995*.
--------------------------------------------------------------------------------------------
*Art. 63 and 64 of the law no.136/1995 were modified by the article 12
of the Executive Order of the Government of Romania no.1194 regarding
certain steps referring to the compulsory third party liability motor
insurance
(2)
The insurance policies will be printed in Imprimeria
Nationala S.A. or other printing entities under its
supervision, selected by upon the criteria established
by the Order of the Ministry of Finance nr.1177/1997
according to the Executory Order of the Government
of Romania no.831/1997 for the approval of the of the
model printed common forms regarding the financial
and accounting and the methodological norms for their
drawing up and use. The form, dimensions and the contents
of the policy were approved by the Insurance Supervising
Commission and were sent to "Imprimeria Nationala
S.A.". The series numbers of the insurance policies
will be handed over to the companies that will file
authorisation documentation by cast lots within 5 days
from the date of filing.
Art.12.
The level of fines and other sanctions are provided
for in the article 63 and 64 of the Law no.136/1995 namely:
a) refusal of the commercial company authorized to sell the compulsory
insurance will be subject to a fine from 5,000,000 lei up to 20,000,000
lei with the alternative step of one year suspension of activity as per
article 64 of the Law no. 136/1995;
b) breaching by individuals and legal persons of the obligation to insure
provided for by the articles 48 and 56 of the Law no.136/1995 is subject
to a fine from 1,000,000 lei up to 2,000,000 lei and the withholding
of the auto vehicle's registration Certificate upon the conclusion of
the insurance according to the article 64 of the Law no.136/1995
Title II
The insurers authorization and other elements regarding the sell of compulsory
third party liability motor insurance
Art.13.
The authorization to sell the compulsory third party liability motor
insurance in conformity with the Law no.136/1995 and the subsequent
alterations, will be allowed to the insurer complying with the following
cumulative conditions precedent:
a) to be authorized in conformity with the provisions of the Law no.32/2000
and the subsequent alterations and the Norms no.2/2001 regarding the
information and the documents required to authorise the insurers and
the criteria to approve their significant undertaking and the significant
persons enacted by the Order of the President of the Insurance Supervising
Commission no.2/2001 published in the Official Gazette of Romania Part
I, no.501 of 24th August 2001;
b) prove that they have liquid assets that represent at least the social
capital provided for in the Law no.32/2000 and the subsequent alterations;
c) prove the complying with the provisions of the article 18 of the Law
no.32/2000 referring to the a assets admitted to represent the insurer's
technical reserves afferent to the life and non-life insurances(only
free of warranties assets will be taken into consideration)
d) prove the dispersion of the placement of the assets admitted to represent
the technical reserves afferent to the life and non-life insurances according
to the provisions of the Norms no.6/2001 regarding the categories of
the assets admitted to represent the technical reserves for the non-life
insurances, the rules of dispersion of the placements as well as the
coefficient of liquidities enacted by the Order of the President of the
Insurance Supervising Commission no.1/2002.
e) have a territorial net of at least one unit(branch, agency office),
incorporated with the Register of Commerce in each of the counties of
Romania and the city of Bucharest.
f) have for each local subsidiary its own personnel specialized in the
activity of finding the facts and the liquidation of motor vehicles damages
and to pay indemnity to at least one of the subsidiaries in each County;
g) have an experience of at least 2 years in facultative motor insurance.
h) have adequate hard and soft endowment to allow keeping detailed evidence
regarding the insurance documents and consolidation in due time of the
information and data collected from the territorial units with the view
to creating a database at the national level. Information needed to be
collected and transferred to the database at the national level are those
presented in the annex no.3
Art.14.
(1) In view of being authorized to sell the compulsory third party liability
motor insurance the insurers will present to the Insurance Supervising
Commission following documents:
a) application for authorization to sell compulsory third party liability
motor insurance and the documents out of which arise the complying with
the authorization conditions provided for in the article 13;
b) for the insurers that were not authorised to sell the compulsory third
party liability motor insurance in 2002, a report on the insurance contracts
for the facultative motor insurance in the last two years ( collected
premiums, commissions, indemnities paid, the reserve volume for the outstanding
losses , the number of contracts concluded and the number of the damage
files, out of which those still outstanding)
c) check up balance sheet for non - life and life insurances as of 31st
October 2002 (centralised, synthetic and analytical) and the technical
account afferent to non-life insurances as per the form in the annex
no.4.
d) extract of the Register of commerce to prove the existence of the
territorial units according to the provisions of the article 13 e). For
each unit a list of the specialised personnel, the working structure
needed for the effecting payments of indemnities as well as other useful
information centralised as per the form presented in the annex 5;
e) company's engagement signed by one managing directors in the management
of the company confirming that the present Norms will be observed subject
to fines provided for in the article 39 of the Law no.32/2000, as per
the sample in the annex 6.
(2) If, following examination the documents discrepancies appear, the
Insurance Supervising Commission may ask supplementary information proved
by official acts and justifiable documents, with the subsequent postponement
of the authorisation until all aspect are clarified.
Art.
15.-
(1) The applications for the authorisation together with the afferent
documentation according to the present norms, filed within 5 calendar
days from the date of publication of the present norms in the Official
Gazette of Romania Part I will be settled on the 12th day from this date.
(2) The applications for the authorisation together with the afferent
documentation, according to the present norms filed after 5 calendar
days from the date of the present norms being published in the Official
Gazette of Romania Part I, will be settled within 7 days from the registration
at the registration office of the Insurance Supervising Commission.
Art.
16.-
(1) In appliance of the articles 5 and 53 of the Law no.136/1995, modified
by the article 45(4) of the Law no.32/2000, taking into consideration
elaboration and the publication of the present legislation, the administration
of the authorized insurers' monitoring program and for the relevant protection
of insureds, a quota of 0.88% of the of the insurance premium collected
monthly for the compulsory third party liability insurance is drawn.
(2) The sums so drawn by appliance of the percentage of 0.88% upon the
monthly volume of insurance premium collected will be transferred until
25th day of the next month in the account no.50.0314045240, opened by
the Insurance Supervising Commission with the Treasury of City of Bucharest.
(3) The sums drawn as per paragraph no. (1) afferent to the insurance
premiums collected for the compulsory third party liability insurance
during December 2002, for the financial year 2003 will be transferred
by 25th January 2003.
Art.17 -
(1) The insurers are obliged to draw up monthly evidences for the compulsory
third party liability motor insurance according to the samples presented
in the annexes no. 7.a) and 7 b).
(2) The insurers will send to the Insurance Supervising Commission monthly
reports, until the 30th of the next month following the closed month
upon the mentioned evidences.
Art.18.
-
The Insurer authorized to sell the compulsory third party liability motor
insurance will keep following accounting evidences:
1.The
book keeping for the insurance premium for the compulsory
third party liability insurance collected during the
financial year 2002 for the financial year 2003:
5121 "Current account = 472 "Income registered in advance"
in Banks"
2.
At the beginning of the financial year 2003, will be
evidenced as follows:
4012 "Discounts regarding = 702 "Income from the gross written premiums
insurance premiums regarding the direct general insurances.
gross insurance premiums (distinct analytical)
afferent to written insurances
non life" (distinct analytical)
Concurrently
4742 "Income registered in = 401 "Discounts regarding - with insurance
advance regarding the general insurance premiums premiums
insurances. collected in the
financial year 2002
3.
The evidence of the expenses for commissions paid to
the brokers and the agents of insurance.
4722 "Acquisition expenses = 5442 "Current accounts in banks
reported on account of regarding the general insurances
general insurances" (distinct analytical)
(distinct analytical)
= 5442 "Cash regarding the
insurances
Subsequently
it will be evidenced the distribution of these expenses
602 "Expenses regarding = 4722 "Acquisition expenses
indemnities and services for reported regarding general
general insurances insurances
For
the accounts:
602 "Expenses
regarding losses and the services on account of direct
general insurances"
will
be used following analytical accounts:
- 47222 "Commissions for insurance brokers"
- 47223 "Commissions for the agents of insurance"
- 6021 "Expenses for indemnities and services in connection with
the direct insurances for the insurance brokers"
- 6022 "Expenses regarding the indemnities and services in connection
with the direct insurances for the agents of insurance.
4.
Evidencing the sum transferred in the account of
the Insurance Supervising Commission according to
the article 16(2).
6432 "Expenses on account of = 4472 "Special funds, taxes and
taxes, in payments other assimilated in payments in
assimilated in connection with connection with general insurances
the general insurances (distinct analytical)
(distinct analytical)
4472 "Special funds, taxes and = 54421 "Current accounts in banks
assimilated in payments in regarding the general insurances.
connection with the general (distinct analytical)
insurances
(distinct analytical)
Title
III
The technical Norms regarding the appliance of the compulsory third party
liability motor insurance for 2003
CHAPTER
I.
General
dispositions
Art.19.
The insurers authorized by the Insurance Supervising Commission to sell
compulsory third party liability motor insurance, upon insurance
premiums paid, indemnify the injured third parties for the damages
their insureds are legally bound to make good as a result of the
road accidents caused by auto vehicles within Romanian territory
as well as for the expenses incurred by the insureds in the civil
procedure within the limits provided for in the article 10 (1).
Art.20.
The elements of the third party liability (liability in tort) are comprised
and indemnities are paid when following cumulative conditions are
met:
a) a tortuous act is done by the holder or the driver of the auto vehicle
causing the accident like: breach of the traffic rules , negligent acts
in driving the auto vehicle etc.
b) the existence of a loss for the injured third party;
c) the existence of a causa proxima relation between the loss suffered
by the third party and the tortuous act of the holder or the driver of
the auto vehicle causing the accident;
d) holder's or the drivers fault in doing the tortuous act that caused
the accident; That causing an act voluntarily by negligence or imprudence
is at fault.
Art.21.
The insurers indemnify:
1. irrespective of the place the accident occurred( public roads, roads
that are not opened to traffic for public, within premises and in any
other places) during the drive or the laying up of the insured motor
vehicle;
2. for the losses occurred due by the gears and installations that are
set on the auto vehicles, as well as the damages occurred due to the
hauls medium hauls or attaches to an insured motor vehicle but only during
the periods they are attached to the insured motor vehicle inclusive
of damages produced due to the accidental detaching off the auto vehicles.
3. if the damage was produced by the driver's fault, by the act of the
property ( when the loss is caused in the qualities, the action or the
interaction of the property) through the medium of another goods accidentally
involving the auto vehicle move, by leakage, dissipation or fall of the
substances or the transported goods.
Art.22
(1) In the case the injured party faulty contributed to the accident
occurrence or the increase of the loss, that having the liability
will be held responsible for the part of the loss which is attributable
to him (joint fault). In this case the measure of damage for each
person involved will be that resulting from the documents.
(2) In the case the measure of damage for each person does not arise
out of the documents, this will be ascertained in equal parts for each
party involved in the accident, each having a right to indemnity corresponding
to the part of its non-liability for the accident.
Art.23.-
The insurers will not pay indemnity for:
1. the cases in which the holder or the driver of the auto vehicle has
no civil liability if the accident occurred by:
a. force majeure;
b. exclusive fault of the injured third party;
c. by the exclusive fault of a third party;
2. the losses occurred to the property belonging to insured individuals
or legal persons insured if produced by other auto vehicle belonging
to the same individual or legal person, driven by an agent of the same
legal person or by a person for which the insured individual or legal
person is liable.
3. the losses occurred in the cases in which at the date of the accident
the holder does not discharge the onus of proof with respect to the validity
of the compulsory third party liability motor insurance or the insurer's
liability had not started;
4. the losses valuing less than the minimum of insurance indemnities
provided in the Act in force at the date of the accident's occurrence,
for damaging or destruction of property in one and the same accident
irrespective of the number of the injured parties and the number of the
persons responsible for the loss.
5. the part of the loss going over the maximum limits of insurance indemnities
provided in the Act in force at the date of the accident's occurrence
in one and the same accident irrespective of the number of the injured
persons and the number of persons responsible for the loss;
6. the fines of any kind and the expenses in criminal suit of which the
holder of the auto vehicle is bound to pay as well as the expenses occurred
for the fulfilment of the criminal sentence for the payment of indemnities;
7. the expenses occurred in the criminal proceedings by the holder or
the driver of the insured auto vehicle responsible for the loss even
if the civil part of the criminal proceeding was settled together with
the criminal part;
8. the sums the driver of the auto vehicle, responsible for the loss,
is bound to pay to the holder of the insured auto vehicle that entrusted
it to him for the loss or damage to this auto vehicle;
9. the losses incurred to the persons or their properties that are carried
by the auto vehicle if between the holder of the auto vehicle or the
driver responsible for the loss and the injured persons a contractual
relationships were in force between these persons (civil, commercial,
labour etc , onerous or of gratuitous title).
10. the losses occurring at the working place by the gears and installations
attached to the auto vehicles if they are used as such for the working
purposes;
11. the losses occurred by accidents of the auto vehicles during loading
and unloading operations , these being professional risks;
12. the losses occurred as a result of the carriage of dangerous goods
(radioactive, ionizating , inflammable, explosive, corroding, combustible),
which caused or aggravated the loss;
13. claims regarding the reduction in value of the goods after repairs.
Chapter
II
The notifications and the assertion of losses
Art.24.
(1) The injured third party will address to the insurance company that
concluded the compulsory third party liability motor insurance with the
holder of the auto vehicle responsible for the accident to recover the
indemnities corresponding to the prejudiced caused by the accidents of
auto vehicles.
(2) If the injured party addresses to his property insurer, the assertion
of the losses, the evaluation and the establishment of indemnities effected
with the observance of the present Norms represents the evidence towards
the responsible party's third party liability insurers.
Art.25
(1) Agreement for the establishment of the indemnity upon the parties'
convention is given by;
a) the holder of the auto vehicle responsible for the loss or by its
driver- only in the cases when the recovery of the loss is subject to
the appliance of the article 58 of the Law no.136/1995 - on the documentation
issued by the official public authorities having the right to investigate
the accidents of auto vehicles, upon the notification or the minutes
of finding the losses drawn up by the insurer. This agreement represents
also the notification of the loss for the third party liability insurer
in the sense of the article 59 of the Law no.136/1995;
b) by the injured party (in the case of legal persons, by their representative)
on the minutes of finding of loss drawn up by the insurer in two copies.
(2) In the cases provided for in the paragraph (1), in the case of individuals,
the agreement may be given by the wife of the insured, respectively the
injured party or, in case of impossibility of both spouses (hospitalised,
death, detention, long absence from the place of residence etc.) by anyone
of the following major individuals: children, parents, sisters or brothers
or the husband and/ or wife of those aforementioned.
Art.26.
Opening of the loss file as well as the finding of loss occurrence is
made as well in the cases in which a notification from the insured responsible
for the loss, but the prejudiced party presents proves confirming the
liability of the insured and the causes and the circumstances of the
accident occurrence to his insurer.
Art.27.
(1) The minutes of finding the loss out will be signed by all the parties
taking part in its drawing up.
(2) Possible parties' objections as to the loss finding out will be inserted
in the minutes or in an annex of it.
(3) Possible changes in the contents of the minutes of finding the loss
must be certified by the signature of the same persons that signed it.
(4) If, by dismounting or the repair of the damaged property other losses
occurred as a result of the accident but could not be initially found
out, a supplementary minutes of finding the loss will be drawn up with
the participation of all those persons who took part at the initial finding
of loss.
Art.
28
After the finding of loss having been made the insurer is obliged to
release a copy of the minutes to the prejudiced party indicating the
number of the file of the loss, the spare parts found damaged in the
accident and the technical steps decided (replace or repair).
Art.
29.
The insurers can indemnify the prejudiced party even in the case it proceeded
to the repairs of the damaged auto vehicle prior to the insurers finding
the loss if, the circumstances and the causes of the insurance event
occurring as well as the measure of damage comes out of the documents
in the file. In such circumstances the establishment of damages and the
indemnity will be made upon the data mentioned in the documents drawn
up the police, fire brigade or other public competent authorities, upon
the documentations referring to the repairs' effective cost corroborated
with the prices asked by the specialised entities, written declaration
of the prejudiced party and the witnesses and other proves presented,
corroborated with the insurer's own findings, that arose out of the examinations
of the auto vehicle's repairs and as it is the case, of the possible
component parts or damaged spare parts replaced as well as the investigations
in connection with the accidents dynamics, its place etc.
Chapter III.
The establishment of indemnities
Art.30
The indemnities are established upon the agreement between the insured,
the injured parties and the insurer or, in the case the agreement
was not reached upon the final and irrevocable judgement given in
Romania.
Art.31
(1) The establishment upon the agreement between the insured, the injured
party and the insurer can be made in the cases of which from the
documents concluded by the police, fire brigade or other authorities
having the competence to ascertain and investigate the auto vehicles'
accidents as well as by the notice of insureds, respectively, the
drivers responsible for loss, it results the civil liability for
the loss of the holder or the driver of the insured auto vehicle
and the third party discharge his burden of proof for it.
(2) In the case of damage or the destruction of the goods, the circumstances
and the causes of the auto vehicle or the accident and the loss occurred,
these could be proved by any legal means of proof if the public authorities
have not retained the determining elements with respect to the causes
and the environments of the loss occurrence.
.
Art.32.
The indemnities cannot be established upon the agreement of the insureds,
injured parties and the insurers in the case that:
(1)
the individuals that are claiming indemnities are
the spouse or the individuals under the care of the
holder or the driver of the auto vehicle having been
insured who is responsible for the accident;
(2) the individuals that are claiming bodily injury or death are the
children, the parents, brothers or sisters of the holder or the driver
of the auto vehicle responsible for causing the loss who are not under
the care of these once;
(3) claim for indemnity is made for the lack of use of the damaged or
destructed property for that specific part of indemnity with the exception
of the lack of use of the transport means claimed by an economic agent
having as object of activity paid services of transport of goods or passengers
but only for the standardised time for the repairs of the damages produced
to the auto vehicle. The part of indemnity afferent to the lack of use
is determined taking into calculation the tariffs for the cargo and passenger
carriage used by the injured party at the date of the loss occurrence.
The onus of proof belongs to the injured party and is accepted upon justifying
documents.
(4) Claims are made for the non-pecuniary loss;
(5) Claims are made for value papers, documents, manuscripts, jewellery,
valuable stones, art objects, objects of platinum, gold or silver, stamps,
postage stamps, as well as for the disappearance and the destruction
of money.
(6) Conclusions cannot be traced in connection with the person liable
for the loss, or the circumstances and the cause of the accident as well
as for the value of the damages caused.
Art.33.
In the case that the accident is the object of criminal proceedings,
the indemnities can be established upon the insureds, injured parties
and the insurers in the following situations:
1. According to the law, the may be closed by the parties reconciliation;
2. Even if the criminal judgement was final and irrevocable the establishment
of the civil indemnities would be going to be settled subsequently.
3. Although the criminal proceeding cannot be closed by the parties reconciliation,
following prior cumulative conditions are met:
a. A Public prosecutors' charge was given to instruct the Court to proceed
or from the acts concluded by the public authorities, signed by the holder
or the driver of the auto vehicle liable for the accident without objections,
certainly arises their civil liability, the damages caused as well as
the driver criminal liability which would submit himself to the criminal
proceeding.
b. Agreement was given for the establishment of indemnities by the consent
of the insured, injured party and the insurer;
c. The injured party engage himself in writing to immediately reimburse
the indemnity received, partially or totally depending upon the criminal
judgement as to the act, the wrongdoer and the liability.
d. The driver of the auto vehicle, responsible for the loss engage himself
in writing regarding the recovery of the indemnity in the case of the
provisions of article 58 of the Law no.136/1995 apply.
Art.34
For the indemnity establishment in the case of damage or destruction
of the property, claims made by the injured parties are taken into
account according to the legal provisions referring to the cover
of the loss caused to the property without the difference between
their value at the moment of the accident occurring and the remained
value being exceeded as well as the maximum limit of the insurance
indemnities provided for in the present norms.
Art.35
(1) In the case the value of indemnities to be paid for the damage or
the destruction of properties belonging to more persons in one and
the same accident of auto vehicle, exceeds at the date of the accident
the maximum limit provided for in the normative act in force at the
date of the accident occurring within which the legal costs of the
civil proceeding is included, irrespective of the number of injured
persons and the number of the persons responsible for the loss, the
indemnity is paid within this sum limit, to each injured party proportionally
with the ratio between the maximum limit and the total of the value
of indemnity.
(2) In the case the value of indemnities to be paid for the bodily injury
or the death of more persons in one and the same accident of an auto
vehicle exceeds at the date of the accident occurring, the maximum limit
provided for in the normative act in force at the date of the accident
occurring within which the legal costs of the civil proceeding is included,
irrespective of the number of the injured persons and the number of the
parties responsible for the accident, the indemnities is paid within
this sum limit, proportionally with the injury suffered by the respective
person but not exceeding at the date of the accident occurring the limit
per injured person provided for in the normative act in force at the
date of accident for each injured person in the accident.
A. The assertion of indemnities in the case of damage or destruction
of the auto vehicles/ vehicles.
Art.36.
(1) The indemnities for the auto vehicles can neither go over the value
of damages nor the difference between the value of the auto vehicle
at the date of the accidents and the remained value nor the maximum
value of indemnities provided for in the article 10 paragraph (1)
letter a).
(2) The remained value means the value of those parts of the auto vehicle
undamaged after the accident without it going over 25% of the value of
the auto vehicle.
(3) The value of damage for auto vehicles is equal to the costs of repairs
of the component parts or the damaged spare parts or to their replacement
cost inclusive the expenses for materials as well as those referring
to the dismounting and the mounting afferent to repairs or the respective
replacements as a result of the damages caused by the respective auto
vehicle accident, at the prices of the acquisition specialised units,
after the value of contingent undamaged parts is deducted. The specialised
unit means the legal persons legally authorised, having as an object
of activity, the trade of auto vehicles, component parts, replacing spare
parts and materials for these (with the exception of those in consignation)
and/or performing the maintenance and repair work for the auto vehicles.
(4) Upon the damage of an assembly or a subassembly only the replacement
of a component parts or the spare parts that were damaged are taken into
consideration.
(5) The component parts or spare parts requiring replacement mean only
those the repair or the use of which, even repaired, is not possible
from a technical point of view due to their advanced status of damages
or, though repairable, the costs and the expenses for materials and that
of dismounting and mounting afferent to replacement go beyond the value
as new of the component part or the respective spare part, inclusive
the expenses for materials and those afferent the dismounting and the
mounting of same.
(6) The integral repaint of the auto vehicle is considered admitted when
the damaged parts due to the accident represents more than 50% of the
exterior surface of the respective auto vehicle.
(7) The prices for the component parts, the replacing new spare parts
and the costs of materials, are those of the specialized units.
(8)In the cases in which for the auto vehicles repair the foreign currency
was paid by the holder to directly acquire a component part, spare parts
or materials, the costs of such component part, spare parts or material,
is equal to the costs provided in the presented expenses documents (including
of the transport and custom's expenses, excluding afferent VAT), exchanged
into ROL as per the exchange rate communicated by the Romanian National
Bank on the day of the indemnity payment to the injured person. In these
cases, the costs of component parts, spare parts or the materials to
asses the indemnity will not exceed the sell prices of the specialized
Romanian units, if these are trade in Romania. .
(9) The costs of the repairs carried out for the auto vehicles, is established
upon the documents issued by the "specialised units" observing
the time norms of the producers of the auto vehicle.
(10) In the case the auto vehicles' repairs are carried out by the injured
party 's own means or the payment of indemnity is required prior to the
carrying out of the repairs the relevant costs are assessed by the insurer
and if it is the case on the basis of the justifying documents regarding
the payments effected presented subsequently to the repairs. In such
cases the costs of manual work and the costs of repairs will not exceed,
the trade prices and the tariffs for the manual work pending in the insurers
agreed specialized units, for component parts, spare parts or materials.
(11) If for some component parts or the spare parts of the auto vehicle
there are not current prices at the specialized units, the value as new
is to be established by assimilation with the sell prices offered by
the specialized units for components and spare parts similar to these,
failing which the prices will be established upon the catalogues for
spare parts. In the case the prices are expressed in foreign currency,
the equivalent will be calculated in ROL upon the exchange rate communicated
by the National Bank of Romania at the date of the payment of indemnity.
Art.37.
(1) The auto vehicle's value at the date of the accident occurring will
be made by deducting the relative wear and tear from the value as new.
(2) The method of establishing the value as new and the relative wear
and tear, provided by the present Norms is applied as well in the cases
in which the indemnity is established by judgment.
Art.38.
The" value as new" means:
a) trade price of the specialised units of Romania at the date of the
accident occurring;
b) for the auto vehicles that are not trade in Romania, the corresponding
sale prices from the specialised Catalogues equivalent in lei at the
exchange rate of the exchange market communicated by the national Bank
of Romania at the date of accident occurring;
c) For the types of auto vehicles for which prices are not established
or for the types or the models of auto vehicles that are not any more
manufactured the amounts is established by assimilation with the sale
prices *effective on the day of the accident for the auto vehicles with
similar technical characteristics of the domestic or foreign production..
…………………………………………..
*In the absence of such prices corresponding prices from the specialised
catalogue will be taken into consideration
Art.39.
(1) The wear and tear for the damaged auto vehicle is established by
reference to the age in service, usage and its status of maintenance
at the date of the accident occurring. To determine the wear and
tear the current and capital repairs, inclusive of the replacing
costs of the component parts and the spare parts made before the
accident, to keep the corresponding technical status of the auto
vehicle are taken into consideration. Its value is established upon
the documentations referring to the repairs effective costs or the
respective replacements.
(2) The criteria of establishing the wear and tear in the case of the
damages to the auto vehicle are those provided in the Annex no.1.
Art.40.
The indemnities are also paid for:
1. covering the expenses made for limitation of losses , if it was necessary
as a result of the accident and there are evidence on it;
2. in the case of the auto vehicle that cannot move by its own force:.
a). covering the cost of transportation of the auto vehicle(with the
exception of total loss)to the specialised unit within Romania, closest
to the place of accident capable of effecting the repairs or the closest
place to secure the auto vehicle;
b).costs of transportation to the domicile place of the persons that
effected the voyage in the damaged auto vehicle without exceeding the
tariff provided for the second class train ticket;
c) cost of transportation of the goods on board the auto vehicle including
the trailer/halftrailer traced by it until the destination.
d) the expenses provided above must be proved by justifying documents.
Art.41.
In case of the injured party resident abroad, holding auto vehicle registered
abroad:
1. If the repair was effected abroad, for which the indemnities would
be payable in foreign currency, the cost of repair is that provided for
in the repair documentation, taking into account the damages found out
by the insurer as well as possible supplementary damages found out on
the occasion of the repairs making, if their occurrence was justified
by the accident dynamic;
2. In the case the repair was effected in Romania and the indemnity is
claimed in foreign currency, the calculation of cost of repairs in such
foreign currency is made at the exchange rate communicated by the National
Bank of Romania at the date the injured party paid the repairs invoice;
3.In the case the payment of indemnity is asked before the repairs being
effected, the value of damages is established upon the evaluation retained
by the insurer taking into account the findings retained by the competent
authorities, the inquiries made by the insurer in connection with the
dynamic of the accident and the measure of damage as well, if necessary,
the documents subsequently presented with regard to the payments effectively
made by the injured party. The calculation in foreign currency of the
indemnities established in lei will be made at the exchange rate of the
exchange market communicated by the National Bank of Romania at the date
of the proposal made by the insurer to the injured party and accepted
by it.
4.In case the payment is asked in lei for the indemnity established in
foreign currency, the equivalent in lei will be calculated upon the exchange
rate of the exchange market communicated by the National Bank of Romania
at the date of the insurer proposal to the injured party and accepted
by it.
5. The calculation in foreign currency of the limits of indemnities provided
for in the regulation in force at the date of the accident occurring
is made at the exchange rate of the exchange market communicated by the
National Bank of Romania at the date of the accident.
Art.42
In the cases in which the indemnities will be recovered as per article
58 of the Law no.136/1995, the sum to be recovered represents:
a) the indemnity in lei in the case this was paid in lei by the insurer;
b)the indemnity established and paid in currency equivalent in lei at
the exchange rate of the exchange market communicated by the National
Bank of Romania at the date of the payment being effected by the insurer
.
B.
Assessing the indemnities in the case of the bodily
injury.
Art.43.
Upon the indemnities establishment by the agreement of insureds, the
injured parties and the insurers in case of bodily injury or the
death of persons, following are taken in view:
1. in case of bodily injury:
a) the difference between the net income of the injured person and the
indemnity received from the legal person or the individual, as employers
of the injured person and/or, as it is the case, from the social security
budget, during the hospital treatment and the temporary invalidity off
work.
b) the net average monthly income obtained from the activities performed
by the injured party proved by justifying documents, in the case of the
persons being self employed;
c) the minimum gross salary per economy in the case of the injured persons
being at the date of the accident occurring in the last year of studies
or the qualification for a profession;
d) the possible costs incurred because of the accident ( expenses for
the transportation of the injured person, treatment expenses, hospitalisation
costs, recovery expenses, for prosthesis, additional alimentation according
to medical prescriptions) documented by proves and which are not beard
by the social insurance provided by the law.
e) the intendant's expenses during the invalidity if recommended by the
medical certificate but no more than a minimum salary lever per economy.
2. in the case of death:
a) burial expenses, including the funerary stone as well as those made
by complying with the religious rites, upon justification by documents;
b) proved expenses for the transportation of corps from the place where
the death occurred to the place where the burial will take place, including
those incurred by the embalming; the net unearned income and other possible
expenses that appeared between the date of the accident and the date
of death, provided under the point 1, if these were caused by the accident
occurring.
C.
Assessing the indemnities in case of property damages
or destruction of the goods other than those provided
for the letter A and D.
Art.44
(1) The indemnities paid for the buildings or other property are established
upon the existing market prices at the date of the insurance risk
occurring within the limits provided in the article 10 (1) a)
(2) In the case of the injured party presenting technical documentation
(repair estimations or evaluations) these can be taken into consideration
for the indemnity establishment after prior examination of the insurer.
D.
Assessing the indemnities in the case of injury or
the loss of the animals
Art.45.
(1) The indemnities for the animals are assessed upon the respective
animal's value on the local market at the date of the risk insured
occurring.
(2) The injured party will present a receipt from the local House stating
that he is the owner of the respective animal.
(3) In the case of the animals for which slaughter is necessary and the
meat can be sold, it will be taken into consideration for recovery the
sum received for the meat that was sold.
.
Chapter IV
The payment of indemnities
Art.46.
(1) The insurer will effect the payment of the indemnities at the latest
within 20 calendar days from the date of the filing by the injured
party of the last document needed for the finalisation of the loss
file.
(2) The provisions of the paragraph (1) apply as well in the case the
insurer subrogated in the rights of the injured party according to the
article 22 of the Law no.136/1995, as follows:
a) if there are no objections on the sums asked, these will be paid within
20 calendar days;
b) if there are objections on these sums, these will be communicated
to the applicant within maximum 15 calendar days following by the payment
of indemnity within maximum 20 calendar days if the objections were settled;
3) due to the dates provided for above the third party liability motor
insurer will update the payment with 0.1% for each day of delay in payment.
Art.47.
(1) Together with the collection of indemnity the injured person will
mention that it has been integrally indemnified for the damages sustained
and it has no more claims towards the insurer as regards the respective
loss.
(2) In the case of the insurer effecting the payment directly into the
injured party bank account, this is deemed fully indemnified if within
30 days from the date of the account crediting it did not notify the
possible objections in respect of the sum to the insurer.
Chapter V
Final dispositions
Art.48.
(1) In the case no agreement was reached and the indemnities are established
by judgment, the insurer will indemnify the injured party without
the insured's agreement, upon that judgment final and binding, observing
the provisions of the Law no.136/1995 and the present Norms.
(2) In the case of the bearing periodical financial conscription the
sums established under the conditions provided for in the paragraph (1)
will paid until the reduction or the cease of the state of need or the
disability for work, taking into account the pension decisions, medical
certificates and other evidences proving these situations observing the
maximum indemnity limits provided for by the article (1) b).
Art.49.
In case of the victim's death occurred as a result of the same accident,
after the indemnity covering the bodily injury, as established by
the final and binding judgment was paid, further indemnities can
be paid by the agreement of the parties for the expenses provided
for in the article 43(2).
Art.50.
The agreement between the insureds, the injured persons and the insurers
has a final, unconditional upon, total character and ceases all the
claims arising out of the losses that were or could have been known
at the date of the agreement was reached, for the losses covered
in this way, with the exception of the situation in which, subsequently
to paying the indemnity for the bodily injury, the status of the
victim worsened and the death occurred, as a result of the same accident.
Art.51.
The insurers authorized to sale the compulsory third party liability
motor insurance are obliged to let the insureds know the conditions
regarding this type of insurance provided for in the present Norms.
Art.52.
To ensure the insureds' interest the Insurance Supervising Commission,
through its authorities, examines and settle possible claims received
from the insureds or the individuals or legal persons calling the
insurers services or the insurance brokers, being able to take steps
against those not observing the conditions provided for in the present
norms, according to the article 49.
Art.53.
Upon receipt of indemnity established by agreement the injured person
engage himself in writing by which he undertakes to immediately reimburse
the indemnity received in case the documents concluded by the police,
fire brigades or other authorities having jurisdiction to inquire
accidents of auto vehicles are annulled.
Art.54
The non-observance by the insurance companies of the present Norms can
be sanctioned in conditions and according to the provisions of the
article s 8 and 39 of the Law no.32/2000.
Art.55. The
Annexes no.1, 2, 3,4,5,6,7, and 7 b form an integral
part of the present norms.
Annex No.1 to the Norms
CRITERIA
for the stating the wear and tear in the cases of losses occurred to
the auto vehicles
Art.1.
(1) In view of establishing the auto vehicle's value at the date of the
insured event, the wear and tear is deducted from their value as new.
The wear and tear means that part of the auto vehicle value lost by years
of service.
(2) The wear and tear is calculated by applying a percentage to the value
as new of the auto vehicle at the date of the insured event occurring.
(3) The wear and tear percentage is established upon the rank of using
the auto vehicle expressed in kilometres as well as the years of service
expressed in time units (years), differentiated by the categories of
auto vehicles according to the lists of wear and tear coefficients no.1
and 2.
(4) Followings are necessary to establish the wear and tear coefficient:
a) the date of the auto vehicle beginning the service as new , mentioned
in the documents of its identification respectively( identity card, certificate
of registration etc), or, in the absence of it, the manufacturing year
on the original plate of the auto vehicle;
b) the distance covered by the auto vehicle in kilometres respectively
from the beginning of service until the insurance event occurring.
Art.2. -
(1) For the auto vehicles for which all the data provided for in the
art.1 (4) are known, to establish the wear and tear coefficient for
the damaged auto vehicle, it is checked the line related to the service
period (in years) and the column related to the average status of
maintenance (made for an average distance covered for a year for
10.000 kilometres) and by the crossing of which the respective wear
and tear coefficient is found.
(2)In the case there are differences between the real distance covered
and that obtained by using the annual average, the coefficient corresponding
to the average status of maintenance will be amended by 0.6% for each
1000 km* without be able to go beyond the coefficients related to the
good or satisfactory status of maintenance.
…………………………………
*The correction will be made by summing up if the real distance covered
is more than 10,000 km/year, or decreasing if the real distance covered
is less.
Art.3. -
(1) For the auto vehicles for which the distance covered in kilometres
made until the insurance events occurred is not known or this is
not in line the technical status of the respective auto vehicle,
the wear and tear coefficient for the damaged auto vehicle is established
upon the years in service and its status of maintenance provided
for in the lists of the wear and tear coefficients no.1 and 2.
(2)The status of maintenance of an auto vehicle may be good, average
and satisfactory.
(3)The establishment of the auto vehicle's status of maintenance is made
in accordance with its status before the insurance event occurred upon
the hereinbelow criteria:
a) good status of maintenance
The auto vehicle presents: the integrity of the coachwork elements, protection
bars and the wheels' lids; intact painting without exfoliation or apparent
traces of rust of the plate sheet iron, tapestry work without spots,
traces of premature wear and tear or tearing; tires uniformly used without
prominent traces on the wings as a result of an inadequate adjustment
of the direction; the engine without leakage on the lateral sides or
the internal ground loops of the space allotted to it.
b)
average maintenance status
The auto vehicle shows: coachwork's deformation, protection bars', and
the wheel's lids up to 10 decimetres^2 for the external area, the paint's
degradation as to the lighting with apparent traces of rust on total
surface up to 10 decimetres^2, exfoliations up to 0.5 centimetres^2 or
other scratches; spots on the tapestry work of the chairs.
c)
satisfactory status of maintenance
The auto vehicle presents: coachwork's deformations, protection bars
and the wheels 'lids for more than 10 decimetres^2 on the total external
area; paint degradation, lighting total loss, with exfoliations on a
total surface of more than o.5 centimetres^2, with evident traces of
apparent rust and other scratches, the tapestry work deteriorated and
dirty, the tires unevenly used with prominent traces on one of the flanks
as a result of an inadequate adjustment of the direction; the engine
having oil traces on the superior and lateral parts as a result of the
leakage at the distribution's cover, combustion head's or aside the watertight
trimmings; large movements of the direction of the steering wheel.
(4) Knowing the date of entering the service as new and its status of
maintenance technically justified, to establish the wear and tear coefficient
for the damaged auto vehicle, the horizontal line of the list of coefficients
corresponding to its years in service is searched and a wear and tear
coefficient is found within those corresponding to the good and satisfactory
status of maintenance.
Art.4.
(1) For the auto vehicles that current repairs were carried out before
the insurance event, including replacement of component parts or the
original parts, in order to maintain the corresponding technical status
of the auto vehicle the calculation of the wear and tear coefficient
is made upon the following relation:
Ur= U x K
in which:
Ur = the recalculated wear and tear coefficient of the auto vehicle
U = the wear and tear coefficient arising out the lists of the wear and
tear coefficients upon the above mentioned data;
K = coefficient of the wear and tear correction (A - a)/A
in which:
A=
the value as new of the auto vehicle
a = the total cost of the current repairs , including the replacements
of the component parts or the original parts done before the insurance
event occurring excluding those carried out as a manufacturing defects,
to keep or improve the corresponding technical status of the auto vehicle,
based upon the documentation regarding their effective cost.
(2) The wear and tear coefficients (U) inferior to those minimal or superior
to those maximum will not be taken into consideration for the years in
service, distance covered and the status of maintenance of the damaged
auto vehicle, provided in the lists of wear and tear coefficients no.1
and 2 **.
**
The lists no.1 and 2 are reproduced in facsimile.
THE LIST OF THE WEAR AND TEAR COEFFICIENTS NO.1
for the auto vehicles the authorised maximum mass of which does not overpass
3.5. tons and for those the number of chairs is not more than 9
____________________________________________
| | Wear and Tear Coefficients (%) |
|Years|______________________________________|
| | Good | Average | Satisfactory |
| | status of | status of | status of |
| |maintenance|maintenance| maintenance |
|_____|___________|___________|______________|
| | 0 | 4 | 6 |
| 1 |___________|___________|______________|
| | 5 | 9 | 13 |
|_____|___________|___________|______________|
| | 12 | 18 | 28 |
| 2 |___________|___________|______________|
| | 18 | 28 | 35 |
|_____|___________|___________|______________|
| | 23 | 33 | 40 |
| 3 |___________|___________|______________|
| | 26 | 37 | 45 |
|_____|___________|___________|______________|
| | 30 | 42 | 50 |
| 4 |___________|___________|______________|
| | 34 | 45 | 53 |
|_____|___________|___________|______________|
| | 37 | 48 | 56 |
| 5 |___________|___________|______________|
| | 41 | 52 | 59 |
|_____|___________|___________|______________|
| | 45 | 55 | 62 |
| 6 |___________|___________|______________|
| | 48 | 58 | 65 |
|_____|___________|___________|______________|
| | 51 | 62 | 69 |
| 7 |___________|___________|______________|
| | 53 | 65 | 72 |
|_____|___________|___________|______________|
| | 56 | 67 | 75 |
| 8 |___________|___________|______________|
| | 58 | 70 | 78 |
|_____|___________|___________|______________|
| | 60 | 72 | 80 |
| 9 |___________|___________|______________|
| | 61 | 73 | 82 |
|_____|___________|___________|______________|
| | 62 | 74 | 84 |
| 10 |___________|___________|______________|
| | 63 | 75 | 85 |
|_____|___________|___________|______________|
| over| 63 | 75 | 85 |
| 10 | | | |
|_____|___________|___________|______________|
NOTE:
The wear and tear coefficients in the list, corresponding to the years
in service are differently set for these years, for half a year and
for a whole year in service
THE
LIST OF THE WEAR AND TEAR COEFICIENTS NO. 2
For the auto vehicles the authorised maximum total mass is less than
3.5toand for those the number of places in chairs is more than 9
____________________________________________
| | Wear and Tear Coefficients (%) |
|Years|______________________________________|
| | Good | Average | Satisfactory |
| | status of | status of | status of |
| |maintenance|maintenance| maintenance |
|_____|___________|___________|______________|
| | 0 | 5 | 7 |
| 1 |___________|___________|______________|
| | 6 | 10 | 15 |
|_____|___________|___________|______________|
| | 12 | 20 | 27 |
| 2 |___________|___________|______________|
| | 18 | 25 | 34 |
|_____|___________|___________|______________|
| | 23 | 30 | 39 |
| 3 |___________|___________|______________|
| | 28 | 35 | 44 |
|_____|___________|___________|______________|
| | 33 | 40 | 48 |
| 4 |___________|___________|______________|
| | 37 | 45 | 52 |
|_____|___________|___________|______________|
| | 41 | 49 | 56 |
| 5 |___________|___________|______________|
| | 44 | 52 | 60 |
|_____|___________|___________|______________|
| | 47 | 55 | 63 |
| 6 |___________|___________|______________|
| | 50 | 58 | 65 |
|_____|___________|___________|______________|
| | 53 | 60 | 68 |
| 7 |___________|___________|______________|
| | 55 | 64 | 70 |
|_____|___________|___________|______________|
| | 58 | 66 | 72 |
| 8 |___________|___________|______________|
| | 60 | 68 | 74 |
|_____|___________|___________|______________|
| | 63 | 70 | 76 |
| 9 |___________|___________|______________|
| | 65 | 71 | 77 |
|_____|___________|___________|______________|
| | 66 | 73 | 79 |
| 10 |___________|___________|______________|
| | 67 | 74 | 80 |
|_____|___________|___________|______________|
| | 68 | 75 | 82 |
| 11 |___________|___________|______________|
| | 69 | 76 | 83 |
|_____|___________|___________|______________|
| | 70 | 77 | 84 |
| 12 |___________|___________|______________|
| | 71 | 78 | 85 |
|_____|___________|___________|______________|
| over| 71 | 78 | 85 |
| 12 | | | |
|_____|___________|___________|______________|
NOTE:
The wear of tear coefficients in the list, corresponding to the years
in service, are set differently for these years, for half a year
and for a whole year of service.
ANNEX
2
To the norms
THE
LEVEL
OF PREMIUMS FOR COMPULSORY THIRD PARTY LIABILITY MOTOR INSURANCE FOR
2003
I*).
In the case of the persons holding cars holding auto
vehicles registered in Romania
________________________________________________________________________________
Type of the 1 January - 1 January - 1 June -
Auto vehicle 31st December 31st May 31st December
________________________________________________________________________________
individuals legal individuals legal individuals legal
persons persons persons
________________________________________________________________________________
1.Cars
(including
four wheels drive cars
and mixed cars
the total authorised
maximum mass does not
overpass 3.5 t),
ambulance cars,
auto trainers, having
the cylinder capacity
of:
a)up to 1.200 cm^3 858000 1021000 366000 432000 492000 589000
b)between1.201 -
1400cm^3 982000 1269000 411000 534000 571000 735000
c)between 1.401 1172000 1714000 501000 729000 679000 985000
1.600 cm^3
d)between 1.601- 1279000 1865000 547000 793000 732000 1072000
1.800 cm^3
e)between 1.801 - 1647000 2245000 685000 944000 962000 1301000
2.000 cm^3
f) over 2.000 cm^3 9698000 2719000 827000 1152000 1142000 1567000
_______________________________________________________________________________
2. Auto vehicles
for passengers
transport
(including
auto vehicles specialized
for passengers transport)
a)having
10, to17 places
on chairs exclusively
the driver chair
included 2610000 3092000 1094000 1288000 1516000 1804000
b) having over
18 chairs,
including that of
the driver's 4725000 5606000 1969000 2343000 2756000 3263000
c) trams
trolleys - 4493000 - 1872000 - 2621000
______________________________________________________________________________
3. Motorcycles with
or without attach 688000 1124000 293000 462000 395000 662000
______________________________________________________________________________
4.Road tractors
having engine
power of:
a)up to 45 HP
included 580000 580000 241000 241000 339000 339000
b)over 45 HP 2804000 2804000 1180000 1180000 1624000 1624000
______________________________________________________________________________
5.Other auto vehicles
than those
mentioned under
points 1 - 4,which
total maximum
authorized mass is:
a)up to 2,300 kg 1703000 2452000 719000 1028000 984000 1424000
b)between 2,301 -
and 3,500 kg 2677000 3371000 1124000 1410000 1553000 1961000
c)between 3,501 -
7,500 kg. 3659000 4214000 1544000 1755000 2105000 2549000
d)between 7,501 -
and 16,000kg 4493000 5606000 1872000 2343000 2621000 3263000
e)over16.000 kg 5606000 7290000 2343000 3051000 3263000 4239000
______________________________________________________________________________
*)a)Insurance
premiums are paid auto vehicles only. For trailers,
half trainers and attaches no insurance premium is
paid.
b)The above insurance premiums are paid as well and each taste driving
number.
c)The insurance premiums related to the above mentioned periods are collected
in provided quantum, its fractioning being not possible, with the exception
of the cases provided for in the art. 5(2) of the Norms.
d)For all the auto vehicles that are not expressly mentioned under point
1 the tariffs mentioned under point 5 (utilitarian auto vehicle, wagons,
trucks, special auto vehicles) will be applied.
II*).In
the case of the persons that enters the territory
of Romania driving auto vehicles registered abroad,
but uninsured or the insurance of which expires during
the periods they are within Romanian territory.
- lei -
________________________________________________________________________________
Insurance premium for a month or a part of a month within
1 January - 31 December 2002,
for each auto vehicle registered
Type of the auto vehicle abroad
________________________________________________________________________________
1. Cars 2.317.000
2. Motorcycles 893.000
3. Other auto vehicles except cars
and motorcycles 5.703.000
________________________________________________________________________________
*)The
insurance premiums are paid for auto vehicles only.
There are no insurance premiums payable for trailers,
half trailers and attaches.
Annex
3* to
NORMS
*Annex
no.3 is reproduced in facsimile
______________________________________________________________________________
|______________________________________________________________________________|
| |
|______________________________________________________________________________|
| Insurance company(name, address, fiscal code, tel./fax) |
|______________________________________________________________________________|
| |
|______________________________________________________________________________|
| TPL policy series | | |
|______________________|______________________| |
| TPL No of the policy | | |
|______________________|______________________| |
|_____________________________________________|________________________________|
| | Insured | | Driver | |
|______|_______________|______________________|____________|___________________|
| DATE:| Address | | Address | |
|______|_______________|______________________|____________|___________________|
Fiscal code/Personal | Fiscal code/ | |
| | code number | Personal code | |
| _______________________________________|________________________________|
| | Autovehicle | |
| |______________________________________| |
| | |category | | |
| | |_________|____________| |
| | |mark | | |
| | |_________|____________| |
| | |type | | |
| |_______________|_________|____________| |
| | Cilindric capacity |____________| |
| | Number of places |____________| |
| | Total authorised | | |
| |maximum mass |____________| |
| | Number of registration | | |
| |_________________________|____________| |
| | Chassis series | | |
| |_________________________|____________| |
| | Validity of insurance | | |
| |_________________________|____________| |
| | Power of motor kW | | |
| |_________________________|____________| |
| | Year of manufacture | | |
|______|_________________________|____________|________________________________|
|______________________________________________________________________________|
ANNEX 4*)
To Norms
*)
Annex no. 4 is reproduced în facsimil.
TECHNICAL
ACCOUNT AFFERENT TO GENERALE INSURANCES,
CLOSED ON 31ST OCTOBER 2002
(model)
______________________________________________________________________________
| Name of indexes |Nr | |
|results afferent to 1st January to 31st October 2002 |crt.| |
|__________________________________________________________|____|______________|
|1.Income from net reinsurance premiums | | |
| a)Income from gross written premiums | | |
| of which: | |______________|
| - income from gross TPL written premium | 01 | |
|__________________________________________________________|____|______________|
| b) premiums ceded in reinsurance | 02 | |
|__________________________________________________________|____|______________|
| c)variation premium reserve | | |
| of which: | |______________|
| -variation TPL premium rezerve | 03 | |
|__________________________________________________________|____|______________|
| d)variation premium reserved, ceded | | |
|in reinsurance | 04 | |
|__________________________________________________________|____|______________|
| TOTAL (line 01-02-03+04) | 05 | |
|__________________________________________________________|____|______________|
|Quota net income(difference between income and | 06 | |
|expenses from placements) transfered | | |
|from non technical account | | |
|__________________________________________________________|____|______________|
| 3.Other technical income, net of reinsurance | 07 | |
|__________________________________________________________|____|______________|
| 4.Cost incurred with losses, net of reinsurance | | |
|__________________________________________________________|____|______________|
| a) paid indemnities: | 08 | |
|__________________________________________________________|____|______________|
| - gross amounts, of which: | 09 | |
| - TPL gross amounts |____|______________|
| - part of reinsurances | 10 | |
|__________________________________________________________|____|______________|
| b)variation loss rezerve, net of reinsurance: | | |
| of which: | |______________|
| -variation loss rezerve for TPL | |______________|
| -variation loss rezerve unreported for TPL | 11 | |
|__________________________________________________________|____|______________|
| TOTAL (line 09-10+11) | 12 | |
|__________________________________________________________|____|______________|
| 5.Variation technical rezerve, net of reinsurance | | |
| of which: | | |
|__________________________________________________________|____|______________|
| a)Variation of rezerve unexpired risks | 13 | |
|__________________________________________________________|____|______________|
| b) Variation catastrophe rezerve | 14 | |
|__________________________________________________________|____|______________|
| c) Variation other technical rezerve | 15 | |
|__________________________________________________________|____|______________|
| TOTAL(line 13+14+15) | 16 | |
|__________________________________________________________|____|______________|
| 6. Variation of profit sharing rezerve | | |
| | 17 | |
|__________________________________________________________|____|______________|
| 7. Net exploatation costs | | |
|__________________________________________________________|____|______________|
| a) Acquision costs of which: | |______________|
| - Acquision costs TPL | 18 | |
|__________________________________________________________|____|______________|
| b)Variation of the amount of acquision costs | | |
| of which: | |______________|
| -variation of the sum of TPL acquision costs reported | | |
| | 19 | |
|__________________________________________________________|____|______________|
| c) Administration expenses | 20 | |
|__________________________________________________________|____|______________|
| d)commissions received from reinsurers and the | | |
| profit sharing | 21 | |
|__________________________________________________________|____|______________|
| TOTAL (line 18+19+20-21) | 22 | |
|__________________________________________________________|____|______________|
| 8.Other technical costs, net of reinsurance | 23 | |
|__________________________________________________________|____|______________|
| 9. Variation equalisation reserve | | |
|__________________________________________________________|____|______________|
| gross amount | 24 | |
|__________________________________________________________|____|______________|
| reinsurers part | 25 | |
|__________________________________________________________|____|______________|
| TOTAL (line 24-25) | 26 | |
|__________________________________________________________|____|______________|
| 10. Technical result of the general insurance | | |
|__________________________________________________________|____|______________|
| Profit(line 05+06+07-12-16-17-22-23-26) | 27 | |
|__________________________________________________________|____|______________|
| Loss (line 12+16+17+22+23+26-05-06-07) | 28 | |
|__________________________________________________________|____|______________|
Preident/General director, Drawn up,
............................................. .......................
Name,surname
(Name,surname of the president/general signature
director and the company's seal
ANNEX
5*)
to Norms
*)
Annex no. 5 is reproduced in facsimil.
Company: .......................................
Head office address: ...........................
Cod fiscal: ....................................
Tel./fax (sediul central): .....................
______________________________________________________________________________
| | | Personnel | Working | |
| | | specialized in | structure | |
| | | finding and loss | for indemnity|Addresses |
| | | ascertaining | payment | phone/fax|
|Nr. | Offices address |- name, surname, po-| (brach, | usefull |
|crt.| Phone number | sition, profession | agency) | numbers |
| | (branch, agency) | (brach, agency) | | |
|____|__________________________|____________________|______________|__________|
| 1 | Alba | | | | |
|____|_________________|________|____________________|______________|__________|
| 2 | Arad | | | | |
|____|_________________|________|____________________|______________|__________|
| 3 | Arges | | | | |
|____|_________________|________|____________________|______________|__________|
| 4 | Bacau | | | | |
|____|_________________|________|____________________|______________|__________|
| 5 | Bihor | | | | |
|____|_________________|________|____________________|______________|__________|
| 6 | Bistrita-Nasaud | | | | |
|____|_________________|________|____________________|______________|__________|
| 7 | Botosani | | | | |
|____|_________________|________|____________________|______________|__________|
| 8 | Brasov | | | | |
|____|_________________|________|____________________|______________|__________|
| 9 | Braila | | | | |
|____|_________________|________|____________________|______________|__________|
| 10 | Bucuresti | | | | |
|____|_________________|________|____________________|______________|__________|
| 11 | Buzau | | | | |
|____|_________________|________|____________________|______________|__________|
| 12 | Caras-Severin | | | | |
|____|_________________|________|____________________|______________|__________|
| 13 | Cluj | | | | |
|____|_________________|________|____________________|______________|__________|
| 14 | Calarasi | | | | |
|____|_________________|________|____________________|______________|__________|
| 15 | Constanta | | | | |
|____|_________________|________|____________________|______________|__________|
| 16 | Covasna | | | | |
|____|_________________|________|____________________|______________|__________|
| 17 | Dāmbovita | | | | |
|____|_________________|________|____________________|______________|__________|
| 18 | Dolj | | | | |
|____|_________________|________|____________________|______________|__________|
| 19 | Galati | | | | |
|____|_________________|________|____________________|______________|__________|
| 20 | Giurgiu | | | | |
|____|_________________|________|____________________|______________|__________|
| 21 | Gorj | | | | |
|____|_________________|________|____________________|______________|__________|
| 22 | Harghita | | | | |
|____|_________________|________|____________________|______________|__________|
| 23 | Hunedoara | | | | |
|____|_________________|________|____________________|______________|__________|
| 24 | Ialomita | | | | |
|____|_________________|________|____________________|______________|__________|
| 25 | Iasi | | | | |
|____|_________________|________|____________________|______________|__________|
| 26 | Ilfov | | | | |
|____|_________________|________|____________________|______________|__________|
| 27 | Maramures | | | | |
|____|_________________|________|____________________|______________|__________|
| 28 | Mehedinti | | | | |
|____|_________________|________|____________________|______________|__________|
| 29 | Mures | | | | |
|____|_________________|________|____________________|______________|__________|
| 30 | Neamt | | | | |
|____|_________________|________|____________________|______________|__________|
| 31 | Olt | | | | |
|____|_________________|________|____________________|______________|__________|
| 32 | Prahova | | | | |
|____|_________________|________|____________________|______________|__________|
| 33 | Satu Mare | | | | |
|____|_________________|________|____________________|______________|__________|
| 34 | Salaj | | | | |
|____|_________________|________|____________________|______________|__________|
| 35 | Sibiu | | | | |
|____|_________________|________|____________________|______________|__________|
| 36 | Suceava | | | | |
|____|_________________|________|____________________|______________|__________|
| 37 | Teleorman | | | | |
|____|_________________|________|____________________|______________|__________|
| 38 | Timis | | | | |
|____|_________________|________|____________________|______________|__________|
| 39 | Tulcea | | | | |
|____|_________________|________|____________________|______________|__________|
| 40 | Vaslui | | | | |
|____|_________________|________|____________________|______________|__________|
| 41 | Vālcea | | | | |
|____|_________________|________|____________________|______________|__________|
| 42 | Vrancea | | | | |
|____|_________________|________|____________________|______________|__________|
Date: ........................ Signature,
President/General Director
ANNEX
No. 6
to Norms
DECLARATION
The
Undersigned ...........................in my capacity
as a president/ general director general and a
legal representative of the Commercial Coimpany
......................., having the head office
in .........................., romanian legal persons
, registered with the Registre of Commerce ...................
under the number. ................., Unic registration
code ................., authorized in conformity
with the Law no. 32/2000 regarding the insurance
companies and the supervisdion of insurance with
the subsequent changes , on .......................,
require authorization to sell compulsory third
party laibility motor insurance in 2003 and, consequently
, I declar the following on my own responsibility:
- The company and its management undertake to exactly observe the provisions
of the Norms refering to the fulfilment of law in the filed of compulsory
third party liability motor insurance and the authorisation of insurers
who will sell such insurance in 2003, enacted by the Order of the President
of Insurance Supervising Insurance no. 9/2002, published in the Official
Gazette of Romania, Part I, nr. ........ din .................... .
- For each unit (branch, agency)the company has its own personnel experienced
in finding, ascertaining and the settlement of motor losses and effects
payments of indemnities at least at one of the territorial units of
every county.
- The insurance company has adequate elctronic system and soft in conformity
with the documentation filed in the authorisation file, observing the
provisions of the articles 13 lit. h) of the above norms .
- In the case all those above declared will not be observed the insurance
company and its management accept the sanctions sccording to the legislation
in forece.
Date
.......... Signature..................
ANNEX 7a)*)
to Norms
*)
Annex no. 7a) este reproduced in facsimil.
COMPANY...................................
MONTH.................... 2003
INDIVIDUALS
A. Premiums collected cumulated from the beginning of the underwriting
year…………….
B.
- thousands lei -
______________________________________________________________________________
| | No. of | Volume of | No. of | Volume of | No. of | Volume of :
| No.| contracts | collected | contracts| premiums | contracts| premiums :
|B(1)| cumulated | premiums | valid | collected | valid | collected :
| | from the | cumulated | until | for the | until | for the :
| |beginning of | from the |31.12.2003| contracts |31.05.2003| contracts :
| |the u/w year | beginning |cumulated | valid | (B6) | valid :
| | (B2) | of the u/w| from | until | | until :
| | | year |the begin-| 31.12.2003 | | 31.05.2003 :
| | | (B3) | ning of | (B5) | | (B7) :
| | | | the u/w | | | :
| | | | year | | | :
| | | | (B4) | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1a) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1b) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1c) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1d) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1e) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|1f) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|2a) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|2b) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|2c) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|3 | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|4a) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|4b) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|5a) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|5b) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|5c) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|5d) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|5e) | | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|II.1| | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|II.2| | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
|II.3| | | | | | :
|____|_____________|___________|__________|____________|__________|____________:
| TOTAL | | | | | :
|__________________|___________|__________|____________|__________|____________:
- continued -
____________________________________________________________________________
|Crt.no(B8) |Volume of |Number of |Indemnities |Number of |Reserve |
| |premiums |notified |paid |outstanding |afferent to|
| |collected |losses |cummulated |damages |losses |
| |for |cummulated |until the end|cummulated |settled |
| |contracts |from the |of the u/w |from the |cummulated |
| |valid for 1|beginning |year(B11) |beginning of |from the |
| |month |of the u/w | |the u/w |beginning |
| |cummulated |year(B10) | |year(B12) |of the u/w |
| |frm the | | | |year(B13) |
| |beginning | | | | |
| |of the u/w | | | | |
| |year | | | | |
| |(B9) | | | | |
| | | |Injury/ | | |
| | | |Property | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
| | | | | | |
|___________|___________|___________|_____________|_____________|___________|
ANNEX
7b)*)
to Norms
*)
Annexa nr. 7b) is reproduced in facsimil.
Company
...................................
Month .................... 2003
LEGAL
PERSONS
A. Premiums collected, cummulated from the beginning of the underwriting
year_______________
B.
____________________________________________________________________________
|No |No.of |Volume of |Number of |Volume of |Number of |
|(B1) |contracts |collected |contracts |premiums |contracts |
| |cumulated |premiums |valind until|collected for |valind until |
| |from the |cummulated |31.12.2003 |the contracts |31.5.2003(B6) |
| |beginning |from the |cumulated |valind until | |
| |of the u/w |beginning |from the |31.12.2003(B5) | |
| |year |of the u/w |beginning of| | |
| |(B2) |year |the u/w | | |
| | |(B3) |year(B4) | | |
|______|___________|___________|____________|________________|_______________|
|1a) | | | | | |
|______|___________|___________|____________|________________|_______________|
|1b) | | | | | |
|______|___________|___________|____________|________________|_______________|
|1c) | | | | | |
|______|___________|___________|____________|________________|_______________|
|1d) | | | | | |
|______|___________|___________|____________|________________|_______________|
|1e) | | | | | |
|______|___________|___________|____________|________________|_______________|
|1f) | | | | | |
|______|___________|___________|____________|________________|_______________|
|2a) | | | | | |
|______|___________|___________|____________|________________|_______________|
|2b) | | | | | |
|______|___________|___________|____________|________________|_______________|
|2c) | | | | | |
|______|___________|___________|____________|________________|_______________|
|3 | | | | | |
|______|___________|___________|____________|________________|_______________|
|4a) | | | | | |
|______|___________|___________|____________|________________|_______________|
|4b) | | | | | |
|______|___________|___________|____________|________________|_______________|
|5a) | | | | | |
|______|___________|___________|____________|________________|_______________|
|5b) | | | | | |
|______|___________|___________|____________|________________|_______________|
|5c) | | | | | |
|______|___________|___________|____________|________________|_______________|
|5d) | | | | | |
|______|___________|___________|____________|________________|_______________|
|5e) | | | | | |
|______|___________|___________|____________|________________|_______________|
|II.1 | | | | | |
|______|___________|___________|____________|________________|_______________|
|II.2 | | | | | |
|______|___________|___________|____________|________________|_______________|
|II.3 | | | | | |
|______|___________|___________|____________|________________|_______________|
|TOTAL | | | | | |
|______|___________|___________|____________|________________|_______________|
- continued -
____________________________________________________________________________
|Crt.no |Volume of |Number of |Indemnities paid |Number of |Reserve |
|(B8) |premiums |notified |cummulated until |outstanding |afferent to|
| |collected |losses |the end of the |damages |losses |
| |for |cummulated |u/w year(B11) |cummulated |settled |
| |contracts |from the | |from the |cummulated |
| |valid for 1|beginning | |beginning of |from the |
| |month |of the u/w | |the u/w |beginning |
| |cummulated |year(B10) | |year(B12) |of the u/w |
| |frm the | |Injury/Property | |year(B13) |
| |beginning | | | | |
| |of the u/w | | | | |
| |year | | | | |
| |(B9) | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
|_______|___________|___________|_________________|_____________|___________|
| | | | | | |
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