The record of car damages, available since September 15

People who own mandatory car insurance(RCA) will have access, starting the 15th of September, to the data regarding their record of past damages, which is available in the specialized Insurance Surveillance Commission(CSA) database.

In the light of a recent decision that was taken, the Board of ISC makes it easier to apply the bonus-malus system and facilitates the access to information regarding their damages for people who have insurances.

"Therefore, starting the 15th of September 2012, people who use mandatory car insurances will have access to information regarding the record of their past damages, which is available in the CEDAM database", we find from one of the institution's communique.

Insurance bonuses offered by the mandatory car insurance depend on the record of damages that the user of a car with insurance has in a reference period, as the current laws regarding the bonus-malus system say.

Also, a method has been implemented, which enables the insurance companies to query the CEDAM database in order to find out the record of past damages of the potential clients by using the web service associated with the bonus-malus system.

The Insurance Surveillance Commission is responsible for the maintenance and administration of the CEDAM database.

The institution has no right to alter this data.

The data available in this database is centralized from the insurance companies, the rightful owners of the data.

Responsible for the collecting, transcription, uploading and modifying the mandatory car insurance policies are only the insurance companies.

What does a "bonus-malus system" mean?

The bonus-malus system's foundation is the intention of separating the cautious drivers from those who are undisciplined.

The bonus-malus system has two orientations, as its name implies.

When applied, a driver can be punished (Malus), in case of having damages and many accidents, or, to the contrary, can be paid(Bonus), in case of succeeding to avoid any damages while driving, in which situation we turn to the price of the insurance.

Each segment, Bonus and Malus, has several ranks, which are set depending on the driver's record behind the wheel.

Therefore, there are 14 ranks of Bonus, from B0-0% to B14-50%, and 8 ranks of Malus, from M1+5% to M8+100%(in this case, the driver pays double for the mandatory car insurance).

Translated by Alex Neagoe
MTTLC, Bucharest University