Official data from ASF, the market authority, further indicate that total reserves and payments, including those from the Policyholders Guarantee Fund (FGA), reached RON 6.9 billion (~ EUR 1.38 billion) - up 57% y-o-y.
Meanwhile, MTPL claim files increased by 28%, reaching 312,000, highlighting Romania’s persistently high accident rate. In response, the insurance industry is calling for stronger road safety initiatives and adjustments to the MTPL Law 132/2017 to benefit drivers, claimants, and all stakeholders - especially as claim costs significantly impact policy pricing.
One proposed reform under debate in the Chamber of Deputies would allow insurers to contract directly with repair shops, streamlining claims processing and ensuring fair market prices for quality repairs. Currently, repair costs vary widely, with independent service shops - lacking agreements with insurers - charging 30% more than authorized dealerships and nearly double the rates of contracted repairers, according to UNSAR member analyses.
A February 2025 IRES survey for UNSAR found that 56% of Romanian drivers would be frustrated if repair costs were higher when covered by RCA policies than when paid out-of-pocket. This underscores the need for greater transparency and fairness in repair pricing.
UNSAR emphasizes the urgency of refining RCA regulations and implementing broader measures to reduce accident frequency and severity on Romania’s roads while maintaining sustainable insurance premiums. The industry remains open to constructive dialogue to achieve these goals.
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