{"id":9484,"date":"2020-04-10T08:04:59","date_gmt":"2020-04-10T08:04:59","guid":{"rendered":"https:\/\/polisa.nl\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/"},"modified":"2023-06-22T11:09:57","modified_gmt":"2023-06-22T11:09:57","slug":"intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila","status":"publish","type":"post","link":"https:\/\/polisa.nl\/ro\/blog\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/","title":{"rendered":"Asigurarea de r\u0103spundere civil\u0103 &#8211; ce este?"},"content":{"rendered":"\n<p>Asigurarea de <a href=\"https:\/\/polisa.nl\/ro\/asigurarea-de-raspundere-civila\/\"><strong>r\u0103spundere civil\u0103<\/strong><\/a> (AVP) acoper\u0103 costurile pentru daunele cauzate unor persoane ter\u021be, cum ar fi v\u0103t\u0103m\u0103ri personale sau materiale, provocate accidental. Nu \u00eentotdeauna persoana asigurat\u0103 este vinovat\u0103 pentru astfel de cazuri, de exemplu, dac\u0103 o \u021beava s-a spart \u00een casa dvs. \u0219i a inundat vecinii, ve\u021bi fi responsabil indirect de daunele create vecinilor. \u00cen acest caz dvs. sunte\u021bi cel care trebuie s\u0103 suporte consecin\u021bele \u0219i costul repara\u021biei, iar atunci asigurarea de r\u0103spundere civil\u0103 va poate fi de ajutor.<\/p>\n\n\n\n<p>Scopul acestei asigur\u0103rii este de a acoperi daunele materiale create de asigurat \u00een situa\u021bi neprev\u0103zute.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>De ce s\u0103 v\u0103 achizi\u021biona\u021bi asigurarea de r\u0103spunderea civil\u0103?<\/strong><\/h2>\n\n\n\n<p>Acoper\u0103 majoritatea pagubelor. Indiferent dac\u0103 este vorba despre daune materiale sau v\u0103t\u0103m\u0103ri corporale. Iar dac\u0103 ave\u021bi o familie, v\u0103 pute\u021bi asigurata at\u00e2t partenerul c\u00e2t \u0219i copii. Astfel, \u00een cazul pagubelor cauzate de copii, tutorele este \u00eentotdeauna responsabil, care nu va mai trebuie s\u0103 pl\u0103teasc\u0103 din buzunar, compania de asigur\u0103ri va face acest lucru. De aceea, merit\u0103 s\u0103 v\u0103 proteja\u021bi suplimentar cu asigurarea de r\u0103spundere civila.  <strong>Prima lunar\u0103 este \u00een jur de 10 euro. <\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Exemple de situa\u021bii:<\/strong><\/h2>\n\n\n\n<p>1. \u00cen timpul unui v\u00e2nt puternic, bicicleta Mihaelei a c\u0103zut pe <a href=\"https:\/\/polisa.nl\/ro\/asigurare-auto\/\"><strong>ma\u0219ina <\/strong><\/a>prietenului s\u0103u \u0219i a provocat o fisur\u0103 ad\u00e2nc\u0103, dauna a fost evaluat\u0103 la 450, euro. Mihaela are o asigurare de r\u0103spundere civil\u0103, iar asigur\u0103torul va acoperi aceste costuri.<\/p>\n\n\n\n<p>2. Vlad s-a gr\u0103bit dup\u0103 munc\u0103 \u0219i din neaten\u021bie s-a urcat pe trotuar \u00eencerc\u00e2nd s\u0103 ias\u0103 din parcare, \u0219i a accidentat o femeie care era \u00een trecere. Ca urmare a accidentului femeia a c\u0103zut \u015fi \u015fi-a rupt bra\u021bul. Costul tratamentului este de 3.600 de euro, iar Vlad va trebui s\u0103 pl\u0103teasc\u0103 singur pentru c\u0103 nu are asigurarea de r\u0103spundere civil\u0103.<\/p>\n\n\n\n<p>3. \u00cen timp ce juca fotbal, fiul Anei a lovit mingea cu puterea, \u00een speran\u021ba c\u0103 prietenul s\u0103u o va opri. Din p\u0103cate, acesta nu a reu\u0219it, iar mingea a lovit gardul vecinilor \u0219i a provocat pagube de 299 euro. So\u021bul Aniei este asigurat, astfel \u00eenc\u00e2t poli\u021ba sa acoper\u0103 \u0219i <a href=\"https:\/\/polisa.nl\/ro\/raportarea-daunelor\/\"><strong>daunele <\/strong><\/a>cauzate de ea \u0219i de copiii lor. Daunele vor fi remediate, costurile pl\u0103tite.<\/p>\n\n\n\n<p>Contacta\u021bi-ne \u0219i v\u0103 vom oferi cel mai bun pre\u021b adaptat nevoilor dvs.!<\/p>\n\n\n\n<p><strong>Tel: <a href=\"tel:0881021544\">088 1021 544<\/a> | Email: <a href=\"mailto:info@polisa.nl\">info@polisa.nl<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asigurarea de r\u0103spundere civil\u0103 v\u0103 protejeaz\u0103 \u00eempotriva costurilor ridicate asociate cu consecin\u021bele pagubelor cauzate de dvs. sau de familia dvs. \u0218ti\u021bi exact ce este \u0219i \u00een ce situa\u021bii merit\u0103 s\u0103 o ave\u021bi? Descoperi\u021bi \u00een ultimul blog-ul nostru!<\/p>\n","protected":false},"author":4,"featured_media":43590,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[14],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Asigurarea de r\u0103spundere civil\u0103 - ce este?<\/title>\n<meta name=\"description\" content=\"Asigurarea de r\u0103spundere civil\u0103 acoper\u0103 costurile pentru daunele cauzate unor persoane ter\u021be, de tine \u015fi familia ta.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/polisa.nl\/ro\/blog\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asigurarea de r\u0103spundere civil\u0103 - ce este?\" \/>\n<meta property=\"og:description\" content=\"Asigurarea de r\u0103spundere civil\u0103 acoper\u0103 costurile pentru daunele cauzate unor persoane ter\u021be, de tine \u015fi familia ta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/polisa.nl\/ro\/blog\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/\" \/>\n<meta property=\"og:site_name\" content=\"Polisa.nl\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/wordpress-407949-2799458.cloudwaysapps.com\" \/>\n<meta property=\"article:published_time\" content=\"2020-04-10T08:04:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-22T11:09:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/polisa.nl\/wp-content\/uploads\/POLISA-1200-x-628-px-6.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Dirk Swinkels\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dirk Swinkels\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/polisa.nl\/ro\/blog\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/polisa.nl\/ro\/blog\/intrebarea-lunii-ce-este-asigurarea-de-raspundere-civila\/\"},\"author\":{\"name\":\"Dirk Swinkels\",\"@id\":\"https:\/\/polisa.nl\/#\/schema\/person\/9b18ba5a9d2e826e6b3cd04bed658e8a\"},\"headline\":\"Asigurarea de r\u0103spundere civil\u0103 &#8211; 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