Public Association
”Union of Insurers from the Republic of Moldova”

The authorities responsible for control and interested parties can access the unified informational system related to mandatory motor third-party liability insurance (MTPL) to verify the existence of internal MTPL insurance.
However, it is important to know that when crossing the Transnistrian region, the MTPL insurance policy must be held physically.
Currently, it is also necessary to physically hold the "Accident Report Form" when documenting a traffic accident through the amicable accident reporting procedure. The form must be filled out and signed physically by the drivers involved in the accident.

Until December 31, 2024, inclusive, the Green Card insurance certificate must be held in physical paper format and presented upon request.

The MTPL policyholder (at-fault party) must:

a) Take all possible actions to minimize the damage caused.
b) Notify the police or other legal authorities about the accident (except for accidents eligible for documentation via the amicable accident reporting procedure) immediately after its occurrence.
c) If using the amicable accident reporting procedure:
– immediately notify the MTPL insurer that issued the mandatory MTPL insurance policy or the BNAA (for Green Card insurance holders) about the accident on the territory of the Republic of Moldova;
– document the circumstances of the accident by filling out and signing the "Amicable Accident Report Form" with the other driver involved;
– record witnesses’ details if available;
– take photos and/or videos at the scene of the accident that include both damaged vehicles, their license plates, visible damage, skid marks, and debris, if present;
– submit the completed and signed copy of the "Amicable Accident Report Form" to the MTPL insurer within two business days;
d) Notify the MTPL insurer or BNAA about the accident within 48 hours.
e) Inform the other parties involved and the injured party or their representatives about holding an MTPL insurance policy and/or Green Card insurance and provide necessary information about the insurer.
f) Present to the MTPL insurer the accident report prepared by the police, a valid driver’s license, vehicle registration certificate, and the vehicle’s valid periodic technical inspection report.
g) Provide access to the vehicle involved in the accident upon the insurer's request.

In the event of a vehicle accident, the injured party must undertake the following actions:

Request from the policyholder (at-fault party) the necessary information for filing a compensation claim, specifically:
- the name, surname, and address of the driver at the time of the accident; the name and address of the legal entity owning the vehicle; the name and address of the MTPL insurer that issued the mandatory MTPL insurance contract; the series and number of the insurance contract; the vehicle's registration/identification number;
- submit a compensation claim to the MTPL insurer of the at-fault party or to their own MTPL insurer.

In the case of applying the amicable accident reporting procedure:

– immediately notify the MTPL insurer that issued the mandatory MTPL insurance policy or the BNAA (in the case of holding a "Green Card" insurance certificate) about the accident occurring on the territory of the Republic of Moldova;
– document the circumstances of the accident by completing and signing the "Amicable Accident Report Form";
– record the details of any witnesses, if available;
– take photos and/or videos at the accident scene that include both damaged vehicles, their license plates, the visible damaged areas, and any skid marks or debris present at the scene;
– present the completed and signed copy of the "Amicable Accident Report Form" to the MTPL insurer within two business days from the date of the accident.
– ensure that the MTPL insurer has access to the damaged goods involved in the vehicle accident within five business days.

A person using a vehicle registered in the Republic of Moldova, whose insurance period expires while they are outside the territory of the Republic of Moldova, is required to conclude border insurance in the country they are traveling in or request their insurer in Moldova to issue a Green Card insurance policy without allowing any interruption in the insured period, provided no road accidents have been recorded during this time.

Filing a complaint with the insurer (via mail or email):
Consumers can access information about complaint resolution procedures and amicable settlement methods at the insurance companies' offices and on their websites. Companies respond to complaints received directly from complainants within a maximum of 30 days from the date the complaint is registered, regardless of whether the decision is favorable or unfavorable.

Filing a complaint with CNPF:
CNPF resolves complaints based on the information provided by both the complainant and the accused company within 30 days from the date the complaint is registered, regardless of whether the decision is favorable or unfavorable.

Alternative dispute resolution methods: mediation, arbitration.

Judicial resolution:
Lawsuits are resolved in accordance with the provisions of the Civil Procedure Code.

The amicable accident report procedure can be applied if all of the following conditions are met:
a) only two vehicles are involved in the accident;
b) the accident results in minor material damages within the limit of 15,000 lei;
c) the accident does not result in bodily injuries and/or damage to other properties (road installations, poles, fences, buildings, etc.) besides the vehicles involved in the accident;
d) both drivers involved in the accident agree to document the accident through the amicable report procedure, consent to the circumstances of the accident, and acknowledge the visible damages caused to the vehicles, with the responsible driver admitting fault;
e) the drivers involved in the accident have the ability to take photographs and/or video recordings at the scene of the accident;
f) the drivers involved in the accident record the witnesses' details if this is possible.
If the above conditions are not cumulatively met, the "Amicable Accident Report" form completed and signed by the drivers involved in the accident becomes null, and the accident must be documented by the competent authorities.
The MTPL insurer has the right to refuse payment of the insurance compensation if the "Amicable Accident Report" form is completed illegibly, is incomplete, or contains contradictory or erroneous data, except when the insured or the injured party contributes to correcting the errors.

Insurers who have paid compensation under the mandatory MTPL insurance have the right to initiate recovery actions in the following situations:

a) The obligation to conclude a mandatory MTPL insurance contract was not fulfilled, in cases where the insured individual transfers possession of the vehicle covered by the MTPL contract to a legal entity based on a lease or other legal document.
b) The obligation to conclude a mandatory MTPL insurance contract was not fulfilled, in cases where the insured legal entity transfers possession of the vehicle covered by the MTPL contract to an enterprise engaged in vehicle rental or the transport of passengers or goods in a taxi regime based on a lease or other legal document.
c) The vehicle did not have a valid periodic technical inspection report at the time of the accident.
d) The accident was caused intentionally or occurred during the deliberate commission of a crime.
e) The accident occurred while the perpetrator of the crime was attempting to evade law enforcement authorities.
f) The vehicle was driven in violation of driving regulations, as determined under the Contravention Code.
g) The driver of the vehicle left the scene of the accident.
h) The driver of the vehicle was under the influence of alcohol, drugs, and/or other similar substances, or refused alcohol or drug testing, or, as the case may be, medical examination with the collection of biological samples.