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Romanian Compulsory Motor Third Party Liability Insurance In 2010 And The Predictable Future

Listed author(s):
  • Marius Dan Gavriletea

    (Babes-Bolyai University of Cluj-Napoca)

  • Aura Carmen Moga

    (Babes-Bolyai University of Cluj-Napoca)

Registered author(s):

    Insurance coverage is mandatory for the motor’s owners. Analyzing the condition of theinsurance market trough 2010, by the gross written insurance premiums and the losses compensationsin the same period, the study analyzes the Romanian bonus-malus system, by comparing it with thebonus-malus system of other states. The study reveals the impact of bonus-malus clause, and also theimpact of the economic and financial crisis upon insurance market, the insufficiencies of the MTPLsystem and the ways of improving it. In the last part of this study, we analyze the future changes thatthe insurance companies have to make in according with the elimination of the discrimination troughgender in this insurance field.

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    Article provided by Faculty of Sciences, "1 Decembrie 1918" University, Alba Iulia in its journal Annales Universitatis Apulensis Series Oeconomica.

    Volume (Year): 1 (2011)
    Issue (Month): 13 ()
    Pages: 1-9

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    Handle: RePEc:alu:journl:v:1:y:2011:i:13:p:9
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    1. Lemaire, Jean & Zi, Hongmin, 1994. "High Deductibles instead of Bonus-Malus: Can it Work?," ASTIN Bulletin: The Journal of the International Actuarial Association, Cambridge University Press, vol. 24(01), pages 75-86, May.
    2. Lemaire, Jean & Zi, Hongmin, 1994. "A Comparative Analysis of 30 Bonus-Malus Systems," ASTIN Bulletin: The Journal of the International Actuarial Association, Cambridge University Press, vol. 24(02), pages 287-309, November.
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