Motor third-party liability — Romania

[1] Bodily injury liability: RON 31,926,210 ↩

Covers bodily injury or death caused to third parties in accidents involving the insured vehicle, including non-patrimonial damages (psychological trauma). The compensation limit per accident is 31,926,210 RON regardless of the number of injured persons or liable parties. For accidents outside Romania, the limits are determined by the law of the country where the accident occurred or Romanian law, whichever is more favorable to the injured party.

Pentru vătămari corporale şi decese, inclusiv pentru prejudicii fără caracter patrimonial produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire este de 31.926.210 Ron

[2] Property damage liability: RON 6,434,740 ↩

Covers material damage caused to third-party property in accidents involving the insured vehicle, including costs of deregistration and re-registration, costs for limiting the damage, costs related to diminished vehicle value after repairs, costs for restoring the vehicle to its pre-accident state, court costs incurred by the injured party, stamp duty costs, costs for temporary vehicle replacement, and transport costs for the damaged vehicle to the nearest assessment centre or repair shop. The limit per accident is 6,434,740 RON regardless of the number of injured persons.

Pentru pagubele materiale produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire este de 6.434.740 Ron

[3] Legal defence: Optional ↩

Optional coverage available in Plus, Extra and Max packages of the My Car product. Covers reasonable costs of legal assistance to protect the insured's legitimate interests in the event of a road accident involving the insured vehicle covered under RCA — whether resulting in third-party bodily injury, death, or property damage, or triggering civil, contravention, or criminal liability including driving licence suspension. Only costs of lawyers registered in Romania are covered. For accidents abroad, costs of Romanian lawyers sub-contracting to foreign lawyers are covered. The insured sum / limit of indemnity is specified in the individual policy.

[4] Green card: Unlimited ↩

The RCA policy automatically extends coverage to the territory of Green Card member countries listed on the policy document that are not crossed out. For accidents in EU member states, coverage is at the level required by the legislation of the member state where the accident occurred or at the Romanian level, whichever is higher. Coverage applies in the listed countries (Albania, Austria, Andorra, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Estonia, Switzerland, Finland, France, Germany, Greece, Iran, Ireland, Iceland, Italy, Latvia, Lithuania, Luxembourg, North Macedonia, Malta, Great Britain, Morocco, Moldova, Montenegro, Norway, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Serbia, Tunisia, Turkey, Ukraine, Hungary) that are not crossed out on the policy.

Teritoriul ţărilor membre ale Sistemului Internaţional Carte Verde înscrise în polița RCA (Albania, Austria, Andorra, Azerbaidjan, Belgia, Bosnia și Herzegovina, Bulgaria, Cehia, Cipru, Croația, Danemarca, Estonia, Elveția, Finlanda, Franța, Germania, Grecia, Iran, Irlanda, Islanda, Italia, Letonia, Lituania, Luxemburg, Macedonia, Malta, Marea Britanie, Maroc, Moldova, Muntenegru, Norvegia, Olanda, Polonia, Portugalia, Slovacia, Slovenia, Spania, Suedia, Serbia, Tunisia, Turcia , Ucraina, Ungaria) și care nu sunt barate.

[5] Passenger accident: Optional ↩

Optional add-on covering death or injury (permanent total disability, permanent partial disability, temporary disability) of the driver and passengers resulting from a road accident during the policy validity period. Basic cover (Confort package) covers death, permanent total invalidity, and temporary invalidity (hospitalization over 10 consecutive days or medical care over 20 consecutive days). Extended cover (Plus/Extra/Max packages) provides double the compensation limits compared to the basic package. Permanent invalidity must be communicated within 1 year of the accident. The insured sum per person is specified in the individual policy.

[6] Bodily injury liability: €6,070,000 ↩

Covers bodily injury, death, and moral damages caused to third parties per accident, up to 6,070,000 EUR equivalent in RON, regardless of the number of injured persons. Limit is set by Romanian Law 132/2017. If the accident occurs in a state with higher limits, those limits apply subject to specific conditions.

Vătămări corporale sau deces, inclusiv daune morale: până la 6.070.000 euro per accident, echivalent în lei, indiferent de numărul persoanelor prejudiciate.

[7] Property damage liability: €1,220,000 ↩

Covers material damages caused to third parties per accident, up to 1,220,000 EUR equivalent in RON, regardless of the number of injured persons. Includes costs for restoring the damaged vehicle to its pre-accident state, loss of use, transport costs for an immobilized vehicle, and damages caused by vehicle equipment or cargo spillage. Limit set by Romanian Law 132/2017.

Daune materiale: până la 1.220.000 euro per accident, echivalent în lei, indiferent de numărul persoanelor prejudiciate.

[8] Legal defence: Covered ↩

Court costs or alternative dispute resolution costs are covered where the outcome is favorable to the injured party, as part of the covered damages under the RCA policy per Romanian Law 132/2017. No separate coverage limit is stated; covered within the overall liability limits.

cheltuieli de judecat ă sau pentru soluționarea alternativ ă a litigiului, dac ă soluția este favorabil ă persoanei prejudiciate;

[9] Green card: Covered ↩

Coverage extends to the EU, EEA, Switzerland, and states whose national bureaux signed the multilateral agreement. Where a foreign state imposes higher limits, those limits apply under certain conditions.

în statele în care sunt competente birourile naționale auto semnatare ale acordului multilateral

[10] Passenger accident: €6,070,000 ↩

Passengers in the insured vehicle are covered for bodily injury and death, even when the policyholder is at fault for the accident, subject to certain conditions. Coverage is within the overall bodily injury limit of 6,070,000 EUR per accident. Passengers who knew the vehicle was stolen are excluded.

Sunt acoperite, ȋn anumite condiţii, inclusiv persoanele aflate în ma șina ta, chiar dac ă tu ești vinovat de producerea accidentului.

[11] Bodily injury liability: €6,070,000 ↩

Covers proven damages suffered by third parties for bodily injury or death, including non-patrimonial damages (moral damages), per event regardless of the number of injured persons. Limit: 6,070,000 EUR equivalent in RON at BNR exchange rate on accident date.

[12] Property damage liability: €1,220,000 ↩

Covers proven material damages suffered by third parties per event, regardless of the number of injured parties. Includes costs to restore the damaged vehicle to pre-accident condition, costs of vehicle transport to the repair shop if the vehicle cannot move on its own, loss of use of the damaged vehicle, diminution in value after repairs, registration/deregistration costs, court fees for property damage outside the at-fault vehicle, and stamp duty costs. Limit: 1,220,000 EUR equivalent in RON at BNR exchange rate on accident date.

[13] Legal defence: Covered ↩

Court costs and/or alternative dispute resolution costs related to damage or destruction of property outside the at-fault vehicle, and for property inside the at-fault vehicle provided those items were not being transported under a contractual relationship with the vehicle owner/user and did not belong to the owner, user, or driver responsible for the accident. No separate monetary limit stated; covered within the overall property damage liability limit.

[14] Green card: Covered ↩

The RCA policy is valid in Romania, EU member states, EEA member states, Switzerland, and transit states connecting two EU member states. The countries where RCA coverage is valid are listed on the Green Card document attached to the policy. For accidents outside Romania the legislation and compensation limits of the respective state apply. Asirom RCA policies automatically include Green Card coverage for travel outside Romania within the specified territories.

[15] Passenger accident: Covered ↩

Passengers of other vehicles and pedestrians injured as third parties in an accident caused by the insured vehicle are covered under the bodily injury liability coverage up to 6,070,000 EUR per event. Passengers of the at-fault vehicle are also covered as third parties (they are not the owner/user/driver responsible for the accident). Note: this is third-party liability cover, not a standalone passenger accident benefit.

[16] Bodily injury liability: €6,070,000 ↩

Covers bodily injury and death caused to third parties by insured vehicle accidents, including non-pecuniary (moral) damages. Limit: 6,070,000 EUR per accident regardless of the number of injured persons. Family members of the insured, the driver, or other persons whose civil liability is engaged in the accident are not excluded from receiving benefits for their own bodily injuries.

6.070.000 Euro - pentru vătămări corporale şi decese, inclusiv pentru prejudicii fără caracter patrimonial produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate;

[17] Property damage liability: €1,220,000 ↩

Covers material damages caused to third parties including vehicle repair costs, deregistration and registration costs, stamp duty, costs for limiting the damage, costs related to vehicle value decrease after repairs (evidenced by documents or expert assessment), costs to restore the vehicle to its pre-accident condition, transport costs for a damaged vehicle that can no longer move under its own power, and loss-of-use damages. Limit: 1,220,000 EUR per accident regardless of the number of injured parties.

1.220.000 Euro - pentru prejudicii materiale produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate;

[18] Legal defence: Covered ↩

Court costs incurred by the injured party, and costs related to alternative dispute resolution where the outcome is favorable to the injured party, are covered within the applicable liability limits. No separate legal defence sublimit is stated.

cheltuieli de judecată efectuate de către persoana prejudiciată sau cheltuieli aferente în cazul soluționării alternative a litigiului dacă soluția este favorabilă persoanei prejudiciate;

[19] Green card: Covered ↩

Automatically included with every RCA policy at no additional premium. Covers all EU/EEA member states plus Iceland, Norway, Liechtenstein, Switzerland, Serbia, Albania, Andorra, Moldova, Turkey, Ukraine, Azerbaijan, Belarus, and Montenegro. For countries not listed (or crossed out) on the Green Card document, a separate additional Green Card or border insurance must be purchased. For accidents outside Romania, compensation limits are determined by the legislation of the respective country.

În cazul în care aveți încheiată o asigurare RCA, pe perioada valabilității acesteia aveți în mod automat și o asigurare Carte Verde valabilă pentru teritoriul statelor membre ale Uniunii Europene precum și pentru teritoriul Islandei, Norvegiei, Liechtenstein, Elveției, Serbiei, Albaniei, Andorei, Moldovei, Turciei, Ucrainei, Azerbaijan, Belarus, Muntenegru fără a plăti nici o primă de asigurare suplimentară.

[20] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured vehicle are covered as third-party injured persons under the bodily injury liability limit (6,070,000 EUR per accident). There is no separate passenger accident sublimit; coverage is subsumed within the bodily injury liability cover. Family members of the insured or driver are explicitly not excluded from claiming for their own bodily injuries.

[21] Bodily injury liability: RON 31,926,210 ↩

Maximum indemnity limit for bodily injury and death caused to third parties in a motor vehicle accident. Equivalent to the EU-mandated minimum of EUR 6,070,000 at the applicable exchange rate. If the legislation of the EU member state where the accident occurred imposes a higher limit, that higher limit applies.

[22] Property damage liability: RON 6,434,740 ↩

Maximum indemnity limit for material damage caused to third parties in a motor vehicle accident. Equivalent to the EU-mandated minimum of EUR 1,220,000 at the applicable exchange rate. If the legislation of the EU member state where the accident occurred imposes a higher limit, that higher limit applies.

[23] Legal defence: Covered ↩

Court costs incurred by the injured third party, and costs related to alternative dispute resolution where the outcome is favourable to the injured party, are covered as part of the base RCA coverage, with no separate stated sublimit.

[24] Green card: Covered ↩

Coverage extends internationally via the policy's territorial scope to EU member states, EEA states, Switzerland, states between two EU member states without a national bureau, and countries whose national bureaus have signed the Multilateral Agreement. Coverage applies in states whose symbols are not crossed with 'X' in the policy contract.

Asigurarea este valabilă pe teritoriul statelor ale căror simboluri din formularul contractului RCA nu sunt barate cu ”X”.

[25] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured vehicle are covered as injured third parties under the base RCA liability coverage for bodily injury and death, up to the statutory limit. No separate per-passenger sublimit is stated in the IPID.

[26] Bodily injury liability: RON 31,926,210 ↩

Covers third-party bodily injury and death claims, including non-patrimonial damages, arising from one and the same accident regardless of the number of injured persons, up to the statutory minimum limit of 31,926,210 RON (lei), as set by Law 132/2017, Art. 6(4)(b).

pentru vătămări corporale şi decese, inclusiv pentru prejudicii fără caracter patrimonial produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire se stabileşte la un nivel de 31.926.210 lei.

[27] Property damage liability: RON 6,434,740 ↩

Covers third-party property damage claims arising from one and the same accident regardless of the number of injured persons, up to the statutory minimum limit of 6,434,740 RON (lei), as set by Law 132/2017, Art. 6(4)(a). Includes costs of restoring the vehicle to its pre-accident condition, loss-of-use damages including temporary vehicle replacement, costs of transporting the damaged vehicle, and damage caused by devices or installations fitted to the vehicle.

pentru prejudicii materiale produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire se stabileşte, pentru accidente, la un nivel de 6.434.740 lei;

[28] Legal defence: Covered ↩

Court costs (cheltuieli de judecată) are included as a covered basic risk under the RCA policy. The amount is determined per case within the statutory liability limits.

[29] Green card: Covered ↩

The RCA policy serves as the Green Card for international travel. For passenger cars and light vans (up to 7.5t) it is valid in all EU/EEA states, Switzerland, the United Kingdom, and additionally in Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, and Ukraine. For other vehicle categories the territorial scope is limited to EU/EEA, Switzerland and the United Kingdom.

[30] Passenger accident: Excluded ↩

The optional persons-accident rider (Benefit / Benefit Plus) is explicitly described as covering the driver only; passenger accident coverage is not offered as part of the Generali RCA product or its optional riders.

[31] Bodily injury liability: €6,070,000 ↩

Covers damages for bodily injury or death caused to third parties, including non-patrimonial prejudices, up to 6,070,000 EUR per event (equivalent to 31,926,210 RON at BNR rate on the date of loss), as mandated by Law 132/2017.

Sumele asigurate sunt reglementate în conformitate cu prevederile legale (Legea 132/2017 privind asigurarea obligatorie de răspundere civilă pentru prejudicii produse prin accidente de vehicule) în limita a 1.220.000 Euro pentru pagube materiale și 6.070.000 Euro pentru vătămări corporale și deces.

[32] Property damage liability: €1,220,000 ↩

Covers material damages caused to third parties, including vehicle repair costs, towing to the nearest repair shop, loss of use, court costs and de-registration/re-registration fees, up to 1,220,000 EUR per event (equivalent to 6,434,740 RON at BNR rate on the date of loss), as mandated by Law 132/2017.

Sumele asigurate sunt reglementate în conformitate cu prevederile legale (Legea 132/2017 privind asigurarea obligatorie de răspundere civilă pentru prejudicii produse prin accidente de vehicule) în limita a 1.220.000 Euro pentru pagube materiale și 6.070.000 Euro pentru vătămări corporale și deces.

[33] Legal defence: Covered ↩

Court costs incurred by the injured third party in proceedings against the at-fault driver are covered under the RCA policy, provided the outcome is favorable to the injured party. Also covers costs related to alternative dispute resolution.

cheltuieli de judecată efectuate de către persoana prejudiciată sau cheltuieli aferente în cazul soluţionării alternative a litigiului dacă soluţia este favorabilă persoanei prejudiciate

[34] Green card: Covered ↩

Green Card coverage is automatically included as an integral part of the RCA policy. It covers material damages and/or bodily injury or death caused to third parties in accidents occurring in Green Card member countries. Compensation limits are determined by the legislation in force in each respective country. Excluded countries for all vehicles: Azerbaijan, Israel, Iran, Morocco, Russia, Tunisia.

Polița Carte Verde este parte integrantă a poliței RCA şi se cumpără automat odată cu aceasta. Acoperirea prin asigurarea Carte Verde acoperă daune materiale și / sau decese ori vătămări corporale, fiind echivalentul poliței de asigurare RCA în afara granițelor României.

[35] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured vehicle are covered as third parties under the bodily injury liability of the RCA policy, up to the statutory limit of 6,070,000 EUR per event.

prejudiciile produse bunurilor transportate, dacă între proprietarul sau utilizatorul vehiculului care a produs accidentul ori conducătorul auto răspunzător și persoanele prejudiciate a existat un raport contractual la data producerii accidentului

[36] Bodily injury liability: RON 31,926,210 ↩

Covers bodily injury or death of third parties, including non-patrimonial damages, caused in one and the same accident regardless of the number of injured persons. Limit: 31,926,210 RON per accident.

Pentru vătămari corporale şi decese, inclusiv pentru prejudicii fără caracter patrimonial produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire este de 31.926.210 Lei.

[37] Property damage liability: RON 6,434,740 ↩

Covers material damage to third parties' property caused in one and the same accident regardless of the number of injured persons, including re-registration costs, stamp taxes, costs of limiting the damage, depreciation costs after repair, costs of restoring the vehicle to pre-accident condition, court expenses, transport costs of the damaged vehicle. Limit: 6,434,740 RON per accident.

Pentru pagubele materiale produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate, limita de despăgubire este de 6.434.740 Lei.

[38] Legal defence: Covered ↩

Court expenses incurred by the injured party and expenses related to alternative dispute resolution (if the outcome is favourable to the injured party) are covered within the property damage liability limit. Separate standalone legal defence cover is not provided; costs are subsumed within the overall liability limits.

cheltuieli de judecată efectuate de către persoana prejudiciată sau cheltuieli aferente în cazul soluţionării alternative a litigiului, dacă soluţia este favorabilă persoanei prejudiciate

[39] Green card: Covered ↩

Coverage applies in 42 of the 47 Green Card system member countries (Russia, Belarus and Iran are excluded). The territory is the one shown on the Green Card document.

Ești acoperit pe teritoriul României și în străinătate, în România și în 42 din cele 47 de țări membre ale sistemului Carte Verde, excepție fac Rusia, Belarus și Iran.

[40] Passenger accident: Covered ↩

Bodily injury and death of passengers and other third parties caused by the insured vehicle are covered under the bodily injury liability limit (31,926,210 RON). Family members of the insured, the driver, or any other person whose civil liability is engaged in a vehicle accident are not excluded from coverage for their own bodily injuries.

Membrii familiei asiguratului, conducătorului auto sau oricărei altei persoane a cărei răspundere civilă este angajată într-un accident de vehicule şi este acoperită de asigurarea obligatorie RCA nu sunt excluşi de la beneficiul asigurării pentru propriile lor vătămări corporale.

[41] Bodily injury liability: €6,070,000 ↩

Covers compensation for physical injuries, disabilities or deaths caused to third parties in a road accident, including related moral damages. The maximum compensation limit in Romania is 6,070,000 EUR per accident, regardless of the number of injured parties.

Acoperă compensațiile pentru vătămări fizice, dizabilități sau decese cauzate terților într-un accident rutier, inclusiv daune morale aferente.

[42] Property damage liability: €1,220,000 ↩

Covers material damages caused to third parties, including vehicle repair costs, total loss, deregistration costs and emergency expenses. The maximum compensation limit in Romania is 1,220,000 EUR per accident, regardless of the number of claimants.

Oferă acoperire pentru daune materiale cauzate terților, inclusiv costuri de reparație, daune totale, radiere și cheltuieli de urgență.

[43] Legal defence: See details ↩

Legal defence coverage is not mentioned as a component of the Hellas Direct RCA product in any of the official sources reviewed.

[44] Green card: Covered ↩

The RCA policy issued by Hellas Direct also functions as the Green Card (Carte Verde), covering third-party bodily injury and material damage claims. Accidents outside Romania must be reported to [email protected], and compensation limits for such accidents are set according to local legislation.

Asigurarea RCA (Carte Verde) acoperă vătămările corporale și daunele materiale ale terților în accidente.

[45] Passenger accident: Conditional ↩

Passengers of the at-fault vehicle who are injured in an accident may be compensated as third parties under the RCA policy, provided they are not the policyholder or a person excluded under law. Coverage is conditional on the passengers being considered third-party claimants under Romanian law.

[46] Bodily injury liability: €6,070,000 ↩

Covers bodily injury or death of third parties caused by an insured vehicle accident, including non-patrimonial damages. Maximum indemnification limit: 6,070,000 EUR (equivalent to 31,926,210 RON) per accident event, or the limit imposed by the legislation of the member state where the accident occurred if higher.

6.070.000 euro, pentru vătămări corporale şi decese

[47] Property damage liability: €1,220,000 ↩

Covers damage to vehicles or other property belonging to injured third parties, including loss-of-use damages and transport of the damaged vehicle to the nearest assessment centre or repair unit. Maximum indemnification limit: 1,220,000 EUR per accident event, or the limit imposed by the legislation of the member state where the accident occurred if higher.

1.220.000 euro, pentru pagube materiale

[48] Legal defence: Covered ↩

Court costs incurred by the injured party are covered as part of the RCA indemnification, in accordance with applicable legislation. No separate monetary limit stated beyond the overall liability caps.

cheltuielile de judecata efectuate de persoana prejudiciata

[49] Green card: Covered ↩

The RCA policy extends coverage to Green Card member states (subject to country exclusions listed in territorial scope). Coverage applies at the higher of the Romanian policy limits (EUR 6,070,000 for bodily injury/death, EUR 1,220,000 for property damage) or the limit imposed by the legislation of the state where the accident occurred.

Asigurarea este valabilă pe teritoriul României, pe teritoriul statelor membre ale sistemului “CARTE VERDE”, cu excepția: Albania, Azerbaijan, Belarus, Iran, Maroc, Moldova, Macedonia, Rusia, Tunisia, Turcia, Ucraina

[50] Passenger accident: Conditional ↩

Bodily injury or death of third-party passengers caused by the insured vehicle is covered under the bodily injury liability limit (6,070,000 EUR). Coverage applies only to passengers who are considered third parties (not the insured driver). Passengers of the insured vehicle who are injured by the fault of the insured driver are covered as injured third parties.

[51] Bodily injury liability: €6,070,000 ↩

Covers bodily injuries or death of third parties, including non-pecuniary (moral) prejudice, produced in one and the same accident regardless of the number of injured persons. Maximum limit is 6,070,000 EUR (equivalent in RON at BNR exchange rate on the date of accident).

6.070.000 EUR (echivalent în Lei la cursul de schimb al pieței valutare la data producerii accidentului, comunicat de BNR) pentru vătămări corporale și decese, inclusiv pentru prejudicii fără caracter patrmonial produse în unul și același accident, indiferent de numărul persoanelor prejudiciate ;

[52] Property damage liability: €1,220,000 ↩

Covers material damages to third-party vehicles and property produced in one and the same accident, regardless of the number of injured persons. Maximum limit is 1,220,000 EUR (equivalent in RON at BNR exchange rate on the date of accident). Also covers costs for restoring the damaged vehicle to pre-accident condition, losses due to lack of use of the damaged vehicle, court costs of the injured party, and transportation costs of the damaged third-party vehicle where it cannot move under its own power.

1.220.000 EUR (echivalent în Lei la cursul de schimb al pieței valutare la data producerii accidentului, comunicat de BNR) pentru prejudicii materiale produse în unul și același accident, indiferent de numărul persoanelor prejudiciate;

[53] Legal defence: €1,220,000 ↩

Court costs incurred by the injured third party are covered within the RCA indemnity limits, as explicitly stated in the IPID. The insurer covers costs of experts engaged by the insurer. Separate legal defence costs for the insured policyholder are not stated as a distinct sublimit.

Cheltuieli de judecată efectuate de către persoana prejudiciată

[54] Green card: Covered ↩

The RCA policy serves as the Green Card and validates on the territory of Romania, EU member states, EEA territories, and territories directly connecting two EU member states where no National Bureau exists. Validity is confirmed by country symbols not crossed out on the policy form.

Asigurarea validează pe teritoriul statelor ale căror simboluri nu sunt barate/tăiate cu ”X” pe formularul Poliței de asigurare (Carte Verde).

[55] Passenger accident: Covered ↩

Passengers injured in an accident caused by the insured vehicle are covered as third-party injured persons under the RCA bodily injury and property damage limits. They are not excluded from coverage and can claim compensation for bodily injury, death, and material damage up to the statutory limits. Separate per-passenger sublimits are not stated; the per-accident aggregate limit applies.