Civil auto liability insurance (RCA) policies represent the most important business line for insurers, but besides revenues, these also bring significant expenses for many companies. The ten biggest companies selling auto liability insurance policies last year settled claims worth between 21 and 90 RON for each 100 RON collected in from insured persons, according to a ranking drawn up by ZF on the basis of data reported by companies. Against two years ago, expenses per each RON collected have risen in the case of all companies, considering the average claim for auto liability insurance has gone beyond 1,000 euros. In the past four years, the average claim on the auto liability segment has doubled. On the other hand, auto liability policy prices have also registered steady growth in the past few years, with only the companies eyeing a rapid market share increase embracing a more aggressive rate policy. In the case of all surveyed companies, the ratio between settled claims and gross premiums is sub-unitary, but insurers still say they generate losses from auto liability insurance sales. This happens as expenses related to policy acquisition and management expenditures are added to claims settled.

Civil auto liability insurance (RCA) policies represent the most important business line for insurers, but besides revenues, these also bring significant expenses for many companies. The ten biggest companies selling auto liability insurance policies last year settled claims worth between 21 and 90 RON for each 100 RON collected in from insured persons, according to a ranking drawn up by ZF on the basis of data reported by companies. Against two years ago, expenses per each RON collected have risen in the case of all companies, considering the average claim for auto liability insurance has gone beyond 1,000 euros. In the past four years, the average claim on t