期刊名称：Annales Universitatis Apulensis : Series Oeconomica
印刷版ISSN：1454-9409
出版年度：2011
卷号：1
期号：13
出版社：“1 Decembrie 1918” University of Alba Iulia
摘要：Insurance coverage is mandatory for the motor’s owners. Analyzing the condition of the insurance market trough 2010, by the gross written insurance premiums and the losses compensations in the same period, the study analyzes the Romanian bonus-malus system, by comparing it with the bonus-malus system of other states. The study reveals the impact of bonus-malus clause, and also the impact of the economic and financial crisis upon insurance market, the insufficiencies of the MTPL system and the ways of improving it. In the last part of this study, we analyze the future changes that the insurance companies have to make in according with the elimination of the discrimination trough gender in this insurance field.<
关键词：mandatory insurance; insurance premium; Romanian bonus-malus system
