What must the insurer do
after receiving
a REMA report?

01 / Medical evidence

The REMA report
in an RCA claim.

Prepared by a competent medical expert assessor under the joint trauma score order, the report is important medical evidence for amicable assessment of bodily injury.

It does not itself determine fault, legal liability, policy validity, every category of harm, a final uncontestable amount or the outcome of litigation.

02 / Proof of filing

The insurer must register the report.

Documents filed by the injured person must be entered in the claim. It should be possible to prove the transmission date, claim number and exact annexes.

• claim number;
• date the report was sent;
• complete report and annexes;
• date of the compensation request;
• registration number, if communicated;
• later additions.

Keep the sent email, receipt, platform confirmation or registered copy. A telephone conversation does not provide the same traceability.

03 / Separate step

Filing the report does not replace
the compensation request.

Notification, opening the claim, sending the REMA report and submitting the compensation request may coincide, but are not automatically identical. The 30-day period in Law no. 132/2017 is linked to the request, not merely to the report.

04 / Review of the file

The report must be analysed,
not merely received.

Review may cover the examined person, accident, author's competence, medical records, injuries, causation, complications, permanent consequences and scoring method. The insurer may compare it with the rest of the file, including prior conditions or later events.

The insurer does not rewrite the report in place of its author. It may request clarification or additional documents, but a general statement that “the score is not accepted” without case-specific reasons is not transparent.

Requests for additions should identify the document and its role. They may concern the accident, medical records, expenses, lost income or clarification from the assessor. See also Road Police documents for the claim.

05 / Statutory period

The 30 days begin
with the compensation request.

Within 30 days after the request, the RCA insurer must either make a written, justified compensation offer where liability is proven and harm quantified, or give written reasons for rejecting the claim in whole or part.

1. 1

   Report filed before the request

   Send a distinct compensation request referring to the report and supporting evidence.

2. 2

   Report accompanies the request

   Retain proof of the transmission date to track the period.

3. 3

   Report supplements an earlier request

   It becomes part of the evidence; the effect of completion depends on the contents of the request and file.

Silence does not automatically accept every amount claimed, but the law provides consequences for improper settlement.

06 / Reasons

The offer should explain
the calculation.

For bodily injury or death, the offer should state the detailed calculation and reference sources. In a trauma-score file, it should allow the reader to understand:

• the trauma score used;
• the value of a point and reference date;
• adjustments and reasons;
• excluded injuries or consequences and reasons;
• any contribution by the injured person;
• other accepted or rejected heads of loss;
• the total and its structure.

Under Law no. 132/2017, one traumatic point equals twice the gross national minimum basic salary at the accident date—not automatically the salary at the report or offer date. See how the score is calculated.

The insurer may take a different position for concrete reasons such as weak causation, missing documents, inconsistencies, an unstabilised consequence or an unclear pre-existing condition. Disagreement does not automatically invalidate the report.

07 / Accepted offer

When compensation must be paid.

After written acceptance, compensation must be paid within 10 days, according to the injured person's instructions and applicable law.

08 / Undisputed sum and review

If only part is disputed.

Where the parties disagree on the amount, the undisputed sum should be paid before the difference is resolved by negotiation, alternative dispute resolution or court.

• ask the insurer to identify the recognised sum;
• request payment of the undisputed part;
• request the calculation and sources;
• seek concrete reasons for the rejected difference;
• review acceptance documents carefully.

ASF Rule no. 20/2017 also permits reassessment after payment on the basis of later supporting documents. The insurer must respond within 10 working days by paying the justified difference or giving written reasons for refusal. New medical records, complications, stabilised permanent consequences or later expenses may be relevant.

09 / Delay

Investigation limits and penalties.

A special investigation into the insured event may be opened where there are sound indications, subject to statutory notice and reasoned-result rules. It is different from medical review of REMA.

The law provides a penalty of 0.2% for each day of delay where the insurer fails to pay on time, performs its duties improperly, unjustifiably reduces compensation or delays payment. The calculation relates to the sum due or unpaid difference. Filing REMA alone does not automatically generate penalties.

If disagreement continues, request a detailed insurer response, calculation and payment of the undisputed sum. Internal complaints, ASF, SAL-Fin, assisted negotiation or court may be available. ASF reviews regulatory compliance but does not replace a court in finally determining disputed harm.

10 / Practical checklist

What to track after
sending the report.

• proof of transmission and the complete REMA report;
• the written compensation request;
• list of annexes;
• claim number and registration date;
• requests for additions;
• detailed offer or reasoned response;
• score and point value used;
• reasons for exclusions or adjustments;
• proof of written acceptance;
• proof of payment and all correspondence.

11 / Frequently asked questions

Important clarifications.