In Ukraine, the payment system for 'auto civil liability' will change: what drivers need to know.

Mandatory damage settlement for OSAGO policies

Starting January 1, 2025, Ukraine will introduce mandatory direct damage settlement for OSAGO policies for all insurance companies. This will simplify the process of receiving compensation after a car accident, reports 'Ekonomichna Pravda' referring to information published by 'Hvylya'.

According to the new system, if an accident occurs, the driver will contact their insurance company to receive payment, instead of reaching out to the insurer of the party at fault, as is currently practiced.

The new rules will apply in cases where only two vehicles were involved in the accident, and only the victim's car was damaged. In the event of bodily injury to the victim, it will be necessary to contact the insurer of the party at fault.

'This mechanism will significantly simplify and accelerate the process of receiving insurance payments. Previously, victims often faced problems interacting with the insurance companies of the parties at fault in accidents, which could prolong the payment process for months,' explained member of the board of the insurance company INGO Viktor Shevchenko.

Changes to the rules for filling out a European Protocol

In addition, the rules for filling out the European Protocol will change. According to the new law, the limit on the amount of compensation under the European Protocol is removed, although the National Bank can set its own limits. If the NBU does not set any restrictions, the maximum amount of compensation for property damage will be 250 thousand hryvnias.

It should be noted that drivers were explained why police patrols peek over their shoulders after stopping a car.