The changes entered into force in auto insurance

From February 5 to take effect changes in motor liability insurance and motor vehicle owners to third parties.

About them at the press conference told the lawyer, a partner at the law firm «EXANTE» Julia Szeged and Head of Corporate Security Insurance Company "Garant-Auto" Constantine lonely.

Julia Szeged said: "From February 5 to take effect and there are further changes to the law on compulsory insurance of civil liability of owners and drivers of motor vehicles. These changes are not only motorists and insurers, but for all citizens who are just walking around the streets or in public transport move as passengers, and, unfortunately, sometimes get into an accident. And these changes are just the most important to the people who have been injured in an accident.

The most important thing - setting minimum required rate of insurance payments to victims. Moreover, the policy of so-called "Motor" introduced the concept of minimum mandatory compensation for moral damages to the victims. Prior to this moral hazard insurance companies do not reimburse.

But it is important to understand that all of these mandatory minimum payments apply only to contracts concluded on February 5 and later.

The minimum required rate of insurance payments are as follows:

1. The treatment of victims of road accidents - 1/30 of the minimum wage in the day, but not more than 120 days of treatment, which now stands at 4,407.60 hryvnia.

2. Upon receipt of disability group I - 36 times the minimum wage or 39672 hryvnia.

3. Upon receipt of the disability group II - 18 times the minimum wage or 19836 hryvnia.

4. Upon receipt of the disability group III - 12 times the minimum wage or 13224 hryvnia.

5. In case of road accident victims become disabled child - 18 times the minimum wage or 19836 hryvnia.

6. In case of death of the victim in the accident - 36 times the minimum wage or more and 39672 hryvnia hryvnia 13224 compensation to the relatives for burial of the deceased in the accident.

Not all of the costs of hospital care can be documented. But now legally set minimum payments that are guaranteed to get the injured person.

If an accident without the affected people, the drivers, in accordance with a 2011 changes can make yourself an accident. If there are victims, traffic police called mandatory.

If the amount of damage to the victim or his car exceeds the minimum amount of insurance payments, the insurance company is financially responsible under specified in the policy of the sum insured, and all that is not enough for full compensation, the aggrieved party may recover from the guilty party to court if documents confirming the amount of damage.

Compensation for moral damage, according to the innovations are paid by the insurance company without fail at a rate of 5% of the fixed amount of damage to property. If the accident has died, his family paid 13,224 hryvnia moral damages. "

Constantine Lonely added: "The package of documents for the insurance payment includes: a statement of the insured event, a copy of driver's license, passport, taxpayer code, a copy of the court decision, which clearly defined fault of our client, or lack thereof, and details of the victim, if the guilt in court proof of where you want to make an insurance payment.

Insurance payment must be made within 15 days after the establishment of the final amount of material damage. But it is important to understand that a significant acceleration of the timing of payment will not occur. Court of accident usually occurs in Dnepropetrovsk, a month after the actual accident. Determining the amount of the damage caused by our client can only start after the SC copy of the court, not before. That is, ideally, the payment can be made within 31 to 45 days after the fact of the accident.

In real life, as experience shows, because the client usually does not immediately bring any documents or his car and the car of the injured party is in another city, or the client does not immediately figure out where to transfer the money to the victim or the victim starts to challenge the amount of the insurance payments for property damage, that is to say, all this may take up to 90 days from the date of determining the amount of the insurance payment.

Also, it is important for drivers to understand that since February 5, insurers need to 5 times to increase payments to the Fund to guarantee insurance payments, and the cost insurers increase significantly. This means that the rate of liability insurance also will rise. I think that at least a third. "