Europrotocol without restrictions: how will payments and driver behaviour change in 2025?

Over the past year, Ukrainian drivers have increasingly been filing accident reports without involving the police — using only the Europrotocol. New rules, no limits on payments, and the ability to do everything online have greatly simplified the procedure. Learn more about how payments and terms of use of the Europrotocol have changed in 2025

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More and more Ukrainian drivers are refusing to call the police in minor traffic accidents. Over the past year, Europrotocol has gone from being a little-known tool to the main method of settling accidents.

What exactly has changed and why drivers have begun to trust the system — we explain further in this article.

Every second accident without the police

The Motor Transport Insurance Bureau of Ukraine reports that in the first nine months of 2025, 44.8% of road accidents in Ukraine were settled independently — through Europrotocol. For comparison, a year earlier, such cases accounted for only 37%. This means that almost every second accident today is resolved without the involvement of the police.

The reasons are obvious: less bureaucracy, faster compensation, and confidence that compensation will be paid in full.

New rules with no limit on compensation

The most notable innovation of 2025 is the removal of restrictions on payments under the Europrotocol.

Previously, the maximum amount of compensation could not exceed UAH 80,000. Now it is determined by the insurance contract:

– for policies concluded in 2024 – up to UAH 160,000 per victim;

– for policies issued in 2025 – up to UAH 250,000.

This decision has made the system more fair and flexible, and most importantly, it has restored confidence in insurance as a real tool for financial protection.

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Online registration: traffic accidents are now handled from a smartphone

Another reason for the growth in popularity is the emergence of a convenient electronic Europrotocol.

Now there is no need to fill out paperwork at the scene of the accident. All you need to do is take a photo of the car, describe the circumstances and confirm the data with an SMS code, and the document is automatically sent to the insurance companies of both parties.

This technology significantly reduces the time required for processing and eliminates the risk of errors, as the system itself prompts you which fields to fill in.

Minimum stress – maximum efficiency

The key advantage of Europrotocol is the ability to resolve everything on the spot, without calling the police, protocols or courts. Drivers who have reported an accident in this way do not receive fines and do not lose their licences.

This saves hours of time and nerves, especially when the accident is minor and the person responsible admits their guilt.

How to protect your car in advance?

To use the Europrotocol, the driver must have a valid compulsory civil liability insurance policy (motor insurance). This is what guarantees compensation to the injured party.

You can take out motor insurance online in a few minutes on the Visit Ukraine portal — a service that offers insurance from trusted companies, with instant payment and delivery of the policy by e-mail. It is convenient, reliable and profitable.

Get your motor insurance on Visit Ukraine today — and be sure that even in the event of an accident, you will receive support without any hassle!

Reminder! Motor insurance in Ukraine is compulsory, and every driver is required to have a valid policy. We discuss the top 5 mistakes when purchasing motor insurance in 2025 here.

Photo: generated using Gemini

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