Wann die Kfz-Versicherung nicht greift: In welchen Fällen kann der Fahrer verpflichtet werden, 100 % der Versicherungsentschädigung zu zahlen?

Jeder Fahrer in der Ukraine ist verpflichtet, eine Kfz-Versicherung abzuschließen, aber nur wenige wissen, dass in einigen Fällen die Versicherung völlig ungültig werden kann. Wenn Sie das Gesetz oder die Vertragsbedingungen verletzen, hat die Versicherungsgesellschaft das Recht, die Rückzahlung des gesamten Entschädigungsbetrags zu verlangen. Erfahren Sie, in welchen Situationen ein Fahrer verpflichtet sein kann, 100 % der Versicherungszahlung zu leisten und wie Sie solche Risiken vermeiden können.

Beantragen Sie eine Kfz-Versicherung bei Visit Ukraine - garantierter Schutz auf der Straße in nur 5 Minuten!

JETZT NEHMEN

According to Ukrainian law, every vehicle on public roads must have motor third-party liability insurance. However, there are situations when a vehicle is not covered by insurance, and in such cases, the driver risks being required to reimburse the entire amount of compensation paid by the insurance company. This was reiterated by the Motor Transport Insurance Bureau of Ukraine, according to Ukravtoprom.

Take out a motor third party liability insurance online in 5 minutes and feel confident on the road!

When is recourse from insurance possible?

The MTIBU and insurance companies have the right to demand full reimbursement from the driver if the accident occurred under the following circumstances:

▪️ Intentional commission of an accident — except in extreme cases, such as necessary defence or life-saving actions.

▪️ Driving while intoxicated, under the influence of drugs or medication that impairs attention.

▪️ Driving without a licence — without a driving licence.

▪️ Fleeing the scene of an accident.

▪️ Refusal to undergo a medical examination.

▪️ Driving a technically faulty vehicle that could have directly contributed to the accident.

▪️ Using the vehicle to commit a crime.

▪️ Transporting passengers or goods for a fee if the policy was issued with a 50% discount (usually for personal use).

What can the insurance company demand if the rules are violated?

If the driver has violated the law or the terms of the MTPL agreement, the insurance company or the MTIBU has the right to:

1. Refuse to pay insurance compensation, or

2. Demand recourse — a refund of 100% of the compensation previously paid.

If one of the above violations is detected, the insurance contract is cancelled from the moment of the accident, and compensation will be recovered in full.

Read also: The person responsible for the accident fled the scene: how to get compensation under MTPL?

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Who is required to have MTPL?

According to Ukrainian law, every car, regardless of its registration status in Ukraine (including temporarily imported cars), must have MTPL insurance.

MTPL covers damages to third parties (material, moral, life/health) within the limits.

In the absence of a policy, invalidity or bankruptcy of the insurer, payments are made by the MTIBU, but in exceptional cases provided for by law.

Advantages of purchasing motor insurance online through Visit Ukraine

– Speed and convenience. You can purchase a policy in a few minutes without having to visit an office.

– Comparison of offers. The portal presents options from different insurance companies, allowing you to easily choose the best policy.

– A unified pricing policy with service station partners, which guarantees the repair of the victim's car.

– One of the best contact centres in Ukraine, providing information support.

– One of the best settlements in Ukraine, guaranteeing protection of the budget of the insured/person responsible for the accident.

Don't waste time calling insurance companies!

Get your motor insurance quickly and profitably on the Visit Ukraine portal. Check all offers in one place and choose the best option for your car!

Reminder! Motor third party liability insurance (OSAGO) and Mini Casco are Ukrainian insurance policies that cover risks on the roads. Learn more about the difference between insurance policies and the differences in compensation in the event of a traffic accident.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

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