Is your car's OSAGO policy genuine road protection or just a formality?

The purpose of acquiring this insurance is to protect the financial liability of the driver and cover damages caused to other road users. It is mandatory for all vehicle owners in Ukraine. The absence of such a policy may result in the at-fault party being required to compensate the victims in the event of an accident. It is crucial to arrange this agreement in a timely manner—this way, you not only comply with legal requirements but also safeguard your financial interests.

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How to Choose Insurance So It Doesn't Become a Mere Formality

Unfortunately, road accidents happen, often resulting in vehicle damage and personal injuries. Therefore, protecting health and property is a significant concern for every car owner. Auto insurance is designed to help address this issue. However, to ensure that your auto liability insurance does not turn into a mere formality, it is essential to carefully consider which company and under what conditions you plan to sign the agreement.

For example, purchasing an OSAGO policy from UNIQA insurance company allows the vehicle owner to relax about damage compensation if an accident occurs due to their fault. In this case, the insurance company will cover repair costs or medical expenses for the injured parties up to the established limit. Conversely, if your vehicle is damaged due to another driver's actions, their insurance company will compensate you for the damage.

A reliable insurer guarantees compensation when needed. An example is UNIQA insurance company, which has been successfully operating in Ukraine for 30 years. Its full history dates back to 1811 when the European insurance group UNIQA Insurance Group was founded. UNIQA has been awarded the gold medal Customer's Friend Superior Excellence by ICERTIAS for its high service standards. Today, the company actively develops online services, allowing clients to arrange policies, submit claims, and manage their policies remotely. UNIQA clients can expect support during the most challenging moments of their lives.

Auto insurance from UNIQA addresses important tasks:

• protects the finances of policyholders;


• supports drivers, passengers, and other road users;


• ensures access to quality medical treatment for the injured;


• helps quickly resolve disputes on the road.

Having insurance does not prevent accidents but provides confidence to drivers and passengers. They know that there is an organization ready to assist them in difficult times.

Additional Programs for Driver Liability Protection

The standard OSAGO policy covers the liability of the vehicle owner and assists the injured in receiving compensation in case of an accident. Based on this agreement, the injured party can receive a maximum compensation of 160,000 UAH for repairing the damaged vehicle and up to 320,000 UAH for medical expenses. In cases of high repair costs, the remaining expenses fall on the at-fault party.

Additional insurance helps reduce the risk of such unexpected expenses. For instance, UNIQA offers the “My Auto Liability+” program, which provides additional compensation to the injured driver ranging from 150,000 to 1.5 million UAH.

Another program, “My Protection from Others' Mistakes,” allows for a fixed payout of 160,000 to 500,000 UAH for the repair of your own vehicle. With additional insurance, drivers can feel more secure on the road, knowing their financial interests are protected. This flexibility in preparing insurance programs is yet another testament to UNIQA's reliability.

How to Arrange Auto Liability Insurance

Today, insurance companies strive to enhance their online services, making policy purchases simpler and more accessible. This is particularly relevant during wartime when not all offices operate normally. At the same time, digital insurance has become a full-fledged legal document. The patrol service can easily verify the existence of a policy in the MTSBU database using the insurance number or vehicle number.

You can arrange a policy on the official website of UNIQA insurance company. In a special section, select the program, fill out the questionnaire, and make the payment. Within 3-5 minutes, the electronic policy will be sent to your email, and the information will automatically appear in the MTSBU database and be displayed in the “Diia” app.

What to Do After an Accident to Receive Insurance Payouts

To avoid worrying about receiving insurance compensation after an accident, it is important to know how to act. Try to follow these rules:

• immediately after the accident, inspect the scene; first, ensure that no one is injured. If there are injuries, provide first aid and call an ambulance;


• assess the material damage and determine the at-fault party. If it was a minor collision with damages estimated at around 80,000 UAH or less, you may not need to call the police. In such cases, the accident can be documented using a European protocol, which can be filled out online on the MTSBU website;


• in significant accidents and disputed cases, call the patrol service;


• inform your insurer about the incident. You can receive guidance on further actions at the scene. If you did not do this immediately, submit a claim for the insurance event within 3 working days;


• document the accident scene, photograph the damages, and fill out the European protocol either by yourself or with the help of the police.

After this, you must submit all required documents to the insurance company within three days. If the policy was purchased from a reputable insurer, there should be no issues with receiving compensation.

What Will Change in Auto Insurance in 2025

Starting January 1, 2025, a new Law on Mandatory Auto Insurance will come into effect in Ukraine, with key provisions aligned with European standards. Among the major innovations:

• increased maximum compensation: up to 500,000 UAH for damage to life and health, and up to 250,000 UAH for property damage;


• reduction of the decision-making period for payouts to 60 days instead of 90;


• introduction of a mandatory direct settlement model, allowing victims to claim compensation from their insurer;


• removal of the compensation limit under the European protocol;


• insurers will have the ability to set their own rates;


• transition to an electronic format for contract arrangements. In 2025, both digital and paper versions will coexist, with only electronic policies being retained from 2026, which will be recorded in a single database.

These measures will make insurance more convenient and transparent, providing more options for drivers and ensuring quick and fair compensation. Clients will be able to choose their insurer based on price and service quality. This should enhance competition in the market. All this underscores the commitment of the state and reliable insurers to increase drivers' trust in mandatory auto insurance, proving that a policy is real assistance, not just a formality.