New requirements and risks of driving liability insurance in 2025
On January 1, 2025, a new law on compulsory motorcycle liability insurance has been in force in Ukraine, which introduces new requirements for insurance policies and drivers' liability. This will affect the process of obtaining compensation after an accident and will create new risks for road users.
The insurance lawyer provides legal assistance in resolving disputes with insurance companies and protects clients' rights in the process of receiving insurance payments. The collection of insurance payments provides a legal process that ensures the client's receipt of proper compensation from the insurance company in the event of an insured event.
Question
What is compulsory auto -civil liability insurance?
Respond
Compulsory motorcycle liability insurance is a contract between a driver and an insurance company that provides compensation for damages to the victims in an accident and is obligatory for all owners of vehicles involved in road traffic.
Question
How will new requirements for motorcycle liability insurance will affect drivers in 2025?
Respond
New requirements provide for the increase in the minimum insurance amount and the introduction of a direct loss system.
Question
What is a direct loss system?
Respond
The direct settlement system allows the victims to contact the accident directly to its insurance company to obtain compensation, which simplifies the payment process and shortens the time for consideration.
Question
How will the risks for drivers change after new insurance requirements are introduced?
Respond
Drivers will be forced to better check their insurance policies and interact with new insurance procedures that can affect the speed of compensation.
Recovery for an accident involves receiving compensation for damages, injuries, or losses sustained due to the incident.
The main innovations in the legislation of 2025
New requirements for auto insurance have come into force, including changes in the mechanisms of compensation for losses and the procedure of claims. They provide: raising the minimum insurance amount to cover losses, creating a system of direct settlement of losses, which allows the victim to contact his insurance company without the need to interact with the insurer of the culprit.
One of the consequences of innovations was the increase in the cost of auto -civil liability policies, which has become a problem for many drivers, including those who do not have much financial capacity.
Now all the policies will be electronic, which greatly facilitates their use, because drivers will be able to store them on smartphones and always have at hand.
According to the new law, the maximum amount of payments for the harm of life and health is increased to UAH 500,000 per victim and to UAH 5 million per insured.
According to the new law, the maximum amount of payments for damage to property is increased to UAH 250,000 per victim and to UAH 1.25 million per insurance event.
There is a 50% discount on pensioners, combatants, Chernobyl and other socially vulnerable groups, which makes insurance more accessible to these categories.
Changes in the calculation of payments provide that for cars up to 5 years compensation for repair does not take into account the depreciation of parts, and for older cars payments will be made on the basis of the use of similar spare parts. This allows the owners of new cars to receive larger payments, and the owners of the old - to maintain the quality of repair.
From 2025, the restriction on payments for the Euro Protocol has been abolished, which makes it possible to obtain greater compensation in case of exceeding the previously established limit of insurance amounts.
According to the new provisions, pensioners, combatants, Chernobyl's and other vulnerable categories of citizens will be entitled to 50% discount on a road liability policy, which will help reduce their financial burden.
Categories of citizens who can get a discount:
- Seniors.
Participants of hostilities.
Chernobyl.
Other socially vulnerable categories of citizens.
Compensation for a road liability policy is 50%.
Terms to obtain a discount:
- The vehicle has an engine volume up to 2500 cm³ or the power of the motor up to 100 kW.
The vehicle belongs to the person on ownership.
Use of a vehicle without the purpose of providing paid passenger or cargo transportation services.
The discount can be applied to only one insurer's vehicle under one insurance contract.
Assistance in receiving insurance indemnity by lawyers of the service “Consultant”
Lawyers of the Service "Consultant" provide comprehensive assistance in obtaining insurance indemnity in an accident, including the following services:
- Consultations on insurance indemnity and victims.
Preparation and sue to insurance companies and culprits of road accidents.
Estimation of the amount of losses and assistance in determining the amount of compensation.
Representation of interests in court in case of disputes over insurance payments.
Appeal of refusal of insurance companies in payment or insufficient amount of compensation.
Recovering the difference between insurance payment and actual losses through court.
Supporting the process of obtaining compensation for non -pecuniary damage.
Assistance in resolving issues with compensation for property wear after an accident.
Legal aspects of damages in road accidents, including resolving disputed situations.
Preparation of documentation for submission to court and insurance companies.
The insurance lawyer provides consultations and represents client interests in the process of receiving compensation from insurers. Our lawyers will ensure proper protection of your rights, help collect the necessary documents and reduce the risks when receiving insurance indemnity, and will present your interests at all stages of the process.
An insurance claims lawyer helps you navigate disputes with insurance companies, ensuring you receive fair compensation for your losses. Recover from an insurance company can be a complex process requiring proper documentation and adherence to policy terms.
Changes in 2025 legislation on motorcycle insurance lead to new requirements and risks for drivers. It is important for drivers to understand their rights and responsibilities, and to know how to act properly in the event of an accident to obtain fair compensation. Timely advice of the lawyer and proper registration of documents will help to avoid problems and ensure effective loss of losses.
