The car insurance process has undergone quite significant changes in 2025. You can read more about what has changed in this process by following the link, but it is worth talking in more detail about insurance compensation. After all, the innovations have had a significant impact on its calculation, amount, and timing of payments.
Insurance payment under OSAGO in 2024 and 2025 - what's wrong?
As every driver knows, many factors affect the amount of compensation and the procedure for its payment. However, starting in 2025, this steady process began to take place in a different way.
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Indicator |
2024 |
2025 |
|
Compensation |
160 thousand UAH if there was damage to property. 320 thousand UAH if there was damage to health or life. There is a deductible of up to UAH 3200. |
250 thousand UAH per victim if there is damage to property. 500 thousand UAH per victim if there is damage to health or life. There is no deductible. |
|
Calculation |
The machine wear factor is taken into account. An appraiser's report or an agreement with the victim is used to assess the damage. The victim receives payments to his or her account, which reduces VAT. It is possible to receive a VAT refund after the repair. |
Car wear and tear is not taken into account. The payment can be made immediately at the service station. There is no VAT deduction. If there is a refusal from the service station, the payments are reduced by VAT, the amount of which can be returned after the repair. There is compensation for tow truck services. When a car cannot be restored, the amount of payment is equal to the difference between its market price before the accident and the residual price after the accident, which is determined by an expert or auction. |
|
Amount of compensation |
The basis for determining the amount is the expert's calculation. |
It can be determined by the expert, the insurance company, or by agreement with the victim. |
|
Terms of payment from the moment of receipt of the application and documents |
90 days |
60 days |
Why can they not pay?
It is not always possible to get payments from the insurance company. There are certain cases when it does not compensate anything. These include:
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damage to the health and car of the person responsible for the accident;
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antique, religious, collectible, precious and similar items are damaged;
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damage to the car during riots, terrorism or hostilities;
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the victim deliberately provoked the accident;
-
the application for compensation was filed late.
How to take out a car insurance policy profitably?
The main question for car owners is where to take out a car insurance policy? And the best solution is to order a car policy from KIRINS insurance agency, because we provide official insurance at good prices.