How Much Is Paid Out Under MTPL Insurance in 2026: Real Compensation Amounts

Even a minor road accident can result in considerable financial losses. The repair shop bill often runs into tens, and sometimes hundreds, of thousands of hryvnias. And that is without mentioning the possible need for medical care. So up-to-date information on OSAGO insurance payouts definitely won't hurt.

What payouts do drivers receive under OsAGO insurance in 2026?

Insurance payouts under OSAGO in 2026 fall within set limits.

1. Property damage. You can receive up to 250 thousand per injured party. The upper limit is 1.25 million per insured event.

2. Damage to health and life. Up to 500 thousand per injured party. But no more than 5 million per single event.

For example, if a road accident damaged the victim's car by an assessed amount of 100 thousand, this sum will be paid by the insurance company in accordance with the law and the contract. But if the damages exceed the limit, the maximum possible amount will be paid.

What determines the amount of insurance compensation?

When it comes to OSAGO insurance, a driver is guaranteed coverage in the event of a road accident. For example, if the driver caused the crash, the payout goes to the injured party. Conversely, if the driver is the injured party, compensation will be paid to them.

The first half of 2026 has already seen a considerable number of road accidents. An analysis of insurance market data shows that payout amounts vary widely. The smallest sums paid by insurers do not exceed a few hundred hryvnias. Some cases, however, cost hundreds of thousands. The average figure falls within the range of a few tens of thousands.

However, the amount of compensation you receive after a road accident in your particular case depends on several factors. The circumstances of the accident and the nature of the damage caused are taken into account.

Cash Payout or Repairs at a Service Centre?

Most road accidents end with the injured party receiving compensation for the damaged property directly. In other words, the driver has a sum of money transferred straight to their bank account, which they then use to repair their vehicle. There are cases, however, when the compensation is paid directly to the repair shop.

However, it is worth mentioning the new MTIBU-highlighted rules for compulsory OSAGO insurance. Under them, transferring the compensation directly to the repair shop's account is currently the priority. For car owners, this method of compensation is quite advantageous, since the vehicle will be repaired at a professional certified service station and restored to the condition it was in before the accident. More and more car owners are coming to see this benefit, so the share of cases where funds are transferred to the repair shop is gradually growing. Still, since 2025 MTPL has allowed drivers to choose the form of compensation themselves: to arrange the repair directly at a service station or to receive the payment into their own account.

What amounts are paid out for a road accident abroad?

A driver planning a trip abroad in their own car takes out a Green Card policy. It is the equivalent of ordinary motor third-party liability insurance. The policy allows the insurance company to pay compensation to injured parties abroad if the driver is at fault in an accident. There have been quite a few accidents abroad this year. However, while the smallest payouts, just as in Ukraine, amounted to a few hundred hryvnias, the largest reached millions of hryvnias.

Large payout amounts are the norm abroad. The reason is that vehicle repairs are often more expensive there. Labour at a service centre and the spare parts themselves also cost more. On top of that, each country where an accident occurs has its own specifics when it comes to settling the claim.

Who covers the damage if the person at fault has no policy?

If there is an insurance policy, the insurer makes the payments. But even if the party at fault has no valid insurance policy, the injured party is still protected — provided, of course, that they hold an OSAGO policy of their own. In such cases, the obligation to pay compensation falls on the Motor (Transport) Insurance Bureau of Ukraine.

However, not having a policy also carries consequences. A fine of UAH 425 is imposed, and if it is not paid within the next 15 days, it increases to UAH 850.

Conclusion

Even a minor road accident brings costs the driver certainly hasn't budgeted for. That is exactly why an insurance policy acts as the safety cushion that helps you avoid any financial losses and trouble.

You can find the most advantageous policy for yourself on our KIRINS website. We make it possible to compare all available offers by terms and price. We will also be sure to provide a consultation if needed. In addition, we offer such a feature as car insurance online, which allows you to take out a policy right from your home.