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Оbligatory insurance types

Overland transport owner civil and law liability obligatory insurance

Transport owners’ civil liability insurance in most countries is one of obligatory insurance types, and there are reasons for that.

First of all, the vehicle is the source of heightened danger. Civil legislation regulations of the majority of countries around the world in case of RTI make the transport owner responsible for the health or property damage of other (third) parties, except for cases, when such accidents were the result of force-majeure  or the intention of victim. This means that the driver almost always bears civil responsibility in front of third parties in case of RTI. Secondly, such civil and law relations deal with the whole society, have the mass character, because, potentially, each citizen can become the RTI member.

In the majority industrial countries all over the world, legislation on the transport owners civil liability obligatory insurance provides citizens with their constitutional rights on life and property rights security against third parties illegal or other acts.

Index of the RTI consequences seriousness (the ratio of quantity of the dead to 100 victims) in Ukraine is 13, which is 7-10 times higher than in European countries. By the way, in our country occur 200 thousand car accidents, which lead to the material damage of vehicles, road buildings, edifices etc., which means big financial and moral losses. The civil and criminal cases of tens of thousands citizens are taken to courts, the accidents initiators for many years pay compensations to the victims, as a result, the financial situation of both families aggravates. That’s why the Join Stock Company «Insurance Company «Dobrobut ta Zahist» suggests to protect Your interests from unpredicted situations on the road.

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Transport owners’ civil liability insurance in most countries is one of obligatory insurance types, and there are reasons for that.

First of all, the vehicle is the source of heightened danger. Civil legislation regulations of the majority of countries around the world in case of RTI make the transport owner responsible for the health or property damage of other (third) parties, except for cases, when such accidents were the result of force-majeure  or the intention of victim. This means that the driver almost always bears civil responsibility in front of third parties in case of RTI. Secondly, such civil and law relations deal with the whole society, have the mass character, because, potentially, each citizen can become the RTI member.

In the majority industrial countries all over the world, legislation on the transport owners civil liability obligatory insurance provides citizens with their constitutional rights on life and property rights security against third parties illegal or other acts.

Index of the RTI consequences seriousness (the ratio of quantity of the dead to 100 victims) in Ukraine is 13, which is 7-10 times higher than in European countries. By the way, in our country occur 200 thousand car accidents, which lead to the material damage of vehicles, road buildings, edifices etc., which means big financial and moral losses. The civil and criminal cases of tens of thousands citizens are taken to courts, the accidents initiators for many years pay compensations to the victims, as a result, the financial situation of both families aggravates. That’s why the Join Stock Company «Insurance Company «Dobrobut ta Zahist» suggests to protect Your interests from unpredicted situations on the road.

The insurance is operated on the basis of Law of Ukraine on Overland transport owners’ civil liability obligatory insurance from July 01, 2004.
According to this insurance type, the event insured is the event, which resulted in damage, done to the third parties during RTI, occurred with the Insuree’s transport, and it leads to the civil and law liability of the person, whose liability is insured according to the agreement.

The obligatory limitation of the insurance company liability for the victims’ property damage is 25 500 UAH per one victim*.

In case if the total amount of the damage for the one insured event, exceeds fivefold the Insurance carrier liability limitation, compensation to each victim proportionally decreases.

The obligatory limitation of the insurance company liability for the victims' life and health damage is 51 000 UAH per one.
Civil and law liability obligatory insurance agreement are signed according to the following conditions:
1) Liability insurance for damage, done to life, health,  property of the third parties, as a result of the transport utilization, indicated in the insurance agreement by any person, who utilizes it on legal grounds (I type agreement);
2) liability insurance for damage, done to life, health,  property of the third parties, as a result of any transport utilization or one of transports, indicated in the agreement by the person, indicated in the insurance agreement (II type agreement);
3) liability insurance for damage, done to life, health,  property of the third parties, as a result of the transport utilization, indicated in the insurance agreement by the person, indicated in the insurance agreement or by one of persons indicated in the agreement (III type agreement);

The insurance payment amount is counted according to the Law of Ukraine on Overland transport owners civil liability obligatory insurance from July 01, 2004, and depends on the engine displacement, vehicle registration place, driving experience of persons, allowed to drive the transport vehicle.




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Оbligatory insurance types