Civilian car in Khmelnytskyi

Insurance No. 1 in Ukraine

The most popular type of insurance in Ukraine is considered to be car insurance. Since the presence of an MTPL policy for each driver is stipulated by law, this insurance is in the greatest demand among Ukrainians.

In Khmelnytskyi, the condition of the roads is quite poor compared to other regions, which certainly affects the number of accidents in the region. Despite the fact that a civil motor insurance policy is a government requirement, this policy is very beneficial for drivers.

Features of insurance and why it is worth buying

Driving by car without a civil motor insurance policy is prohibited, everyone must have a civil motor insurance policy. A police officer may ask the driver to show the policy. If the policy is not on hand, you will have to pay a fine of 400-800 hryvnias. It is expected that in the fall of 2017, the electronic insurance system for the MTPL will be introduced.

The MTPL policy is issued for a vehicle, but it insures the driver's civil liability. This means that in the event of an accident due to the driver's fault, the insurer will pay compensation to a third party.

What is the MTPL compensation for?

The MTPL fully covers the types of expenses that a driver may encounter after an accident. In order for compensation to be paid to the victim, the insured must be at fault in the accident, and the insurance company will not pay compensation to the insured under the MTPL policy. If you are not to blame for the accident, you need to contact the at-fault party's insurer.

The MTPL policy provides for the payment of compensation for:

• Repair of a car that was damaged after an accident;
• Treatment or rehabilitation, if any damage to health was caused by the accident;
• In the event of death, compensation is provided for relatives.

Cost of the policy

Prices for a civil car in Khmelnytskyi depend on some components, including the basic annual payment (the rates for it are set by the state) and coefficients.

In turn, the coefficients are influenced by the following factors:

• Type of vehicle and its main technical characteristics;
• Driver's experience without an accident;
• Location car registration;
• Taxi or not;
• Policy validity period (minimum - 15 days, maximum - a year).

The OSCPV calculator in Khmelnytskyi will help everyone quickly calculate the cost of the policy individually. You must enter all the data listed above, after which you will be able to see the price in different insurance companies. The site also has a rating of insurers, so you can order a car insurance policy in Khmelnytskyi online for a low price.