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Automatically translated version. May contain inaccuracies compared to the original.
🚗 The at-fault driver in an accident has no insurance: who will pay for the car repair?
A subscriber contacted our chatbot with a question:
“I was in an accident, the other driver was found to be at fault. But it turned out that he doesn’t have a valid MTPL policy. Do I really have to pay for the car repair myself now?”
The at-fault driver’s lack of a valid MTPL policy does not automatically mean the injured party is left without compensation.
In such cases the law provides the possibility of obtaining compensation through the Motor (Transport) Insurers’ Bureau of Ukraine (MTSBU), and under certain conditions — contacting your own insurance company via the direct settlement mechanism.
❓ When can you expect compensation?
Grounds for receiving compensation through MTSBU may include situations where:
▪️ the at-fault driver did not have a valid MTPL contract;
▪️ the at-fault vehicle was uninsured;
▪️ the accident was properly documented and the circumstances and the at-fault party were established.
📌 What is important to know?
▪️ If the at-fault driver has no valid auto liability policy, the accident must be documented with the involvement of the police — a European Accident Statement (euro-protocol) cannot be used in this situation.
▪️ Do not make verbal agreements with the at-fault driver or leave the accident scene on your own.
▪️ You must preserve documents, photos, and videos from the accident scene, as well as documents related to the vehicle damage.
▪️ In 2026 the maximum compensation for property damage is 250 000 UAH per injured party, but not more than 1,25 million UAH for a single insured event.
🔻 What to do if the at-fault driver is uninsured?
💁♂️ We recommend:
▫️ Call the police and properly document the accident.
▫️ Verify whether the at-fault driver has a valid MTPL policy.
▫️ Record the vehicle damage with photos and videos.
▫️ Keep all documents received after the accident was documented.
▫️ Do not start repairing the vehicle before the extent of the damage has been properly recorded.
▫️ File a claim for the regulated payment with MTSBU or, if there are grounds for direct settlement, contact your own insurance company.
▫️ If the compensation received is insufficient or there is a dispute over the compensation — seek legal assistance.
✅ Important: the at-fault driver’s lack of a policy does not mean the injured party must pay all damages themselves. The law provides a protection mechanism for victims through MTSBU. At the same time, to receive compensation it is extremely important to properly document the accident, submit the necessary documents on time, and correctly record the damage suffered.
💁♂️ If you have questions or need additional consultation, contact our chatbot for legal assistance or email [email protected].
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