{"id":9661,"date":"2025-02-01T13:26:01","date_gmt":"2025-02-01T13:26:01","guid":{"rendered":"https:\/\/polis24.com.ua\/?p=9661"},"modified":"2026-08-07T14:34:36","modified_gmt":"2026-08-07T14:34:36","slug":"na-kogo-strahova-mozhe-podati-regres-po-osago","status":"publish","type":"post","link":"https:\/\/polis24.com.ua\/en\/na-kogo-strahova-mozhe-podati-regres-po-osago\/","title":{"rendered":"Who can the insurer pursue for recovery after paying a claim?"},"content":{"rendered":"<p>The grounds are set out in the Law on compulsory civil liability insurance for owners of land vehicles.<\/p>\n<p>The policyholder reimburses the insurer if they: gave false information when taking out the policy and this reduced the premium (penalty: five times the premium, capped at 50% of the payout); breached a restriction written into the contract, such as &#8220;no taxi use&#8221; or a discounted-category condition (penalty: ten times the premium, capped at 50% of the payout); or failed to hand over accident documents within seven working days of receiving them where this mattered to the settlement (the insurer&#8217;s losses).<\/p>\n<p>The at-fault driver reimburses the insurer or the MTSBU if they: were driving under the influence of alcohol, drugs or medication that slows reactions; drove without a licence or without the right category; left the scene or refused a sobriety test; caused the accident through a technical defect in the vehicle or its equipment; used the insured vehicle in a criminal offence; or used a vehicle insured on a discounted basis without being entitled to the discount.<\/p>\n<p>The MTSBU has a right of recovery against anyone who caused an accident in a vehicle with no live MTPL policy on the date, or against whoever bears civil liability for the damage \u2014 the owner, typically.<\/p>","protected":false},"excerpt":{"rendered":"<p>The grounds are set out in the Law on compulsory civil liability insurance for owners of land vehicles. The policyholder reimburses the insurer if they: gave false information when taking out the policy and this reduced the premium (penalty: five times the premium, capped at 50% of the payout); breached a restriction written into the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[23,5,12],"tags":[114,115],"_links":{"self":[{"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/posts\/9661"}],"collection":[{"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/comments?post=9661"}],"version-history":[{"count":1,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/posts\/9661\/revisions"}],"predecessor-version":[{"id":10671,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/posts\/9661\/revisions\/10671"}],"wp:attachment":[{"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/media?parent=9661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/categories?post=9661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/polis24.com.ua\/en\/wp-json\/wp\/v2\/tags?post=9661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}