Question 1

I was at fault in a traffic accident and I was paid an insurance indemnity under the insurance policy. If an accident occurs under this policy, can I get another insurance indemnity or do I need to buy a new insurance policy?

Accepted Answer

If the insurer has paid the insurance indemnity to the victim during the period of validity of the compulsory insurance contract, the policyholder shall pay the insurance premium proportionally to the remaining part of the period of validity of the compulsory insurance contract from the moment of receiving a notification from the insurer that the insurance indemnity has been paid within two weeks.

Question 2

Is it always necessary to apply directly to the Payment Guarantee Fund to receive a compensation payment from compulsory civil liability insurance of vehicle owners?

Accepted Answer

In case of a road traffic accident you can directly apply to the Payment Guarantee Fund by hiring an appropriate adjudicator, as well as victims or legal successor can apply with the relevant documents through postal organizations or by filling out an electronic application form on the website of the Fund (tkj.uz).

On the part of the Payment Guarantee Fund the application (Compulsory civil liability insurance of vehicle owners) is considered within one month from the date of application and the victim is notified in writing about the decision made in accordance with the established procedure.

Question 3

How important is it for receiving insurance indemnity or compensation payments if the civil liability of the victim of a road traffic accident is not insured?

Accepted Answer

Insurance payment is made by the insurer on the basis of the insurance policy of the guilty party, compensation payment is made by the Fund with subsequent recovery of the amount from the guilty party (the insurer has recourse only in certain specific cases). It does not matter whether the victim is insured or not in order to receive insurance or compensation payment.

Question 4

When the person at fault is known, how can you find out which insurance company has insured their liability?

Accepted Answer

Interactive services have been launched on the official website of the Fund (www.tkj.uz). It is possible to obtain online information about the liability insurance of the liable person under compulsory insurance on this website. In addition, the information on the civil liability insurance of the responsible person must contain the decisions of the traffic police or court. If the responsible person is insured, a copy of his/her insurance policy must be present in the package of documents collected by the competent authority (traffic police or court).

Question 5

According to the terms of my insurance policy, only my father and I have the right to drive the vehicle, but according to my friend's insurance policy, any driver has the right to drive his car. Isn't he breaking the rules?

Accepted Answer

No, it does not. In order to do so, it is necessary to select the condition of an unlimited number of persons authorized to drive a vehicle at the conclusion of a contract of compulsory insurance. Then the insurance policy does not specify the drivers allowed to drive the vehicle.

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