Страхування відповідальності власників транспортних засобів в Україні в контексті євроінтеграції та страхового менеджменту

Abstract

Mandatory civil liability insurance for owners of land vehicles in Ukraine provides social protection for road accident participants and contributes to European integration processes. The purpose of the research is to analyze the current condition of the car liability insurance market in Ukraine, identify problems and substantiate practical recommendations for improving insurance management, taking into account European integration processes. The mandatory liability insurance for owners of land vehicles in Ukraine was systematized. The structure of the car insurance portfolio of insurance companies in Ukraine was analyzed. The impact of war and quarantine on the structure of the insurance portfolio and the level of digitization of the car insurance market in Ukraine is substantiated. The main indicators of the market of mandatory liability insurance for land vehicles owners in Ukraine are analyzed. The necessity to increase the size of insurance sums to European standards is substantiated. The recommendations regarding the use of the direct losses compensation system for all participants in the market of mandatory liability insurance for owners of ground vehicles under internal contracts are given. Proposals to improve the quality of liability insurance under an internal agreement by introducing non-cash payments with private individuals when paying compensation and changing the procedure for calculating the cost of repairing cars when damage is established are substantiated.