Abstract
The article studies the theoretical aspects of car owners ' civil liability insurance. Defined legislative framework which is based on compulsory insurance of civil liability of vehicle owners in Ukraine. The scheme of calculation of the insurance tariff and the essence of adjusting factors in compulsory insurance of civil liability of car owners is revealed. The insurance portfolio of the Kharkiv regional Directorate of JSC "NASK" ORANTA", received insurance premiums under contracts of compulsory insurance of civil liability of car owners and made payments on them are analyzed. The level of unprofitability under these contracts, the influence of adjusting factors on the profitability of the insurance company are determined and the ways of solving this problem are proposed.
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