{"id":2655,"date":"2026-05-27T06:41:44","date_gmt":"2026-05-27T03:41:44","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-dtp\/vyrishennya-strahovyh-pytan-sporiv\/"},"modified":"2026-09-14T19:37:25","modified_gmt":"2026-09-14T16:37:25","slug":"vyrishennya-strahovyh-pytan-sporiv","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/vyrishennya-strahovyh-pytan-sporiv\/","title":{"rendered":"Resolving insurance matters \/ disputes"},"content":{"rendered":"<p>Paying out on an insurance claim is the insurer\u2019s obligation under the contract and the law. Insurance is governed by the Law of Ukraine \u201cOn Insurance\u201d No. 1909-IX, and motor claims by the Law \u201cOn Compulsory Civil Liability Insurance of Owners of Land Vehicles\u201d No. 3720-IX, in force since 1 January 2025. It made direct settlement mandatory for all motor insurers: where only property is damaged, the victim claims from their own insurer rather than the other driver\u2019s.<\/p>\n<p>Even so, refusals and understated payouts remain commonplace. The insurer \u201csees no grounds\u201d, cites late documents, disputes who was at fault, understates the repair estimate, deducts depreciation (which the current motor insurance rules forbid), or simply stays silent beyond the deadlines. Comprehensive policies add their own grounds: \u201cimproper storage\u201d, \u201cbreach of the policy terms\u201d, \u201clate notification\u201d. Most of this is the insurer\u2019s negotiating position, and it can and should be challenged.<\/p>\n<p>We establish the real reason for the refusal or the shortfall, obtain an independent valuation and send a demand, and if the insurer does not respond we complain to the National Bank, which supervises the insurance market, and recover the payout in court together with the penalty for the delay.<\/p>\n<div class=\"sb-call\"><a class=\"sb-call__link\" href=\"tel:+380955545424\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z\"\/><\/svg><span>+38 095 554-54-24<\/span><\/a><span class=\"sb-call__note\">consultation on an insurance payout<\/span><\/div>\n<h2>The deadlines and caps the dispute runs from<\/h2>\n<p>The insurer decides on payment within 60 days of receiving the complete file, and in complex cases where the circumstances of the accident are still being established that can extend to 90 days. Payment follows the decision immediately, and the law provides a <strong>penalty<\/strong> for each day of delay.<\/p>\n<div class=\"sb-tiles\"><div class=\"sb-tile\"><b>60 days<\/b>to decide, from the day the complete file is filed<\/div><div class=\"sb-tile\"><b>90 days<\/b>the maximum where the circumstances are still being established<\/div><div class=\"sb-tile\"><b>250,000 UAH<\/b>the cap for property damage per victim<\/div><div class=\"sb-tile\"><b>500,000 UAH<\/b>the cap for harm to life and health<\/div><\/div>\n<p>Anything above the cap is recovered from the driver at fault in a separate action: that is covered on the page about <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/vidshkoduvannya-shkody-pry-dtp\/\">compensation after a road accident<\/a>, and the exact loss is evidenced by an <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/oczinka-zbytku-dtp\/\">independent damage assessment<\/a>.<\/p>\n<h2>Why insurers refuse or underpay<\/h2>\n<p>The typical grounds we deal with:<\/p>\n<div class=\"sb-dark\"><ul class=\"sb-rlist\"><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>\u201cmissed deadlines\u201d for notifying or filing documents \u2014 often arguable or excused by good reasons;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 3v18\"\/><path d=\"M3 8h5v8H3zM16 8h5v8h-5z\"\/><\/svg><span>doubt about the circumstances of the accident or about who was at fault;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"2\"\/><path d=\"M8 7h8M8 12h.01M12 12h.01M16 12h.01M8 16h.01M12 16h.01M16 16h.01\"\/><\/svg><span>an understated repair estimate by the insurer\u2019s own appraiser;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 5l6 6 4-4 8 8\"\/><path d=\"M15 15h6V9\"\/><\/svg><span>deduction of depreciation, which the current motor insurance rules do not allow;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><span>on comprehensive policies \u2014 \u201cbreach of the policy terms\u201d, exclusions from cover;<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M6 3h12M6 21h12\"\/><path d=\"M8 3v3l4 5 4-5V3M8 21v-3l4-5 4 5v3\"\/><\/svg><span>delay: the insurer does not decide within the statutory period.<\/span><\/li><\/ul><\/div>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/vyrishennya-strahovyh-pytan-sporiv-en.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-5374\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/vyrishennya-strahovyh-pytan-sporiv-en.svg\" alt=\"insurance payouts: direct settlement under Law No. 3720-IX, deadlines, grounds of refusal and how to challenge them\" \/><\/a><\/p>\n<h2>What the new motor insurance rules give you<\/h2>\n<p>Mandatory direct settlement makes life simpler for the victim: for property damage you deal with your own insurer, which is easier to talk to, and which must offer you repair options. Simplifying the procedure has not ended arguments about the figure: it is at the estimate stage that payouts are most often cut. So accept the first sum offered only after an independent check, and sign a \u201cno further claims\u201d document only when that sum suits you.<\/p>\n<h2>What the court examines in a dispute with an insurer<\/h2>\n<p>The court looks at four things: whether the event is an insured event under the policy and the law, whether the insurer was notified properly, what the real loss is, and whether the insurer paid late. The wording of the refusal is not decisive \u2014 what matters is whether it is supported by the policy, the insurance rules and the evidence.<\/p>\n<blockquote class=\"sb-quote\"><p>The loss is proved by a valuer\u2019s report or a court-appointed vehicle valuation. The insurer\u2019s estimate is only one piece of evidence, and it loses to a report prepared with the car inspected and the damage photographed. When the insurer sees such a document and a penalty calculation, the case often ends in a further payment before judgment: losing costs more than paying voluntarily.<\/p><\/blockquote>\n<h2>How we handle insurance disputes<\/h2>\n<ol class=\"sb-proc\"><li>we analyse the policy, the insurance rules and the written ground of refusal;<\/li><li>we arrange an independent valuation where the payout is too low;<\/li><li>we prepare a reasoned demand to the insurer with the shortfall calculated;<\/li><li>if it refuses or stays silent, we complain to the National Bank and prepare the claim;<\/li><li>in court we recover the payout together with the penalty for late payment;<\/li><li>where necessary we recover the balance above the insurer\u2019s cap from the driver at fault.<\/li><\/ol>\n<h2>What people risk by going it alone<\/h2>\n<p>Money is most often lost at two points: signing a \u201cno further claims\u201d document after receiving an understated sum, and accepting a refusal \u201cfor lateness\u201d as final when the deadline could be restored or the ground itself challenged. Then come the evidence mistakes \u2014 without an independent valuation there is nothing to set against the insurer\u2019s estimate, and without a timely claim limitation runs out. It runs from the day the person learned of the breach (Art. 261 of the Civil Code), which is usually the date of the refusal or the expiry of the decision period; for penalty claims the period is one year (Art. 258).<\/p>\n<div class=\"sb-case\"><div class=\"sb-case__head\"><span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 3l8 3v6c0 5-3.5 8-8 9-4.5-1-8-4-8-9V6z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/svg><\/span><h2 class=\"sb-case__title\">A case from our practice<\/h2><\/div><p>In 2025 a car owner came to us who had been awarded about 46,000 UAH under direct settlement, while the garage had quoted nearly twice as much. The insurer\u2019s estimate deducted depreciation and left out part of the hidden damage found on dismantling. We commissioned an independent valuation with the car inspected, filed a demand with the shortfall and the penalty calculated, and complained to the National Bank. The insurer paid the difference, plus the cost of the valuation, before any court hearing \u2014 about three months after the client came to us. Our fee at that stage was 10,000 UAH. (details changed)<\/p><\/div>\n<h2>Cost of services (insurance payouts)<\/h2>\n<div class=\"sb-price\"><div class=\"sb-price__row\"><span>Consultation with a review of the insurer\u2019s refusal<\/span><b><i>from<\/i>1,500 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Legal opinion and calculation of the shortfall<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Demand to the insurer \/ complaint to the National Bank<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Preparation of the claim<\/span><b><i>from<\/i>5,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Participation in one court hearing<\/span><b><i>from<\/i>3,000 UAH<\/b><\/div><div class=\"sb-price__row\"><span>Court representation<\/span><b><i>from<\/i>10,000 UAH<\/b><\/div><div class=\"sb-price__row sb-price__row--hi\"><span>Comprehensive handling of a civil case<\/span><b><i>from<\/i>25,000 UAH<\/b><\/div><\/div>\n<p><strong>Court fees (2026):<\/strong> a claim against an insurer is a monetary one, so an individual pays 1 % of its value, but not less than 1,331.20 and not more than 16,640 UAH; filing through the Electronic Court multiplies the rate by 0.8. The independent valuation is paid separately. Everything that follows a crash is handled by our <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/\">road accident lawyer<\/a>; where there are injuries, a <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/advokat-za-286-kk\/\">lawyer for Art. 286 cases<\/a> works alongside.<\/p>\n<div class=\"sb-calc\" data-rate=\"0.01\" data-min=\"1331.20\" data-max=\"16640\" data-ecourt=\"0.8\">\n\t\t<div class=\"sb-calc__head\">\n\t\t\t<span class=\"sb-icobox\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"4\" y=\"3\" width=\"16\" height=\"18\" rx=\"2\"\/><path d=\"M8 7h8M8 12h.01M12 12h.01M16 12h.01M8 16h.01M12 16h.01M16 16h.01\"\/><\/svg><\/span>\n\t\t\t<h3>Calculate the court fee for a claim against the insurer<\/h3>\n\t\t<\/div>\n\t\t<p class=\"sb-calc__note\">The value of the claim is the gap between the real loss and the payout, plus the penalty for the delay.<\/p>\n\t\t<div class=\"sb-calc__grid\">\n\t\t\t<div>\n\t\t\t\t<label for=\"svcalc-5242-claim\">Amount of the shortfall<\/label>\n\t\t\t\t<div class=\"sb-calc__in\">\n\t\t\t\t\t<input id=\"svcalc-5242-claim\" class=\"sb-calc__claim\" type=\"text\" inputmode=\"numeric\" value=\"90 000\">\n\t\t\t\t\t<span>\u0433\u0440\u043d<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<input class=\"sb-calc__range\" type=\"range\" min=\"50000\" max=\"3000000\" step=\"10000\" value=\"90000\" aria-label=\"Amount of the shortfall\">\n\t\t\t\t<label class=\"sb-calc__toggle\">\n\t\t\t\t\t<input type=\"checkbox\" class=\"sb-calc__ecourt\"> \u041f\u043e\u0434\u0430\u0454\u043c\u043e \u0447\u0435\u0440\u0435\u0437 \u00ab\u0415\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0438\u0439 \u0441\u0443\u0434\u00bb\n\t\t\t\t<\/label>\n\t\t\t<\/div>\n\t\t\t<div class=\"sb-calc__out\">\n\t\t\t\t<b class=\"sb-calc__fee\">1 331,20 \u0433\u0440\u043d<\/b>\n\t\t\t\t<span class=\"sb-calc__hint\">\u043c\u0456\u043d\u0456\u043c\u0430\u043b\u044c\u043d\u0430 \u0441\u0442\u0430\u0432\u043a\u0430 \u0437\u0431\u043e\u0440\u0443<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<small class=\"sb-calc__disclaimer\">The calculation is indicative. The final fee is determined by the court.<\/small>\n\t<\/div>\n\t<ul class=\"sb-related\"><li><a href=\"https:\/\/svaroglaw.com\/en\/cziny-poslug\/\"><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/svg>Full price list<\/a><\/li><\/ul>\n<h2>Questions and answers (insurance payouts)<\/h2>\n<div class=\"sb-faq\"><details class=\"sb-faq__item\" open><summary><h3>The driver at fault had no motor policy. Who pays?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>Harm to life and health is then compensated by the Motor Transport Insurance Bureau of Ukraine from the victims\u2019 protection fund, while damage to the car is recovered from the driver directly in court. The court needs the documents from the scene, the valuer\u2019s report and proof that no valid policy existed.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can the car be repaired before the insurer inspects it?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>No, not until the insurer has inspected the damage or the time allowed for the inspection has passed. A repaired car leaves the expert nothing to examine, and that is the commonest reason a court cannot establish the real loss. The exception is hidden damage found on dismantling: it is recorded in a separate garage report with photographs.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>How long does a case against an insurer take?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>Usually from six months, and the main factor is the court-appointed vehicle valuation: the proceedings are stayed while it is carried out. If the insurer does not dispute how the accident happened and the argument is only about the figure, the case moves faster, and the further payment often arrives before judgment.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Can the lawyer\u2019s fees be recovered from the insurer?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>Yes, the cost of professional legal assistance is apportioned between the parties by the outcome (Arts. 137, 141 of the Civil Procedure Code). The engagement letter, a detailed description of the work and proof of payment are filed with the court, which assesses whether the sum is proportionate to the complexity. The court fee and the expert report are also compensated by the losing party.<\/p><\/div><\/details><details class=\"sb-faq__item\"><summary><h3>Do I have to come to Kyiv to run the dispute?<\/h3><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 5v14M5 12h14\"\/><\/svg><\/summary><div class=\"sb-faq__body\"><p>No. The engagement letter and the power of attorney are done remotely, the claim is filed through the Electronic Court, and hearings can be attended by video. Attendance in person is needed only for the appraiser\u2019s inspection, which takes place wherever suits you.<\/p><\/div><\/details><\/div><div class=\"sb-closing\"><h2>Contact a Svarog insurance disputes lawyer<\/h2>\n<p>Send us the policy, the accident documents and the insurer\u2019s written reply. We will assess whether the refusal or the shortfall is lawful, calculate what is owed plus the penalty, and take the dispute on. If a valuation is needed, or the balance has to be recovered from the driver, we do that within the same case. The area is handled by our <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-dtp\/\">road accident lawyer<\/a>.<\/p>\n<ul class=\"sb-meta\"><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2z\"\/><\/svg><span><a href=\"tel:+380955545424\">+38 095 554-54-24<\/a><\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 21s-6-5.5-6-11a6 6 0 0 1 12 0c0 5.5-6 11-6 11z\"\/><circle cx=\"12\" cy=\"10\" r=\"2.4\"\/><\/svg><span>Kyiv, 7 Khoriva Street (Podil)<\/span><\/li><li><svg class=\"sb-ico\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.7\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\" focusable=\"false\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M12 7v5l3 2\"\/><\/svg><span>Mon\u2013Fri 9.00\u201318.00<\/span><\/li><\/ul><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Paying out on an insurance claim is the insurer\u2019s obligation under the contract and the law. Insurance is governed by the Law of Ukraine \u201cOn Insurance\u201d No. 1909-IX, and motor claims by the Law \u201cOn Compulsory Civil Liability Insurance of Owners of Land Vehicles\u201d No. 3720-IX, in force since 1 January 2025. It made direct [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2624,"parent":2638,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/service.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2655","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance claims: disputes with insurers, lawyers, advocates, fees<\/title>\n<meta name=\"description\" content=\"Insurer refused or underpaid under MTPL or CASCO? Independent valuation, claim, complaint to the NBU, court and penalty. 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