The Main Department of Road Safety of the Ministry of Internal Affairs of the Republic of Uzbekistan provides statistics for the first half of the year: 2388 road accidents occurred in Uzbekistan. In total, 1746 people were injured in these accidents, including 383 children, 1154 pedestrians and 101 cyclists.
Readers may have a completely justified question: why, all of a sudden, we are talking about road traffic accidents?
And with the fact that road accidents are directly related to insurance matters. With situations where companies ignore their obligations to customers. And here is the real story.
Every car owner understands that the purpose of compulsory car insurance (OSAGO) is partial compensation for damage caused to the life and health of a citizen in the event of an accident. But … There have been and still are cases when insurers refuse to pay compensation, justifying their position by the fact that the damage to the injured party was fully paid by the proven culprit of the accident.
Elbek Kamolov, a resident of the Yazyavan district of the region, applied to the Fergana Territorial Department of the Antimonopoly Committee. The fact is that on August 1, 2019, an accident occurred on the Tashkent-Osh A-373 international highway (the applicant’s car crashed into a new curb installed on the highway), in which the passenger of Elbek Kamolov’s car, Bilol Mukhammadzhanov, was seriously injured.
Elbek Kamolov compensated the amount of damage to the passenger’s health in full. Then the story began with the insurance company. Elbek Kamolov applied to the Yazyavanskiy regional branch of Uzagrosugurta JSC with an application for reimbursement of a part of the compensation paid to the victim, within the framework of the concluded OSAGA contract on compulsory vehicle insurance. The company refused to pay out the insurance, referring to the fact that the applicant had paid the entire amount of damage to Bilol Mukhammadzhanov himself.
The company’s actions in this matter are a violation. In accordance with paragraph 54 (Appendix No. 4) of the Resolution of the Cabinet of Ministers “On measures to implement the Law of the Republic of Uzbekistan“ On compulsory civil liability insurance of vehicle owners ”, the policyholder takes measures in the event of an insured event to reduce or the elimination of harm, or the provision of emergency assistance to the victim is not a basis for the insurer to refuse from his obligations established for him in accordance with these Rules.
The Fergana territorial department of the Committee, in the prescribed manner, resolved this issue in favor of the applicant – a client of the insurance company Uzagrosugurta JSC. 2 million 730 thousand soums were reimbursed under the current insurance policy of OSAGO.
Press office of the Antimonopoly Committee