How much does the insurer pay for health damage?
For death and group I disability — 100 per cent of the insured sum, group II — 60, group III — 30, severe injury — 15, less severe health damage — 10, slight injury — 5 per cent; the sum may not be below 3750 lari.
When can compensation be refused?
Only where the damage results from the victim's deliberate action or from force majeure.
Who compensates damage above the limit?
For the part above the limit the victim brings a court action directly against the owner who caused the damage.
What happens if payment is delayed?
If not paid within two weeks of the full documentary set, the insurer owes interest of 0.1 per cent of the payable amount for each day of delay.
After a road accident the insurer refused compensation — which service covers this?
Claiming compensation for damage caused by an accident and disputing with the insurer — preparing the claim and challenging a refusal or an underpayment — is a separate service: "Claiming MTPL Compensation and Appealing an Insurance Company's Refusal". The general rules of insurance disputes described on this page are adapted there to the concrete circumstances of a road accident.
