The Contract of Compulsory Insurance of Civil Liability of Owners of Vehicles: Assignment and Losses

Compulsory civil liability insurance for vehicle owners (hereinafter referred to as CTP) is a common type of compulsory insurance. The CTP Law has been regulating the legal relations in question for 20 years. At the same time, the civil turnover is dynamic, which contributes to the emergence of issues that are not directly regulated at the level of the law. Currently, the number of cases has increased when victims conclude assignment agreements before first contacting the insurer, which leads to a complication in determining the appropriate form of insurance compensation. Assignees who are not owners of damaged vehicles (hereinafter referred to as CU) demand to collect insurance compensation without taking into account wear and tear, as well as to compensate for losses incurred as a result of non–organization of restoration repairs. The article will address the issue of the legality of claims by assignees who are not owners of damaged vehicles to recover insurance compensation without taking into account wear and tear, as well as losses, with a proposal to amend the current legislation. The above confirms the relevance of the study. The subject of the study is the norms of substantive law governing relations in the field of CTP, complicated by the assignment of the right of claim (assignment agreement). The scientific novelty of the study is to study the issue related to the rights of the assignee, who does not own the damaged vehicle, in relation to the insurer. This issue has not been properly investigated in the theoretical plane, and it began to gain relevance in practical jurisprudence relatively recently, which requires a theoretical and practical understanding of the issue under consideration. In the course of the research, both general scientific methods of cognition (analysis, synthesis, deduction and induction) and legal methods of cognition (formal dogmatic, comparative legal and method of legal interpretation) were used. According to the results of the study, it was concluded that the assignee, who is not the owner of the damaged vehicle, should not have the right to demand the recovery of additional insurance compensation without taking into account wear and tear, as well as other losses caused by the failure to organize restoration repairs, which is consistent with the nature of insurance, as well as with the objectives of regulating the CTP Law.

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