The insurer underpaid
The at-fault driver's insurer paid almost three times less than the repair costs according to the garage's invoice. What can I do about the difference?
Car accident lawyer online: insurance payouts, disputes
Describe your situation and Jurly will analyse it under current law. After that, a lawyer consultation is available if you want one.
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- analysis of your situation under current law
- Free
- written conclusion, price shown before payment
- UAH 199
- certificate or diploma checked by hand
- 1 lawyer on this topic
- first consultation with a lawyer on this topic
- from UAH 2,353
What to do
After an accident: who pays and what to challenge
After an accident, the most important things are to record the circumstances properly and notify the insurer on time. After that, the question comes down to money: who must compensate, how much and on what basis.
- 01
Record the circumstances
Photos, video, a diagram, witnesses' contacts, details of the parties and their policies. This is the basis of any further claim.
- 02
Notify the insurer on time
The policy and the law set notification deadlines. Missing one can be grounds for refusing payment.
- 03
Get the documents
The European accident report or police records, the ruling, the assessor's report, and bills for repair and treatment.
- 04
Order an independent assessment
If the insurer's amount looks too low, an independent assessor's report is the basis for claiming the difference.
- 05
Check the payment calculation
Compare the insurer's amount with the damage assessment. An underpayment can be challenged, and part of the damage can be claimed from the at-fault driver.
- 06
Challenge the decision if you disagree
A police ruling is challenged in court; an insurer's refusal first with the insurer itself, then with the regulator or in court.
This is the general order of steps. The analysis of your situation will show what applies to you and which deadlines apply in your case.
What the conclusion covers
A Jurly conclusion on your situation
In a conclusion after a road accident, Jurly explains who owes compensation and for what: the at-fault driver's insurer, your own insurer or the driver. It checks your case against the notice and appeal deadlines, names the documents for a claim and shows how to claim the gap between the payout and the real repair cost.
The analysis of your situation is free. A written conclusion costs UAH 199; you see the price before paying.
How a conclusion is prepared and how it differs from an AI chat answerLawyers in this area
Lawyers who work in this area
A consultation is optional. You get the analysis and the Jurly conclusion without one, and the lawyer you choose will start from your description.
Kyiv · onlineОлег Я.Verified
Defense of Suspects & Defendants,Road Accidents,Victim Representation,Pretrial Restraint Measures,Interrogations
New on the platform16 yrs experience
Kyiv · online
from 2353 UAH
Next slot: Tomorrow 09:00
Первинна консультація
Common situations
Similar to yours? Start from a ready description
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Payment refused
The insurer refused to pay because I supposedly reported the accident too late. I reported it on the third day.
I disagree with the police ruling
The police found me at fault for the accident, although the other driver went through a red light. I have dashcam video.
At-fault driver has no policy
I was hit by a driver without a compulsory motor liability policy. Who has to compensate the damage now?
Questions and answers
Frequently asked questions
What if the insurer will not pay after an accident?
Get a written refusal with the grounds, check the notification deadlines and the set of documents, then challenge the refusal.
Can I claim more from the at-fault driver than the insurer paid?
The difference between the actual damage and the insurance payment can often be claimed from the at-fault driver. It depends on the calculation and the documents.
How can I challenge a police ruling on an accident?
The ruling can be challenged in court within the set deadline. Evidence matters: video, witnesses, the diagram.
What if the other driver has no policy?
In that case compensation is paid by MTIBU (the motor insurers' bureau), which then recovers it from the at-fault driver. The documents are the same as for an insurer.
How much do the analysis and the conclusion cost?
The analysis of your situation is free. A written Jurly conclusion costs UAH 199, and you see the price before paying. A lawyer consultation can be booked separately; the lawyer sets its price.
Do I need to choose a lawyer right away?
No. First you get an analysis of your situation. You can book a consultation later or not at all.
Ready to start
Tell us what happened
A few sentences in plain words. Jurly will ask clarifying questions and prepare an analysis, and, if you want, a written conclusion with an action plan.
Please don't include passport data, bank details or other unnecessary confidential information.