The Cabinet of Ministers has amended the procedure for calculating payments under mandatory civil liability insurance for vehicle owners in the event of an accident

The Cabinet of Ministers has excluded compulsory motor vehicle liability insurance (OSAGO) from the general methodology for calculating insurance compensation for harm caused to life and health. The corresponding resolution was signed on August 17.

A provision extending the Methodology’s application to injuries and fatalities resulting from traffic accidents—as approved by a Cabinet resolution in November 2024—has been removed.

This means that CMTPL payments will no longer be calculated based on the general injury table and percentage criteria. Furthermore, in cases of multiple injuries, the aggregation of percentages provided for in the Methodology will not apply.

Now, the amount of compensation for victims of traffic accidents must be determined exclusively in accordance with special legislation on compulsory motor vehicle liability insurance and a separate Cabinet of Ministers resolution establishing insurance amounts and liability limits.

Currently, the following payments are provided for:

• in the event of the victim’s death—300,000 KGS;
• upon determination of Group I disability—200,000 KGS;
• Group II—150,000 KGS;
• Group III—100,000 KGS;
• for a child with a disability—200,000 KGS;
• for injuries without a disability determination—actual expenses for outpatient or inpatient treatment, but not exceeding 100,000 KGS.

Thus, for injuries without a disability determination, the amount of the payment will depend not on the percentage of disability assigned to the injury, but on the documented treatment expenses within the established limit.

The amendment does not abolish life and health insurance for victims of traffic accidents and, in and of itself, neither increases nor decreases compensation limits. Its purpose is to eliminate overlapping regulations, as previously, the procedure for payments under compulsory motor vehicle liability insurance (CMVLI) was simultaneously governed by general guidelines and specific regulatory acts, which created legal uncertainty.