Legal Basis

First, let's talk about our Constitution, which states that every citizen has certain rights and freedoms. So why are norms that require us to make expenses affecting our property rights adopted? It should be considered that every citizen may unintentionally harm another citizen, thereby violating their property and non-property rights. Moreover, a vehicle is considered a source of increased danger. (Article 1007 of the CCKR).In this context, norms aimed at ensuring the protection of citizens' rights and freedoms are adopted, and we will examine this in more detail when we break down the OSAGO subject.

Responsibility logically arises in case of any damage to another person. The obligations arising from the damage are included in the law and in Section 51 of the CCKR are explained. The main message is that the damage caused to a person or property must be fully compensated by the person who caused the damage. It is important to note that in an accident, not only the faulty driver but also the owner of the vehicle is jointly and severally liable.

Now, the legal basis for such civil relations has become clearer to us. The obligation to purchase a policy is also included in the law and is based on the norms of the CCKR, more precisely Article 928: The law may determine the obligation to insure the risk of civil liability that may arise as a result of damage to the life, health, or property of other persons.

Thus, Law No. 192 of the Kyrgyz Republic dated July 24, 2015, approved within the framework of the Constitution and Civil Code, determines the procedure and conditions for compulsory insurance, some of which fall within the authority of the Government of the Kyrgyz Republic. In turn, the Government of the Kyrgyz Republic approves the amount of damage costs covered by the insurance company, determines the procedure for calculating the cost of insurance coverage, and approves the Insurance rules. In short, these are a series of provisions and conditions that regulate the relationships and obligations of the parties under an insurance contract. However, the provisions of the LAW prevail over the Insurance Rules in any case, and if your rights are violated, you have the right to apply to both the state body regulating insurance business and directly to the court. But you can be sure that your interests will be protected with us, and any problems can be easily resolved through negotiations.

Now you understand the purpose of the OSAGO Law and that the insurance contract provides for payments, especially to victims. OSAGO is not an attempt to collect money from citizens but a tool to protect victims of traffic accidents who have suffered loss of life, health, or property, and the vehicle owner by reducing unexpected expenses.