In this article the necessity of finding new ways to optimize motor insurance system to improve the quality and availability of insurance services was made. The necessity of the improvement of quality in services of compulsory insurance of vehicle owners’ civil liability through the system of direct indemnity for losses is grounded in the article. The results of theoretical analysis and generalization of opportunities and practical measures as for putting into practice in Ukraine the direct indemnity for losses according to this type of insurance taking into account the experience of other countries are represented. The advantages of the innovative method for insurer and insured were highlighted.

Key words: motor insurance, the direct indemnity for losses, compulsory insurance of vehicle owners’ civil liability, insurer, insured, third party.

Date of submission 28.05.16

DOI: http://dx.doi.org/10.17721/1728-2667.2016/184-7/1

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