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The accident is behind you. The paperwork is done, and the insurer has been notified.
Now the second part starts, the one that's actually about money: how much lands in your account, and when.
The route is written down in advance, amounts and deadlines both. The sum insured under OSAGO, Uzbekistan's compulsory motor third-party liability insurance, is 80,000,000 UZS: 28 mln UZS for property, 52 mln UZS for life and health. Once your documents are complete, the insurer has 15 calendar days to decide and another 5 working days to transfer the money.
The exact payout depends on the size of the damage, not a flat number: 80 mln UZS is only the ceiling. That's why the inspection, the assessment, and the medical records matter so much.
Below is the whole route: how the limit splits, who gets paid and when, and what to do if the insurer cuts the amount or refuses.
In this article:
What OSAGO covers: how the 80 mln UZS limit breaks down
As of 1 January 2026, the sum insured under OSAGO is 80,000,000 UZS. Before that date, it was 40 mln UZS.
The sum insured is the insurer's liability ceiling, not a guaranteed payout, and it isn't one shared pot either: the law splits it in two.
Property damage: 35% of the sum insured, up to 28 mln UZS.
Life and health damage: 65%, up to 52 mln UZS.
This split shapes every calculation that follows: no matter how badly your car is damaged, the payout for property can't exceed 28 mln UZS, while health claims run on the separate 52 mln base.
| What | Before 1 January 2026 | From 1 January 2026 |
|---|---|---|
| Sum insured (total) | 40 mln UZS | 80 mln UZS |
| Property damage (35%) | 14 mln UZS | 28 mln UZS |
| Life and health damage (65%) | 26 mln UZS | 52 mln UZS |
These limits apply across all of Uzbekistan, regardless of policy type.
Who gets paid, and why it isn't the at-fault driver's insurer
OSAGO doesn't repair the at-fault driver's own car: the policy protects their liability to others, not their own vehicle, so the money goes to the injured party. Most people only learn this after an accident.
The second trip-up is which insurer to approach. Direct settlement means your own insurer pays the damage, not the at-fault driver's; the two companies settle between themselves afterward. That's their business, not yours: you deal only with your own insurer, and get your answer from them too.
In practice, this saves time: no correspondence with a company you've never dealt with, no learning how it operates.
From accident to money: deadlines that work both ways
There are four dates on the road after an accident: one is yours, three the insurer's. Knowing them lets you point to exactly where a delay happened.
Accident happens
within 72 hours · deadline: YOU
Notify the insurer, file a claim and documentswithin 3 working days · deadline: INSURER
List of missing documents (email or SMS)within 15 calendar days · deadline: INSURER
Decision: payout or a reasoned refusalwithin 5 working days · deadline: INSURER
Money lands in your account
The first steps at the scene (the report, witnesses, photos) are a separate topic, covered in the full step-by-step guide to what to do after an accident. This article picks up where that one leaves off.
Notification and documents: 72 hours and 3 working days
The policyholder (the OSAGO policy owner) must notify their insurer within 72 hours, in writing or electronically, with a policy copy attached, and get a policy copy to the injured party within 3 calendar days.
To receive the payout, the injured party sends the insurer a separate written or electronic application: a formal claim for damages. Without it, the calculation doesn't start.
If the accident was recorded under Yevroprotokol, the European Accident Statement procedure, the insurer's deadlines stay the same: 15 calendar days for the decision, 5 working days for the payout. The paperwork differs, though: a statement the drivers fill in themselves, not documents from Road Safety Service officers.
Yevroprotokol adds its own short deadline: both drivers must pass a sobriety check within 4 hours of the accident. Miss it, and the insurer can later recover what it paid the injured party from the at-fault driver through recourse, so the money still comes out of their pocket eventually.
If your documents aren't enough, the insurer sends a list of what's missing by email or SMS within 3 working days of receiving them; that reply has its own deadline too.
Property claims carry one more obligation: present the damaged property, or what's left of it, for inspection and an independent assessment before starting repairs. Once you do, proving the real extent of the damage gets much harder.
The insurer's decision: 15 calendar days
Once the documents are complete, the insurer has 15 calendar days to decide: pay or refuse.
A refusal has to state its specific reasons; a one-line "declined" doesn't meet the legal requirement, and that stated reason is exactly what a later dispute turns on.
The payout itself: 5 working days
Once the decision is made, the insurer has 5 working days to transfer the money. A positive decision is already close to money in hand: what's left is just processing.
These deadlines are a ceiling, not a floor
Read the dates above correctly: 15 calendar days and 5 working days are the maximum the law allows, not the minimum. Staying within them is mandatory, and working faster is the insurer's own choice.
EUROASIA Insurance is working toward exactly that: deciding and paying right at the scene, with paperwork finalized afterward, the injured party showing a card, agreeing the amount on the spot, and receiving the money during that same meeting.
This route will not work for every accident. Three conditions have to hold at once: nobody is injured, exactly two cars are involved, and both drivers agree on what happened. If any of them fails, the case follows the standard procedure.
This solution is still in development and will be announced separately once it launches. For now, the deadlines above apply: plan your timeline around them, and keep a record of your dates.
Injury claims: why the calculation starts from 52 mln, not 80 mln
The limit for life and health damage is 52 mln UZS, 65% of the sum insured, and percentages by injury type are calculated against that base, not the full 80 mln.
The difference is significant. Say a case is rated at 20% under the schedule: that isn't 16 mln UZS out of 80 mln, it's 10.4 mln UZS out of 52 mln.
With several types of injury, the percentages add up, and the payout follows the schedule attached to the insurer's offer, applied to your treatment records.
What to do: keep every medical document and submit all of them in full. The calculation runs on paperwork, not a verbal description, so every diagnosis needs to exist on paper.
The insurer refused, or cut the payout: what you can do
One number shows the overall picture: according to 2024 market statistics, 92.3% of claims filed across all insurance types in Uzbekistan ended in a payout, so the normal outcome is money arriving. Disputes are usually about how much and how fast, not whether you get paid.
If your case falls into that remaining share, there's a way through with clear steps that apply even if the insurer never responded within the deadline.
1. Get the decision in writing. A refusal or a reduced calculation shouldn't be verbal: it needs to be in writing, with the grounds stated. This is the foundation for every step after it.
2. Order an independent assessment. If you think the amount was cut short, get the damage assessed separately. That becomes your evidence.
3. Send the insurer a written claim. Spell out exactly what you disagree with and what you're basing that on: documents, the assessment findings, the calculation.
4. Contact the regulator. The insurance market is regulated by the National Agency of Perspective Projects (NAPP), and you can send your complaint there. Contacts are in the section below.
5. Go to court. You can dispute both the refusal and the payout amount in court. The claim isn't framed as "declaring the refusal unlawful," it's filed as "recovery of the insurance payout," an important procedural distinction.
There's no mandatory pre-court stage: the law doesn't require a particular body first. The statute of limitations is 3 years, from the day you learned, or should have learned, that your right was violated, so there's no need to rush.
One more point: if the insurer believes the damage was caused deliberately, it has to prove that in court. A one-sided refusal alone isn't enough grounds for that claim.
When the damage exceeds the limit: who pays the difference
This is a separate mechanism, worth keeping apart from a dispute with the insurer.
If the damage exceeds 28 mln UZS for property or 52 mln UZS for health, the at-fault driver covers the difference themselves, not the insurer. The basis is Article 999 of the Civil Code: as the owner of a source of increased danger, a vehicle owner covers the damage regardless of fault, and is released from liability only if force majeure or the injured party's intent is proven.
Court practice has seen cases like this: even when the insurer refused to pay, the injured party recovered the damage from the vehicle owner through the courts. A refusal isn't the end of the road.
A third route works without court: if the injured party already holds a KASKO policy (comprehensive car insurance), their own insurer covers the car damage under that policy and settles with the at-fault driver's insurer directly. KASKO payouts work differently from OSAGO; that's covered in detail in the article on claiming a KASKO payout.
Where to go, and how to check a policy online
Most of this can be done from home today, without visiting an office.
Checking a policy. Every policy is registered in the Unified State Information System for insurance contracts (EAIS); verify whether the at-fault driver's policy is genuine and valid through the my.gov.uz public services portal. This is the first step: the rest of the route depends on it.
Filing a claim online. The application and documents for an insurance claim can also be submitted through my.gov.uz.
Contacting the regulator. NAPP protects the rights of insurance market participants:
email: info@napp.uz;
phone: +998 71 231-79-09;
citizens' appeals portal: murojaat.gov.uz.
Attach a copy of the policy, the insurer's written response, and your documents: it's reviewed faster that way.
Frequently asked questions
How long does an OSAGO payout take? Once your documents are complete, the insurer has 15 calendar days to decide and another 5 working days to transfer the money. If documents are missing, they must send you the list within 3 working days.
Who pays if the accident was recorded under Yevroprotokol? The same rules apply: under direct settlement, the injured party's own insurer pays. The deadlines don't change either: the only difference is the paperwork.
What if the at-fault driver has no policy, or an invalid one? Check the policy through my.gov.uz. Without a valid policy, there's no basis for an OSAGO payout: the claim goes directly to the at-fault driver, under Article 999 of the Civil Code.
What if the insurer reduces the payout? Get the written calculation, order an independent assessment, and send the insurer a written claim. If that doesn't resolve it, you can file a complaint with NAPP or sue for "recovery of the insurance payout."
What if the damage exceeds 80 mln UZS? The amount above the limit is recovered from the at-fault driver, under Article 999 of the Civil Code.
How long do you have to claim the payout? The general statute of limitations is 3 years, counted from the day you learned your right was violated. Still, it's best to gather your documents as soon as possible: evidence gets harder to collect over time.
The overall picture is simple: 80 mln UZS total, split into 28 mln for property and 52 mln for health, moving through 72 hours, 3 working days, 15 calendar days, 5 working days. If there's a dispute, you have an independent assessment, a written claim, NAPP, and the courts, with 3 years to use them.
All of this rests on one condition: the policy has to be valid.
Check your policy's expiry date and renew it if you need to: calculate and issue OSAGO online, in a few minutes, without visiting an office. If you still have questions, call the EUROASIA Insurance contact center: 1147, day or night.
