Need to contact your insurance company after an accident. What documents are needed for payment under compulsory motor insurance?

Reading time: 5 minutes

By purchasing an insurance policy, we hope that all costs in the event of an accident will be covered. This is how it should be, but in reality, not everything is solved simply. Even if the case is recognized as insured, payment may be refused. Therefore, it is important to know what documents are required for compulsory motor liability insurance after an accident in 2020.

OSAGO in case of an accident: payment procedure

To understand the issue, you need to study the updated version of the law on compulsory insurance. In Art. 7 Federal Law No. 40-FZ (as amended on January 1, 2020) specifies two amounts of insurance payments depending on the type of harm caused to the victim:

• life or health – 2 million rubles;
• property – 400 thousand rubles.

An injured third party can receive the maximum amount of compensation from each insurer if the damage was caused as a result of an accident involving two insured vehicles. Even when the owner of one of them is found innocent.

In general, the insurer is notified of the accident, then you need to submit a corresponding application and a package of documents to the insurance company. The main condition is recognition of the incident.

To properly build a relationship with the insurer, it is important to understand how to file an accident so that no questions arise. If the accident does not lead to serious consequences and there are no casualties, the inspector draws up a report on the administrative violation. A diagram of the accident and a description of the damage to the vehicle, as well as explanations of the participants and witnesses are also attached.

If there are several violators, a separate protocol is drawn up for each. When the culprit has disappeared, it is necessary to demand a copy of the decision to initiate the case.

According to the new regulations of the Ministry of Internal Affairs (introduced by Order No. 664 of August 23, 2017), traffic police officers are exempt from issuing an extended certificate of an accident. Instead, a notification about the accident completed by the participants in the accident is submitted to the insurance company.

Documents for independent examination

In the normal course of events after an accident, you should not order an examination yourself. This is done in the direction of the IC in a specialized organization.

If you conduct an examination on your own initiative, the insurance company may ignore the conclusion issued without prior approval.

However, a voluntary assessment of the cost of upcoming treatment or repairs is often required in disputes under compulsory motor liability insurance. And this option also requires proper design. You must notify the insurance company of your decision within 3 days, and the experts will need to provide:

• passport;
• DCP or certificate-invoice confirming the cost of the vehicle;
• SOP (CTS);
• notification of an accident;
• a copy of the service book, if available.

The procedure includes a preliminary consultation, inspection of the vehicle and drawing up a conclusion, which includes an inspection report of the scene of the accident (with photographic materials), an assessment of damage and the costs of purchasing components and repairs (taking into account the residual value). As a rule, with such documents it is almost impossible to underestimate the cost of restoring a vehicle.

More detailed information about what it is.

Complete list of documents for the insurance company

In general, in order to pay for insurance, you need to provide an impressive package of documents containing:

• claim for damages;
• passport;
• STS and PTS;
• power of attorney if the vehicle was not driven by the owner;
• notification of an accident, protocol;
• current bank details for transfer.

However, in each specific case, the list of required papers is determined by the scale of the accident and the severity of its consequences.

Minor incident

In case of a minor incident, the list of documents for registering an accident with the insurance company is reduced as much as possible. These are mainly the papers mentioned above. As a rule, the usual registration procedure is applied, the form of which is attached to the policy. It needs to be added to the documents, but in this case there will be no accident report from the traffic police.

Damaged property

Property disputes always require careful preparation. The Investigative Committee approaches such matters scrupulously. The list of documents to be submitted to the insurance company will be expanded. In addition to those already mentioned, you will have to provide:

• title documents;
• expert report;
• receipts for payment of the examination, tow truck, parking, other documents reflecting the damage caused and expenses caused by the accident.

You will also have to show the damaged vehicle. OSAGO does not deal with it, so such certificates are not needed.

Road accident with victims

If there are victims, in addition to contacting the insurance company after an accident under compulsory motor liability insurance, the following are provided:

• confirmation of expenses for medicines and medical services;
• certificate of hospitalization by ambulance, extract from the medical history;
• medical report, certificate of disability or need for constant care, loss of ability to work;
• certificate of average monthly income;
• documents confirming the cost of retraining;
• birth certificate of a dependent child.

It is always difficult to resolve issues related to compensation for personal injury. But it’s even more difficult after the death of a participant in the incident.

Fatal accident

Regardless of the degree of guilt and circumstances, the cause-and-effect relationship between the accident and the death of a person must be clearly visible, as well as the impact of this incident on the future life of the family of the deceased and those in his care. In this case, the additional documents provided to the insurance company in case of an accident under compulsory motor liability insurance are as follows:

• death certificate (copy);
• documents confirming funeral expenses;
• papers with information about the dependent persons of the deceased. If these are children, birth certificates and certificates from places of study will be required;
• consent of the guardianship authorities if payments are received by a representative of the minor.

As you can see, there is nothing complicated. As a last resort, you can seek the help of a traffic lawyer.

Main deadlines

It is required to notify the insurance company of the occurrence of an insured event immediately, at the first opportunity, or within the time period specified in the contract.

The period for submitting documents to the insurance company after an accident is limited to 15 days. If a European protocol was drawn up - five.

If it is not possible to provide papers on time, supporting documents are required. Five days after the client’s request, the company is obliged to set a date for the examination.

After submitting the application, within the next 20 working days, the insurer is obliged to compensate for the damage or provide a reasoned refusal in writing.

Conclusion

So, we can draw brief conclusions:

1. The application procedure, list of documents and amount of compensation depend on the nature and consequences of the accident.
2. You should take care of paying compensation at the stage of registering the incident.
3. An independent examination will help get rid of the arbitrariness of the Investigative Committee.
4. The application for reimbursement must be submitted as soon as possible.

It should be remembered that in order to receive compensation from the insurance company in the event of a traffic accident, it will be necessary to prepare a large number of various types of documents.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Moreover, their list is enshrined in the legislation in force on the territory of the Russian Federation. Every driver should carefully read this list in advance, this will help avoid problems in the future.

Formed at the scene of the accident

In order to avoid problems when receiving compensation from the insurance company or directly from the person responsible for the traffic accident, it will be necessary to collect all the necessary documents.

Today, their list depends on various circumstances surrounding the occurrence of an accident.

So, if the accident did not result in serious consequences, there are no victims, traffic police officers generate the following documents:

• certificate No. 748 - issued to all participants in an accident by traffic police inspectors;

• administrative violation protocol.

It is best to find out what documents are issued in case of an accident in advance. Since most of them will be needed by the insurance company to clarify the circumstances and formulate the payment.

In some cases, traffic police officers may simply forget to issue certificate No. 748. You should not allow such negligence; all major insurers require this document.

Issued directly. If there is a request from the victim, he is also given this document.

At the same time, the following documents are necessarily attached to the protocol, but the participants in the accident themselves are not given the following documents:

• road accident diagram - drawn up based on an inspection of the scene of the accident;
• Appendix – describes all mechanical damage to the vehicle;
• explanatory - both participants and eyewitnesses of the incident.

If a traffic accident causes serious bodily injury, then in addition to those indicated above, the following documents are also drawn up:

• protocol for checking/inspecting the technical condition of vehicles;
• the result of a medical examination - for the presence of alcohol or drug intoxication.

To get acquainted with how to draw up documents correctly in case of an accident, it is enough to simply study the legislation in force on this matter. This way, a lot of problems can be avoided.

Document for independent examination in case of an accident

Often, as a result of a traffic accident, various kinds of controversial issues arise.

For example, when drivers have any serious disagreements regarding an accident or the insurance company has significantly underestimated payments. In this case, the best way out of this situation is to conduct an examination in an independent organization.

To carry out this procedure, you will need not only the car itself and the desire of the owner, but also a certain list of documents.

It includes the following:

• provided for the examination of the vehicle;
• PTS – vehicle passport;
• certificate from the scene of a traffic accident - usually issued by a traffic police officer and given to all participants;
• passport of a citizen of the Russian Federation or another document that serves as an identification document for the customer of the examination;
• service book – if the vehicle is being serviced by an authorized dealer.

If the customer is a legal entity, then in this case it will be necessary to provide the following documents in addition to the above documents:

• original purchase and sale agreement;
• confirmation of the cost of the car.

The procedure for conducting an independent examination also has a large number of nuances.

It makes sense to carry it out only if the difference between the amount required for repairs and the insurance paid is more than 15% of the required amount. In all other cases there is no point in initiating legal proceedings.

Documents for insurance after an accident under compulsory motor liability insurance

To receive payments from the insurance company in the event of a traffic accident, it will be necessary to provide a fairly extensive list of documents.

The absence of even one will be grounds for refusal to pay compensation. In this case, all necessary documents must be submitted to the insurance company no later than within the next 5 working days.

Otherwise, compensation may also be refused on completely legal grounds.

The list of documents required to receive payment under compulsory motor liability insurance includes the following:

• notification of an accident;
• a certificate of a traffic accident issued by a traffic police officer;
• protocol on the commission of an administrative offense;
• directly the application itself asking for compensation for harm.

Moreover, depending on various circumstances, it will be necessary to attach additional documents to the basic set of documents.

If any damage was caused to the victim’s property (vehicles, buildings, other property of individuals):

• document confirming ownership;
• the result of an independent examination of the damage caused to property;
• receipts for payment for an independent examination - if this procedure was carried out at the expense of the client of the insurance company;
• a document confirming the provision and payment of services for the evacuation of a car;
• a document for payment for services for storing property that has been damaged in any way;
• other documents that the victim considers necessary to submit for review to the insurance company specialists.

If, as a result of a traffic accident, the only breadwinner in the family died and it is necessary to compensate for damage, then the following documents will also be required:

• a statement listing family members and their details in as much detail as possible;
• a copy of the death certificate;
• birth certificate of the child - if at the time of the death of the victim he was dependent on him;
• certificate of disability as a result of injuries caused by an accident;
• confirmation of the need for constant care due to damage to health as a result of a traffic accident.

It will also be necessary to submit insurance documents to receive funds directly for the burial of the deceased:

• death certificate;
• documents confirming the existence of expenses.

The insurance company compensates for damage resulting from various types of related expenses - purchasing medicines, receiving services (the victim must not have the right to receive this).

In this case, you must submit the following documents:

• extract from the medical history;
• confirmation of payment for services;
• confirmation of the fact of purchase of medicines;
• medical report.

A complete list of documents for receiving payments in any particular case is reflected directly in the insurance rules of a particular company.

But it must be remembered that if the Investigative Committee requires documents, the execution of which for some reason is simply not possible, the victim has the right to file a corresponding application with the court.

Deadline for submitting the package to the Investigative Committee

The deadline for submitting documents to the insurance company is regulated by:

• clause 3 art. Law No. 11;
• paragraph 43.

According to these regulatory documents, it will be necessary to notify your insurance company about the fact of a traffic accident.

According to clause VII-41-42 of the MTPL Rules, all forms and necessary documents must be submitted to the Investigative Committee by registered mail or in person within no more than 5 days.

If the traffic accident occurred in remote places, this period can be extended to 15 days.

But it must be remembered that submitting all documents even much later than 15 days is not grounds for refusing payment.

If there is a violation of the deadlines, a refusal to pay can be made legally only in the case where the lack of data about the accident could in any way affect the obligation to pay compensation.

Now everyone knows that it is necessary to insure their liability in order to legally drive a car and, in the event of an accident on the road, receive compensation for damage to health or the vehicle, or both at the same time, from the insurer. Only the injured party should file a claim with the insurance company, because payments are not provided to the party that violated the Traffic Rules and caused a collision with another vehicle.

When to contact your insurance company after an accident?

After a transport accident has occurred, the insurance company must be notified immediately about the incident, that is, as soon as such an opportunity arises. The form of notification is usually a telephone call, but you need to clarify this and look at the terms of the Insurance Contract. Some companies' websites provide online notification of accidents via the Internet.

The victim's further application to the insurance company with the required package of documents must be made within 5 working days.

Important! Under direct compensation, the victim must submit a claim to his insurer.

In the event that in an accident:

• two vehicles are involved, including trailers;
• damage was caused only to cars;
• both participants have valid MTPL policies;

The victim should present documents to his insurance company. Such a case of compensation for damage in the MTPL Law is called direct.

Deadlines for contacting insurance after an accident

In the Rules of Compulsory Civil Liability Insurance, the period during which an application is submitted to the insurance company is not separately indicated. But there is a link between filing an application and the deadline for filing the Notification of an Accident. Therefore, this must be done as soon as possible, but no later than 5 working days from the moment of the accident.

Important! The application must be sent to the insurance company within 5 days!

You should always carefully read all documents you sign to be prepared for the future. Because if the five-day period is violated, the insurer may subsequently refuse on this basis. And then you may have to resolve the issue with the deadline only in court.

Documents for contacting the insurance company after an accident

To smoothly receive money for damages from an insurance organization, you will need to prepare and send the following documents:

1. application for payment (download sample 2017, usually filled out at the insurer’s office);
2. a copy of the citizen’s passport (or other document);
3. a copy of the car registration certificate;
4. a copy of the vehicle's passport;
5. banking organization details for transferring payments;
6. certificate of accident;
7. notification of an accident;
8. copies of the protocol and resolution on the administrative offense;
9. power of attorney for a representative, if it is not the beneficiary himself who is declaring (download sample).

The list of documents can be supplemented by the victim himself if there are documents confirming any other circumstances of the case, for example, if the damage was caused not to vehicles, but to other property.

Contacting the insurance company after 5 days

If the victim applied to the insurance company with an application for insurance payment after the expiration of the five-day period established by law, then according to clause 4.22 of the “Regulations on the rules of compulsory insurance of civil liability of vehicle owners” (approved by the Bank of Russia on September 19, 2014 No. 431-P), the period may be extended, but only in the case when this payment depends on the results of proceedings in a criminal or civil case, or a resolution on an administrative offense has not been issued identifying the culprit of the accident. The period may be extended until the end of the specified proceedings in the case.

If you miss the deadline to contact your insurance company in case of an accident

If the deadline for filing a notification about an accident is missed, the statute of limitations for claims for damages is 3 years according to current legislation. Thus, the victim will need to file a claim in court for compensation for damage caused as a result of the accident.

What happens if you don’t take the documents after an accident to the insurance company?

If the victim filed an application for insurance payment, but did not provide documents, the insurer is obliged to notify within three days that the documents provided are insufficient to confirm the occurrence of the insured event, and indicate a complete list of the required package of documents that should be provided.

If the documents were not provided to the insurance company, recovery for the damage caused, both property and damage to the life and health of the victim, can be made in court in the framework of civil proceedings from the culprit of the accident. To do this, it is necessary to collect the required documents, including a court ruling that has entered into force, and conduct an independent examination of the vehicle and its estimated value. The statement of claim is submitted according to the jurisdiction of the cases and the amount recovered: up to 50 thousand rubles - to the magistrate; more than 50 thousand rubles - to the district court. The claim is filed for compensation of property damage at the place of residence of the defendant, but if harm is caused to the life and health of the victim, the plaintiff has the right to go to court at his place of residence.

Is it necessary to notify the insurance company of an accident (traffic accident)?

If a participant in an accident - a victim - plans to exercise the right to receive an insurance payment, then he is obliged to provide notice of the accident to the insurance company that has entered into a compulsory motor liability insurance agreement with him.

Do I need to fill it out?

The notification of an accident is mandatory and must also be signed by the other driver involved in the accident in accordance with clause 3.5 of the Regulations on the rules of OSAGO. The notice is filled out by each driver on one prescribed form provided along with the MTPL agreement, regardless of whether the relevant documents were filled out by the police officers who arrived at the scene of the accident. If there are disagreements between drivers, or more than two vehicles were involved in an accident, or if it is impossible for the participants in the accident to fill out one form, the law provides for each driver to fill out his own notification form (download the form).

If not provided (not submitted)

The law provides for a recourse claim against the culprit of the accident if he did not provide information about the road accident to his insurance company. The victim also has the right to submit claims for compensation for property damage or compensation for harm caused to life and health in civil proceedings, and to recover moral damages caused harm. Therefore, it is better for the person at fault in an accident to immediately notify the insurance company about the accident and provide the necessary notice in order to avoid a recourse claim.

Is a notification of an accident a claim to the insurance company?

A notification of an accident is not a statement of insurance payment, but is a notification to the insurer of the occurrence of an insured event. The completed accident notification form is submitted by the victim to the insurer that insured his civil liability. And only together with this notice can the victim submit an application for direct compensation for damage.

European Protocol Statement

A notification of a traffic accident or a “European report” in the case of direct compensation or without it, must be completed, handed over or sent to the insurance company as soon as possible after the traffic accident, but no later than 5 working days. Such an insurance notice can be sent to the place of residence or location of the victim, or even to the place of the accident.

In accordance with clause 2.5 of the Traffic Regulations, the driver involved in a traffic accident is obliged to take the following measures:

1. immediately stop (do not move) the vehicle, turn on the hazard warning lights and display a warning triangle in accordance with the requirements of paragraph 7.2 of the Rules, do not move objects related to the incident;
2. take measures to provide first aid to the victims, call an ambulance, and in emergency cases, send the victims on a passing one, and if this is not possible, deliver them in your vehicle to the nearest medical facility, provide your last name, vehicle registration plate (with presentation identification document or driver's license and vehicle registration document) and return to the scene of the incident;
3. clear the roadway if the movement of other vehicles is impossible. If it is necessary to clear the roadway or deliver victims in your vehicle to a medical facility, first record in the presence of witnesses the position of the vehicle, traces and objects related to the incident, and take all possible measures to preserve them and organize a detour to the scene of the incident;
4. report the incident to the police, write down the names and addresses of eyewitnesses and wait for the police to arrive.

If as a result of a traffic accident no casualties , drivers, with mutual agreement in assessing the circumstances of the incident, can, in accordance with clause 2.6 of the traffic rules, having previously drawn up a diagram of the incident and signed it, arrive at the nearest road patrol service (DPS) post or police department for.

Those received from the police will be necessary to receive insurance payment under the MTPL agreement.

In accordance with clause 2.6.1 of the Traffic Regulations, registration of documents about an accident can be carried out by drivers filling out accident notification forms, if as a result of a traffic accident involving two vehicles, the civil liability of whose owners is insured in accordance with the legislation on compulsory motor liability insurance, damage caused only property and circumstances of harm in connection with damage to property as a result of a traffic accident, the nature and list of visible damage to vehicles do not cause controversy participants in a traffic accident.

In accordance with clause 37 “”, upon the occurrence of an insured event (traffic accident), drivers are obliged to take the necessary measures in the current circumstances in order to reduce possible losses from the incident, write down the names and addresses of eyewitnesses and indicate them in the notification of the traffic accident incident, take measures to prepare documents.

2. How to properly prepare documents in case of an accident

In accordance with clause 38 "", the driver - a participant in a road accident is obliged to inform other participants in the accident who intend to make a claim for compensation for damage, information about the compulsory insurance agreement, including the number of the compulsory insurance policy, as well as the name, address and insurer's phone number.
Participants in a traffic accident must notify their insurers of the occurrence of an insured event.

In accordance with clause 40 "", registration can be carried out in the presence of the insurer (representative of the insurer) to determine the circumstances of the accident and the damage(s) caused as reported by the insured or the victim. To do this, a driver who is a participant in a road traffic accident and intends to make a claim for insurance payment has the right to inform the insurer or his representative in any available way (for example, by calling the telephone numbers specified in the compulsory insurance policy) about the place and time of the road traffic accident, as well as the circumstances that gave rise to it, for the insurer to make a decision on the need to go to the scene of the traffic accident.

Attention! must be filled out in case of any incident if damage is caused to the vehicle or the property of other persons, or to the life or health of other persons, including vehicle passengers.

2.1. Preparation of documents about road accidents without police officers

In accordance with "", registration of a traffic accident can be carried out without the participation of authorized police officers if there is simultaneously the following circumstances:

1. as a result of a traffic accidentdamage was caused only to property;
2. 2 vehicles, civil responsibility of the owners of which insuredin accordance with the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners”;
3. circumstances of harm in connection with damage to property as a result of a traffic accident and (or) determining the nature and list of visible damage to vehiclesdo not cause controversyparticipants in a traffic accident and are recorded in notifications of a traffic accident, the forms of which are filled out by drivers of vehicles involved in the traffic accident.

In this case, the form is filled out by both vehicle drivers. The circumstances of the harm, the diagram of the traffic accident, the nature and list of visible damage are certified by the signatures of both drivers.

Important! In case of registration of documents about a road traffic accident without the participation of authorized police officers, the amount of insurance payment due to the victim in compensation for damage caused to his property, cannot exceed 25 thousand rubles.

The victim does not have the right to make additional claims to the insurer for compensation for damage caused to his property as a result of such a traffic accident.

To exercise the right related to compensation for damage caused to his property in the amount exceeding 25 thousand rubles, the victim can file a claim in court against the person who caused the harm.
The victim has the right to contact the insurer who insured the civil liability of the person who caused the harm for compensation for damage caused to life or health if it arose after the claim for insurance payment was made and about which the victim did not know.

The insurer has the right to order an independent examination of vehicles involved in a traffic accident in the event of detection of contradictions regarding the nature and list of visible damage to vehicles and (or) circumstances of harm in connection with damage to property as a result of a traffic accident, recorded in the submitted notification of a traffic accident.

2.2. Preparation of documents regarding road accidents by police officers

If there are disagreements regarding the circumstances of damage to property as a result of a traffic accident, the nature and list of visible damage to vehicles, the refusal of one of the participants in the traffic accident to sign a notice, or the amount of damage exceeding an approximate estimate of 25 thousand rubles, registration of a traffic accident transport incident is carried out with the participation of authorized police officers.

Traffic police officers draw up documents about road accidents in accordance with the “Administrative Regulations” (Order of the Ministry of Internal Affairs No. 185). At the same time, the registration procedure differs depending on the severity of the consequences of the traffic accident.

If the accident resulted in personal injury(with the exception of grievous harm - criminal liability is provided for this):

• a protocol of inspection of the place where the administrative offense was committed is drawn up, to which is attached a diagram of the place where the administrative offense was committed;
• a decision is made to initiate a case of an administrative offense and conduct an administrative investigation;
• Explanations are obtained from participants and witnesses of the traffic accident.
• participants in a road traffic accident, other persons whose life, health or property was damaged, are issued certificates of a road traffic accident in the form approved by Order of the Ministry of Internal Affairs of Russia dated April 1, 2011 N 154 “On approval of the form of a certificate of road traffic accident” -transport accident"

No harm to health:

• a diagram of the place where the administrative offense was committed is drawn up;
• Explanations are obtained from participants and witnesses of the traffic accident;
• participants in a road traffic accident, other persons whose property was damaged in the process, are issued certificates of a road traffic accident in the form approved by Order of the Ministry of Internal Affairs of Russia dated April 1, 2011 N 154 “On approval of the form of a certificate of a road traffic accident” .

If administrative responsibility for violating traffic rules not installed, a reasoned ruling is issued to refuse to initiate proceedings regarding an administrative offense.

If administrative liability for traffic violations is provided- a protocol on an administrative offense is drawn up, or a resolution is issued in a case of an administrative offense.

When at the scene of an accident It is not possible to establish the composition of an administrative offense, it is necessary to carry out an examination or other procedural actions that require significant time, a determination is made to initiate a case of an administrative offense and conduct an administrative investigation (paragraphs 202 - 204 of the “Administrative Regulations”).

In accordance with clause 216 of the “Administrative Regulations”, the preparation of individual materials on the fact of a traffic accident (writing a report, obtaining explanations, other actions) and the issuance of certificates to participants in a traffic accident is carried out by an employee at the scene of the traffic accident.

If circumstances arise that prevent the performance of these actions at the scene of a traffic accident (the need for an employee to go to the scene of a crime, another traffic accident, a complication of the operational situation, the need to move damaged vehicles to a safe place, other circumstances), these actions are as directed (permission) of the duty officer or head of the unit can be carried out subsequently in another place, including at the location of the unit, at a stationary traffic police post within 24 hours from the moment the traffic accident occurred.

All documents must be completed in the presence of drivers and with their direct participation. The exception is interviews with witnesses and eyewitnesses.

Before the arrival of traffic police officers, it is advisable to write down the names and coordinates of witnesses to the accident; if necessary, you can promise them that you will compensate them for all expenses associated with participation in the investigation of an accident (appearances at the traffic police, court, etc.). This information must be saved, and a copy of the list must be given to the traffic police officers who arrive at the scene.

Important! You should carefully read the inspector’s notes in the protocol, as well as the diagram of the incident drawn up by him, and if you do not agree with something, then you must reflect all your comments in writing in the protocol. In addition, you need to pay attention to the factors listed below, and if any of them could have influenced the situation in which the accident occurred, then this also needs to be recorded in the protocol:

• Condition of the road surface. In particular, if the road surface has defects (holes, potholes, cracks, etc.), then it is advisable to measure their parameters (length, depth, width) and record them in the protocol. If the size of the defects exceeds the maximum permissible value (the maximum permissible size of road surface defects is determined by GOST R50597-93), then responsibility for the resulting road traffic accident can be fully or partially assigned to road services.
• Availability and condition of road equipment, as well as technical means and devices for organizing traffic: traffic lights, road markings, traffic signs, etc., as well as the order of their location (location, height, etc.). It is possible that the accident occurred, for example, due to a faulty traffic light. If some road sign or marking line does not correspond to the legally established form (for example, incorrect color design), then in this case responsibility for the accident can be shared with the road service that installed this sign or applied the markings, and the traffic police, which must monitor the condition technical means of traffic management.
• The scene of a traffic accident. Perhaps the accident occurred in a low-lying area where there was fog at the time of the accident, or on a section of the road that was poorly visible for some other reason. In some cases this may serve as a mitigating circumstance.
• The presence of puddles, ice, dirt, etc. in the area of ​​the accident, preferably indicating their exact dimensions.
• The presence of traces of the braking distance, if any, as well as other traces of an accident in the area of ​​the accident, such as: fragments or parts of the car lying in the area of ​​the accident, objects thrown out of the trunk or passenger compartment as a result of the impact, etc.
• If the road has a slope, it is also recommended to reflect this in the protocol.

2.3. Filling out an accident report

In accordance with paragraph 41 "", drivers of vehicles involved in a traffic accident are required to fill out traffic accident notification forms issued by insurers, regardless of the execution of documents by police officers who arrived at the scene of the traffic accident.

The form of the notification form was approved by the Order of the Ministry of Internal Affairs of the Russian Federation “On approval of the form of notification of a road traffic accident” dated May 23, 2008, No. 449 as subsequently amended by the Order of the Ministry of Internal Affairs of the Russian Federation dated August 5, 2008 No. 720).

The notification of an accident consists of a front part and a back part. In order to exclude subsequent disputes between the participants in the accident regarding the circumstances of the harm, the nature and list of visible damage to the vehicle, it is necessary to fill out the front part of the notice together with the other driver involved in the accident at the scene of the accident. The reverse side can be filled in later.

In the absence of disagreement in the circumstances of harm and a traffic accident, the nature and list of visible damage to vehicles, minor damage, it is allowed for 2 drivers to fill out one form for notification of a traffic accident together. Drivers notify policyholders about a traffic accident and fill out forms for such notifications.

When involved in a traffic accident more than 2 vehicles and the presence of disagreements among drivers in their assessment of what happened, as well as when impossibility of joint filling drivers of one form for notification of a road traffic accident (for health reasons, in the event of the death of the driver, due to the refusal of one of them to fill out the form together or for other reasons), each driver is allowed to fill out his own notification form indicating the reason for the impossibility of filling out the notification together traffic accident. In the event of the death of the driver, the notification of a traffic accident in relation to this vehicle is not filled out by other persons.

In case of harm to the life or health of passengers located in vehicles, the notification of a traffic accident indicates the presence of injured passengers. If participants in a traffic accident have information about the injured passengers (last names, first names, patronymics), they must provide this information to the insurer.

Front side of the notice contains fields and columns that indicate: place, date, time of the accident, information about the participants in the accident, information about insurers, information about the nature and list of visible damaged parts and elements, information about the circumstances of the accident and other necessary information.

It is necessary to fill out the fields of the notification form very carefully, indicating all the information about the accident, its participants and witnesses. A correctly completed notice guarantees that you will receive insurance. Check how the other driver involved in the accident wrote the name and address of the insurance company, whether he put crosses everywhere where necessary, whether he completely indicated the insurance contract number, etc.

Be careful when describing visible damage to a particular vehicle part. If any visible damage is not indicated in the notice, the insurance company has the right to conclude that this part was damaged not as a result of this accident, but under other circumstances, which may lead to a refusal to reimburse the cost of repair or replacement of this part. Hidden damage to cars is revealed during subsequent inspection of the vehicle by experts.

The downside of an accident report contains fields and columns that indicate the necessary, in the opinion of drivers involved in an accident, additional information about the accident.

In the event of a multi-vehicle collision notifications are filled out with the drivers who drove the vehicles closest to your car, for example: with the driver involved in the accident who was in front of you or with the driver involved in the accident who was behind you.

3. Procedure for submitting documents to the insurance company

To resolve the issue of making an insurance payment, the insurer accepts the following regarding a traffic accident:

• issued by authorized police officers who arrived at the scene of the incident following a report from its participants;
• issued by police officers at the nearest road patrol post or at a police unit in accordance with paragraph 2.6 of the traffic rules (in the absence of victims in the event of a traffic accident, whose life and health were harmed, as well as with mutual agreement of the drivers in assessing the circumstances of the incident);
• issued by participants in a traffic accident (no victims, 2 vehicles).

A victim who intends to exercise his right to an insurance payment is obliged to notify the insurer of the occurrence of an insured event as soon as possible.

As soon as possible, but no later than 15 working days after the traffic accident, the insurer or the insurer’s representative must be given the completed ( or sent by any method that provides confirmation of sending).

A notification about a traffic accident can be transmitted by fax while simultaneously sending its original by registered mail to the address of the insurer specified in the insurance policy.

The driver who is the victim submits to the insurer his or her own notification form about a traffic accident or a single notification form filled out jointly with other participants in the traffic accident simultaneously with the submission of an application for insurance payment.

The victim sends an application for insurance payment to the insurer, or the insurer’s representative at the victim’s place of residence (location), or to the insurer’s representative in the constituent entity of the Russian Federation on the territory of which the traffic accident occurred.

When damage to property is caused, the victim, who intends to exercise his right to insurance payment, is obliged to present the damaged property or its remains for inspection and (or) organization of an independent examination (assessment) in order to clarify the circumstances of the harm and determine the amount of damages to be compensated, and the insurer - conduct an inspection of the damaged property and (or) organize an independent examination (assessment).

The insurer inspects the damaged property and (or) organizes an independent examination (assessment) by issuing a referral for examination (assessment) within a period of no more than 5 working days from the date of receipt of the application for insurance payment and documents from the victim, unless another period is agreed upon by the insurer with the victim.

The insurer is obliged to agree with the victim on the time and place of the inspection and (or) organization of an independent examination of the damaged property, taking into account the work schedule of the insurer, the expert and the period of inspection of the damaged property specified in this paragraph, and the victim is obliged to present the damaged property at the time agreed with the insurer.

If the nature of the damage or the characteristics of the damaged property exclude its presentation for inspection and (or) the organization of its independent examination (assessment) at the location of the insurer and (or) the expert (for example, damage to a vehicle that precludes its participation in road traffic), inspection and ( or) an independent examination (assessment) is carried out at the location of the damaged property.

If, based on the results of an inspection of the damaged property carried out by the insurer, the insurer and the victim reach an agreement on the amount of the insurance payment and do not insist on organizing an independent examination (assessment) of the damaged property, such an examination (assessment) may not be carried out.

If, after an inspection of the damaged property by the insurer, the insurer and the victim do not reach an agreement on the amount of the insurance payment, the insurer is obliged to organize an independent examination (assessment), and the victim is obliged to provide the damaged property for an independent examination (assessment).

If the insurer does not inspect the damaged property within the prescribed period (5 days) and (or) does not organize an independent examination (assessment), then the victim has the right to independently request the organization of such an examination, without presenting the damaged property to the insurer for inspection.

When deciding on an insurance payment, the insurer uses the results of this independent examination.

In order to clarify the circumstances of the damage caused to vehicles, establish the nature of damage to the vehicle and their causes, technology, methods, cost of its repair, as well as the actual value of the vehicle on the date of the traffic accident, an independent technical examination of the vehicle is carried out in accordance with the rules , approved by the Government of the Russian Federation.

If an inspection and (or) independent examination (assessment) of the damaged property or its remains presented by the victim does not allow one to reliably establish the existence of an insured event and the amount of losses subject to compensation under a compulsory insurance contract, to clarify these circumstances, the insurer has the right to inspect the insured’s vehicle, when using which the victim was harmed, and (or) organize an independent examination of this vehicle, and the policyholder is obliged to present this vehicle at the request of the insurer for organizing an independent examination.

In this case, the insurer is obliged to inspect the vehicle and (or) organize an independent examination (assessment) and pay the costs of its implementation.

The results of the inspection and (or) independent examination (assessment) are documented in writing and signed by the insurer (his representative), the expert (when conducting an independent examination) and the owner of the vehicle.

3.1. Direct procedure for compensation of losses

The victim has the right to make a claim for compensation for damage caused to his property, directly to the insurer who insured the civil liability of the victim (direct compensation for losses), in the presence of simultaneously the following circumstances:

1. damage was caused as a result of a traffic accidentonly property;
2. a traffic accident occurred involving2 vehicles, the civil liability of whose owners insuredin accordance with the Federal Law “On Compulsory Insurance of Civil Liability of Vehicle Owners”.

The insurer that insured the civil liability of the victim assesses the circumstances of the accident set out in the notice and, on the basis of the submitted documents, compensates the victim at his request for damage caused to the victim’s property in the amount of the insurance payment on behalf of the insurer that insured the civil liability of the person who caused the harm ( provides direct compensation for losses).

The exercise of the right to direct compensation for losses does not limit the right of the victim to apply to the insurer who insured the civil liability of the person who caused the harm for compensation for damage that was caused to life or health, arose after the filing of a claim for insurance payment and which the victim did not know about at the time of filing the claim. .

Depending on the type of harm caused, the victim provides the insurer with other documents:

When causing damage to the property of the victim(vehicles, buildings, structures, structures, other property of individuals and legal entities):

• documents confirming the victim’s ownership of the damaged property or the right to insurance payment in case of damage to property owned by another person;
• the conclusion of an independent examination on the amount of damage caused, if an independent examination was carried out, or the conclusion of an independent technical examination on the circumstances and amount of damage caused to the vehicle, if such an examination was organized independently by the victim (if the examination was organized by the insurer, the expert opinions are kept by him);
• documents confirming payment for the services of an independent expert, if the examination was carried out and payment was made by the victim;
• documents confirming the provision and payment of services for the evacuation of damaged property, if the victim requires compensation for the corresponding expenses. The costs of towing a vehicle from the scene of a traffic accident to the place of its repair or storage are subject to reimbursement;
• documents confirming the provision and payment for services for storing damaged property, if the victim requires reimbursement of relevant expenses (storage expenses are reimbursed from the day of the traffic accident until the day the insurer conducts an inspection or independent examination);
• other documents that the victim has the right to submit in support of his claim for compensation for the harm caused to him, including estimates and invoices confirming the cost of repairing damaged property.

In the event of the death of the victim (breadwinner):

• a statement containing information about family members of the deceased victim, indicating the persons who were dependent on him and who have the right to receive maintenance from him;
• a copy of the death certificate;
• birth certificate of the child (children), if at the time of the insured event the deceased had minor children as their dependents;
• a certificate confirming the establishment of disability, if on the date of the insured event the deceased was dependent on disabled people;
• a certificate from an educational institution stating that a family member of the deceased who has the right to receive compensation for harm is studying at this educational institution, if at the time of the insured event the dependents of the deceased were persons studying at the educational institution;
• conclusion (certificate of a medical institution, social security authority) on the need for outside care, if at the time of the insured event the deceased was dependent on persons who needed outside care;
• a certificate from a social security authority (medical institution, local government authority, employment service) stating that one of the parents, spouse or other family member of the deceased does not work and is caring for his relatives, if at the time of the insured event the deceased had non-working members dependent on them families involved in caring for his relatives.

Necessary expenses for the burial of the deceased:

• a copy of the death certificate;
• documents confirming the necessary funeral expenses incurred.

Reimbursement of additional expenses incurred caused by damage to health as a result of an insured event, expenses for treatment and the purchase of medicines, to which the victim is not entitled to receive free of charge:

• an extract from the medical history issued by the medical institution;
• documents confirming payment for the services of the medical institution;
• documents confirming payment for purchased medications;
• medical report, conclusion of a medical-social or forensic medical examination on the need for additional nutrition, prosthetics, outside care, sanatorium treatment, special vehicles.

The driver of a vehicle damaged in a traffic accident can receive compensation for damages under the MTPL insurance policy only if notification of the accident is promptly submitted to the company that took out insurance for the car. At the same time, it is important to collect and complete all the necessary documentation so that the insurer does not delay payments.

The main thing is to realize that incorrect execution of the notice and other documents, independence at the scene of the accident and, of course, repairs before the examination - all this can cause the insurance company to refuse to pay you monetary compensation for damage. Also, if you violated the terms of the contract, the insurer has the right to underestimate the amount of compensation paid.

Let's figure out what documents need to be prepared for insurance after an accident and how to prepare them correctly to avoid disputes with the company.

First actions after an accident

A traffic accident is unconditionally considered an insured event. The law obliges the culprit of the accident to pay compensation to the victims, but in our country this concern is taken over by the insurance company that provided the culprit with a compulsory motor liability insurance policy. In addition to some exceptions that are specified in the contract, for example, the use of alcohol, drugs or car malfunction. In this case, only CASCO insurance can reimburse the amount for repairs.

The traffic rules state that after a traffic accident you should do the following:

1. Stop immediately;
2. Turn on the hazard lights on the vehicle;
3. Carry out a thorough inspection of the scene of the traffic accident;
4. Place a warning triangle on the road;
5. Record the last name, first name, patronymic, address and telephone number of both participants in the accident and witnesses to the accident;
6. Fill out a notification form together with the other driver, if necessary with the participation of a traffic police inspector, and give a copy of it to the second participant in the accident;
7. If the accident requires this, call the police officer and wait for the report to be drawn up, which should be received in the hands of each participant in the accident in the form of copies;
8. Next, you need to notify the insurance company that you have been involved in a traffic accident;

If there were injured or dead citizens in an accident, it is necessary to call an ambulance and the police, and, if possible, ensure prompt delivery of the wounded to a medical facility.

Europrotocol

If the accident only caused property damage, then according to paragraph 2.6.1 of the traffic rules, you have the right to issue a notice and all documentation without a traffic police inspector.

In this case, it is imperative that there are no disputes between drivers about the nature and mechanism of damage. Please note that the insurance company may consider this situation to be collusion if the damage was serious. The European protocol made it possible to reduce the number of congestions on Russian roads that formed as a result of accidents.

The MTPL insurance contract stipulates that when using the Europrotocol, the insurer has the right to require the vehicle to be inspected within the first week after the accident.

Please pay attention to this and under no circumstances operate the car during this period so that it does not get into an accident, and also do not repair the vehicle yourself. Remember that when using the European protocol, it is very important to fill out the form as accurately as possible and complete other documentation. Let's figure out what documents need to be prepared for the insurance company in case of an accident so that compulsory motor liability insurance is not disputed by the insurer and full compensation for damage is ensured.

Required documents for compensation of damages under MTPL

According to the Code of Administrative Offenses and insurance contracts of companies, a participant in a traffic accident must provide the insurer with a certain list of documentation.

If a traffic police inspector was present when registering the accident, then you must provide the insurer with: a certificate of the accident numbered 154, a protocol and a resolution from the traffic police inspector, you are allowed to provide copies.

Every driver should know what documents are needed to apply for compensation in case of an accident.

In any case, the following documents are required to be provided:

1. Notification of an accident for the insurer, which is provided along with the MTPL policy and filled out at the scene of the accident;
2. STS and PTS of the vehicle;
3. Driver's license of the person driving the car;
4. Passport of a citizen of the Russian Federation;
5. If necessary, you must provide a power of attorney for the vehicle if it was not driven by the owner.

There is no need to carry out the examination yourself; this can be done after the insurance company has issued a referral to a specialized organization. If the driver independently conducts an examination, then, according to the legislation of the Russian Federation, the insurance company has the right to ignore the conclusion that was issued without authorization from the insurer.

What to do after submitting documentation to the insurance company office?

When you have prepared all the documents and submitted them to the organization that issued the MTPL insurance policy for you, then within a week you are obliged to provide the damaged vehicle for inspection and examination.

Over the next week, the insurance company will inspect your car and, if necessary, conduct a professional examination in a specialized organization. But there is a clause in the contract that if, after the examination, the victim agrees with the proposed amount of compensation, then it is not necessary to carry out the examination, and you can begin to pay the money.

If the insurance company does not organize an inspection and examination within 10 working days, then only the injured car owner has the right to conduct an examination in a specialized organization independently, and then submit the resulting conclusion to the insurer.

After all these operations, the insurance company is obliged to pay the amount of money within twenty working days, according to the calculated insured amount. Or issue a referral for repairs which will be paid for by the insurer in advance. If the company decides to refuse payment, it must notify the victim within ten working days.

If you disagree with the insurer on anything, then you have the right to sue him, but in this case you will need the help of a qualified auto lawyer.

A few words about CASCO

In any case, it is best to have CASCO insurance included in your vehicle insurance policy. This way, you are guaranteed to provide high-quality repairs for damage of any level and will be confident in the safety of the money invested in the car.