Where can I get a certificate of an accident for the insurance company?

Certificate of accident for insurance

The content of the article

How to get a certificate of an accident? An accident certificate is an official document that was used until 2017. With its help, the injured party could demand compensation for damage from the insurance company or from the direct culprit of the accident. Therefore, filling out the document had to be done in full accordance with the letter of the law. When is a traffic accident certificate issued?

Why was a traffic accident certificate needed?

The document had a unified form - form No. 154. Until 2017, a certificate of an accident was one of the obligatory documents that were submitted to an insurance company in order to receive compensation for a road accident. Correct completion of the document was a guarantee of receiving payment. The insurer could refuse to transfer funds if inaccuracies were made when filling out certificate No. 154.

A certificate from the scene of the accident could be used in court. For example, when the defendant in the case were representatives of an insurance company who refused to pay compensation or restore the car to the injured citizen. Or when the defendants were city authorities/utility services who became the culprits of the accident due to negligence in their duties.

Note!

If the vehicle involved in the accident was a service vehicle, then the driver was required to submit a certificate in Form No. 154 to the HR department of the employing organization so that the money for restoring the vehicle would not be deducted from his salary.

Who issues a certificate of an accident?

According to the Order of the Ministry of Internal Affairs of the Russian Federation “On approval of the form of a certificate of a road accident” No. 154, which has already lost its relevance, a certificate of an accident was issued by a traffic police inspector who arrived at the scene of the accident.

According to the general rule, a document confirming the fact of a road accident was drawn up and issued immediately at the scene of the collision. But if there were reasons that made this impossible - for example, the squad went to a new urgent call or additional examination was required - certificate No. 154 should have been issued at the traffic police department within the next 24 hours.

How to get a certificate of an accident

If the traffic police officer who arrived at the scene of the incident for some reason did not issue certificate No. 154 to the participants in the accident, they have the right to come to the State Traffic Inspectorate unit, whose employees recorded the incident, and receive the completed document there.

If third parties were injured in the accident, they also have the right to request a certificate of the accident from the traffic police. If a person could not receive the document immediately at the scene of the accident or within the next 24 hours—for example, he was taken to the hospital—you can pick it up later. If a participant in the incident or a third injured party cannot come to collect the document on their own, they have the right to use the services of a representative by issuing a notarized power of attorney.

Registration of a certificate about an accident

Since until 2017 the document was one of the main grounds on which insurance payments were made, special attention was paid to the correctness of its completion.

Despite the fact that drawing up certificate No. 154 about the accident was the direct responsibility of the traffic police inspector, it was advisable for the participants in the incident to check it for errors and inaccuracies. There were often situations when, in a hurry, mistakes were made in the document and inaccurate data was indicated. As a result, the victims could not receive compensation under the MTPL policy.

The accident report contained the following information:

address, time and date of the accident;
names of participants in the accident, driver's license numbers;
car brands, license plates, VIN;
information about the victims, if any
information about the presence/absence of an offense;
the names of the insurance companies of those involved in the accident and their policy numbers;
detailed description of vehicle damage.

If there were no victims as a result of the incident, the property and vehicles of the participants were also not severely damaged, filling out the document took a minimum of time. Certificate No. 154 did not require seals and stamps, which significantly simplified the procedure for its registration.

Deadlines for issuing an accident certificate

As mentioned above, the document was issued immediately at the scene of the accident, or within the next 24 hours. If a traffic police officer refused to draw up a document without good reason, this was a direct violation of the law. In such a situation, motorists could file a complaint against the inspector to his higher management of the traffic police.

If some participants in the incident, for objective reasons, were not able to obtain their own copy of the accident certificate, they had the right to receive it later, according to the application, without time restrictions.

Do you need a certificate of road accident in 2019?

Today, a certificate in form No. 154 is not needed. The document has not been issued since August 2017. Instead, the following papers are used to register an accident and receive insurance payments:

Notification of an accident. If drivers called traffic police officers to the scene of the incident, they fill out the document. If the participants in the incident have no disagreements and the amount of damage does not exceed 50,000 rubles, it is allowed to draw up a Europrotocol without traffic police inspectors. But if people or other property other than cars were injured in an accident, the Europrotocol will not work
Protocol on administrative violation. It is compiled by employees of the State Traffic Inspectorate and given to both drivers one copy.
A copy of the decision to impose administrative liability. It is mandatory that the document is issued only to the person responsible for the accident, and sanctions are imposed on him. The victim needs to take the traffic police document or ask the offender. Otherwise, the insurance company may refuse to pay compensation.
If no signs of an administrative offense have been identified against the victim, you must request a copy of the decision to refuse to initiate a case from the traffic police.

Traffic police certificate about an accident: you can’t get it anymore - what to do?

From October 20, traffic police certificates about road accidents will no longer be issued by traffic police officers. Meanwhile, this document is needed by the insurance company.

If such a certificate is no longer given by the traffic police, then where can I get it? Who is responsible for issuing the document, and to whom should the request be sent?

Let us remind you that the certificate was mentioned in the rules of the “motor citizen”, but three years ago the Central Bank began to approve these rules, and it cannot give orders to the Ministry of Internal Affairs. The traffic police were glad that their authority to issue this document would be removed, but now the law enforcement agency has its own new regulations, and there is no mention in it that it is the traffic police that issues a certificate of an accident.

Now, instead of a certificate , drivers who called traffic police inspectors to the scene of an accident can only be given copies of procedural documents .

For the convenience of working with these documents at the insurance company, inspectors will begin to fill out all protocols and resolutions in more detail. Including indicating damage to cars, driver data and MTPL policy numbers.

The driver will also be required to independently fill out a notification of an accident, drawing up a diagram for the situation, and send this document to his insurance company.

Requiring an insurance company to provide a certificate is now considered illegal; in particular, the law on compulsory motor liability insurance does not indicate exactly what documents the traffic police should issue.

Literally, we are talking about “documents about a traffic accident, drawn up by an authorized police officer.” The reference to the certificate still remains in the Insurance Rules, but car owners should remember that the law takes precedence over the Rules.

What is the problem

It is possible that at first there will be a problem with the certificates: insurers will persistently demand their presentation. It is possible that someone will even be faced with a situation where the insurance company will refuse to pay due to the fact that the driver did not provide a certificate of the accident.

Drivers who find themselves in such trouble will have to prove their case in court. Justice will be completely on their side. Judicial authorities in their decisions are guided only by laws, and the law on compulsory motor liability insurance does not mention a certificate of an accident. So, car owners, although they have lost time in litigation, will receive insurance compensation even without a certificate.

Perhaps the Rules in which this ill-fated certificate is mentioned will be quickly corrected. They will do this to prevent arbitrariness on the part of insurance companies. And so as not to give automobile lawyers a reason to profit from this situation.

Cancellation of a road accident certificate from March 24, 2018

Good afternoon, dear reader.

The essence of the innovations is that when contacting an insurance company to receive compensation under compulsory motor liability insurance, the driver does not have to present a certificate of a traffic accident issued by the traffic police.

Let's take a closer look at this innovation.

First of all, let's go back a few months. Starting from October 20, 2017, the new administrative regulations of the State Traffic Safety Inspectorate for the supervision of road traffic came into force. The features of this document are discussed in a separate article, and on its basis a free audio course “Secrets of communication with the traffic police” has been compiled.

One of the innovations was that police officers lost the ability to issue certificates of traffic accidents. In this regard, drivers could have the following problem . In the event of an accident, the police cannot issue a certificate of the accident, and the insurance company refuses to pay due to the absence of this certificate.

Legislative changes dated March 24, 2018 eliminated this discrepancy.

Cancellation of a road accident certificate when contacting an insurance company

Changes have been made to clause 3.10 of the Insurance Rules:

3.10. At the time of filing an application for insurance compensation or direct compensation for losses, the victim attaches to the application:

certificate of a traffic accident issued by the police unit responsible for road safety, in the form approved by order of the Ministry of Internal Affairs of the Russian Federation dated April 1, 2011 N 154 (registered by the Ministry of Justice of Russia on May 5, 2011, registration N 20671), if registration documents about a traffic accident were carried out with the participation of authorized police officers;

The above paragraph is excluded from the rules, i.e. The insurance company no longer has the right to demand a certificate from the driver about the accident.

Similar changes have been made to clause 5.1, which regulates filing a claim with the insurance company:

The victim, in the attachment to the claim, submits originals or duly certified copies of the following documents (if any of the documents listed below were not submitted to the insurer earlier when filing a claim for an insured event):
.

certificate of a traffic accident issued by the police authority responsible for road safety, protocol and resolution of an administrative offense or a ruling refusing to initiate proceedings for an administrative offense. In case of registration of documents about a traffic accident without the participation of authorized police officers, a notification about the traffic accident is provided;

protocol and resolution on an administrative offense or a ruling on refusal to initiate a case on an administrative offense. In case of registration of documents about a traffic accident without the participation of authorized police officers, a notification about the traffic accident is provided;

If you fully analyze the updated text of the insurance rules, you will notice that the phrase “certificate of a traffic accident” no longer appears in it. Those. from March 24, 2018, a certificate of an accident is not required when applying to the insurance company for compensation.

I note that a few more small changes have been made to the insurance rules, but they do not have a strong impact on the lives of car owners. However, if you wish, you can study the updated text of the document yourself:

How to request a certificate of an accident from the traffic police for an insurance company

According to the current legislation and the official announcement of the Central Bank of Russia, a certificate in form No. 154 cannot be requested by an insurance company from a participant in an accident. From October 20, 2017, in order to receive payments under compulsory motor liability insurance, you must provide the following to the insurance company:

notification of an accident (filled out by the participants of the accident on the spot);
a copy of the resolution in the case of an administrative offense (issued at the scene of the accident by the traffic police officer to the culprit of the accident);
a copy of the ruling on termination of proceedings in a case of an administrative offense (if the case is terminated or there is no fine for the violation);
a copy of the protocol, as well as the resolution (when sent to the analysis group).

Further, the text is provided for reference only and the certificate is not relevant in the current year for receiving insurance compensation after an accident.

Why is a certificate needed, which authorities may need it?

A certificate of a traffic accident is issued in the form of a special form in form 154; before that it was issued in the form of a certificate 748, but since October 20, 2017, the document has undergone some changes, which are still valid now. Its presence is necessary for the owner of the vehicle or a person who has a power of attorney to drive a vehicle that is involved in an accident. Possible options for its use are as follows:

Submission to the insurance company. If you have a compulsory motor liability insurance policy, the owner of a vehicle that is involved in an accident has the right to compensate for damage caused to property, health or the lives of other persons. The obligatory moment of issuing such compensation is the provision of information about the accident;
Protecting your interests in court. Vehicle registration certificate? It may be necessary if the insurance company refuses to pay out or send the car for repairs. In connection with this factor, a person who has an insurance policy in his hands can apply to protect his rights in court. It may also be needed if the cause of the accident was the condition of the roads or the presence of factors in which the local authorities or utility services are at fault;
To be presented to the organization that owns the damaged vehicle. This action is necessary if the car that was involved in the accident was provided to the person as a company vehicle.

Receipt times

When receiving compensation for an accident, there are deadlines for contacting the company whose insurance policy the participant in the incident has. In this regard, many motorists are interested in what is the time frame for obtaining such a certificate of an accident? In accordance with the current regulation on road accidents, such a certificate can be obtained from traffic police officers immediately after drawing up a report - on the day of the incident.

If it is not possible to issue a document directly at the scene of the incident (if the inspector is forced to leave due to duty), the time frame for issuing a certificate is 24 hours.

How to get Form 154 if you were not provided with it immediately, literally at the place where the accident occurred? To do this, you will need to contact the traffic police, presenting documents confirming the ownership or control of the vehicle.

Situations when such a document is not necessary

Is Form 154 always necessary, is notification of an accident required, if there is a certificate - such questions often bother motorists, since they do not have complete information about the required documents that may be needed after getting into an accident. Such a document will not be needed in the following situations:

If the accident is recorded (registered) using the Europrotocol;
If all participants in the accident or incident have a compulsory motor liability insurance policy;
If there is no dispute between the participants in the accident as to who is at fault for the accident.

Most experts advise drawing up a document in any case - this way you will insure yourself in the event of any mutual claims and proceedings related to the fact of the accident.

Data contained in Form 154

Filling out such a document is the responsibility of the traffic police, but the motorist must have information about what data it should contain.

So, the list of information and mandatory components is as follows:

An exact indication of the place and time of the incident. In this case, the exact coordinates are reflected - latitude and longitude of the place;
The circumstances that led to the accident;
Number of participants in the accident. All persons who are involved in the accident or are injured are indicated;
Personal data of each motorist who was driving the vehicle involved in the incident;
Data about the vehicles that were involved in the accident. The year of their release, brand and other data that may be important are indicated;
The information obtained as a result of medical research is provided. examination of participants;
Data on whether there is a crime;
A complete list of damages or malfunctions that the car has;
The seal of the organization that issued the document and the signature of the authorized person.

A sample of completed Form 154 can be viewed both at the direct traffic police department and on the official website of the state. organizations.

So, after an accident, a determination and a certificate were issued - what to do next? The mechanism of action of the incident participant in this case is as follows:

Contacting the insurance company to receive compensation for damage caused;
Providing the necessary list of documentation. This includes the personal passport of the client of the insurance organization, insurance policy, medical insurance. certificate, certificate of accident, etc.;
Sending the vehicle for repairs or paying compensation to victims.

In what cases is a document challenged?

It is necessary to understand that if there are inaccuracies, not all necessary data and other factors, you will need to appeal the issued Form 154 to obtain a new one, which the insurance service will accept.

An appeal is made in the following cases:

If the culprit of the accident is not indicated;
If not all damage to the vehicle is indicated;
If there are corrections or strikethroughs;

If the document does not contain all the data that is necessary according to the existing procedure.

What documents are required for an insurance company after an accident?

A conscientious driver must understand what documents need to be prepared in the event of an accident in order to receive compensation in the future.

A few simple tips will help you not get confused.

After the traffic police officers carry out the mandatory measurements of the accident, record the details of what happened yourself: write down the license plates and telephone numbers of the participants in the accident, contacts of witnesses. Analyze and check the issued documents immediately; they cannot be corrected. Everything must be formalized in the presence of the participants in the accident. The exception is interviewing witnesses.

If circumstances arise that prevent you from taking the necessary steps at the scene of an accident, then appropriate measures are taken in any other place within 24 hours from the moment of the accident. After the successful completion of the traditional inspection, you need to prepare all the documents and contact the insurance company as soon as possible.

Documents for receiving insurance compensation under CASCO or MTPL

If an insured event occurs, the following documents must be attached to the application for payment of insurance compensation.

Certificate of road accident No. 154 (required with a corner stamp and a round seal. Please check that the fields are filled out correctly). Certificate No. 154 is always required!
A copy of the protocol on the administrative offense (the copy must have the traffic police stamp).
A ruling to refuse to initiate a case of an administrative offense (the copy must have the traffic police stamp).
A copy of the decree-receipt (the copy must have the traffic police stamp).

Responsibilities of the insurer upon the occurrence of an insured event

Within 5 days from the date of contacting the insurance company, an examination of the damage to the car must be carried out.
After 15 working days, representatives of the insurance company must make a decision and a reasoned response on payment or refusal.
In the next 3 days, the company must transfer money to cover the losses of the accident.

If the insurance company is not as punctual as you and is delaying the payment of compensation, then the shortcomings of the insurance company will be happy to be corrected by reliable “road accident assistance”.

Have a comfortable and safe journey!

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