Minor accident in the yard what to do

What to do if there is an accident in the yard of your house

Seeing an accident on the street is far from the same as seeing an accident happen in the yard of your own home. When such a situation happened under the windows of my apartment, I was confused and even scared. The situation was aggravated by the fact that there were injuries, and the culprit of the accident left the scene.

I know that many people are lost under extraordinary circumstances and do not know how to behave. An accident can easily be called such events, so in this article, I will focus on what to do in case of an accident in the yard of a house. Where to call and what to do at the first moment.

Can a car collision in the yard be considered an emergency?

Incidents involving damage to vehicles in local areas occur quite often. Accidents can be small or large, but in any case they are accidents with certain consequences. Under any circumstances, such events must be described and recorded in the prescribed manner.

Even if one driver entered a yard and accidentally hit another vehicle, the action would be classified as an accident. This procedure is described in clause 1.2. Traffic rules It also provides a detailed explanation of the basic terms and concepts for car owners. If we turn to the terminology, the traffic rules indicate that this is an event that occurs while the vehicle is moving, as a result of which other vehicles, buildings, property of third parties and citizens are damaged. Cases cannot be classified as road accidents when:

the car was not moving at the time of the collision;
a man and a cyclist collided;
a citizen fell onto a standing car.

A collision that does not have consequences and damages also cannot be classified as an accident. All other cases are an emergency and must be registered.

When is it not necessary to call the traffic police, since the call may be classified as false?

When there is an accident, even a minor incident, it is necessary to call a traffic police officer. This will allow you to correctly prepare documents and record participants in the events. Once again, I repeat that even a very minor accident can be classified as an accident.

Sometimes, a citizen who calls the highway patrol draws the wrong conclusions. He considers an accident to be a situation where the presence of an inspector is not required. It is important that the case can be classified as a traffic accident according to traffic rules. Under other circumstances, the person who called the traffic police in vain will be held accountable for his actions.

Who to call if there is an accident in the yard?

When a collision occurs while parking, even if there are minor consequences, it will be considered an accident. This may require calling a police officer.

A witness or eyewitness needs to know where to call. The easiest option is to use an emergency number. Today the following numbers are valid:

"102" - police;
"101" - fire service, if there is a fire or a strong collision;
“103” - when there are injured persons;
by the insurer's number indicated on the relevant document.

It is necessary to clearly understand what is an insured event and what is not. To receive compensation under compulsory motor liability insurance, you must formulate your own thoughts very clearly and do not forget to obtain the necessary documents. When such papers are missing, it will not be possible to receive payments under the policy. An insured event can include situations where property is damaged or there are injured persons.

What to do before the traffic police arrive?

When the rules for registering an emergency are not followed, the person responsible will subsequently be subject to a serious fine. In such a situation, bystanders or bystanders may be advised to take the following actions:

Make sure that the car that caused damage to another vehicle is not moving.
Leave the car in the position it was in the accident.
Turn on the emergency beacon.
Install warning triangles.
Do not remove anything from the accident site until photos and videos of the accident scene have been taken or until authorized persons arrive.

When there are people injured in an accident, it is necessary to provide them with first aid and call doctors. Until the ambulance arrives, support the person in accessible ways. To prove the driver's innocence, witness testimony may be required, so immediately after the police appear, it is worth preparing your own identification card.

If during the incident the guilty person disappeared, then the person present should assist the police officers and describe as accurately as possible the appearance of the offender and his car. If possible, please indicate the vehicle number. All this data is documented in a special protocol.

Conclusion

At the end of the material, the following conclusions can be presented:

An accident is an incident that has consequences in the form of damage to a vehicle, things, health or life of citizens.
It is important to correctly identify the violation before calling the police. For a false denunciation, a citizen can be held legally accountable.
While waiting for the police to arrive, it is necessary to ensure the integrity of the scene of the incident and provide first aid to the victims. When the person responsible has fled, it is important to describe that person and their vehicle as accurately as possible.

A traffic accident in the yard of a house.

If an accident occurs in the yard, in most cases everything has to be registered with the traffic police. The first actions of drivers depend on the specific situation. Let's consider what a traffic accident is, how to register it with the traffic police, as well as the specifics of the Europrotocol and situations when it is not necessary to call inspectors to the scene of the accident.

What is a traffic accident: definition

An accident is a road traffic accident that results in people being injured or killed, or damage to cars or other property: road signs, lamp posts, etc.

Thus, an accident means any accident, even if the car was slightly damaged: small scratches were left, glass or mirrors were damaged, body parts were deformed.

After the introduction of liability for “dangerous driving,” drivers who get into an accident due to the indirect fault of other road users are still considered the only culprits: for an accident, it is important that there is contact between two vehicles, even if there is no visible damage. The maximum you can do in such a situation is to contact the traffic police with the DVR recordings. If the driver is found and charged with dangerous driving, he will have to pay a fine.

Accidents are not classified according to location. If you have an accident in the courtyard of an apartment building or even a private building, you must register it with the traffic police.

Features of registration of various accidents in the courtyard of a house

Below we will consider the features and step-by-step procedures for different types of accidents.

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Colliding with a pedestrian

A collision with a pedestrian is an accident that results in one or more vehicles coming into contact with a person crossing the road in an authorized or unauthorized place.

If faced with such a situation, drivers must do the following:

Stop the car, turn on the emergency lights and put up a warning triangle.
Approach the pedestrian and check his condition. If he cannot speak, it is recommended to determine if there are any visual signs of damage: this may be necessary for emergency assistance.
Call an ambulance. This is important to do even if the victim himself refuses medical help. In the future, he can independently go to the emergency room or hospital, and in any case you will be called to the traffic police, only in such a situation you will already be considered to have left the scene of the incident.
Call the traffic police. As in the case of an ambulance, this must be done, otherwise you will be deprived of your driver's license if the pedestrian seeks treatment at the hospital. You may be considered to have left the scene of an accident.
Take photos and videos at the scene of the incident. You may need this footage for further administrative investigation and your own protection.
Ask for contact details of witnesses. If you are not guilty and the pedestrian threw himself under the wheels, they will help you defend yourself in court.
Familiarize yourself with the incident diagram and protocol. Your signature will be required.

If you refuse to sign the protocol, this will not change anything: the inspector will transfer the documents to the traffic police for further administrative investigation and resolution of the issue of prosecution.

Only judicial authorities can hold drivers administratively or criminally liable, but decisions are made on the basis of case materials submitted by the traffic police.

If the driver fled

If you are involved in an accident and the other driver escapes, regardless of who you are - the culprit or the victim - you need to call the traffic police. This is the only way you can find the other side of the accident.

What to do if an accident occurred while you were present in the car, and the other driver fled:

Stop, put the car in handbrake or gear, put up a stop sign and turn on the hazard lights.
Try to remember the license plate number, color and make of the car. It's better to take a photo.
Find witnesses and ask for their phone numbers.
Call the traffic police to the scene. The inspectors will draw up all the documents and issue a decision to initiate administrative proceedings.
During the investigation, inspectors are required to request recordings from CCTV cameras and recorders, find the escaped driver and submit documents to the court.

Most often, drivers disappear from the spot if they are driving while intoxicated. The traffic police usually quickly catch such citizens, especially if the accident occurred in the presence of another driver.

The situation changes a little if the accident occurred in your absence and the culprit disappeared:

Inspect the car for damage. It is also worth paying attention to whether the culprit left his phone number: some people do this to resolve the situation peacefully if they did not wait for you or for some reason could not wait for the traffic police. By law they are required to call inspectors, but in practice there are other situations.
Call the traffic police, read the documents drawn up on the spot, and sign them.
Find witnesses and ask if they saw the moment of the collision. It is also recommended to take contact information of eyewitnesses.

If you do not agree with the protocol, this can be reflected in the document itself by writing “I do not agree with what I read.”

If both drivers are present

If you are involved in an accident in the yard and the other driver does not escape, the sequence of actions is as follows:

Stop and turn off the car, put up a warning triangle and turn on the light signal.
Make sure there are no casualties in the other vehicle.
Determine the nature and extent of damage. If there are no disagreements between you and the other driver, you can draw up a Europrotocol and not call the inspectors.
Take a few general photos and photograph the damage. Take a video of the accident scene, find eyewitnesses and enlist their support.
If there is a disagreement, call the traffic police. The inspectors will complete all the documents and determine the culprit.
Go to the traffic police department at the scene of the accident and write an explanatory note. In it, try to describe in as much detail as possible the circumstances of the accident: who was moving where, at what time, etc.

The culprit is issued a resolution to bring him to administrative responsibility. Depending on the type of offense, sanctions of the Code of Administrative Offenses of the Russian Federation will be applied to him, providing for fines or deprivation of a driver’s license.

If they want to deprive you of your rights for violating traffic rules, this is only possible in court. In other cases, an inspection resolution is sufficient to pay a fine.

Practical example:

There is parking in the yard on both sides of the road. Drivers drove out from each side without being convinced of the safety of their actions, which resulted in a collision. Disagreements arose between them, and one of them decided to call the traffic police.

After inspecting the scene of the incident, studying explanatory notes and recordings from the video recorder of a neighboring car that was not injured in the accident, inspectors found that one of the drivers ignored the traffic rules, according to which, when leaving the parking lot at the same time, you need to give way to the car that will be on the right (rule “ interference on the right"). The culprit has been identified and brought to justice.

If there is an accident with casualties

In the yard, accidents with victims occur extremely rarely, but there are also instructions for such a situation.

What should be done:

Stop the car, place a sign at a distance of 15 m in a populated area, 30 m outside a populated area.
Determine the number of victims, the nature and severity of injuries visually. At this time, it is recommended to call an ambulance. The dispatcher will need the data to dispatch the team. During the conversation, you should name the exact address of the accident, the number of victims - this determines how many teams will be sent.
Call the traffic police, describing the situation in detail. Inspectors usually arrive quickly to accidents with injuries or deaths.
Take photos and videos, find witnesses. If you have a video recorder, you can show the recording from it on site: this will make the inspectors’ work easier.
If the culprit is not identified, all cars are evacuated to a departmental parking lot until the circumstances are clarified.
Appear at the traffic police and write an explanatory note.

If the other driver is at fault, you may be able to recover compensation for your injuries. The amount of payments depends on the severity of the injuries and is determined in court. In case of minimal injuries to the victims, the guilty person will only be held administratively liable, and you will have to recover the money through civil proceedings.

If the culprit does not have compulsory motor insurance

Car liability insurance is mandatory for all drivers. If you do not have a compulsory motor liability insurance policy, you will have to pay a fine.

If you are a victim and the culprit offers you a peaceful resolution of the problem instead of calling the traffic police, the choice is yours. He can immediately compensate you for the damage and get a receipt from you, and you will quickly disperse. If you decide to call inspectors, you will have to fill out all the documents and go to the department to give explanations. After this, the insurance company will pay you compensation.

Who is to blame for an accident in the yard?

Determining who is at fault for the accident depends on the specific situation:

If the driver leaves the adjacent territory, he is obliged to give way to all traffic participants;
Pedestrians when moving along the road in the yard have an advantage over drivers and must be allowed through;
If the speed of movement is over 20 km/h in the yard, with a high degree of probability, inspectors may find the driver guilty of such a violation;
Violation of the ban on through traffic through courtyards. Cars must enter and exit through the same point;
Failure to provide priority when leaving a parking lot. Here the one who leaves it will be to blame;
Neglect of the “interference from the right” rule: for example, if drivers leave parking spaces on different sides at the same time and without looking.

Also, a citizen will definitely be found guilty if he left the scene of the incident. The exception is pedestrians: in 99% of cases they have an advantage and the courts take their side.

When can a Europrotocol be issued?

You don’t have to call the traffic police, but fill out the Europrotocol on the spot if:

No more than two cars were damaged in the accident;
There were no pedestrians involved in the accident and there were no injuries in the other vehicle;
The amount of damage does not exceed 400,000 rubles;
Both drivers have valid MTPL policies and there are no disagreements.

In this case, you have the right to draw up a Europrotocol and independently submit it to the traffic police immediately after the investigation at the scene of the accident.

What to do if you are the culprit?

If you are involved in an accident and admit your guilt, to mitigate liability, you can try to reach an amicable agreement with the other driver:

Determine the amount of damage yourself. If you have friends who do auto body repairs, you can offer their services and go to them for an estimate. They will tell you the exact cost of the work, which you can reimburse.
Compensate the victim for damages. When transferring money, it is important to take a receipt indicating the amount, date and place of the transaction. It is also important to indicate that he has no claims against you. If the victim subsequently decides to go to court, the receipt will protect you from unnecessary expenses.

It is possible to negotiate in this way only if there are no people whose health was harmed in the accident. If there are victims, you must call an ambulance and the traffic police.

If there are victims in an accident and you are the culprit, you need to act according to the special instructions presented earlier.

It is also important to consider that it is the responsibility of those at fault to notify their insurance companies. The notification must be submitted within 5 business days after the accident by any of the following methods: in person, by email or by regular mail. If this is not done, the insurer will pay the victim money, and then may make a recourse claim against you, and you will lose a certain amount.

If you get into an accident in the yard, the procedure is approximately the same as in case of accidents on ordinary roads. Accidents are usually registered with the traffic police, and the damage is compensated by insurance companies, but if the drivers manage to reach an agreement, the culprit has the right to pay the money voluntarily against a receipt - such transactions are not prohibited by law.

Traffic accident in the yard of a house

You may be the most careful, attentive and professional driver in the world, but this will not insure your car against damage resulting from an accident in your yard. A traffic accident in the courtyard of a house is a headache not only for car owners, but also for traffic police officers. The difficulty is that such mini-accidents occur very often, but it is not always possible to identify the culprit in them, since each participant in the accident does not consider himself to be at fault.

Actions in case of an accident in the yard

In the absence of witnesses to a traffic accident, it can sometimes be extremely difficult to identify the offender. When involved in an accident in the yard, the driver is recommended to take the following actions:

Stop and put the car on the handbrake.
Turn on the emergency lights and place an emergency sign 15 meters from the incident (otherwise you will face a fine of 1,000 rubles ).
Don't change things. Before photographing and video shooting, do not move cars or parts that have fallen off them.
If there are victims in an accident, you should immediately call an ambulance.
Call the traffic police if you have a complaint against another driver.
Take photos and videos. The filmed materials must contain the license plates of both cars, details of the accident, a panorama of the yard and damage.
Draw up an accident report together with the other driver.
If an accident occupies the road and prevents the passage of cars, it is necessary to clear it (otherwise a fine of 1000 rubles is possible).
Try to find witnesses to the accident in the yard. If they cannot wait with you for the traffic police to arrive, write down their contact information.
Wait for the traffic police to arrive.

If you act in accordance with these recommendations, this will help you resolve the situation of a traffic accident in your yard as competently as possible and avoid fines.

Is a car collision in a backyard considered a traffic accident?

Statistical surveys say that most motorists cannot clearly answer the question: is a car collision in the yard a full-fledged traffic accident?

According to the traffic rules, an accident, like a traffic accident, can occur on the road and in the area adjacent to it. In fact, the yard is the adjacent territory.

Therefore, a collision of two or more cars in a yard is a full-fledged accident. This means that the road traffic accident must be documented in accordance with this fact.

Features of the Europrotocol design

Europrotocol is a document drawn up jointly by both participants in an accident in the yard without calling traffic police officers with the possibility of receiving compensation for damage.

You will save a lot of time and nerves if you draw up a European protocol. But this is only possible if all the following conditions are met:

Only 2 cars were involved in an accident in the yard;
both drivers are insured by the MTPL policy and have certificates with them;
there are no casualties;
the amount of material compensation does not exceed 400,000 rubles.

When the damage to an innocent driver does not exceed 100,000 rubles, it is permissible to draw up a Europrotocol using a paper form, even if there are disagreements. In case of damages from an accident from 100,000 rubles. up to 400,000 rub. It is permissible to draw up a Europrotocol only if there are no disagreements and using the special application “Accident.Europrotocol”.

Who is to blame for an accident in the yard?

Car collisions in the courtyard of a house very often provoke controversial situations, and it is extremely difficult to identify the culprit in this type of accident. To understand who is to blame for a traffic accident, it is necessary to be guided by traffic rules that depend on the part of the road in the adjacent territory (i.e., the yard) on which the incident occurred.

If one road in the yard intersects with another similar one, provided there are no signposts, traffic rule 8.9 comes into force (i.e. obstacle on the right).
When leaving the yard, each car is required to give way to all other traffic participants, and when entering the yard - to pedestrians, cyclists, etc.
If the collision occurred on a section of the road on which one lane is completely or partially occupied by another car and in order to continue driving you can only use one side, then you must rely on traffic rule 11.7, i.e. The driver who has any obstacle on his side must give way.

If these rules are not followed, you may end up causing an accident in your yard.

What to do if the culprit escaped?

The only thing worse than the traffic accident itself is an accident without the culprit of the accident, who fled the scene. If you find yourself in such a situation, then try to remain calm and act in accordance with the recommendations that will help you turn the unpleasant incident into your favor.

If the culprit of an accident in the courtyard of a house fled the scene of the crime, then you must act as follows:

Limit the scene of the incident 15 meters with signposts. Turn on the hazard lights.
If you managed to notice the culprit of the accident, then try to photograph his car, license plates and any details that would later help you find him.
Do not change the position of the car after an accident in the yard. All consequences of the accident must remain unchanged in their places. Take photographs of the scene of the accident and try to depict in as much detail as possible the diagram of the traffic accident that occurred.
Try to find witnesses to the incident. Traffic police officers will need their coordinates. If it is possible to obtain video materials from home cameras or DVRs of passing cars, then collect them and also provide them to the traffic police officer.
Call the traffic police to the scene of the accident to conduct further investigation of the incident.

The driver who fled the scene of an accident in the courtyard of the house will be brought to administrative responsibility. He faces arrest for up to 15 days, as well as deprivation of rights for a period of 1 to 1.5 years and, of course, financial compensation to the victim.

What to do if you are the culprit of a traffic accident in your yard?

Neither experience nor driving class often insures against unforeseen traffic accidents. If it just so happens that you were the culprit of an accident in the yard, then the best thing you can do is admit your guilt and meet the injured driver.

Mark the accident site with emergency signs.
Try to reach an amicable agreement with the injured driver.
If there is a need to agree on the amount of financial compensation for the victim at the scene of an accident in the yard, you have the right to do so. The law does not prohibit such transactions. You can transfer the amount, but be sure to get a receipt from the driver stating that he is fully satisfied with the compensation received and will not subsequently have any claims against you. If you do not have the required amount with you, exchange your passport data and transfer the amount to the victim by bank transfer. Of course, all receipts should be kept.

OSAGO insured event

Car owners who have an MTPL insurance contract can receive compensation for an accident in the yard only if these conditions are met:

the incident happened in the yard, i.e. on the territory adjacent to the road (accidents on private territories are considered separately)
two cars were involved in the accident;
you are the victim;
the culprit of the accident is known.

You can count on compensation under compulsory motor liability insurance in all cases, with the exception of the following points:

when a car is damaged due to the intent of the victim;
if the car is damaged due to a nuclear explosion or radioactive detention;
upon receipt of damage due to active hostilities;
when receiving damage due to the civil war that broke out in the country, i.e. popular unrest, riots, etc.

CASCO insurance case in case of a traffic accident in the yard

Car owners who have a CASCO insurance contract have protected their car from damage of any kind. It doesn’t matter where the accident occurred, who is to blame, what the consequences are, or how many people were involved in the collision. Under CASCO insurance, it is also not necessary to have a culprit. Even if in the event of an accident in the yard of the house he disappeared and his identity could not be established, you will still receive compensation.

Accident in the yard involving a cyclist

In a car-bicycle accident, the driver is most often at fault. You should know about an important rule: a pedestrian or cyclist is always right in the yard, and the driver is always to blame. The yard is a pedestrian area, which means the cyclist, and especially the child, will be in charge there.

If you happen to collide with a cyclist, then all further developments will depend entirely on you. Of course, we are not talking about tragic incidents with fatalities.

Let's look at cases where you actually realize you hit a cyclist.

First of all, provide the victim with first aid, call an ambulance if he needs it.
Secondly, assess the damage you caused to your bicycle in the event of an accident in the yard.
Thirdly, if necessary, try to agree with the victim on material compensation for the damage caused.

If the cyclist agrees to pay compensation, and you have agreed on its amount, then be sure to ask him for a receipt or a video message confirming that he has no further claims against you for the incident.

The traffic police should be called if:

If you couldn’t come to an agreement and you had to call the traffic police, then proceed in the same way as in the case of a collision with a car.

Please note that traffic police officers will be able to fairly assess the specifics of the incident only if all its details remain in place.

If a cyclist leaves the scene of an accident and threatens the driver with further contact with the traffic police, then these threats will not have any basis, since the victim who fled the scene of the accident can be regarded as the culprit of the collision. Of course, a call to the traffic police from home will be taken into account by the competent authorities.

Features of a traffic accident in the yard

Features of the yard as a roadway:

a lot of inattentive pedestrians (playing children, grandmothers, etc.);
tight parking;
narrow expensive;
a large number of narrow intersections.

An accident in the yard is no different from a traffic accident on any other roadway, since the yard is considered an adjacent territory. This means that the same traffic rules will apply here as on any highway.

Some of the features of moving around the yard by car include the following:

the vehicle speed in the yard should not exceed 15 km/h;
the driver is obliged to give way to pedestrians and cyclists at any place where they cross the road;
the driver must be as attentive as possible;
The driver must follow all traffic rules.

Minor accident - hit a neighboring car

Yards, parking lots near office centers and shops, and open parking lots in Moscow are so densely occupied by cars that maneuvering them becomes very difficult. Minor accidents happen all the time in such conditions: when entering and leaving parking spaces, drivers touch neighboring cars, rub against them, and damage body parts or lighting equipment. Each such situation is considered a full-fledged accident. To avoid losing your insurance or driver's license, it is important to act correctly after a minor accident.

How in practice?

Surveys show that drivers do not always treat minor accidents responsibly:

40% of drivers try to leave the scene of an accident as quickly as possible, without notifying the owner of the damaged car, traffic police officers and representatives of the insurance company;
25% are trying to find the owner of the damaged car;
25% call traffic police representatives to the scene of the accident;
15% inform parking lot employees about the incident;
10% do not know what to do in the event of a minor accident and ask friends for advice.

This data was obtained after a survey of 2.5 thousand drivers.

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What to do after a minor accident?

The procedure should be the same as after any other accident. Contact the insurance company employees and they will call traffic police representatives to the scene. You can call the traffic police yourself. Additionally, the insurance company can send an emergency commissioner to the scene.

Registration of a minor accident allows you to avoid problems with compensation for damage to the victim (it will be paid under compulsory motor liability insurance). Insurance compensation under CASCO is also paid only if the accident was registered with the traffic police.

If the culprit of an accident leaves the scene without permission, this is fraught with the following problems:

deprivation of a driver's license for a period of 1 year;
administrative punishment (arrest for 15 days);
compensation for damage to the owner of a damaged car voluntarily or through court after a recourse claim from the insurance company.

How big is the risk of getting caught?

Every year, statistics on finding drivers who fled the scene of an accident are improving. In parking lots near shops, offices, business centers, on streets, in paid parking lots, video cameras are installed that record minor accidents, even if you hit a neighboring car. Using these records, the culprits of the accidents are then identified.

Back in 2010, the statistics for the country were as follows:

in the first 5 months, 11 thousand accidents occurred (without injuries), the perpetrators of which fled the scene;
17% of the culprits were later found.

In 2016, the statistics improved. Thus, in the Moscow region for the first 7 months of 2016, the following indicators were recorded:

in total there were 1703 vehicle collisions;
14% of drivers fled the scene;
of these, 65.2% of the drivers were later found.

The number of drivers found after minor accidents is increasing due to the equipping of parking areas with surveillance cameras, and due to the help of witnesses to the collision, other road users, and drivers of cars parked nearby.

Options for action after a minor accident

Calling traffic police inspectors. Immediately after the collision, the culprit must stop the car, turn off the engine, turn on the hazard warning lights, and place a warning triangle in front of the car. If the hazard warning lights are turned off or the sign is missing, the inspector will additionally impose a fine on the driver (RUB 1,000).

Europrotocol. If the driver of the damaged car is next to it, the participants in the accident can negotiate without calling the traffic police. For this purpose, a European protocol is being drawn up. You can do without the traffic police if no one was injured in the accident and the amount of damage is less than 50 thousand rubles. The European protocol is drawn up for cars insured under MTPL.

With CASCO insurance. If one of the cars is insured under CASCO, you will have to call traffic police inspectors. To pay compensation under CASCO insurance, the insurer will require a certificate from the traffic police. Invest Consulting employees recommend additionally contacting insurance employees and notifying them about the incident immediately after the accident.

If the owner of the damaged car is not nearby. The best option is to call traffic police inspectors. They will document the incident, draw up a report, and record that the culprit of the accident did not try to escape.

Leave your business card and leave? If the person responsible for the collision does not have time to wait for the driver of the damaged car or traffic police officers, he can leave a business card on the windshield and drive away. Many people do this in the hope that the other driver will contact them later to resolve the issue. In practice it often happens differently. If the second driver has CASCO insurance, he will be forced to call the traffic police to receive compensation. In addition, there are no guarantees that the second driver will not decide to contact the traffic police “out of principle.” As a result, the culprit of the accident will lose his license. The Invest Consulting company will provide legal assistance if problems arise.

Compensation under CASCO without involving the traffic police. A number of insurance companies pay drivers compensation under CASCO, even if the accident documents were not prepared by the traffic police or the police department. Such payments are possible 1 or 2 times a year, for certain damages and for a limited amount. If the insurance policy allows you to avoid filing an accident, drivers can resolve the problem amicably. It is better to draw up a receipt stating that the participants in the accident have no claims against each other.

Not all vehicle damage is considered a minor accident. The traffic police should be called only if the collision occurred while at least one of the vehicles was moving. If the car was damaged by an opening door, such an incident is recorded by police officers. The damage in this case will not be compensated under compulsory motor liability insurance.

Help after an accident

What assistance those involved in an accident can expect depends on the terms of the insurance contract. If it involves the provision of emergency services, you need to contact the insurance company and call such a specialist. You can also call the emergency commissioner privately, for a fee. He will help:

preliminarily determine the amount of damage;
decide whether a traffic police call is necessary;
draw up the European protocol correctly;
resolve the dispute between the parties to the accident on the spot.

If disputes arise regarding the amount of damage or the circumstances of the accident, you can additionally order an independent examination. An auto expert can go to the scene of the accident or inspect and assess the damage to the car in an accident later. The Invest Consulting company offers special prices for such examinations for minor accidents.

Registration of a minor accident

The procedure for drivers to act in a minor accident is regulated by traffic rules and does not differ at all from the manipulations that are performed in a major accident. However, the parties can choose an alternative method of resolving the issue - mutually agree on the amount of compensation and not report it to the traffic police.

Which accident will be considered minor?

The occurrence of an accident can cause serious damage to vehicles, both for the culprit of the accident and for the victim. In order to recognize a case as insured and receive compensation for damage, it is necessary to correctly draw up the accompanying documents.

In practice, there are cases when a traffic accident falls into the category of minor ones and a call to the traffic police, subsequent paperwork, and proving to the insurance company that you are right may be impractical, and in some circumstances, entail more expenses than the amount of compensation due.

A minor road accident is an incident that does not result in serious damage or large property losses for those involved.

Category Features:

A simplified procedure for registering an accident may be applied;
If the case meets the statutory requirements, drivers have the right to use the European protocol;
The amount of damage should not exceed the limit of 50 thousand rubles;
There are no casualties;
Typically, a minor accident causes the following damage:

Vehicle paintwork;
External lighting devices of the car;
Plastic body elements;

To determine the actual damage, it is better to contact a specialist, since even a minor impact could change the original geometry of the unit.

Before calling the traffic inspectors, you should objectively weigh how serious the accident turned out to be, since for a minor incident there is a risk of getting a fine.

Europrotocol

The Europrotocol is a unified form that participants in an accident can fill out independently and without the involvement of a traffic inspector.

Participants in an accident have the right to use this document only if the estimated amount of damage does not exceed 50 thousand rubles.

The Europrotocol, when completed correctly, retains all guarantees for insurance payments that the victim can receive when registering an accident with the help of a traffic police inspector.

There are conditions that must be observed when using the Europrotocol, in particular:

Participants have the necessary package of documents;
Availability of valid MTPL policies for each party;
Only property damage was caused (any harm to the health of motorists or passengers, pedestrians and other third parties must be excluded);
The maximum number of participants in an accident is two;
The parties have reached full consensus on the details of the event that happened and no longer have additional claims or claims;

If any of the participants in a minor accident still have doubts, it is advisable to call the traffic police, since in the future the proof procedure will turn out to be impossible or will become significantly more complicated.

Procedure

The occurrence of an accident that is classified as minor does not affect the general procedure that each participant in the incident must follow:

Stop the vehicle;
Turn off the car;
Put the vehicle on the parking brake;
Turn on the alarm;
Put up a sign;
Proceed to other participants in the incident to provide assistance or coordinate issues regarding the registration of the incident;
Photo, video recording of an accident.

A minor incident can be resolved in the following ways:

Drawing up a European protocol;
Compensation by the culprit of the entire amount of damage to the victim from his own funds;
Calling traffic police inspectors

The second option is considered the fastest, but it is necessary to take into account some nuances, for example:

Only an experienced mechanic can identify hidden damage, so you should contact a car service (since hidden damage is the most expensive);
It is possible only by mutual agreement of the participants and with the obligatory drawing up of a receipt.

What should the culprit do?

The guilty person should take part in collecting materials that, although they will not completely relieve him of responsibility, will provide an evidence base if the victim begins to demand unreasonable compensation. In particular:

Try to find witnesses to the accident;
Capture on camera:

Environment;
Quality and features of the road surface;
Brake track;
License plates of the other party involved in the accident.

What should the victim do?

The victim of an accident must adhere to a similar algorithm of actions as the culprit of the incident. However, in addition to everything, he needs to make sure that the second participant has a valid MTPL policy.

Having a video recorder recording the details of the incident will allow you to quickly resolve potential disputes.

How to apply

If a minor accident occurred in a parking lot or in the yard, then you can register it yourself using a European protocol, without involving inspection staff.

The European protocol is drawn up in the following stages:

Make sure that the situation meets the conditions under which an accident does not require the involvement of traffic police officers;
The culprit of the accident and the victim agree to the use of a unified protocol;
Find possible witnesses to the accident and take their contacts;
Take photos, videos, record details of the incident (within 60 minutes after the incident);
Assess the extent of damage;
Fill out the protocol, observing the important nuances:

Data is entered only with black river on a helium basis;
Each participant must fill out their own part of the accident notification;
The front side of the European protocol must contain the signature of both the victim and the perpetrator;
The reverse side of the document is filled out independently;
The copies must be separated if they were originally glued together;
Making adjustments to the protocol after its disconnection is allowed only with the consent of the second participant in the accident.

Another “peaceful” alternative in case of a minor accident is for the culprit to pay the estimated amount of damage to the victim out of his own pocket. Such manipulations are beneficial to each of the participants, since:

Allows you to avoid disputes with traffic police officers;
Done in the shortest possible time (save time and nerves);
Protected from administrative liability (fine for obstructing traffic on the roadway - from 1 thousand rubles).

As a general rule, participants in an accident, in order to protect themselves from potential claims, must draw up a receipt with the following content:

Title of the document;
Place and date of compilation;
Information about the participants in the incident:

FULL NAME;
Information from the passport;
Registration address;

The reason why one counterparty transfers monetary compensation to another;
Information about vehicles involved in an accident:

Brand;
Model;
Year of issue;
Information from PTS;
State license plate;
Other identifying information;

List of damages that the participants were able to notice;
Amount of compensation;
Deadline for fulfilling the obligation (if the culprit does not have the required amount immediately);
Signatures of counterparties.

If the culprit escaped

What to do in the event of a minor accident if the culprit escaped? This question remains relevant, since a minor emergency situation can simply not be noticed and unknowingly leave the scene, without even knowing what happened.

In a situation where the owner of the vehicle has discovered damage from a minor accident, the culprit of which has disappeared, a number of measures should be taken:

Perform the basic actions that are required in case of any accident (stop the vehicle, put up a sign indicating an accident, turn on the hazard lights);
Call authorized employees;
Collect all possible information about what happened (first of all, interview people nearby);
Take a photo or video of the result of the accident (marks on the asphalt, damage to the car).

The arriving traffic police officers are obliged to record the accident and take all possible measures to find and capture the culprit.

The situation will be resolved very quickly if the inspectors have at their disposal:

Video from the car recorder (both the victim himself and nearby vehicles);
Video from surveillance cameras of nearby retail outlets or other organizations.

How to determine real damage

If the parties cannot find a compromise, the situation can develop in two directions:

Call authorized traffic inspectors to the scene of the incident:

Employees will collect all the necessary information;
The amount of damage will be determined by the judicial authorities;
The parties must check how correctly the documents about the accident occurred were drawn up;
The culprit cannot avoid the initiation of administrative proceedings and penalties;

Call the insurance company manager:

The service must be provided for under the terms of the existing policy (additional charge);
Ensures proper recording of the insured event;
The road commissioner from the insurance company will be able to more accurately determine the amount of compensation;