Description of vehicle damage in an accident

Typical definitions and characteristics of vehicle damage

Appendix 2 to the appendix to the Regulation of the Bank of Russia dated September 19, 2014 No. 432-P “On a unified methodology for determining the amount of costs for restoration repairs in relation to a damaged vehicle”

Typical definitions and characteristics of vehicle damage

Characteristics of the type of damage

Deviation from the correct relative position of surfaces in rotating (oscillating) cylindrical parts of machines and mechanisms

Changing the geometry of the paint coating and plastic structural materials in the form of a convexity

Violation of the operating mode of vehicle units and components, characterized by sound with a fairly constant frequency and an increased volume level relative to the permissible level

A change in the geometry of a structural element of a vehicle over part or all of its surface area in the form of a round or oval-shaped depression with smoothed edges without breaking the surface of the element (dented area)

Failure of the connection of one part (usually smaller) with another part (usually larger), accompanied by the first part falling out of the landing site located on the second part

Changing the geometry of a structural element over part or the full area of its surface in the form of a spherically curved outward shape with smoothed edges without breaks in the surface of the element

Complete separation (with separation) from a unit, unit, part of its fragment

One-sided, non-tearing separation of the surface layer of a part or part with the formation, for example, of burrs or stripes.

Complete loss of mobility of parts of components and assemblies moving during work processes, caused by mutual displacement of parts in space from the structurally specified position

Changing the geometry of a structural element by bending it up, down or backward

A type of deformation of a structural element of a vehicle, characterized by an arcuate curvature (change in curvature) of the axis of symmetry of the element or its part or surface. Main types of bends: transverse, longitudinal, longitudinal-transverse

Curvature and (or) bending of the surface of a structural element with the appearance of irregularities

Continuous damage to a structural element of small depth with smooth edges without separation of a part of the material whose length exceeds its width

Associated with the process of trace formation, the transfer of material from one object to the trace-receiving surface of another. During a traffic accident, paint, plastic, rubber or other structural materials are deposited from one vehicle onto another.

Partial destruction of a structural element of a vehicle as a result of temperature effects, including charring of its remaining part

Separating a fragment of a structural element

Separation of multilayer materials from which structural elements are made into several layers

Mutual displacement of the structural elements of a vehicle (for example, body frame, cabin, interior, platform, door openings, hood, trunk lid, windshield and rear glass, side members, frame) in space from a structurally specified position with violation of the control (basic) location limits beyond the permissible limits ) points

Division of a structural element into several small parts or complete loss of its shape and properties

A small through hole, usually round in shape

Through or non-through narrow damage of a mainly linear shape, the length of which exceeds its width, in soft materials (for example rubber, fabrics)

Through damage to a structural element of irregular shape with uneven edges without separation of part of the material (the length of the damage exceeds its width)

Damage to the surface layer of a structural element in the form of a line of insignificant depth and length

Destruction of metal over the entire thickness of a part as a result of chemical or physico-chemical interaction with the environment

Complete separation of a small fragment of the base material from the surface of the part. A special type of chip is a chip of a paint coating - a small separation of a fragment of a paint coating without damaging the material of the part.

Change in the geometry of a structural element with the formation of an unevenness in the form of a wavy or straight bend

Changing the shape of a structural element in the form of deformation around an imaginary axis

Trace of through corrosion

A sign that indirectly indicates the presence of through corrosion (for example, destruction of the paint coating of a metal part from the inside, without damaging its surface layer, rust stains)

Violation of the relative position of structural elements not provided for by its design

Knock when driving

Violation of the operating mode of vehicle units and components, characterized by sound in the form of shock loads and an increased volume level relative to the permissible level

Partial or complete leakage of fuel and lubricants and special liquids through formed cracks and crevices

Narrow through or non-through damage to a structural element of a vehicle whose length exceeds its width

An example of an automotive technical examination (analysis of the possibility of damage during an accident)

CENTER

MEDICAL FORENSIC RESEARCH

Autonomous non-profit organization

115280 Moscow, Velozavodskaya st. 4, office 309

tel. (495)651-84-76(f), 723-41-69, 8-905-586-30-71

OGRN 1117799017995 INN 7725643153

EXPERT CONCLUSION No. 8-A

Research production time:

Started: at 12:00 on May 05, 2012

Finished: at 14:00 on May 22, 2012

Place of research: Moscow, Velozavodskaya st. d 4 office 309

Reasons for the research:

On May 03, 2012, the ANO “Center for Medical and Forensic Research” received an application from ———with a request to conduct an auto-technical and transport-traceological study, as well as determine the cost of damage from damage to a Chevrolet Lanos vehicle as a result of road accident and give a specialist’s opinion on the fact of the road accident. which took place on April 2, 2010 at 5:40 a.m. At 25 km of Volokolamsk highway, Moscow region

Questions posed to experts:

The damage to the Chevrolet Lanos car reflected in the accident certificate dated April 2, 2010 and photographs of the car, do they correspond to the damage reflected in the report No. 07.05.10-1401 F1 dated 05.07.2010 drawn up by the appraiser ————?
Could the entire list of damage to the Chevrolet Lanos car recorded in report No. 07.05.10-1401 F1 and reflected in the report have been formed in the collision of an Audi A6 car with a Chevrolet Lanos car and with a subsequent collision with a Chevrolet Lanos with a Renault SR?

The production of the study was entrusted to:

Specialist of the ANO "Center for Medical and Forensic Research" Luzan Andrey Grigorievich, who has a higher technical education in the specialty "Construction and road machinery and equipment" (MADI), qualifications as a forensic expert and experience of expert work in the specialties: "Investigation of the circumstances of a road traffic accident", “Research of the technical condition of vehicles” and “Investigation of traces on vehicles and the scene of an accident (transport and trace diagnostics)” -36 years.

A specialist in assessing the value of a vehicle, determining the cost of repairs and damage to damaged vehicles as a result of an accident. Igor Valentinovich Korchagin, who has a higher technical education in the specialty “Car Servicing” (MAMI), is 9 years old.

Location of the incident: Volokolamsk highway 25 km, time of incident 05 hours 40 minutes, April 2, 2010 - from the certificate of the traffic accident.
The circumstances of the incident are indicated in the explanation of the victim ————Mikhail Viktorovich: 04/02/2010 at 05:40 a.m. while driving a Chevrolet Lanos. ———a red traffic light came on in front of him, he stopped a few seconds later, he felt a strong blow from behind, it was a dark-colored Audi A6, then after the impact his car was thrown onto a standing Renault SR car Mr. ———. The Audi car fled the scene of the accident.
The road transport situation - from the explanations of drivers of Renault SR, Chevrolet Lanos, Moskvich 21412.
The physical situation and the final position of vehicles at the scene of the accident - from the diagram of the scene of the road accident dated 04/02/2010.
Damage to Renault SR, Chevrolet Lanos, Moskvich 21412 and Audi A6 cars - from the conclusion of the State Inspectorate of the Ministry of Health of the Moscow Region, Bureau of the Inspectorate for Medical Examinations dated 02/05/2011. Damage to Renault SR, Chevrolet Lanos, Moskvich 21412 cars - from the accident certificate dated 04/02/2010. In addition, damage to the Chevrolet Lanos car from photographs attached to the inspection report No. 07.05.10-1401 F1 dated 05.07.2010.

Regulatory and reference documentation

“Analysis of road accidents”, M., 1971.
“Forensic photography and video recording for auto mechanic experts” (Practical manual), IPK RFCSE, Moscow, 2006.
“Methodological recommendations for the production of automotive technical examination”, M., 1971
“Investigation of road accidents”, M., 1980
“Code of methodological and normative-technical documents in the field of expert research into the circumstances of road accidents” RFCSE, Moscow, 1993
“Forensic automotive technical examination” part 2 VNIISE, 1980
“Transport and traceological examination in cases of road traffic accidents (Diagnostic studies)”, Issue 1 and 2 of VNIISE, Moscow, 1988
Traffic rules of the Russian Federation 2010
Methodological guidelines for determining the cost of vehicles, taking into account natural wear and tear and technical condition at the time of presentation RD 37.009.015-98 (Eighth edition revised and supplemented, 2010); Resolution No. 361 of the Federal Valuation Standard (FSO N 1 )
Reference data of the systems: “MITCHELL”, “EUROTAX AUDAQUEST” for foreign-made telephones, collections of the market value of standard hours for maintenance and repair for a specific telephone, market value of spare parts and materials, collection of selling and retail prices for “NAMI” telephones, reference and information materials and catalogs “EUROTAX”, “BLUE BOOK”, “MOTOR”, etc.

For questions 1 and 2:

To answer the questions posed to specialists, it is necessary to reconstruct the mechanism of this traffic accident, taking into account all the materials submitted for research. The road transport situation that took place at the time of the accident on April 2, 2010 at 25 km of the Volokolamsk highway is presented in the testimony of the drivers of the following vehicles: Chevrolet Lanos, Renault SR, Moskvich 21412 recorded in the driver’s explanations —————- dated 04/02/2010. According to the explanation of the driver of the Chevrolet Lanos car ——-, it follows that on 04/02/2010 at 5:40 a.m. he was moving along the Volokolamsk highway towards Moscow, a red traffic light came on in front of him and he stopped, a few seconds later he felt a strong blow from behind, after which he the car was thrown onto the car in front of Renault SR Mr. ——— From the explanation of the driver of Renault SR ——— it follows that he was moving along the Volokolamsk highway towards Moscow and stopped at 25 km to go to the store and during the stop, an accident occurred hit the back of the car. From the explanation of the driver of Moskvich 21412 ————. it follows that he was heading along the Volokolamsk highway towards Moscow, and when he stopped after some time, a Renault car hit the back of his car.

Damage to an Audi A6 car - from the conclusion of the State Inspectorate of the Ministry of Health of the Moscow Region, Bureau of Medical Examinations dated 02/05/2011:

Front bumper, hood, front fenders right + left, front doors right + left, rear doors right + left, rear fenders right + left, rear bumper, radiator grille, outside mirrors right + left, moldings for all four doors, bumper moldings, 4 alloy wheels, 4 tires, windshield, headlights right + left, traces of tires and red paint on the front bumper, hood and front right fender

Damage to Chevrolet Lanos, Renault SR, Moskvich 21412 vehicles is reflected in the Road Accident Certificate dated 04/02/2010

Car Moskvich 21412 : Rear bumper, muffler, hidden damage.

For a Renault SR car: Front bumper, radiator grille, radiator, hood, Renault sign, rear bumper, trunk lid, muffler, rear panel, rear left fender, rear left mudguard, hidden damage.

For a Chevrolet Lanos car: Front bumper, hood, front panel, front right fender, rear right door, rear bumper, rear panel, trunk floor, trunk lid, rear left side member, rear right door, muffler, rear left lamp, front right block headlight, front right fog lamp, hidden defects.

The nature, shape, location and direction of development of damage to a Chevrolet Lanos car can be judged from photographs taken on 05/07/2010 at 10:00 a.m. ————— at the address: MO Istra district, Dedovsk.

According to the accident certificate dated 04/02/2010 and from the photographs presented above, it follows that the Chevrolet Lanos car has two groups of damage:

-1st group - damage to the left rear part. These damages were the result of a collision (contact interaction) with a track-forming object moving from the rear left in relation to the Chevrolet Lanos car, since they have a characteristic direction from back to front and from left to right. (card No. 1)

-2nd group - damage to the right front part. These damages were the result of a collision (contact interaction) with a track-forming object located in front to the right as the Chevrolet Lanos car moved after leaving contact interaction with the vehicle moving behind, since they have a characteristic direction from front to back and from right to left. (Map No. 1, 2)

The physical situation and the final location of vehicles at the accident site is shown on the accident scene diagram dated 04/02/2010 (see below)

Thus, based on the analysis of damage to the Chevrolet Lanos, Renault SR, Moskvich 21214 and Audi A6 cars and the data from the accident scene diagram dated 04/02/2010, it follows that the Audi A6 car, with its right front part, interacted with the rear left corner of the Chevrolet Lanos car, after which the Chevrolet Lanos began to move forward and to the right and with its right front part came into contact with the rear left part of the Renault SR car, which in turn interacted with the rear left part of the Moskvich 21412 car with its front part.

When examining documents that record data on damage to a Chevrolet Lanos car, it should be noted that the damage indicated in the inspection report dated 05/07/2010 Act No. 05/07/2010-1401 F1 and subsequently transferred to the calculation does not fully correspond to the damage displayed on photographs (Map No. 1, 2) namely:

Front left fender - repair 4n/h + painting – From the photographs presented above (map No. 1 and map No. 2) you can see that all the technical gaps relative to the front bumper to the front left fender, the left windshield pillar to the front left fender, the front door left to the front left fender are unchanged, except that it is clear that the engine compartment in the front left part of the car was not damaged. From the above, it can be argued that the collision with the Renault SR car could not have resulted in any damage to the front left part of the car, namely the front left fender.
Air conditioner radiator - replacement; radiator fan assembly - replacement. - In the photo report produced on 05/07/2010 there are no photographs confirming (deformation, fracture, destruction) of the air conditioner radiator and radiator fan assembly.

In the two diagrams presented above, it is clearly visible that the air conditioner radiator and radiator fan assembly are located behind the internal combustion engine radiator, as can be seen in the photograph (Map No. 2), and the internal combustion engine radiator is not damaged. In accordance with this, we can conclude that the air conditioner radiator and radiator fan assembly could not have been damaged in this collision of two vehicles (Chevrolet Lanos and Renault SR).

Instrument panel - replacement. — From the explanations of the driver Shervole Lanos Gerasimov M.V. and calculation No. 07.05.10-1401 F1 dated 05/07/2010. This position, indicating the replacement of the instrument panel, also raises doubts among experts, since, according to the above, it can be argued that the secondary impact of the Chevrolet Lanos car with its front right part on the rear of the Renault SR car occurred due to inertia, and therefore the force of contact interaction between by these vehicles was not high (the estimated speed at the time of the collision with the Renault SR was -15 km/h). The damage to the Chevrolet Lanos at a speed of 12 km/h based on the Euroncap test is as follows:

From the above it follows that the damage to the Chevrolet Lanos car presented in the photographs (Map No. 2) could not have occurred as a result of the vehicle collision mechanism discussed above, including the instrument panel could not have been damaged, since it is damaged at the speed of the Chevrolet car. Lanos at the moment of collision was 64 km/h, according to Euroncap research.

Experts consider it necessary to note that it is possible to determine the list of damaged parts and assemblies of a Chevrolet Lanos car, resulting from the stated ——— vehicle collision mechanism, only based on the results of an inspection of Chevrolet Lanos, Audi A-6 and Renault SR cars.

On the first question ( Damage to the Chevrolet Lanos car reflected in the accident certificate dated April 2, 2010 and photographs of the car, do they correspond to the damage reflected in the report No. 07.05.10-1401 F1 dated 05.07.2010 drawn up by the appraiser V.V. Lomovtsev )

Answer: According to the study, the damage to the Chevrolet Lanos car reflected in the inspection report dated 05/07/10-1401 F1 dated 05/07/2010 does not correspond to what actually took place at the time of the incident, namely: front left fender, air conditioner radiator, cooling fan assembly, instrument panel , could not be damaged as a result of the vehicle collision mechanism discussed above.

On the second question (Could the entire list of damage to the Chevrolet Lanos car recorded in report No. 07,05,10-1401 F1 and reflected in the report, have been formed in a collision of an Audi A6 car with a Chevrolet Lanos car and with a subsequent collision of a Chevrolet Lanos with a Renault SR)

Answer: The entire list of damage to the Chevrolet Lanos car recorded in report No. 07.05.10-1401 F1 dated 05/07/2010, according to the study, could not have occurred with the mechanism of vehicle collision declared by the driver of the Chevrolet Lanos car.

Chapter 1. The procedure for establishing the presence and nature of damage to a vehicle in relation to which the costs of restoration repairs are determined

1.1. The primary determination of the presence and nature of damage, in relation to which the costs of restoration repairs are determined, is made during the inspection of the vehicle.

The results of the vehicle inspection are recorded in the inspection report. The inspection report must include the following information:

the basis for the inspection;

date of inspection (including the start and end time of the inspection);

place and conditions of the inspection;

data from vehicle registration documents;

information about the owner of the vehicle (last name, first name, patronymic (if any) of an individual or full name of a legal entity);

information about the compliance (non-compliance) of the identification characteristics and parameters of the vehicle with the information contained in the registration documents;

date of damage to the vehicle;

information about the mileage of the vehicle indicating the source of this information;

date of commencement of operation of the vehicle;

information about the vehicle configuration;

information about damage to the vehicle (characteristics of damaged elements indicating the location, type and extent of damage), as well as a preliminary determination of the method of eliminating damage and labor costs for performing repair actions not standardized by the vehicle manufacturer;

information about defects in the operation of the vehicle, pre-accident damage, traces of previously carried out repairs, as well as other factors influencing the results of the examination;

preliminary determination of the attribution of vehicle damage to the traffic accident in question;

data to determine the technical condition of the vehicle or its remains;

information about possible hidden damage (indicating the approximate location and nature of the damage);

information about samples and elements of the vehicle taken for research (with a description of the reason, type and purpose of the research);

last name, first name, patronymic (if any), signature of the person who inspected the vehicle;

last names, first names, patronymics (if any), comments and signatures of persons present at the inspection;

date of drawing up the inspection report.

Additional sources of information for the inspection report are photographic materials (video).

Photographing of the damaged vehicle is carried out in accordance with the requirements established in Appendix 1 to this Methodology.

1.2. During the initial inspection, damage to the vehicle is recorded based on the results of an external inspection using the organoleptic method, without dismantling work.

If necessary, during the initial inspection, instrumental methods are used using technical means of measurement and control or diagnostic equipment in accordance with technical documentation and instructions for the operation and use of the specified technical means and equipment, as well as dismantling work.

1.3. In exceptional cases, when inspection of the vehicle is impossible (for example, if the vehicle is located in a remote or hard-to-reach place, disposed of, sold), damage can be determined without inspecting the vehicle - on the basis of the presented materials and documents (with the obligatory attachment of photos or video materials), with the written consent of the victim and the insurer. In this case, the materials for determining the costs of restoration repairs must necessarily indicate that the vehicle was not inspected (indicating the reasons), and the determination of damage was carried out based on the presented materials (documents), indicating their list and source of receipt.

1.4. To characterize damage to parts of the body frame and tail of a vehicle, the following indicators are used, depending on which the methods and labor intensity of repairing damage are determined:

area of damage or the ratio of the area of damage to the total area of the part, part (in percentage or parts) and depth (volume) of damage (quantitative indicators);

type of deformation and initial (established by the manufacturer) structural characteristics of the part, vehicle part in the damage zone (quality indicators);

localization (location) of damage to determine the availability of repair action.

1.5. To characterize damage to the paintwork of a vehicle, the following indicators are used, depending on which the methods, technology and labor intensity of repairing damage are determined:

type of paintwork;

dimensional characteristics of damage (in units of measurement or in relation to the dimensions of a part or part);

the depth of layer-by-layer damage to the paintwork (damage to the varnish, the outer layer, to the ground, to the material);

material of the painted part, assembly, assembly or part of the vehicle.

Determination of the color and type of paintwork of a vehicle is made taking into account:

placement of advertising on the external surfaces of the vehicle;

color schemes, identification marks and inscriptions on the external surfaces of the vehicle;

the presence of images, including films, automobile airbrushing and the like (the method of application, the approximate content of the image, its dimensions and location are indicated).

1.6. During the inspection of the vehicle, a description of the damage and a preliminary determination of how to eliminate it are carried out, based on the following provisions.

When naming parts, assemblies, assemblies and parts in the inspection report, the following order is used: type, subtype, location relative to the side of the vehicle. If there is a possibility of numbering (coding) of parts, assemblies, assemblies and parts, such numbering (such coding) is carried out indicating the source of information (printed publication or calculation-software complex).

For each damage, the following data is recorded: type of damage in accordance with the standard definitions and characteristics of vehicle damage given in Appendix 2 to this Methodology, location, nature and volume. The volume of damage is determined by linear dimensions (depth, width, length) or the ratio of the area of the damaged part to the total area of the part (as a percentage or parts).

For each damaged part (component, unit) of the vehicle, the type and volume of the expected repair impact and (or) paint category are determined.

The necessary and sufficient set (complex) of work for the restoration repair of a vehicle is established depending on the nature and degree of damage to individual parts, assemblies, assemblies and components based on the technology of the manufacturer or certified repair technologies, taking into account the design features of the parts (assemblies, assemblies), subject to repair impacts, performing the necessary and sufficient amount of auxiliary and related work on disassembly/assembly, adjustment, fitting, painting, anti-corrosion treatment, and so on to ensure access to replaced and repaired parts, assemblies, assemblies and parts, safety of associated parts, assemblies , units and parts and compliance with work safety requirements.

The decision to replace a unit (unit) - engine, gearbox, transfer case (power take-off), drive axles, center differentials, wheel gears, steering mechanism, power steering, high-pressure fuel pump, etc., and for specialized vehicles - units and mechanisms located on the chassis of the base vehicle - in case of detection of damage related to the traffic accident in question, but not allowing an unambiguous conclusion to be made about the need to replace the unit or mechanism assembly, it is accepted after their diagnosis or troubleshooting with disassembly, if necessary technically sound indicators (signs) indicating the possible presence of hidden damage (the presence of mechanical damage only in the form of scratches, burrs and chips on the body does not apply to such signs).

Replacement of the body of a passenger car, bus, or truck cabin is prescribed if their repair or restoration is technically impossible or economically impractical.

The need and scope of work to eliminate distortions are determined based on the measurement results; The time limit for their elimination for vehicles of foreign manufacturers is determined taking into account the aggregated indicators of labor costs for performing work on body repairs and eliminating distortions in the openings and bodies of passenger cars of foreign manufacturers, given in Appendix 3 to this Methodology.

In the absence of visually detectable damage to suspension parts (assemblies), the decision to replace the element is made based on the results of instrumental control or additional inspection after complete restoration of the geometric parameters of the vehicle body (frame), based on the results of measurements of wheel alignment angles (WAL) with their subsequent adjustment, when condition that the parameters of the control unit exceed the maximum permissible values.

If it is necessary to replace damaged glass, lighting devices (electrical equipment) or parts, assemblies, assemblies and parts with a service life less than the service life of the vehicle (for example, a battery, tires, belts), or the presence of damage and defects that are not typical for vehicles with With similar parameters, you should separately record their brand (manufacturer), year of manufacture, condition, or, if this is not possible, indicate the expert wear value.

The decision to replace parts made of plastic materials is made only if the vehicle manufacturer prohibits their repair or if their repair and painting, including textured surfaces, is technically impossible or economically unfeasible; The decision to replace vehicle lighting devices in the event of destruction of their fastenings without impairing their functionality is made if it is impossible to repair their fastenings (lack of repair kits for repairing fastenings).

Painting work is prescribed to the minimum extent permitted by the manufacturer's technology, which allows restoring the pre-accident properties of the vehicle. If there is a significant volume of parts to be painted, an expert technician checks the economic feasibility of carrying out external painting of the body in conjunction with painting the internal surfaces of parts subject to repair, if such is provided for by the vehicle manufacturer’s technology.

If at the time of the traffic accident the part had through corrosion, or more than 25 percent of its outer surface already required painting, or the color of the damaged part does not correspond to the main color of the vehicle body (except in cases of special color design), painting of such part is not assigned .

1.7. If during the inspection a conclusion is made about the constructive destruction of the vehicle based on technical indicators or an assumption about the economic inexpediency of carrying out restoration repairs, it is necessary to reflect in the inspection report (or annex to it) a complete list and condition of undamaged parts (assemblies, assemblies) in order to determine their value as usable remains and record these indicators to determine the value of the vehicle before the traffic accident.

How to record hidden damage to a car after an accident in the report and during the inspection?

The technical equipment of modern cars makes it possible to assemble many components and assemblies in a fairly limited space. And they are very easy to damage in an accident. The situation is especially acute when there is an impact on the front or rear bumper and a collision in the engine compartment. How to properly submit an application so that the insurance company records all such hidden damages as part of the OSAGO examination? How to accept an inspection-assessment report and identify them yourself? We will answer all these and other questions in this article.

Should the inspector indicate that there may be hidden damage?

This practice has developed since ancient times - in order to be able to prove that internal damage to the car was sustained after an accident, it was required that the traffic police officer, when registering the accident, put a mandatory note: “ Hidden damage is possible .”

But this is far from a mandatory indication.

Firstly, this practice dates back to the times of road accident certificates issued by inspectors, which have long been canceled for 2019.
Secondly, at all times, even in the absence of such a mark, this did not mean at all that the insurance company would not take them into account during an inspection under compulsory motor liability insurance on the basis of “ the inspector did not write, which means hidden damage was received after an accident .” The point here is that the traffic police officer is an expert in road safety (and not always in practice), and not a technical expert in assessing damage.

Thus, it is not at all necessary for the traffic police officer to indicate the presence of possible hidden damage in the documents about the accident.

How to submit a car for inspection?

Inspection and assessment of damage in an accident is a mandatory procedure and a condition for payment or referral for repairs under compulsory motor liability insurance. Within its framework, all defects from the accident are identified and a database of replaceable and repairable parts is prepared for compensation. If required, an additional report of hidden damage is made.

Important! As part of the initial inspection, it is not necessary for the MTPL expert to identify all hidden damage. But you need to indicate this in your insurance claim. It’s best to write it straight out: “ Expertise is required to detect hidden damage .”

The procedure for insisting on inspection of hidden defects after an accident under compulsory motor liability insurance depends on how compensation will be made: payment or referral for repairs. Because when paying, defect detection should be carried out at the inspection stage, but during repairs, already in a car service center, auto experts will disassemble the car and during this, identify additional damaged parts and assemblies.

Hidden damages during payment

Everything is quite simple here. You will be present during the inspection of the car. If an expert from the insurer, in your opinion, made an incomplete assessment of the quantity and quality of damage, then later you will in any case identify this - already when you repair the car.

It is advisable (but not necessary - this is not regulated by the legislation on compulsory motor liability insurance) in the application for insurance payment, as we said above, to indicate the possibility of hidden damage to the car and require an examination to detect such.

During the inspection itself, it is best to bring a car mechanic or independently remove body parts with an expert, which cover possible hidden damage. It is important not to do this before the expert arrives, since otherwise the payment may be refused (this is illegal, of course, but another reason for the insurer to get caught).

Often this is exactly what has to be done, since an expert from an insurance company on compulsory motor liability insurance often does not care about recording even visible damage, and he literally has to “point his finger” at them.

If it was not possible to fix what may have been damaged, and your insistent demands did not help, in any case, you first need to wait for payment, and based on the results of the amount of money paid, evaluate whether it is worth filing an additional claim for incomplete compensation for damage. It is also necessary to indicate in the inspection report that you will be given to sign that you do not agree with the result of the inspection, since hidden defects are possible as a result of an accident.

The optimal course of action, if the insurer has not counted all hidden damage, in this case will look like this for you:

after an accident, you submit an application for insurance compensation and submit the car for an expert inspection by the insurance company,
As part of the examination, damage to the machine is determined,
Next, the expert will agree with the insurance company on the amount of damage and calculate the money for payment,
you are paid,
Now you have 2 options:
- if the amount paid is not enough, then you need to order an independent examination, which will already calculate all hidden damages, then you need to submit a pre-trial demand with an expert report attached with the amount and demand to pay the missing amount, including the cost of the independent examination and other expenses; if the “pre-trial” request is refused, all that remains is to file a claim in court;
- if the amount paid is enough, then you either repair the car and forget about this incident, or also order an independent assessment to calculate all the damage and pay extra for it.

Hidden defects during repairs

If you are sent for repairs, the question of how to record hidden damage to the vehicle becomes somewhat more complicated. If, during payment, defects in body parts are revealed during inspection, then during repairs - already after the car is at the service station and without the owner of the car.

That is, the procedure for identifying hidden defects is somewhat different here:

after an accident under compulsory motor liability insurance, your application is usually reviewed (which also needs to include an additional requirement to record possible hidden damage) and the car is inspected,
the expert identifies all visible damage and sends the data to the insurance company for approval,
she, in turn, again calculates the compensation,
based on the result, within the required 20 days from the date of submission of the application, you will be given a referral for repairs,
you hand over the car to the selected service center and go about your business,
the service, according to your request, carries out an additional inspection of deeper damage, already dismantling the car, actually starting to make repairs,
Next, additional damage that needs to be corrected is agreed upon with the insurance company.

And in this case lies the greatest difficulty - you yourself will not see what hidden damage was discovered during such an inspection, and whether all of them have been corrected. This becomes especially important when hitting the rear or front bumper.

What to do in this case? And here we already have 3 options:

or try to attend the additional inspection of possible defects invisible when the car is assembled,
or determine hidden damage after the fact within the framework of an independent examination,
or even before handing over the car for repairs (but always after inspection by a representative of the insurer), remove the body parts yourself to identify hidden defects and photograph them.

The last option seems to be the most optimal, because it is not always possible to be present during the first disassembly of the car and it is not always possible to agree on this with the service workers. And conducting an independent examination can be expensive, since you yourself are not sure of the presence of hidden damage, and if there is none at all, then there is nothing to demand from the insurer, and the independent examination is paid for.

It should be noted here that at the stage of additional approvals for hidden damage during disassembly and inspection at the service center, the insurance company often requires an additional payment from the car owner. Why you shouldn’t agree to this, as well as what you can and cannot sign among the papers, we wrote in a separate article about sending for repairs under OSAGO.

In general, it is not always the case that if there are possible defects that are invisible at first glance, the insurance company will in every possible way avoid compensating for them. Thus, according to the practical experience (and, accordingly, personal opinion) of the author of the article, most often companies such as RESO, Alfa-Insurance, Zetta, Soglasie, and less often Rosgosstrakh, Ingosstrakh pay for hidden damages.

Description of the accident

Laboratory work No. 1

«Special features of MS Word to optimize work with documents»

Practical lesson: 4 hours.

Purpose of the lesson:

-Cadets must learn to report on the work done using the MS Excel package.

— Master the procedures for creating pivot tables and maintaining them.

-Master the preparation of MS Word documents using electronic forms

Practical part.

1. Study Art. 15.1. Manuals on the work of the road patrol service of the State Road Safety Inspectorate of the Ministry of Internal Affairs of the Russian Federation. Approved Order of the Ministry of Internal Affairs of Russia dated April 20, 1999 No. 297 (RG.1999. May 25-26, June 1-2) as amended. and additional

"15.1. Any incident that becomes known to a traffic police officer, including cases where it was committed outside his post or patrol route, he reports to the duty unit of the combat unit (internal affairs agency) and subsequently acts in accordance with the instructions received.

Upon immediate receipt of a report of an incident, the traffic police officer is obliged to listen carefully to the applicant and record:

a) last name, first name, patronymic, address and telephone number of the person who reported the incident;

b) Place, time, type and circumstances of the incident;

c) information about the victims;

d) information about the provision of medical care to victims;

e) to which medical institutions and by whom the victims were sent;

f) the type, make, color and state registration plates of the vehicles in which the victims were transported;

g) information about the vehicles involved in the incident.

2. Process the following accidents and summarize them in a summary table based on the positions required for recording specified in Art. 15.1. Manuals on the work of the road patrol service of the State Road Safety Inspectorate of the Ministry of Internal Affairs of the Russian Federation

Description of the accident

1. On the morning of November 7, 2006, on the Rakitovskoye Highway, while driving from K. Marx Avenue towards the Moscow Highway, the driver of a Gazelle truck drove into oncoming traffic and collided with a Hyundai Accent car. As a result, the driver of the foreign car died, and the person responsible for the accident was hospitalized with a chest contusion and head injury. An additional reason contributing to the occurrence of road accidents was a wet roadway. The reasons for the possible water leak in this area are being investigated.

2.24.12.06. at 13:30, the driver of a VAZ-2109, following the Volzhskoe highway, overtaking, drove into the snow-covered middle of the road. The discrepancy between the speed and the condition of the roadway led to loss of control and skidding of the car. Finding itself in the oncoming lane, the “nine” turned across the road. As a result of a collision with an oncoming UAZ Patriot, the car was literally torn into pieces. People who fell onto the road were hit by a passing VAZ-2110. The driver and passenger were killed. A female passenger was hospitalized with serious injuries. Three people were also injured in the UAZ, including an eleven-year-old girl.

3. On the morning of February 2, near the village of Yaitskoye on the South Bypass Road, the driver of a cargo van decided to turn around. He began to perform his maneuver from the right side of the road. Sunny weather, excellent visibility, dry asphalt - everything contributed to the safe outcome of events. Even the approaching Gazelle route had a bright poisonous yellow color so as to always be noticeable. However, the van started moving and ended up across the road in front of a passing minibus. The Gazelle driver suddenly braked and tried to “steer” the car to the left. It was not possible to avoid a collision. The Novokuybyshevsk-Samara flight for eleven passengers was completed. Rescuers from the Ministry of Emergency Situations, traffic police and ambulance officers helped passengers get out of the crumpled bus. Three people with serious injuries were sent to medical facilities.

4. The tram car left the Northern depot for work on the second shift on route No. 7. At 19.50, moving along Novo-Vokzalnaya Street, the tram safely crossed Stara Zagora Street and headed towards Karl Marx Avenue. And then the real nightmare began! According to the preliminary version, due to power failures, the service brake system ceased to function. The additional emergency system also did not work. Why the three-level protection against such situations did not allow the car to be stopped, and whether the driver’s actions were correct, the investigation will show. The uncontrollable tram, picking up speed along the slope, rushed towards Stavropolskaya Street, passing stopping points. At the intersection with Karl Marx Avenue, he hit the VAZ 2109 hard on the left side, took it with him and dragged it almost to the Vityazi gas station. Only specialists from the Ministry of Emergency Situations were able to remove the injured people from the mangled interior. At the intersection with Nagornaya Street, two more cars were hit. The tram took off onto Stavropolskaya Street unexpectedly for the passengers standing on the stopping platform. When the rails turned to the right by 90 degrees, a heavy car came off the tracks, and a 20 cm level difference between the stopping area and the roadway provoked a loss of stability and its overturning. As a result of the tragedy, 3 people were killed and 11 were injured, including three children. One of the victims managed to save his six-year-old grandson, managing, according to eyewitnesses, at the last moment to push the boy out of the path of the tram. Fortunately, there was not a single car on the roadway where the carriage fell. It was no longer “peak” time and the traffic light had been switched to “yellow flashing” mode the day before due to road repairs. Therefore, traffic did not accumulate in front of the traffic lights.

5. October 4 at about 13:00 on the street. There was an accident in the Democratic Republic. The driver of a VAZ 2108, driving on a wet road at a dangerously high speed, lost control of his car. According to eyewitnesses, the G8 flew into oncoming lanes through solid marking lines, turning 180 degrees. The driver of the oncoming Tatra brake sharply and tried to pull to the right onto the side of the road. Nevertheless, the heavy dump truck continued to skid, crushing the passenger car and literally crushing it. Rescuers from the Ministry of Emergency Situations who arrived at the scene of the accident determined that the driver went on his last trip alone. The nature of the damage to the car and the injuries received did not leave the young man a chance to survive.

6. On Monday night on the street. In Stara Zagora, a VAZ 2105 car collided with a metal pipe, which almost entered the car’s interior. When traffic police arrived, the driver was not at the scene. The search for the car owner and possible victims is currently underway. It should also be noted that repair work on the heating main has been going on in this area for a long time, but the installed signs and fencing do not fully meet safety requirements. Based on today's accident, the guilty officials responsible for traffic safety at the site of repair work were also brought to administrative responsibility.

7. On the afternoon of September 4, the driver of the cargo-passenger Gazelle, following Zavodskoye Highway from the side of the street. XXII Party Congress towards st. Cable, “didn’t notice” a tow truck parked at the right curb and hit it at full speed, literally driving under the truck. The driver, removed from the mangled passenger compartment, was sent by ambulance to the hospital. Fortunately, there were no passengers with him.

8. The measures taken on the South Bypass Road made it possible to bring guide fences, markings, lighting and the roadway itself into proper condition. However, ideal road conditions relax some inattentive road users and provoke some undisciplined drivers to exceed the speed limit and take unnecessary risks. On August 28, at about 14:00, the driver of a VAZ-2113, moving at high speed, did not react to the braking of passing traffic flowing around a faulty KamAZ truck standing in the first lane. To avoid a collision with vehicles in front, he took emergency braking measures and sharply turned left, driving into oncoming traffic through two solid marking lines. As a result of a head-on collision with a Gazelle cargo van, the driver received a severe head injury. Traffic on the South Bypass Road was paralyzed for three hours.

9. 08/21/2006 at 12:10, the driver of a Volkswagen cargo van loaded with cement and construction materials, following the Krasnoglinskoe highway, accelerated the car to such a speed that on a long descent he lost control of the steering. The van began to swerve along the road from side to side. The driver of the oncoming car tried to avoid the frontal impact, but could not avoid a tangential collision. The rear axle of the Volkswagen was torn off from the strong impact, and the passenger car was so damaged that the seriously injured driver and passenger had to be evacuated by rescuers from the Ministry of Emergency Situations.

On August 10, 2006, around noon, a tragedy occurred on the Krasnoglinskoe highway. The Oka car, finding itself in the oncoming lane, collided head-on with a VIS pickup truck. Both cars were so damaged that only emergency services specialists were able to remove people from the mangled interiors. The driver of the pickup truck and the fifteen-year-old passenger of the Oka died at the scene of the accident. The second driver died from his injuries while being transported to hospital.

On May 11.30 at 13.00, the driver of a VAZ 2115, moving along the roundabout of Kirova Ave.-Stara Zagora St., did not fit into the radius of the curve and drove off the roadway. The car demolished barriers and bushes, and when it hit a pole it caught fire. The fire was extinguished with the help of nearby employees of the Emergency Commissioner Service and a traffic police squad. The help of the arriving fire crews was no longer required. The driver, a young officer, was not injured. The female passenger suffered a mild concussion. It was only by luck that the beam of the destroyed fence ended up not in the car, but above its roof.

On July 12, 10, at about 15:00, while driving, a passenger Sobol, belonging to one of the city’s industrial enterprises, suddenly caught fire. Fortunately, only the driver and the accountant were in the car, who managed to quickly leave the cabin engulfed in flames. During the work of the arriving fire brigade, traffic along Kirova Avenue in the area from Moskovskoye Highway to Stara Zagora Street was blocked by traffic police crews. There were no casualties.

13. On the morning of July 9, at the intersection of Rakitovskoye Highway and Karl Marx Ave., during sharp braking, a VAZ-2114 car lost control and overturned. The female driver explained that the emergency situation was created by an oncoming motorcyclist turning left. She escaped with slight fear and minor bruises. The girl is truly lucky! The car, overturned onto its roof, turned out to be literally impaled on a fence post, which penetrated into the cabin just through the window on the driver's side. To put the car on wheels, it was first necessary to lift it with a crane, removing it from the fence.

14. On July 1, at about 16:00, the driver of a VAZ-2106, following Sovetskaya Armii Street, attempted to cross the Moskovskoye Highway at the prohibitory traffic light. Having driven to the intersection to cut off the traffic flow, the Zhiguli hit first a traffic police patrol car, and then a foreign car. As a result of the accident, 4 people were injured. The culprit of the accident was sent to medical attention. examination for suspected drug intoxication. Doctors confirmed that this citizen had already undergone a similar test the day before, but the test results are not yet ready.