After an accident, where should you contact?

What should a victim do after an accident?

Good afternoon, dear reader.

This article will talk about what to do after an accident for the injured driver. Namely, the preparation of documents and applying to the insurance company for payments under compulsory motor liability insurance will be considered.

Let me remind you that the article “Memo in the event of an accident” discussed the features of registration (including independent) documents at the scene of a traffic accident. However, this is only the first part of the operation to receive insurance payment.

Moreover, if you have completed any paperwork about the accident (no matter whether it involved police officers or not), you will have to contact the insurance company to submit your copy of the accident notice within 5 days from the date of the accident. This is stated in paragraph 3.8 of the rules for compulsory civil liability insurance of vehicle owners.

Let's look at how to prepare for contacting an insurance company:

Additional completion of road accident documents

Currently, most road accidents must be registered without the participation of police officers (New rules for registration of road accidents from July 1, 2015). The traffic police officers themselves are also in no hurry to go to the scene of “minor” accidents, and if they have already arrived, they do not deal with the registration, but “force” drivers to fill out the documents themselves. This complies with traffic regulations, so there is nothing to complain about here.

As a result of independently registering an accident, the injured driver ends up with only one document in his hands - a notification of a traffic accident . It is with this that you will have to contact the insurance company to receive compensation under compulsory motor liability insurance.

Note. From November 10, 2019, the notice can be filled out not only on paper, but also in electronic form (via an application). You can find out more about this in a separate article.

Let me remind you that at the scene of an accident, drivers together fill out only the front side of the notice. Each driver must fill out the reverse side independently.

The reverse side of the notice looks like this:

Let's consider filling it out.

14. Select a vehicle according to the front of the application. If your car was on the left, then select A, if on the right, then B.

15. Circumstances of the accident. This is the main item that needs to be filled out very carefully. I recommend formulating the text in advance (for example, in a computer text editor), and only then adding it to the notice.

This paragraph must contain, first of all, information about what the other road user has violated (including the traffic rules). In addition, you can additionally enter information to exclude your fault in the accident.

For example, you can specify:

I drove onto the Moscow highway. Stopped to comply with the requirement of sign 2.4 “Give way.” The driver of car B violated paragraph 10.1 of the traffic rules and caused a collision with a vehicle in front.

This explanation is quite enough to receive payment under compulsory motor liability insurance.

Cross out the remaining blank space to prevent adding unnecessary information there.

16. If the car was driven by the owner, then check the first box, if another person - in the second.

17. If the car cannot move under its own power, then check the second box and indicate the location of the vehicle.

18. Notes from participants. This field also requires completion. If you would like to attach photographs or video recordings to the notice, please write this in this field. For example:

I am attaching a CD with photographs of the scene of the traffic accident (43 photos) to the notice.

Also in field number 18, disagreements between the participants in the accident are indicated, if such disagreements occurred. Let me remind you that in case of disagreement, you can file an accident yourself only if you have an application from the union of auto insurers or the presence of the ERA-GLONASS system on at least one of the cars.

Cross out the remaining blank space.

In addition to notifying the insurance company, you will need:

1. All documents for the car (PTS, registration certificate, OSAGO policy).

2. Your documents (driver’s license, passport, power of attorney, etc.).

3. Bank details of your account printed on a sheet (if you do not want to repair the car, but want to receive money).

Note. In 2019, repairs take priority over cash payments. That is, in most cases, the insurance company will repair the damaged car.

If in your case a choice is possible, then it makes sense to think in advance which method of compensation you will choose: repairs or money.

repair if you really want to repair your car and it doesn’t matter to you who will do the repairs. If you choose repairs, the insurance company must pay for it in full, i.e. You are guaranteed to receive a restored car. A possible disadvantage of repairs is that it can take considerable time (a month or more).

money if you are not going to repair the car at all. For example, in the case of minor scratches.

It is also advisable to choose money if you are going to do the repairs yourself. Or you want to contact a trusted organization to restore your car.

I note that in practice, insurance companies often pay an amount that is not enough to completely restore the car. In this case, it is necessary to conduct an independent technical examination and recover the remaining amount from the insurance company through the court.

Contacting an insurance company for compulsory motor liability insurance

Before going to the insurance company to file a claim, I recommend calling them. The fact is that, firstly, you cannot submit an application at any office, and, secondly, not at any time (there must be an employee on site assessing the damage).

You will need to fill out an application with the insurance company, wait for the damage to the vehicle to be assessed and sign the corresponding document. In principle, nothing complicated, but in practice the whole procedure can take 2-3 hours of your time.

One more note. You need to go to the insurance company confident that you are right.

When I contacted the insurance company for payments, the employees said the following:

1. The notice was filled out with one hand, so you should not count on payments.

It is quite natural that the victim filled out the notice on his own. The culprit may intentionally make mistakes in order to avoid payments.

2. The copy of the notice does not say anywhere that the culprit admitted his own guilt.

This is also quite logical, because this copy of the notice is filled out by the victim. There are no fields reserved for the culprit. In addition, drivers are not generally required to independently determine the culprit of an accident. They only need to agree on the circumstances of the accident and the list of damages.

In general, if they tell you something like that, don’t be alarmed. The listed features of the notification do not affect the fact of payments.

Before giving the signed documents to the insurance officer, I recommend photographing them. Firstly, later you will be able to see what the insurance company wrote. Secondly, you will have evidence that you submitted documents to the insurance company at all.

Receiving compensation under compulsory motor liability insurance

After you have submitted an application to the insurance company, you can only wait for a referral for repairs to be issued or payments to be received. This must happen within 20 calendar days:

21. Within 20 calendar days , with the exception of non-working holidays, and in the case provided for in paragraph 15 3 of this article, 30 calendar days, with the exception of non-working holidays, from the date the victim’s application for insurance compensation or direct compensation for losses was accepted for consideration and documents attached to it, provided for by the rules of compulsory insurance, the insurer is obliged to make an insurance payment to the victim or, after inspection and (or) independent technical examination of the damaged vehicle, issue the victim a referral for repair of the vehicle indicating the service station where his vehicle will be repaired and which the insurer will pay for the restoration repair of the damaged vehicle, and the repair period, or send the victim a reasoned refusal of insurance compensation.

If the insurance company agrees to pay monetary compensation, the money will be transferred to the account you specified when submitting your application. If the amount received does not suit you, then you can conduct an independent examination and go to court for additional payments.

First actions of participants in an accident: where to go and who to call

Many car owners are confident that the experience gained in driving a vehicle over the years, their insight and accuracy will be able to protect the driver from many incidents that regularly occur on the road. You should not be so self-confident, since practice shows that even the most vigilant motorists can get into a very unpleasant traffic accident at least once in their life. No one is safe from a sudden meeting with reckless motorcyclists, drunk drivers and other road users who ignore the rules of the road. Every day, not only in large cities, but also in sparsely populated areas, the number of cars is steadily increasing, as a result of which the risk of accidents increases several times. No matter who is at fault for the incident, any driver must clearly know what he needs to do in the event of an accident, which services to contact and where to call after an accident.

In case of an accident, people often do not know what to do and make mistakes.

Correct actions after an accident

There is one truth that absolutely every car owner should know by heart - under no circumstances should you leave the scene of the accident until the appropriate services arrive. If this rule is violated not only by the culprit, but also by the victim in the accident, both road users will be held accountable in accordance with Art. 12.27 Code of Administrative Offenses of the Russian Federation. The punishment for such a violation is quite serious; the car owner will lose his driver’s license for one and a half years or he will have to serve an administrative arrest, which includes imprisonment for 15 days. The level of liability increases depending on the severity of the offense committed: if there is bodily injury, restriction of freedom can reach a period of five years.

If a car owner finds himself in such a situation for the first time and does not know what to do after an accident, he must first stop his vehicle and under no circumstances touch any objects that may be directly or indirectly related to the accident. By removing the car from the roadway or sidewalk with good intentions (to clear the way for other road users, in particular drivers and pedestrians), it will be possible to destroy evidence that will help determine the culprit of the accident.

The next step should be to turn on the hazard warning lights and display a warning triangle. It should be noted that this element must be installed at a distance of at least 20 meters from the accident site. If people were injured as a result of a collision, you must first dial the ambulance number.

So, if the car owner does not know what to do after an accident before the police arrive, he should take into account the recommendations below. Don’t forget to find out the full name and contact numbers of all witnesses who were near the scene of the accident at the time of the accident. It is important to note that witnesses are also passengers of the vehicle who accidentally became participants in the accident. It will be better if, in addition to contacts, the witnesses write down their testimony; in the future, they can be recorded in the protocol. It will not be superfluous to take photographs, which will clearly reflect (and, if necessary, even confirm) some of the details of what happened.

The first calls made after an accident

Any accident is a huge stress for all those involved, however, whatever its consequences, you should know where to call after an accident.

If there are victims as a result of the collision, you should immediately contact the emergency department by dialing number 03. If the call is made via a cell phone, number 003 is suitable for those with Beeline, and phone 030 is suitable for users of Tele2 networks ", "Megafon" and MTS. If no one needs emergency medical assistance after a collision, those involved in the accident should first dial the number of another service.

If an agitated participant in an accident cannot understand where to call after an accident, any eyewitness can seek help by calling the local police department, who must dial telephone number 002 if the call is made from a cell phone and the owner uses the Beeline network. For those who have Tele2, Megafon and MTS SIM cards, dial 020.

Very often, when accidents occur in which only vehicles are affected, the person at fault may have several reasons to ask the victim to resolve the conflict without calling the police. However, you should not give in to persuasion and promises, even if the second driver promises to soon repair the car, compensate for the damage, or otherwise correct the situation.

It is possible that those involved in an accident may not know many of the numbers that are needed to call the appropriate services; below is a list of the most important structures:

Moscow traffic police duty station (call from a landline phone) - (495) 688-64-10, 688-81-71.
Moscow traffic police duty station (from a cell phone) - 112 (Megafon, MTS), 002 (Beeline), 020 (Tele2).
Rescue service in Moscow (does not depend on the operator) - 0911.
Ministry of Emergency Situations in Moscow (call from a landline phone) - (495) 208-34-26.

In addition, you can call emergency services, which have a single number 112, independent of the telecom operator.

After all the measures described above have been taken, and the participants in the incident are in normal health, you can, if necessary, seek help from the traffic police officers, knowing the specific telephone number of the department, depending on the district of Moscow:

111-14-74 - Southern District;
178-63-55 - South-Eastern district;
166-78-77 - Eastern District;
439-35-11 - Western District;
333-00-61 - South-Western district;
246-66-44 - Central District;
452-30-86 - Northern District;
533-03-44 - Zelenograd district;
499-39-44 - North-Western district.

Among other things that need to be done after an accident, vehicle owners must contact the insurance company that directly took out car insurance. Employees of this organization must also be notified of the incident. In the conversation, you should indicate the full name of the owner of the damaged car, the location of the accident and the insurance policy number. This call should not be postponed until the police arrive, since recently insurance organizations not only advise clients through a telephone conversation, but also provide the services of an emergency commissioner who immediately arrives at the scene of the incident, becomes an intermediary in communication between drivers and police officers, and with all sorts of ways to win the interests of the car owner.

Car owners at fault for the accident, who are not confident in their abilities and do not know what to do after an accident, should contact their insurance company, which will be obliged to pay the amount specified in the insurance compensation to the injured party within 15 days. It is worth noting that the specified amount is most often equal to the amount of damage received, but never exceeds the maximum insured amount.

A car without insurance was damaged in an accident

Modern traffic regulations that are in force today oblige the owner of the vehicle to have an MTPL insurance policy. However, cases often arise in which the car owner cannot present it to the police. The person responsible for the accident will bear additional liability if:

the vehicle is not insured at all;
the MTPL policy has expired;
the amount of damage caused is much higher than the amount reimbursed by the insurance company.

There are often situations when guilty car owners have to pay a lot of money for more than one year to cover their debt.

Of course, it won’t be possible to protect yourself and your family from all sides, but there are rules that, if followed, can greatly simplify the situation. In addition to the fact that everyone should know where to call after an accident, they must always have with them a valid MTPL policy issued by a trusted insurance company that has been working in this structure for several years. It is impossible to compare the several thousand rubles needed to pay for the policy and the multimillion-dollar sums that, in an unfortunate combination of circumstances, will have to be paid for a damaged vehicle. Even if an accident does not happen, the MTPL policy will save its owner from unnecessary expenses, because a fine (500 rubles) is provided for a traffic police officer stopping a car that does not have insurance.

Actions of participants in an accident after the arrival of the police

If the guilty or injured car owner knows what to do after an accident, he called the police and they arrived at the scene, you should not “shout” loudly about your conjectures and assumptions regarding who is right and who is wrong in the current situation. It is necessary to give the inspectors time to figure out what happened on their own; sometimes it happens that the accident did not occur through the fault of a particular person; both drivers or even a car service center where repairs were made to a car that failed at the right time could be at fault.

After the arrival of the traffic police officers, a diagram of the incident and an administrative protocol are always drawn up. Those involved in an accident should check this data to be sure that all important facts and circumstances are documented. It is important to take into account that the report must indicate not only the location of the accident and signs of braking. The act must include existing road signs, visibility, glass debris and even weather conditions. The more details of the incident are taken into account, the greater the likelihood of correctly identifying the culprit.

You should not sign protocols and diagrams without prior study; no one excludes the possibility of an error; it is likely that the inspector may not take into account some details that car owners should gently point out with a request to include them in the relevant documents. If you disagree with the employees or the data they describe more accurately, you should make adjustments or simply refuse to sign. In addition, you should never sign a blank or empty protocol.

No matter how light the damage to the vehicles may seem, each party must write down the details of the second participant in the accident, in addition to the full name and cell phone number, you should ask about the residential address and place of work. Sometimes a participant in an accident who admits his guilt subsequently denies what he did and hides from the injured car owner, so it would be better to immediately determine all the coordinates of the culprit for further filing of claims.

Recommendations for Russians who have been involved in an accident abroad in a personal car

The so-called Green Card, which should be available to everyone who plans to visit a particular foreign country in the near future, will help prevent compatriots from trouble. Through such insurance, the Russian responsible for the incident will be able to cover the damage caused to the foreign driver. If a car owner has an accident abroad and does not know what to do after the accident, one important condition must first be observed - never transfer the original “Green Card” to third parties. If a police officer of another state requires this document, he only needs to give him a copy of the insurance or write down the number of this document with its validity period in the protocol.

Regardless of who is at fault for the accident, you should ask the other party for their initials, place of residence, telephone number, as well as the number and validity period of the insurance policy.

In most foreign countries, all participants in the accident are provided with a copy of the protocol. If the document has not been received, the parties have every right to demand its release.

All protocols issued abroad should be treated with care; they should not be deliberately thrown away or lost, since only with them will the driver be able to freely leave the country in which the unpleasant collision occurred.

It should be taken into account that, not only not knowing what to do after an accident in another country, but also not understanding their language, the driver must enter this information when signing the protocol so that no misunderstandings arise in the future.

So, as for insurance, the driver involved in the accident must notify his insurance company about the incident. In addition, when purchasing insurance before traveling to another country, you need to verify the authenticity of the insurance organization in which the document is drawn up. The fact is that if a fake insurance certificate is discovered, the citizen may not be released from the country or may be detained at the border for some time.

Conclusion

Anyone, even the most careful and prudent driver, must be prepared for any situations that may unexpectedly arise while driving around the city or on the highway. All car owners, without exception, should know what to do after an accident, where to call and who to contact. Correct actions taken in the first minutes after an accident will help save those involved in the incident from many troubles.

How to get insurance after an accident? Where to contact?

How to get insurance after an accident is the main question if a motorist finds himself in such an unpleasant situation. In order to receive an insurance payment, you must complete all the actions provided for by the traffic rules and the rules of compulsory motor liability insurance.

How to get insurance under MTPL: first steps after an accident

So, an accident happened. How to get insurance after an accident and what to do first?

We stop the vehicle, turn on the emergency lights and put up a warning triangle. Do not move objects or move the car under any circumstances, even if you are blocking the passage!
We inspect the scene of the incident, see if there are any casualties, and if necessary, call an ambulance.
We report the incident to the police, and at the same time record the phone numbers and car numbers of witnesses to the accident.

If there are no victims in the accident, drivers can independently draw up an accident diagram, arrive at the nearest traffic police station and register the incident. Remember: all documents that you receive from the police must be presented to the insurance company in copies and originals.

The traffic rules stipulate that if, as a result of an accident, damage was caused only to the property of citizens and their liability is insured, then they can do without police representatives and fill out a notification about the accident themselves. The main thing we pay attention to is that there should be no casualties in the accident, the circumstances of the accident should not cause disagreements among vehicle drivers, and the damage itself should not exceed 50,000 rubles. This is exactly the amount provided for by the law on compulsory motor liability insurance, and payments cannot exceed it if you file an accident without police officers.

In addition, each participant in an accident is obliged to provide other participants with information about the insurance company that insures his civil liability, the insurance policy number, telephone number and other contact information of the insurer. And of course, drivers must notify their insurance companies about the accident.

Preparation of MTPL documents in case of an accident for payment of insurance by the insurance company

If the parties have not agreed on the circumstances of the accident and do not want to draw up documents without the presence of the police, and the damage caused to property as a result of the accident is more than 50,000 rubles, then it is necessary to call the police and wait for them.

When preparing MTPL documents , two scenarios are possible:

If the accident causes harm to the health of citizens (except for grievous harm), then the police officers take the following actions:
- a protocol for examining the accident site is drawn up and a diagram of the accident is drawn up;
- a ruling is made to initiate administrative proceedings against the perpetrator;
- accident participants write explanations;
- all participants in road accidents, including injured persons, are issued certificates of road accidents (see: Certificate of road accidents in form 154: deadlines for issuance, sample filling, form ).
If no harm was caused to the health of citizens:
- an accident diagram is drawn up;
- participants in the accident write explanations;
- All drivers are issued a certificate of accident.

If it turns out that the parties are not subject to administrative liability as a result of an accident, then a ruling is issued to refuse to initiate administrative proceedings. If there is administrative responsibility, then a resolution or ruling is issued to bring the person to justice. If it is not possible to determine the circumstances of the accident and the elements of the administrative offense on the spot, a decision is made to initiate a case on an administrative offense and conduct an appropriate investigation.

In the event that a traffic police officer cannot draw up a certificate of an accident and hand it over to drivers for some reason (for example, due to unforeseen circumstances), he must do this at the nearest traffic police post or at the police station within 24 hours after the accident.

Carefully read all documents that are given to you to sign! You have the right to disagree with the circumstances that the police officer stated in the documents. After all, when paying out insurance, every detail (even seemingly insignificant) will play a role.

Pay attention, for example:

on the condition of the road surface at the accident site;
weather;
the condition of road equipment (in some cases it is important to note its presence/absence);
skid marks, etc.

And finally, the last document that drivers involved in an accident must fill out is a notification of an accident.

Insurance and payments in case of an accident - how are they paid and what is needed for this?

Now let's figure out how insurance is paid in case of an accident .

First, the victim and the culprit are required to notify their insurance companies about what happened immediately after the accident. Then, no later than 5 (if the accident is registered without police representatives) or 15 (in other cases) days, you must come to the insurer with notification of the accident. If it is not possible to bring the document in person, then you can, for example, transmit it by fax or send it by mail.

The victim of an accident must submit a claim for benefits to the insurance company. If the victim's property is damaged, he must provide this property to the insurer for inspection and examination in order to determine the extent of the damage caused.

The insurer must conduct an inspection/examination within 5 days after the victim writes a statement. If during the examination it is necessary to study the vehicle that was damaged, then it is necessary to contact the second participant in the accident.

Documents that must be presented to the insurance company to receive payments:

Notification of an accident (see: How to fill out a notification of an accident: sample filling, diagram, download the form?).
Certificate of an accident (if the documents were prepared with the participation of a police officer).
A copy of the administrative violation protocol.

If the victim’s property was damaged, the following must be additionally submitted:

documents that confirm ownership of property;
conclusion of an independent examination on the harm caused;
receipts for payment for expert services;
other documents that can confirm damage to property.

In addition, the insurance company is obliged to compensate for damage if the victim proves that harm was caused to his health. The main rule is documentary evidence of each requirement.

For example, consider a situation where a person who is the only breadwinner in the family died as a result of an accident. In this case, you must submit to the insurance company:

a statement identifying all family members of the deceased;
death certificate;
certificates from schools and other educational institutions stating that the children of the deceased are studying there;
certificates stating that a family member of the deceased is disabled;
a conclusion from a medical organization or social authority that a family member requires care;
a certificate of expenses for the burial of the deceased;
birth certificates of children (if there are children).

So, let us briefly remind you what to do and where to go after an accident :

Call an ambulance (if harm was caused to the health of any of the participants in the incident).
Call the police.
Notify the insurance company.

Payments under compulsory motor liability insurance in case of an accident: where to apply for the victim

Within the framework of the law, every driver must buy compulsory motor liability insurance. It is this agreement that is guaranteed to cover the costs of the party at fault in the accident. When registering, each motorist must clarify where to go after an accident under compulsory motor liability insurance for the victim and how compensation is paid. In this article we will consider the main issues related to losses and how much you can expect. We also note where the complaint should be sent if an illegal refusal is received.

Which insurance company should the injured person contact?

If, when a mandatory product was introduced, the driver could only contact the office of the culprit’s insurance company, now everything is different. The party injured in an accident, within the framework of the current law, can contact the company that issued the auto liability form.

To exercise this right, the following conditions must be met:

two vehicles are involved in the accident;
there are no victims who suffered harm to life or health;
the victim and the culprit have compulsory motor liability insurance.

If the above conditions are met, you can register an insurance event and contact the insurer to receive money to carry out repair work. If, as a result of an accident, harm is caused to a passer-by or a participant in the traffic, or three or more cars are involved in the accident, then you can write an application for payment only in the company of the guilty party.

Who will make the payment if the culprit does not have compulsory motor liability insurance?

A very common situation, as a result of which the guilty party does not have a valid MTPL agreement. In this case, some drivers do not know how to record the case and where to receive funds. In fact, everything is simple and there are two options for receiving money.

Who will pay the funds:

The guilty party, namely the driver himself. Drivers often resolve the issue on the spot to save time. To do this, the amount of damage caused is determined, and funds are transferred against a receipt. Drivers can determine the damage either independently or with the help of a specialist at the station. As for the receipt, it is drawn up in one copy and remains with the guilty party. The victim who receives the funds, if necessary, can make a copy for himself.
Financial institution where the victim purchased compulsory motor insurance

If the culprit refuses to voluntarily pay compensation to the victim, then it is necessary:

record through a police officer;
visit the office of a financial company;
receive compensation.

After payment, the insurer itself recovers the funds from the person responsible for the accident in court. It is important to take into account that in addition to the damage, you will need to pay all the costs of conducting the case.

Important! If payment is required under compulsory motor liability insurance in case of an accident with victims, then you must attach all certificates confirming the costs of paying for treatment.

Where to go if the culprit of an accident escaped

An unpleasant situation that some drivers face is when the at-fault party leaves the scene of an accident. For example, you leave your house or store and notice damage to your “iron friend”. Not everyone knows what to do in such a situation for the victim and they make one big mistake - they leave the scene of the accident and make repairs at their own expense.

In this case you will need:

call the local police officer and ask him to record the damage received;
visit the insurer and write a statement indicating that the culprit of the accident has not been found;
wait until the guilty party is found.

To speed up your search, you can check on your own whether there are cameras nearby that could record the insured event. However, only authorized traffic police officers will be able to request the recording. However, this must be done as quickly as possible, since most records are stored on the server for no more than 3 days.

Where to write an application for payment

An application for payment of compensation can be written at the office where the form was issued or you can visit the company of the guilty party.

In this case, only the owner of the car or another person can write an application on the basis of a notarized power of attorney. You must have a complete package of documents with you.

Important! A number of companies accept applications remotely: by phone or on the main portal. To do this, you must send all documentation by mail (high-quality photographs). Today Tinkoff is accepting appeals remotely.

List of documents with samples for receiving payment

When making a visit to the office of the insurance company, you must present a complete list of documents in advance. Be prepared to present:

Original OSAGO form. If the contract form is lost, you should initially contact your insurance representative to restore a duplicate.
Passport of the owner of the car or other person, which is valid on the basis of a notarized power of attorney.
The original form of the notarized power of attorney, if another person is in charge of receiving the payment.
Certificate from the traffic police.
A document to the hospital confirming the damage caused.
Application for receiving money.

As for the application, in practice it is issued by the insurance company. It will need to write:

personal and passport information;
car characteristics;
the nature of the injuries received;
date and place of the insured event;
details of the guilty party;
insurance policy information of both the victim and the perpetrator.

For convenience, you can download a sample application on our insurance portal.

What are the payment limits?

Every car owner must know that insurance compensation limits are established for auto liability. In this case, the maximum limit is provided for each victim.

Each victim is entitled to:

no more than 400 thousand rubles, if the damage was caused directly to the vehicle;
no more than 500 thousand rubles if the driver, passengers or pedestrians were injured during an accident.

In the first case, the amount of damage is determined very simply. The party injured in the accident provides the car to an employee of the financial institution for the purpose of conducting an inspection and recording damage. A number of companies do not do the assessment themselves, but send it to an independent expert.

As for health, a special table of payments for compulsory motor liability insurance has been approved at the legislative level, which specifies fixed amounts of compensation, depending on the nature of the injuries received.

all motorists to download the table on our portal and carefully study the amount of possible payments. If necessary, you can always ask a question to our specialist, who works on the site around the clock.

Deadline for submitting documents

Compensation is paid to the victim of an accident if the motorist contacts the insurer's office within the time limits established by law and submits a complete package of documents.

If the accident is recorded according to the European protocol, then you must write a statement within 5 days from the moment the event occurred. Otherwise, the organization will refuse to transfer money legally.

If a passenger is killed or injured as a result of an accident, traffic police officers are called in and draw up an official report. You can apply for payment within 3 years from the date of registration. This period is considered the limitation period. However, experienced experts advise not to delay and visit the insurer’s office as soon as possible. This will allow you to receive payment and repair the car.

Payment term

As for the timing of payment of compensation, they are the same in all companies. It doesn’t matter where you apply for payment, your company or the culprit, the organization is obliged to make transfers within 20 days. The report date starts from the date of submission of the last document.

If the case is resolved in court, the time frame may be extended to several months (to be decided individually).

Where to complain to the insurance company if they refuse to pay

Often, insurance companies refuse to pay, whether legally or not. They can legally refuse if:

documents were filled out incorrectly in case of an accident;
the culprit does not have a policy;
the conditions for submitting documents have been violated.

If you are sure that the organization made the refusal illegally, then you should defend your rights and file a complaint with the appropriate authorities.

In order to leave a request to the RSA, you must visit the official portal. The “Contact the RSA” section contains all the necessary information: where and how to send a complaint.

Every car enthusiast can write a request. If possible, please attach a scan of the refusal. As practice shows, all requests are processed as quickly as possible, within 5-7 business days.

Rospotrebnadzor

As for filing a complaint with Rospotrebnadzor, it is submitted in person, in the region where you are located. The document is drawn up in free form. All you need to indicate:

personal and passport information of the injured party;
vehicle information;
where and when the accident occurred;
outcome of the case;
reason for refusal.

The following should be attached to the application:

personal passport;
document for the car;
a copy of the protocol, if available;
refusal from the insurance company.

You can also send an appeal to the Central Bank of the Russian Federation. You can submit an appeal either remotely, on the official portal, or in person. As for the processing time, in most cases they do not exceed 7 days.

Features of compensation under the European protocol

Under the compulsory motor liability insurance agreement, each victim not only has the right to compensation, but also to fix the loss according to the European protocol. This saves significant time, since you do not need to call traffic police officers or pay for the services of an emergency commissioner.

A case can be recorded according to the protocol only if:

there were no injuries in the road accident;
only two cars are involved;
the amount of damage does not exceed 100 thousand rubles.

Attention! As for the amount of damage, a maximum limit of 400 thousand rubles has been established for motorists in Moscow and St. Petersburg. Within the specified limit, you can independently record the event by drawing up a notice of a traffic accident and contact the insurer for payment.

In conclusion, it can be noted that each victim is entitled to a payment under compulsory motor liability insurance. In this case, you can apply for compensation either to your company or to the culprit. To receive money you must have a complete package of documents.

If you received a payment under compulsory motor liability insurance, then please share your experience and tell other readers of our portal how to quickly receive compensation. All you need to do is write in the “Add a comment” section.

Additionally, we offer all readers the help of our expert, who will provide an answer to any question regarding insurance as quickly as possible.

The payment under compulsory motor liability insurance if the culprit of the accident fled is discussed in more detail below.

Actions after registering a traffic accident

Any driver should know the procedure after reporting an accident, regardless of his experience and confidence. On the road, everyone is at risk of getting into an accident, and the receipt of insurance compensation depends on the correct actions of the driver, whether he is injured or the culprit.

What should the person at fault do after the accident has been registered?

The actions of the culprit after registration of an accident will differ slightly depending on whether the driver has a CASCO policy in addition to compulsory motor liability insurance or only the second one.

If the culprit of a traffic accident has only a compulsory motor liability insurance policy, the procedure will be as follows:

take a video or photo of the accident in the presence of the victim: the damage to the cars after the accident, their position and everything related to the incident should be visible;
it is necessary to write down the contact and passport details of the victim (i.e. the owner of the car), if there are witnesses, their data is also needed during registration;
it is necessary to exchange data on MTPL policies; if the victim has CASCO insurance, then his number, etc. should also be written down;
Next, both participants in the accident need to issue a notification about the traffic accident, and the person responsible for the accident needs to make sure that the victim signs the notification;
the culprit needs to find out when the case of an accident will be considered, if it is considered on the spot by police officers, then take part, and if you disagree with the decision, write “disagree” under your own signature and state your version of what happened (any result of the consideration of the case can be challenged within 10 days after registration of a traffic accident) ;
Next, you need to obtain a protocol of an administrative violation, a certificate of an accident and a resolution on an administrative violation; on each of the documents you should immediately check whether they are filled out correctly and whether all signatures are in place;
You cannot promise the victim compensation for harm, in any form - neither verbally, nor in writing, nor directly or indirectly;
the person at fault for the accident needs to monitor how the process of collecting and submitting the victim’s documents to insurers is progressing;
It is necessary to separately photograph all the damage to the culprit’s car, since disagreements between the parties are likely after the accident is registered;
there is no need to refuse to inspect the victim’s car, you should do it carefully and, in case of disagreement with the experts, write all comments in the report.

The victim may personally demand compensation from the culprit to compensate for the damage to one degree or another. In this case, you should invite him to go to court, but not satisfy his demands.

If the culprit of a road accident, in addition to the MTPL policy, has CASCO insurance, then, in addition to the above, you need to do the following:

strictly follow the rules and deadlines specified in the CASCO agreement;
write an application for insurance payment under the policy, and after its acceptance and registration, make a copy with the date of acceptance and signature of the employee;
find out the insurance case number, which will help you receive information about its settlement in the future;
obtain a referral from insurers to inspect the car and present it on the specified date;
make copies of all documents that must be presented to insurers, or better yet, obtain from the employee a list of accepted papers with his signature.

If there was no payment under CASCO after the accident was registered, or it does not cover repairs, you should go to court, and also file a complaint with the insurance supervision.

What should a victim do after registering a traffic accident?

First of all, after registering an accident, the victim needs to call the insurers of the culprit so that they register the insured event. It is necessary to tell everything that is known about the accident and, if necessary, answer questions.

No later than 5 days after registration, the victim should come to the insurers to write a statement. Employees may offer to inspect the car, you must agree to this, and in case of significant damage, invite your expert. During the inspection and when drawing up the report, the culprit must be present: this will be necessary if you have to go to court regarding payment.

Each document presented to the insurers must be copied for yourself, and so that the marks of acceptance are visible. Be sure to take into account the date of acceptance on the last document, since it begins the countdown of the 20 days during which the payment must be made. From the first day of delay, a penalty is charged.

The insurance payment may not cover the repairs, since the calculation of the amount is made based on the damage to the car indicated in the report and the approximate cost of repairing them. In this case, you need to accept the payment, repair the car, keeping the work orders, receipts and work acceptance certificates. And with these documents, contact the insurers of the person responsible for the accident.

If during repairs hidden defects from the consequences of an accident are discovered, which often happens, an additional inspection should be carried out by calling a representative of the insurance company and the person responsible for the accident.

If the victim of a traffic accident has CASCO insurance, then he will need:

What to do after filling out the European protocol?

A European protocol is drawn up after an accident, when the participants decide to resolve the incident among themselves, without the traffic police. They themselves determine who the culprit is, both have compulsory motor insurance and notices in their hands, there are no victims of the accident, and only both cars of the participants themselves are damaged.

When the damage to an innocent driver does not exceed 100,000 rubles, it is permissible to draw up a Europrotocol 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”.

After filling out the Europrotocol, both participants must deliver notices to their insurers no later than 5 days after the accident. This can be done by mail, but it’s better in person: come to the office, take a document confirming receipt of the form, which should have a stamp on it, and don’t forget to make a copy of the notice for yourself.

If the Europrotocol form is sent by mail, then this is done exclusively by registered mail with notification of receipt, and there must be a list of enclosed documents. Along with the letter, a copy of the accident notice must be sent to the insurer by fax. The inventory and notification of receipt of the letter should be kept.

After this, those involved in the accident must receive a letter requesting that their cars be sent for inspection. And no later than 5 days from the date of receipt of the letter, they need to do this. However, such a requirement is considered legal only if it is written; none of the participants is obliged to satisfy it orally.

Filling out the back side of the notice

Before you start filling out the notification yourself after registering an accident, you must take into account that:

It’s better to write with a ballpoint pen, because ink or gel pen will smear from the slightest moisture, but a pencil can be erased and forged;
both parties to the accident must fill out one notification form, and it does not matter which of them provides it.

Drivers fill out the back side themselves. Here you will need to provide additional information about the accident itself and the cars of the participants.

If there is not enough space on the form, you can add information on a blank sheet of paper, which you can then attach to the notice. In this case, you must make a note on the back that there is an application and indicate who compiled it.

If the driver has a video recording of the accident, this must be noted in the notice and a copy of the recording must be given to the insurers. It can be proof that a particular participant is right after a traffic accident.

Markings in cells should be made using a tick or cross. In columns where there is no information, you should put either a dash, or the Latin letter Z, or the word “no”.

Contacting an insurance company for compulsory motor liability insurance after registering an accident

To submit an application to the insurance company for compulsory motor liability insurance after registering a traffic accident, you must prepare the following package of documents:

certificate of accident, if it was not issued according to the European Protocol;
notification of an incident;
protocol of administrative violation;
paper on the ownership of the car;
resolution in a case of administrative violation;
driver's license or power of attorney for the car;
bank details;
OSAGO policy.

The driver may also need the following documents:

if there was an independent examination, its conclusion on the amount of damage will be required;
papers confirming payment for the work of an independent expert;
If the car has been towed, documents about evacuation and storage are needed.

When handing in papers, you must keep a copy of each for yourself. In addition, they must be accepted according to the inventory.

If disagreements arise between the insurer and the driver regarding the fulfillment of obligations, the driver can send a complaint to the insurance company. In this case, supporting documents must be attached to it. The complaint must be considered no later than 5 days after filing, and responded to within the same period. Without submitting a claim to the insurer and an executed document confirming this, the court will not consider the driver’s claim.

Receiving payment under compulsory motor liability insurance

If the accident is recognized as an insured event, after registering the accident, the victim will have the choice of either receiving payment in cash at the company's cash desk or into his bank account. If the compulsory motor liability insurance policy was issued after the introduction of the amendment to the law on compulsory civil insurance in April 2017, the driver will be offered to have the car repaired at the service center with which the insurers have an agreement.

After registering a traffic accident, the culprit does not receive payments; his car, trailer, cargo or equipment that was damaged in the accident is not repaired under compulsory motor liability insurance.

The maximum amounts of payments under compulsory motor liability insurance, according to the law, are as follows:

in case of property damage, the limit is RUR 400,000. to each victim;
in case of harm to health or life - 500,000 rubles. to every victim.

These limits are valid for each insured event, regardless of the number of accidents during the policy period and which insurance company the victim contacted.

Nuances of driver actions after registration of an accident

There are many nuances in the correct algorithm of actions for each case of registration of an accident, and sometimes even representatives of insurance companies themselves can give conflicting advice. It is impossible to take into account and list everything, but the most basic ones will be as follows:

be sure to fill out the back side of the notice under the Europrotocol legibly, preferably in block letters and without corrections or errors, because if filled out incorrectly, payment may be refused;
neither the victim nor the culprit should undertake car repairs themselves until 15 days have passed from the date of the accident, excluding weekends and holidays - this period is needed so that insurers can inspect the car;
Once the notice forms are signed and separated, no corrections can be made to them;
if the victim has received a referral from the insurer to repair the car, he cannot choose a service station himself, and cannot control the progress of the repair;
if the victim receives monetary compensation under compulsory motor liability insurance, he should not start repairing the car until he receives the payment, because if it is delayed and he has to go to court, another technical inspection may be required.

And, in addition, the culprit of the accident must remember that the statute of limitations in these cases is 3 years, during which he must store all materials after the accident has been registered.