Correct execution of a European accident report

Registration of an accident according to the European Protocol - sample filling and rules

Notification of an accident or, as it is often called, the European protocol has become an indispensable assistant in minor accidents. But unfortunately, not all drivers want to use it due to the fact that they do not know how to fill it out correctly. This is exactly what we will talk about today in our article.

A sample of the Europrotocol in case of an accident in 2019

The notification of an accident consists of two forms for one-time completion in relation to both drivers involved in an accident, as well as instructions on how to fill out the Euro Protocol for an accident in 2019. For each side (the culprit and the victim), there are 18 points to fill out on the front side. You should enter the data with a ballpoint pen and apply pressure, since the top page is self-copying. On the back of the form there are 7 more points, which each driver fills out independently.

So, the basic rules and procedure for drawing up the Euro Protocol in case of an accident consist of the following points:

First, you need to assess the situation regarding harm to life and health of road users (pedestrians, passengers and drivers). People should not have any injuries;

The accident was caused by the interaction of two vehicles (collision while moving or collision due to sudden braking of the vehicle in front);

Damage was caused exclusively to vehicles (fences, buildings and other property were not damaged);

The liability of persons who participated in an accident is insured under the MTPL or Green Card system;

Drivers have no disagreement regarding damage.

If all these rules are followed, then you can move on to the question of how to independently draw up and fill out the Euro Protocol in case of an accident.

In the first paragraph, we indicate the location of the accident with the exact address, starting from the republic and region, ending with the street and house number. If you don’t know the exact address, you can ask people passing by or look at the navigator.

Point two asks you to indicate the date of the accident and the exact time.

In the third paragraph, we indicate with a number the number of damaged cars.

The next paragraph indicates the number of victims (injured) and/or dead.

In the fifth paragraph, we note whether an examination for alcohol intoxication was carried out or not.

Next, we note whether damage was caused to other vehicles and whether any other property was damaged.

In the seventh paragraph we indicate witnesses to the accident (full name and place of residence). If they are absent, then we write “No witnesses.”

In paragraph 8, we note whether the scene of the accident was registered by a traffic police officer, and if so, then indicate the number of his badge.

In paragraphs 9 to 15, each driver must fill out the item regarding their vehicle, and it does not matter who chooses columns “A” and “B”.

So, in paragraph 9 we indicate the make and model of the vehicle, as well as the identification number (VIN), state registration plate and STS data.

Next, indicate the full name of the owner of the car and his address. If this is a legal entity, then its full name.

In paragraph 11, we indicate the details of the vehicle driver: full name, date of birth, residence address, telephone number, series and number of the driver's license, open categories, date of issue of the driver's license, document for the right to own (use, dispose of) the vehicle.

In the next paragraph, we indicate the name of the insurer, the series and number of the insurance policy, its validity period, and also indicate whether the vehicle is insured against damage.

Next, we indicate with an arrow (→) the place of the initial impact in relation to the affected vehicles, and not the parts that are damaged. Choose the vehicle you were using at the time of the impact.

In paragraph 14, the nature of damage to parts and assemblies should be described as accurately and briefly as possible. When describing damage, the following characteristics should be used: scratch, dent (deformation), rupture (crack).

In the next paragraph we indicate the additions that you could not indicate in the next paragraph. Also, if you think that the second driver is indicating inaccurate circumstances or simply refuses to sign the notice on his part, then this information should also be indicated here.

In paragraph 16, we note the circumstances of the accident in relation to each vehicle and indicate in numbers at the very bottom the total number of points marked. It is very important to correctly note the vehicle's maneuvers. Parking is not a stop, therefore, if you are stopped at a traffic light, then mark not position 1, but position 22. When overtaking while changing lanes from one lane to another, you should mark two points at once - 12 and 13.

The next step is to draw a diagram of the accident. This is probably why many people don’t take on the task of filing an accident on their own. You have a window in which you should indicate the name of the streets, the trajectory of the vehicles, the position of the vehicle during the collision, and of course their location. Do not forget to indicate the presence of traffic lights, road signs, road markings, and, if possible, signs of braking, skidding, fragments, debris, dirt, etc. Examples of diagramming:

In paragraph 18, the drivers of both parties sign, thereby confirming that they have no disagreements.

The front side is filled out with the driver at the scene of the accident. The back part can be filled out in the near future, but it is still advisable to do this also at the scene of the accident.

In paragraph 1, mark the vehicle “A” or “B” in accordance with the column that you selected on the front side of the notice.

In paragraph 2, he describes in detail the circumstances of the accident, indicating the address of the accident, vehicle model and license plate numbers. The more accurate the information, the easier it will be for insurers to understand the situation.

In paragraph 3, we note who was driving - the owner or another person.

Further information is provided only if more than 2 vehicles were involved in the accident. Enter the make, model of the vehicle, state registration. number, full name of the driver and owner of the vehicle, address, telephone number, insurance company name, series and policy number, as well as all other similar information in accordance with paragraphs 1 - 18 on the front side of the form.

If other property besides the vehicle was damaged, then paragraph 5 indicates what kind of property was damaged and who owns it.

In the next section, we note whether the vehicle can move under its own power, and if not, indicate its location.

In paragraph 7 we indicate additional notes that you consider necessary.

Next, indicate the date, put a signature, next to your surname and initials.

If you do not have enough space on the back side to indicate all the information, then you can do this on a blank sheet of paper, where it will be indicated what it is attached to, by whom it was drawn up and certified with your signature, and for legal entities with a seal, and on the back side notifications, check the box “With attachment”.

To roughly understand what we have just told you about, we present to your attention an example of how to correctly draw up a European Road Accident Protocol:

You can also find out how to file a minor accident without calling the traffic police in 2019 by watching the video.

Questions - answers

Of course, it is possible if the uniform rules that we indicated above are taken into account.

We assess the situation and identify the presence of victims;

Call an ambulance if there are wounded;

One form must be filled out for two drivers;

If you are a victim, then fill out an application to the insurance company for payments and, together with the notice, submit it to the insurance company within 5 days. If you are the at-fault party, take your form to the insurance company;

You wait for your application to be reviewed, your car to be inspected, and you receive payments.

Yes, this option is possible. After a collision, you can call the appropriate company and ask to send an emergency commissioner to the scene of the accident, who will conduct an inspection and determine the nature, causes and extent of the damage incurred. He will take photos and videos and help draw up a notification about an accident.

The Europrotocol is filled out immediately after the accident at the scene of the accident by the drivers of the vehicles with which the collision occurred.

How to fill out an accident report correctly?

The legislation of the Russian Federation provides for the possibility of registering an accident without calling the police using the so-called “European protocol”, when both participants fill out a notice of a traffic accident and sign it. We will now tell you how to do this correctly in order to get insurance.

Conditions for using the European protocol

In accordance with paragraph 5 of Art. 11, paragraph 1, art. 11.1 Federal Law “On Compulsory Motor Liability Insurance”; Clause 2.6.1 of the Traffic Regulations of the Russian Federation, independent registration of an accident in 2019 is possible only if the following conditions are simultaneously met:

as a result of the accident, damage was caused only to the vehicles involved in the accident (no harm was caused to life or health);
The accident occurred as a result of a collision between two vehicles (including vehicles with trailers), the civil liability of the owners of which is insured under the MTPL policy;
the circumstances of harm in connection with damage to property as a result of an accident and (or) the nature and list of visible damage to cars do not cause disagreement among the participants in the accident.

According to paragraph 4 of Art. 11.1 of the Federal Law “On Compulsory Motor Liability Insurance”, when processing documents about an accident without the participation of traffic police officers, the amount of insurance compensation due to the victim for compensation for damage caused to his car cannot exceed 50,000 rubles. The victim must understand that the insurance company will only pay this amount, even if the actual damage is greater.

In accordance with clause 2.6.1 of the Traffic Regulations of the Russian Federation, participants in an accident have the right not to draw up documents about the incident if the accident damaged the vehicles or other property of only these participants and each of them does not need to draw up these documents.

The procedure for registering an accident according to the European protocol

Pull yourself together and follow these steps sequentially:

Inspect the scene of the accident together with the second participant in the accident (the driver of the second car). Find out if you disagree about who is the perpetrator and who is the victim. If there is no disagreement, then proceed to step 2. Otherwise, call the traffic police.
Inspect vehicle damage. If the damage to the victim’s car, according to a rough estimate, does not exceed 50,000 rubles, we follow the instructions further. If the damage is more than the specified amount, it is worth filing an accident only with the participation of the police.
Carefully check your documents – driver’s license, car documents. Both drivers must have valid MTPL policies and be included in them (if the number of drivers allowed to drive a vehicle is limited). Problems with documents - without hesitation, we call and wait for inspectors. Yes, according to the “MTPL rules”, communication of insurance policy data to other participants in an accident at their request is the responsibility of the driver. We strongly recommend checking the policy of the culprit on the RSA website - https://dkbm-web.autoins.ru/dkbm-web-1.0/bsostate.htm
Record all the circumstances of the accident - the location of the cars, damage, markings, road signs, etc.
This can be very useful when controversial situations arise. Recording of harm can be carried out using photography or video recording or using navigation tools. A smartphone with geolocation mode enabled is suitable. In your phone's camera settings, enable adding coordinates to photos and/or videos. In accordance with clause 3 of the Rules for the provision of information about a traffic accident to the insurer, approved by Decree of the Government of the Russian Federation of October 1, 2014 N 1002, photo or video filming must be taken within no more than 60 minutes after the accident and include images of:
• state registration plates vehicles involved in an accident or identification numbers (VIN) (in the absence of state registration plates of vehicles);
• places of damage to the vehicle;
• relative position of vehicles involved in road accidents with reference to transport infrastructure objects or other non-movable objects;
• state registration plate of the vehicle of the witness of the accident (if available).
Remove vehicles from the roadway. According to clause 2.6.1 of the Traffic Regulations of the Russian Federation, a driver involved in an accident is obliged to clear the roadway if an obstacle is created to the movement of other vehicles. Failure to fulfill this obligation may result in a fine (1000 rubles).
Fill out the European protocol form together - notification of an accident. Read detailed instructions below.
Exchange phone numbers, shake hands and you can leave the scene of the accident.
Notify the insurance company of the incident as soon as possible. This can be done by phone or through the insurer's website.

Instructions for filling out an accident report

The notification form is filled out in two copies - one for each driver. It is highly advisable to use a ballpoint pen, since when filling out the information is copied onto the sheet below. The ink color can be any - blue or black.

Filling out the front side

This side must be identical on both copies of the notice. Let's start from points 1 - 8:

clause 1 Place of the accident - indicate the locality, street and number of the nearest house. If the collision occurred at an intersection, the intersection of streets is noted on the form. In the event of an accident on the highway, you must indicate its number and name, direction of travel and approximate kilometer.

clause 2 Date of accident - fill in the date and time of the incident. If there is a video recorder, the exact time of the collision can be viewed there. If there is no record, we write the approximate time.

clause 3 Number of damaged vehicles = 2. Registration of a European protocol is possible only in the event of a collision between two vehicles.

clause 4 Number of wounded = 0. The European protocol cannot be drawn up if there are wounded or dead. If there are victims, you must call traffic police inspectors.

p.5 Was the participants in the accident examined for intoxication - “No”. Only police officers can send you for a medical examination.

clause 6 Material damage caused to other vehicles (except “A” and “B”) - “No”. This will be further evidence that only two vehicles were involved in the accident. If items being transported in the car (for example, a laptop) were damaged, be sure to check the “other property” box.

clause 7 Witnesses of an accident - enter the names and addresses of the witnesses. It is advisable to indicate the contacts of one or two witnesses to the accident; this will help in case of disputes with the insurance company.

Clause 8 Was the registration carried out by a traffic police officer - “No”. Independent registration of an incident is the essence of the European protocol.

Having filled out the “header” of the notice, we proceed to filling out information about the cars:

p.9 Make, model, VIN and state number. We take the number for vehicles “A” and “B” from the corresponding registration certificates (plastic card).

clauses 10-11 We indicate the details of car owners and drivers. You need to understand that the driver of the vehicle does not have to be its owner. The insurance company will compensate for damage not only to the owner, but also to the person who has a power of attorney with the right to receive insurance compensation.

clause 12 We take data from MTPL insurance policies. We check the box next to “The vehicle is insured against damage” only if the vehicle is insured under CASCO.

item 13 We mark the place of the initial impact with an arrow.

p.14 We write down visible damage. For example: the rear bumper burst, the rear left fender, the rear door are deformed, the rear lights are broken, etc.

paragraph 15 Notes. In this paragraph, the culprit of the accident MUST write: “I admit guilt in the accident,” and the victim “is not guilty of the accident.”

Having filled out paragraphs 9 - 15, we move on to the central part of the notification form. Here you need to check the boxes next to the circumstances of the accident (each car has its own) and draw a diagram:

Try to reflect on the diagram the profile of the road, markings, signs, the position of the cars before and after the accident, and the direction of movement. There are no special requirements for the drawing, the diagram just needs to be understandable.

Don't forget to sign in the appropriate fields at the bottom of the document.

Filling the reverse side

First, separate the original and the copy of the notice (a copy is created automatically on the second sheet of the notice). The victim usually takes the original, since everything is more clearly visible on it.

If the front side must be identical on both copies, then on the back side each participant fills out the information regarding their vehicle by marking “A” or “B”. As you noticed, there are fewer points here.

In paragraph 2, in your own words, you need to briefly describe the circumstances of what happened.

In paragraph 3, we simply note who was driving - the owner of the car or a third-party driver.

In paragraph 4 you need to write again “only two vehicles were involved in the accident.”

In paragraph 5 we write what property other than the car was damaged.

In paragraph 6, check the box to see if the car can move under its own power.

In paragraph 7 (notes) we indicate whether photo or video shooting was carried out on site and with what device.

All. Through joint efforts, the document was successfully completed. Once again, pay attention to the important points:

Click on the image to view a completed sample notice:

As you can see, the rules for filling out the European protocol are quite simple.

What to do after filling out the European protocol?

So, the document is completely filled out and signed by both drivers - there are no mutual claims, which means you can continue driving. But the rights and obligations associated with an accident do not stop there. According to current legislation, both the victim and the culprit must submit notices to their insurance companies within 5 days. The culprit must also be ready to show his car to the insurer, otherwise the insurer has the right to make recourse claims. We wrote more about this, as well as about the risks that arise when drawing up a European protocol, here. We strongly recommend reading it!

In addition to a copy of the accident notification form filled out by the drivers, the victim, in accordance with paragraph 2 of Art.
11 of the Federal Law “On Compulsory Motor Liability Liability Liability Insurance” and clause 2 of the compulsory motor liability insurance rules, approved by Decree of the Government of the Russian Federation of October 1, 2014 N 1002, within five working days from the date of the accident, the following documents and materials must be submitted to the insurer that insured its civil liability: • an application for direct compensation for losses;
• electronic media with information containing photo or video filming of vehicles and their damage at the scene of an accident, the date and time of photo or video filming, as well as the coordinates of the location of the technical control device;
• a statement that the information containing photographs or videos is uncorrected.

Rules for drawing up the Euro Protocol for road accidents in 2019 - step-by-step instructions for filling out

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Insufficient legal literacy primarily harms the motorists themselves. For example, not all road users know what the European Road Accident Protocol is and how to complete it. However, this information is considered extremely important. After all, preparing documents on your own regarding an accident significantly shortens the litigation process.

Moreover, according to experts, in the future the number of drivers who want to communicate directly with the insurance company will only grow. And although some of our fellow citizens already know in what cases the European Protocol is drawn up in case of an accident, filling out the form itself still raises many questions. This article will give comprehensive answers to them.

How to download the Europrotocol form for free

There is no concept of the Europrotocol in Russian legislation. The word is borrowed from European practice, where drivers report accidents without involving the police in 80% of cases. In Russia, the Europrotocol refers to both the procedure for independently filling out papers by participants in an accident, and the official document that records the circumstances of the incident - Notification of an accident.

Since many car owners are looking for information about where to get a form and example of the Euro Protocol for recording an accident in 2019, we have provided all the necessary information in this review, including the documents themselves.

The new form of the Europrotocol was introduced by the Bank of Russia on October 20, 2017. It is valid for all MTPL contracts concluded after the specified date. You can distinguish the new form by the entries in the upper right corner:

Appendix 2 to Bank of Russia Instructions No. 4192-U dated November 14, 2016...
Appendix 5 to Bank of Russia Regulations No. 431-P dated September 19, 2014...

Previous forms of Notification of Road Accidents were approved by the Ministry of Internal Affairs of the Russian Federation. You can download the current Euro Protocol form from the link below.

Download the Europrotocol form

Drivers who have issued an MTPL policy before October 20, 2017, for the duration of its validity, can use the forms issued by the insurance company at the conclusion of the contract - the form approved by Order of the Ministry of Internal Affairs of the Russian Federation No. 155 of 04/01/11. The inscription in the upper right corner should refer to the corresponding document.

The forms are practically no different, and it is most logical to consider how the European Protocol is drawn up in case of an accident using the example of the new form of Notification.

How to correctly draw up a Euro protocol in case of an accident without calling the traffic police

A notification of an accident is filled out for any accident where damage is caused:

property of other individuals or legal entities;
life and health of people, including vehicle passengers.

Registration according to the European protocol is possible:

if 2 cars were involved in the accident;
no casualties;
both drivers are insured under MTPL;
damage was caused only to participating cars;
there are no disagreements between the participants regarding the circumstances of the accident and the damage caused;
the amount of damage is no more than 50,000 rubles (within the pilot project for residents of Moscow, St. Petersburg, the Moscow and Leningrad regions - no more than 400,000 rubles, provided that the accident is recorded on devices that support GLONASS).

If all criteria are met, drivers can begin filling out the Europrotocol.

Procedure for filling out the Notification of an accident in 2019

The notification of an accident consists of three sheets - two forms for participants and Instructions for filling out the document. The front part of the second form is self-copying. When filling out the first copy of the Europrotocol, the information is printed on the second. If the document was downloaded from the Internet, you will need to fill out both copies manually.

Here are the basic rules that dictate how a motorist can independently draw up a European protocol without the traffic police in order to obtain insurance:

You must enter information into the fields of the document with a ballpoint pen so that a clear imprint remains on the second sheet.
Write legibly, preferably in block letters.
It is mandatory to complete both pages of the form for each driver.
All corrections must be certified by signatures.

To register an accident under the European Protocol, only one set of Notices is used. It doesn't matter which driver introduces him.

Step-by-step instructions for filling out the Europrotocol

Drivers complete the personal form of Notification of an Road Accident together at the scene of the accident in order to avoid contradictions about the circumstances of the incident. If there are corrections in this part of the document, they must be certified by the signatures of both drivers. There are 18 points on the front side of the protocol.

Paragraph 1 . The scene of the accident. The address where the collision occurred is indicated - city, street, nearest house. For example: mountains. Moscow, st. Sholokhova, 18. If the accident occurred at an intersection, the intersection of streets is indicated. In case of a collision outside a populated area, the name of the route, kilometer and direction are entered into the protocol. Example: E95 154 km, direction - from St. Petersburg to Moscow.

Point 2 . The date of the accident is entered in the format: DD.MM.YYYY HH:MM, where HH:MM is the time of the incident.

The following paragraphs of the Road Accident Notice must be completed in accordance with the criteria of the Euro Protocol. If there is a discrepancy, you must call the police.

Point 3 . The number of damaged vehicles is 2.

Point 4 . Number of wounded and dead (clause 4) - dashes or zeros are added.

Points 5 and 6 . “No” checkboxes are placed in the paragraph on conducting an examination for intoxication (clause 5), as well as sections on material damage to other vehicles and other property (clause 6).

Point 7 . Witnesses of the incident are indicated - full name, address, telephone number, if available. If the witnesses are passengers from the participant's vehicle, their names should be underlined for clarification. In case of absence, the inscription “no witnesses” is placed.

Clause 8 . Check “No” in the “Registration by traffic police officers” field.

paragraphs 9 to 17 each for their own vehicle. For vehicle “A” - the right column, vehicle “B” - the left one. For points 9–12, information is taken from the following documents:

vehicle certificates;
driver's license;
powers of attorney (if any);
insurance policy.

We advise you to check the information with the specified documents of the other driver before signing. The MTPL policy can be checked on the RSA website online.

Clause 13 . Location of initial impact. You need to select a vehicle that corresponds to the participant’s vehicle (truck, passenger car, motorcycle), and indicate with an arrow where the first blow occurred.

Clause 14 . Nature and list of damage. The nature of the damage and the parts on which they occurred are described. When describing the nature of the damage, the words used are scratch, dent (deformation), rupture (crack). A complete list of visible external damage should be compiled. Otherwise, the insurer may decide that the unspecified damage occurred under other circumstances. An examination will establish internal damage.

Clause 15 . Notes. Here you can add circumstances of the accident not specified in paragraph 16 of the protocol. The drivers’ signatures are also placed here, certifying the correctness of their data on the front side of the protocol.

Clause 16 . Circumstances of the accident. To be entered separately for each vehicle. The driver of vehicle “A” fills in the right column, the driver of vehicle “B” fills in the left column. Each participant must carefully read the maneuver options and mark the items that correspond to their behavior on the road. At the end, the number of selected items is indicated.

Clause 17 . Road accident diagram. The plan needs to show the location of the collision and the position of the cars relative to each other and road infrastructure. Street names are marked. It is important to mark all the objects that prove the guilt or innocence of drivers - the direction of travel, road signs, markings.

Clause 18 . Signatures of drivers certifying that there are no disagreements regarding clauses 14, 15, 16, 17. After filling out this clause, unilateral changes to the front side of the protocol are not allowed.

The reverse side of the Europrotocol supplements the information on the incident. Each driver fills it out independently at the earliest convenient time and signs it individually. There are 7 points on the reverse side.

Paragraph 1 . A check mark indicates which vehicle driver, “A” or “B,” fills out the second part of the Accident Notice.

Point 2 . Circumstances of the accident. This paragraph describes vehicle maneuvers and driver actions before, during and after an accident. Typically, many drivers still do not know how to fill out the circumstances of an accident. Everything here is extremely simple - you need to write briefly and to the point, reflecting all the significant facts of the incident:

date;
time;
the scene of the incident;
direction of movement;
approximate vehicle speed;
what actions and maneuvers the drivers performed.

Point 3 . The vehicle was under the control of the owner or another person - tick the box that corresponds to the circumstances.

Point 4-5 . Involvement of more than two vehicles (clause 4) and damage caused to other property (clause 5). According to the European Protocol, dashes are placed in all fields.

Point 6 . Can the vehicle move under its own power? Select “Yes” or “No” with a tick.

Point 7 . Note. In this section, you can write other important information not specified in other paragraphs, for example, information about recording the incident with a video recorder.

For a clearer and more complete perception of the information, we recommend downloading a sample of filling out the Europrotocol.

Download a sample of filling out the Europrotocol

You can even try to fill out the form yourself using the instructions described above - the skills acquired through such training will not be superfluous.

How to fill out CASCO insurance

Motorists who are insured under CASCO are traditionally interested in the standard question: is it possible to contact an insurance company under the European Protocol and receive compensation. Such drivers should not doubt it, since this entire registration system was implemented for these purposes. The corresponding Instructions of the Central Bank of the Russian Federation were published on October 1, 2014 in the Bulletin of the Bank of Russia. The procedure for filling out the Notification of an Road Accident is identical to the compulsory motor liability insurance policy.

What to do after drawing up the document

Both participants must submit documents regarding an accident registered without the traffic police to the insurance company. The culprit has 5 working days to do this, the victim has 15 calendar days, minus weekends and holidays. The agreement between the policyholder and the insurer may provide for other notification periods for the at-fault driver.

However, it should be borne in mind that the insurance company itself determines who is to blame for the accident, and its opinion may differ from the decision of the participating drivers. Therefore, we recommend that you contact your insurer as quickly as possible.

The European Protocol regulation allows the injured party to demand compensation for damage both from its insurance company and from the company of the person responsible for the accident. The one who provoked the accident provides the materials to his insurer, and many in this situation are concerned about what will happen to the culprit of the accident if the European Protocol is drawn up incorrectly.

Such worries are justified - incorrect preparation of documents can result in the insurance company refusing to pay the insurance compensation. In this case, the injured driver can file a lawsuit against the culprit. In addition to paying for damages from the accident, the defendant faces legal costs. The insurer's decision can be challenged in court.

How to register an accident according to the European protocol

1. In what cases can an accident be registered under the European protocol?

You can register a minor traffic accident in a simplified manner - Europrotocol (European protocol) - this is the preparation of documents about a road accident without the participation of authorized police officers. In other words, this is an opportunity to independently record the fact of a road traffic accident (RTA) in order to subsequently contact the insurance company for compensation, and promptly leave without creating congestion on the road.

“>according to the European protocol, if the conditions are met:

there are no victims in the accident;
only two vehicles are involved in an accident;
Only the cars involved in the accident were damaged;
both you and the second driver are included in the current OSAGO policies or an international policy. An analogue of OSAGO, valid in 48 countries of the world.

“>“Green Card” issued for vehicles involved in an accident;

according to a preliminary assessment, the damage caused to the vehicle does not exceed the maximum amount of insurance payment;

you and the second driver agree to file an accident without calling the traffic police and sign a European protocol.

If you are not sure about the circumstances of the accident, the assessment of the damage caused, or the constructive attitude of the second party to the accident, then file the accident in the usual manner.

2. What will the insurance company reimburse if an accident is registered under the European protocol?

In case of registration of an accident according to the European protocol, the insurance company compensates for damage in the amount of:

up to 100 thousand rubles - this is the standard limit of payments when registering an accident under the European protocol, if the accident is not recorded using technical means* or is recorded, but the participants in the accident have disagreements;
up to 400 thousand rubles is the maximum limit of payments when registering an accident according to the European protocol, if the participants in the accident have no disagreements about the circumstances of the incident, and the accident was recorded using technical means*.

The limits and conditions of insurance compensation established by law apply both under MTPL and comprehensive insurance agreements.

Losses are compensated regardless of the number of accidents during the validity period of the insurance policy.

Such means can be an emergency call device - "ERA-GLONASS" or a mobile application integrated with the portal of government services of the Russian Federation.

3. How to register an accident according to the European protocol?

1. Be sure to follow the traffic rules immediately after a collision - turn on the emergency lights and put up an emergency stop sign to warn other road users about the danger. The sign is installed at a distance of at least 15 meters from road accidents in populated areas and at least 30 meters outside them. Failure to comply with these requirements entails administrative punishment: a warning or a fine in the amount of 1000 rubles (Part 1 of Article 12.27 of the Code of Administrative Offenses of the Russian Federation). If an accident occurs outside the city, in the dark or in conditions of limited visibility, you need to be on the roadway or side of the road wearing a jacket, vest or cape vest with stripes of reflective material.

2. Talk to the second participant in the accident and show him your compulsory insurance policy, check the validity of his compulsory motor liability insurance policy.

3. Together with the other participant in the accident, notify your insurance companies about the accident in one of the following ways:

“>mobile applications (authorization of both participants in the accident on the portal will be required) - within 60 minutes after the accident ;

through the ERA-GLONASS emergency call device (if equipped in the car) - by pressing the SOS button within 10 minutes after the accident .

Note! These methods are suitable if the victim expects compensation for damage in the amount of up to 100 thousand rubles, but you and the second participant in the accident have disagreements about the circumstances of the accident, or if there are no disagreements and the victim expects insurance compensation of up to 400 thousand rubles.

If there is no disagreement, but it is impossible to report the accident using the above methods, the injured party has the right to count on compensation for damages in the amount of up to 100 thousand rubles. In this case, you can notify the insurance company about the accident by phone. Make sure the other person involved in the accident does the same.

4. If vehicles involved in an accident create obstacles to the movement of other vehicles, clear the roadway. Otherwise, you and the second participant in the accident face administrative punishment for violating traffic rules (clause 2.6 of the Russian Federation Traffic Regulations) - a fine of 1000 rubles (Article 12.27 of the Code of Administrative Offenses of the Russian Federation).

5. Together with the second participant in the accident, fill out the notification of the accident (Euro protocol) in a mobile application or in paper form. In the first case, enter the details of the accident in an electronic form, in the second - in a paper form.

4. How to fill out a paper European protocol?

Rules for filling out a European protocol (notification of an accident):

In the event of an accident involving two vehicles, one accident notice is issued. Who it belongs to - you or the second driver - does not matter;
an accident notification consists of two sheets, each of which must be filled out
An example of filling out the front side of the European protocol ;
example of filling out the reverse side of the European protocol

">on both sides. The front side is self-copying. Data (circumstances of the incident, information about the vehicle, insurance companies, accident diagram, etc.) must be entered into it together with the second participant in the accident;

It is necessary to fill in all the columns and fields on the front side. After filling out the sheets, you need to separate them and put down signatures confirming, among other things, that there are no disagreements between the drivers;

The reverse side of the accident notice is filled out by each driver independently. The original and the self-copy have the same legal force;

Use a ballpoint pen to fill out the accident notice with enough pressure to ensure a good copy quality. Notes made with a gel pen or pencil may become smeared or erased;

If you do not have enough space for notes on the accident notice, you can additionally fill out the application using a blank sheet of paper. On the notification of an accident, make a note “With attachment”, on an additional sheet - mark “Attachment”, indicate what this attachment is for and who made it. Applications must be signed by both drivers. The application is prepared in two copies;

if the accident notice is torn, damaged or difficult to read, you need to fill out a new one;

Please note that if, after signing and disconnecting the notification of an accident, it is necessary to make adjustments or additions to the document, they must be certified by the signatures of both participants in the accident;

Insurers are required to issue notifications about road accidents. If for some reason you don't have them, you can contact your insurance company for them. You can also download the notice from the page of the Department of Transport and Road Infrastructure Development (but in this case, the second sheet will not be self-copying, it will have to be filled out separately);

In new notifications about road accidents there is a field in which you need to mark the presence or absence of disagreements regarding the circumstances of the accident. If you have an older form, add this information in the notes box.

5. After registering an accident according to the European protocol, do I need to go to the nearest traffic police post?

To receive insurance compensation both under the MTPL agreement and under the comprehensive insurance agreement when registering an accident under the European protocol, neither you nor the second participant in the accident needs to contact the traffic police officers.

6. What to do after an accident has been registered?

It doesn’t matter whether you are the victim or the culprit of the accident, after registering the incident according to the European protocol, you must submit your copy of the accident notice to your insurance company within five days (in person or by e-mail - by agreement with the insurer).

If you plan to receive compensation from your insurance company, you will also need to submit an insurance claim statement.

The vehicle cannot be repaired or disposed of without the written consent of the insurance company until 15 calendar days have passed from the date of the accident (except for non-working holidays).

Independent examination of a car after an accident in Moscow

This is a service aimed at an objective independent assessment of vehicle damage with the drawing up of an expert opinion on the condition of the vehicle and its components.

The purpose of the examination is to determine the exact cost of damage received by the vehicle, the cost of the car itself, or to clarify the circumstances of the accident.

Automotive examination is performed by a qualified appraiser technician, who must have a specialized education. He must be included in the Register of the Ministry of Justice and be a member of a self-regulatory non-profit organization.

An independent examination of a car is drawn up in accordance with the requirements of regulatory documentation. It must indicate the method of assessment. It is also mandatory to provide a detailed calculation with links to sources of information and regulatory legislative acts.

What problems require a vehicle inspection?

A common problem is when the amount calculated by the insurance company for restoration repairs is not enough. The first reason: insurers underestimate the amount of damage because they are interested in reducing their costs. The second reason: the amount of damage exceeds the payment limit established by law for compulsory motor liability insurance of 400,000 rubles.

In both cases, before submitting written claims or going to court, it is necessary to conduct an independent examination after the accident. An independent expert will objectively calculate the cost of damage, and the result of the work will be a report that is accepted by all authorities.

Insurance companies have more than twenty legal grounds for refusing payment under compulsory motor liability insurance, from failure to provide victims with the necessary documents to damage during hostilities.

But there is a practice when insurers refuse payment unreasonably, hoping for inaction of the policyholder. In such cases, you can achieve payment; it will be enough to collect the necessary documents and contact the necessary institutions. Detailed instructions can be found on the Internet, there are a sufficient number of them.

To ensure that your arguments for compensation for damage are weighty, we advise you to have your car examined in case of an accident. If it is available, there is no question about the amount of damage to the car and the underestimated calculation by the insurer's experts.

In fact, after an accident, the insurance company must return the repaired car to you without additional payments. But in practice, there are situations when the service requires additional payment. They offer to install new original parts, do high-quality painting, etc. This is a voluntary matter and no one has the right to demand it from you. Since the repairs are organized by the insurance company, the service must work with them to solve problems with lack of money.

As a result, even if the service makes repairs, prepare for problems when operating the car. Often such repairs are of poor quality and done sparingly using cheap spare parts. Service stations go to various lengths to meet the amount calculated by the insurance company.

To achieve correction of repair deficiencies at the expense of the insurance company, it is necessary to conduct an examination of the quality of car repairs from independent experts.

Auto insurance under compulsory motor liability insurance has a limit on payments to victims of road accidents in terms of property damage of 400,000 rubles. Damage in excess of this amount will have to be recovered from the person at fault for the accident.

But for a positive outcome of the case, it is necessary to collect a full package of documents, including an independent expert assessment after the accident. Next, send a letter to the culprit of the accident demanding compensation for the missing difference to repair the car, and, in case of refusal, file a claim in court.

There are often cases when the person at fault for the accident does not have an insurance policy, it is expired, counterfeit, or the driver is not included in it. In such cases, insurance companies do not participate in compensation for damage in case of an accident.

If you find yourself in such a situation, it is necessary to assess the damage and conduct an independent assessment of the car. After issuing the examination report and collecting all the necessary copies of documents, you will face pre-trial proceedings or go to court.

According to the methodology of the Ministry of Justice, a victim of an accident can count on payment of loss of marketable value (LCV), but under certain conditions. Up-to-date information on the list of conditions can always be found on the official website of the Ministry of Justice.

Since insurance companies take advantage of the illiteracy of motorists and do not always include vehicle insurance in their calculations, there is a need to claim the unpaid amount. In such cases, an independent assessment of damage in an accident is carried out and claims are filed with the insurance company. This procedure will also be required if you demand compensation for damages from the culprit of the accident.

It often happens that car repairs under OSAGO or CASCO are performed poorly. And since the insurance company takes on all the troubles of repairing the damaged car, it is also responsible for the problems.

In such a situation, a claim is filed in the name of the insurer. But for a positive outcome of the proceedings, we advise you to first make an examination of the car repairs and attach it to the claim.

If you think that the amount of the claim against you as the culprit of the accident is too high, you can challenge this amount. To do this, you will need a qualified lawyer who will study the case materials and check whether there are any violations on the part of the insurance company or the plaintiff. It is also possible to reduce the amount of compensation if the plaintiff grossly violated the rules before the accident, for example, exceeded the speed limit.

In any case, to assess the exact amount of damage, you will need to conduct your own independent assessment of the car after the accident. And we recommend that the expert who conducted the examination be present at the trial, since the judge more often agrees with the examination whose expert is in the room.

After a tree falls on a car, in order to submit claims to the organization to which the territory belongs, it is necessary to conduct an independent assessment of the damage to the car.

The vehicle is assessed by expert technicians with the necessary permits and qualifications. The result of the work will be a report on the cost of damage.

Having decided on the culprit of the incident, a prerequisite is an independent auto examination, which records the amount of damage and the amount of restoration work. The expert also calculates the loss of marketable value.

After collecting all the documents, the procedure for claiming compensation for damage consists of filing a pre-trial claim, and, in case of refusal, filing a claim in court.

If your car is damaged due to falling into a hole on the road measuring more than 15x60x5 centimeters, in compliance with traffic rules, it is possible to file a claim against the culprit for this section of the road.

To make claims, you will need an independent technical examination of the car, documents from the traffic police about the accident, copies of documents for the car, driver's license and passport.