Independent registration of an accident without the traffic police

Registration of an accident without the traffic police

Good afternoon, dear reader.

This article discusses the independent registration of an accident without the traffic police , the possibility of which has been provided for by domestic legislation for quite a long time.

However, simplified registration of road accidents is used only by a small number of drivers, because many simply have no idea how to prepare documents.

This article will consider situations in which it is possible to register an accident under the European protocol in 2019, as well as the features of filling out a notification of a road accident.

Preparation of a notification about a traffic accident

In order to file an accident without the traffic police, you will need a notification of a traffic accident, which must be issued along with the MTPL policy. I suggest you check right now whether you have this document:

Naturally, the form you have must be blank.

Let's look at the features that will help you understand whether a notification of an accident is suitable for filing an incident yourself:

1. Check that all 3 sheets of the document are in place (notification, copy of notification, instructions for filling).

2. Check the condition of the second sheet (self-copying). The fact is that over time, the second sheet is exposed to high temperatures, moisture, etc. may become unusable.

3. Check if the form is valid . To do this, look at the top of the front side of the form. In a modern form, point number 2 is called “Date of the accident,” and point number 3 is called “Witnesses of the accident.” In the old version of the form (shown in the picture above), between fields 2 and 3 there were several more fields “Number of injured and killed”, “Was the participants in the accident examined for intoxication”, “Material damage caused to other vehicles and other property”. These fields should not be on the form. You can find out more about the new notification forms in the article “New form for notification of road accidents from November 10, 2019.”

If your form has become unusable or outdated, you should obtain a new document from your insurance company. The forms are issued free of charge and receiving them does not cause any problems.

Note. In 2019, legislation also allows for the execution of European protocols electronically using an application. This issue is discussed in a separate article.

Conditions for self-registration of an accident

You probably know that registering an accident without the participation of traffic police officers is not always possible. Let's look at the conditions under which this is possible (Article 11 1 of the Law “On Compulsory Motor Liability Insurance”):

The accident involved two cars;
damage was caused only to these vehicles (mechanical damage);
Each driver has a valid MTPL policy.

Starting from June 1, 2018, disagreements between participants regarding the circumstances of the accident and damage to vehicles are not an obstacle to independently filing an accident. However, if there are disagreements, it is necessary that at least one of the participants has a special RSA application for registering an accident, or at least one car has the ERA-GLONASS system (panic button) installed, which allows recording and transmitting information about an accident.

Please note that when registering an accident under the European protocol, the maximum payment from the insurance company will not exceed :

400,000 rubles if there are no disagreements between drivers;
100,000 rubles if there are disagreements between drivers.

This amount may not be enough to repair serious damage, so before you file an accident yourself, you need to make sure that there is enough money to repair the existing damage. To do this, you can call any auto repair shop (car service) and find out the approximate cost of repairs.

Let's look at a table that allows you to understand in what cases it is possible to prepare documents without the traffic police:

Naturally, to independently register, at least one of the participants in the accident must have a notification of a traffic accident or an application for electronic registration of a European protocol (from November 10, 2019). It is much better if each driver has a document. In this case, in case of an error, you can use another instance.

Self-registration of road accidents in 2020

From October 1, 2019, throughout Russia you can receive an insurance payment limited to the amount of 400,000 rubles .

However, additional conditions must be met for this to happen. Participants in an accident must provide the insurer with data recorded in one of the following ways:

Using a special application of the Union of Auto Insurers;
Using ERA-GLONASS installed on the vehicle.

Also, the participants should not have disagreements regarding the circumstances of the accident and damage to vehicles.

If none of the participants have either GLONASS or the application, then you can count on the standard maximum payout of 100,000 rubles.

The procedure for registering an accident without the traffic police

Before proceeding directly to filling out the notification form, you need to verbally discuss all the details with the second participant in the accident and find out if there are any disagreements.

If there are disagreements, then you should find out whether someone has the application of the union of auto insurers or GLONASS equipment.

If there is neither one nor the other, then filling out the notice is useless - you need to call the traffic police . The same applies to cases where harm to health is caused or more than 2 cars are involved in an accident.

If a preliminary agreement has been reached, you can begin filling out the notification form:

First you need to fill out the front side of the document (it’s in the picture). This part is filled out by drivers together. To do this, it is best to get into one of the cars and fill out the first sheet.

Please note that this sheet contains both parts that can be filled in together and parts that only apply to one of the cars (blue columns).

The document must be filled out legibly. In this case, you need to ensure that the information is copied onto the second sheet and, if necessary, press the pen harder on the paper.

I recommend filling out all fields in block letters. Any remaining blank spaces should be crossed out to avoid adding unnecessary information.

After the front side of the notice is completed jointly, the form should be divided. Each driver must sign both the first copy and the second. I recommend handing over the original to the driver, who will apply to the insurance company for payment. Although in general it doesn't matter.

As for the back side , you can fill it out yourself and it is not necessary to do it at the scene of the accident. It is much more convenient to finalize the document at home in a calm environment, by consulting, for example, with a lawyer you know or on the pddclub.ru forum.

When filling out the reverse side, you should pay attention to the column “circumstances of the accident”. If you are not guilty of an accident, then you should not write too much about your actions in the column. It’s better to describe in more detail the points of the rules that were violated by the second participant in the accident.

If the information does not fit on the reverse side of the sheet, then an additional sheet of paper can be attached to the document. In this case, in the notice itself you need to make a note “with attachment”.

After the document is completed, you need to contact your insurance company with an application for insurance compensation, to which a notice should be attached.

In general, registering an accident without the traffic police is a fairly convenient procedure , but it has not yet gained popularity among drivers. And the main reason for this is that not everyone understands how to fill out the European protocol. By the way, if you need help filing an accident yourself, you can always refer to the third sheet of the notice, which outlines the main points.

Well, one last thing. If you are not sure that you can correctly fill out the European protocol, then call the traffic police. In this case, you will have to lose several hours, but an error when filling out a notice may deprive you of repairs under your insurance.

The procedure for registering an accident without the traffic police - conditions and necessary actions

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The procedure for the actions of participants in road accidents is regulated by a number of legislative and regulatory acts, which are regularly amended. You need to know about them and take them into account in order to avoid additional problems and save time and nerves. After all, an accident often confuses its participants due to the fact that they do not know what to do in a given situation. One of these situations is an accident, which can be registered without the participation of traffic police officers and receive insurance compensation. This review describes in what cases this is possible and what should be done.

Conditions for registering an accident without traffic police

Drivers' obligations to call traffic police officers when involved in an accident are stipulated in paragraphs 2.6 and 2.6.1 of the Traffic Rules . Despite the dry bureaucratic style in which regulations are drawn up, we advise you to carefully read these provisions. After all, deviation from the rules, including through ignorance, can become a source of additional trouble.

Here are excerpts from the traffic rules regarding the duties of drivers to call traffic police officers in the event of an accident :

2.6.
If people are killed or injured as a result of a traffic accident, the driver involved in it is obliged to: take measures to provide first aid to the victims, call emergency medical care and the police...

2.6.1. If, as a result of an accident, damage is caused only to property, the driver involved in it is obliged to clear the roadway if an obstacle is created to the movement of other vehicles, having previously recorded by any possible means the position of the vehicles in relation to each other and road infrastructure, traces and objects related to road accidents and vehicle damage.

Drivers involved in such an accident are not required to report the incident to the police and can leave the scene of the accident if, in accordance with the law (Article 11.1 of the law on compulsory motor liability insurance), paperwork about the accident can be completed without the participation of police officers .

If, in accordance with the law (clause 5 of article 11 of the law on compulsory motor liability insurance), documents about an accident cannot be completed without the participation of authorized police officers, the driver involved in it is obliged to write down the names and addresses of eyewitnesses and report the incident to the police for receiving instructions from a police officer about the location of the registration of a traffic accident.

Let us turn to Article 11.1 of the law on compulsory motor liability insurance, which allows for the possibility of registering accidents without the traffic police if the following conditions are met :

The accident occurred as a result of a collision between two vehicles, the civil liability of whose owners was insured under MTPL;
as a result of the accident, damage was caused only to these two vehicles, there were no injuries in the accident and no damage was caused to other property;
the circumstances of harm caused in connection with damage to the vehicle, the nature and list of visible damage do not cause disagreement between the participants in the accident;
the amount of insurance compensation due to the victim for compensation for damage caused to his vehicle does not exceed 100 thousand rubles.

If at least one of these conditions is not met, the police must be called. In other cases, drivers decide whether to contact the traffic police or not (it is their right, not their obligation, to act independently).

Many participants in an accident who have to pay compensation for damage from an insurance company prefer to play it safe and register the incident with the involvement of traffic police officers. A copy of the protocol on the administrative offense is considered evidence of the good faith of the injured party. The document confirms the fact of the accident and indicates the culprit.

The Central Bank has extended the Europrotocol to CASCO. The corresponding Directive was published on October 1, 2014 in the Bulletin of the Bank of Russia. The document came into force 10 days after its publication.

If a car registered in another state is involved in an accident, a Europrotocol can be issued if the driver of the foreign vehicle has insured liability under a Green Card policy. You can read more about registering an accident under the European Protocol in our article.

Procedure for filing an accident without calling the traffic police in 2019

Depending on whether the participants in the accident came to an agreed decision not to involve traffic police officers in registering the accident or not, they have the following options for action:

register an accident at the nearest traffic police post, having previously recorded the position of the cars on a camera or video camera;
file a traffic accident yourself by filling out a Road Accident Notification;
do not complete documents if participants do not need them.

Let's consider the procedure for each option. The first steps are the same for all participants:

Stop (or leave) the car;
Turn on the hazard warning lights;
Install a warning triangle;
Check the well-being of all people involved in the accident.

Having made sure that there are no reasons to call the traffic police, the participants agree on further actions. Sometimes the intensity of passions interferes with the interaction of the parties. If the emotional state of one of the participants interferes with solving the problem, the police should be called.

How to register an accident at the nearest traffic police post

The option of involving traffic police officers is relevant if any of the conditions for registering the Europrotocol are not met. For example, one of the drivers does not have compulsory motor liability insurance or the damage exceeds the insurance indemnity limit.

In this case, participants:

photograph or record on video the position of cars and other objects related to the accident;
clear the roadway if cars impede the movement of other vehicles;
jointly fill out the Road Accident Notice, if possible;
go to the nearest stationary traffic police post and register the incident together with the employees.

By calling the duty station they will tell you the location of the road service point. If there is no Notice form, the document can be drawn up at any time before submitting the papers to the insurance company. At the scene of an accident, it is useful to write down the names and contact information of witnesses to the accident. The notification period for the insurer is no later than 15 working days from the date of the accident.

How to register an accident yourself and draw up a Europrotocol

The procedure for registering an accident on the spot yourself without the participation of traffic police officers is similar to the previous option, with the exception of visiting a traffic police post. Before completing the paperwork, you should make sure that your case complies with the terms of the Europrotocol .

The greatest difficulty for participants is filling out the Road Accident Notification. Emergency commissioner services operate in all major cities of Russia. Their task is to help drivers fill out paperwork for road accidents.

If there are serious difficulties, citizens can contact one of these services. But this will require additional costs. Calling the commissioner is justified if drivers do not have Notices or are unable to fill them out correctly on their own. You can draw up the document later, but in this case there is a risk of subsequent refusal by one of the parties to sign the document.

Notification of an accident is the Russian analogue of the Europrotocol . The document must be filled out in Russian. The insurance company issues a Notice when taking out an insurance policy.

To save your time searching for the necessary forms, it is recommended to first download the Europrotocol form to register an accident without calling the traffic police. The most convenient way to do this is on our website.

Download the Europrotocol form

It should be taken into account that when registering an accident, each driver sets out the circumstances of the incident on his own copy of the Notice on the reverse side. The insurance company determines the culprit. The presence of disagreements between the parties on the issue of who is to blame is not an obstacle to registration of an accident in a simplified manner. It is important that its participants do not disagree with each other regarding the circumstances that led to harm to the vehicle. This general opinion is confirmed by their signatures in paragraph 18 of the Notice on both copies.

The front side of the protocol is filled out jointly by both parties . Drivers check the data entered by each party against the documents. The validity of the MTPL policy can be checked on the RSA website. The parties sign both copies of the Notice.

The European protocol allows you to apply for payment under compulsory motor liability insurance to the insurer of both the culprit of the accident and the victim. In the second option, the perpetrator's company reimburses the payments made by the victim's company.

After receiving documents for payment of compensation, the insurance company, within 5 working days, is obliged to inspect the damaged vehicle and assess the damage caused to it. The time and place of inspection is agreed upon with the driver.

If the policyholder does not agree with the established amount of compensation or an assessment has not been carried out, an independent examination must be carried out at the direction of the insurer. The examination may not be carried out if agreement is reached on the amount of payments. The victim must not repair the car until 15 calendar days have passed from the date of filing the application for payment of compensation.

A victim can receive insurance compensation:

in the form of payment for vehicle repairs;
transferring funds to his bank account.

Owners of passenger cars registered in the Russian Federation receive insurance compensation only in the form of vehicle restoration repairs.

What to do if the participants in the incident do not need documents

If there are no claims against each other, drivers can leave without filling out papers. This is possible for on-site compensation, minor damage and other similar situations. To avoid fraudulent activities, experts advise the parties to exchange receipts. The document indicates the absence of claims from one participant in the accident to the other.

Registration of an accident without calling the traffic police: new rules in 2019 and legal advice

The constantly growing number of vehicles on the roads of large Russian cities and the reform of the Ministry of Internal Affairs (reduction of staff) led in 2015 to changes in the rules for registering road accidents. In conditions of heavy traffic (especially during rush hours), any small collision of cars caused traffic paralysis. After all, according to the old rules, drivers did not have the right to leave the scene of an accident before the arrival of the traffic police, because for this there was a risk of deprivation of rights.

So the participants in the accident, the registration of which must be carried out by the traffic police crew who arrived on call, stood for long hours, creating significant problems for city traffic. Even though the damage is insignificant and everyone has compulsory motor liability insurance, they can’t leave. From July 1, 2015 (subsequently only minor changes were made) this procedure changed. Now the traffic rules indicate cases when participants in an accident can leave without waiting for the traffic police inspector, or even not contact law enforcement officers at all.

When can you not contact the traffic police?

There are many opportunities for actions to independently register an accident (without involving the traffic police). The main thing is that the accident does not affect people, but only affects the condition of the cars.

To understand the issue in more detail, first let’s look at what the procedure is in case of an accident according to the rules in force today (2019). It (the order) is established by clauses 2.5, 2.6 and 2.6.1 of the Traffic Regulations. These rules state that when a person is driving, if they get into an accident, the first thing they need to do is:

stop and turn off the car;
inform others about the danger by pressing the emergency button;
mark the location of the accident using a special sign.

Next, the driver must:

check the condition of people involved in an accident, if there are victims, call doctors and law enforcement officers (the single emergency phone number is 112);
If you need emergency help, organize it. Hitch the wounded to a nearby medical facility or take them yourself;
After delivering the wounded, return to the scene of the accident.

If everything went well with health, and only the hardware was damaged, then clause 2.6 comes into effect. It gives those involved in the accident four possible actions. At the same time, they must clear the roadway (if the injured vehicles interfere with traffic), having previously carried out photo and video recording of the accident site. By recording the position of the vehicle on the road, the brake mark and other facts that allow us to establish the circumstances of the accident.

For failure to comply with the rules to clear the passage, drivers may face a fine of 1,000 rubles.

Four options for action in case of an accident without casualties

Option 1. The drivers who drove the colliding vehicles do not have a common opinion on the reasons for what happened (as to culpability in what happened), on the extent of the damage caused, etc. In this case, it is necessary to collect data (full name, plus contacts) of witnesses and call the duty station (contact a traffic police representative). The official, based on the information received, will make a decision on sending the crew to the scene of the accident (if the information from the words is not clear and requires additional study). Or he will indicate the address of the department (or post) to which the participants in the incident need to go to register. As a rule, it is suggested to go to the department. In this case, before the trip, participants need to draw a diagram of the accident, take videos and photos of cars, tracks and other facts related to the incident.

The investigation group in the traffic police department examines the circumstances of the case, determines who is to blame, draws up a report and issues a decision. According to the regulations adopted in 2017, a certificate of an accident is no longer issued (only a protocol and a resolution). It is these documents that the injured party provides to the insurer to justify its right to compensation.

Option 2. Among the participants in the incident there are no discrepancies in the assessment of who is to blame for what happened and the nature of the damage. But, at the same time, more than two vehicles collided; not all participants have current compulsory motor liability insurance; in addition, there are a number of other obstacles to the application of the Europrotocol. In this situation, you will also have to contact the traffic police. As in the previous option, call the duty station and get an address where you can go for registration. Having previously prepared a schematic image of the accident, taking photos and videos.

Option 3 . "Amicable". When the damage is small (and is compensated on the spot), and third parties have not suffered in any way, the rules allow not to report anywhere and not to register anything. That is, to the question of whether it is necessary to call the traffic police in a minor accident, the legislator gives a direct negative answer.

Option 4. Euro protocol. The most promoted option by modern authorities and human rights activists for resolving the situation with road accidents. According to representatives of law enforcement agencies, the fact that an accident, as a rule, is a violation of traffic rules, does not allow completely abandoning the services of the traffic police in the registration of accidents in which only material damage is present. Some of the violations entail punishment under the Code of Administrative Offenses of the Russian Federation, and this is the area of responsibility of law enforcement agencies.

How can you file a traffic accident yourself?

To register an accident without involving law enforcement agencies (according to the “Euro Protocol”), it is necessary to comply with a number of mandatory conditions (all are directly listed in clause 2.6.1 of the Traffic Regulations). This:

no harm to health;
only two participants (a vehicle with a trailer is considered one vehicle) in the accident;
current compulsory motor liability insurance for both parties to the collision;
there are no discrepancies regarding the causes and consequences of road accidents;
the maximum damage does not exceed 50 thousand.

For residents of Moscow and St. Petersburg and the regions (legislators made an exception for them), the maximum damage is equal to the limit of possible compensation under OSAGO (40-FZ clause 5, art. 11.1). This is 400,000 rubles (as of 2019). True, such an amount can only be received if the insurance company receives from the car owner materials about the circumstances of the accident, obtained by means of video and photo recording, as well as devices using GLONASS, GPS and other global geopositioning systems.

Rules for drawing up the Europrotocol

Legislative acts on compulsory motor liability insurance regulate the procedure for issuing notification of an accident. It should contain:

the location of the accident (if geopositioning tools are available, it is best to indicate the coordinates);
date and time;
number of cars damaged (one or two);
note that there is no harm to people or other vehicles;
FULL NAME. and contact details of eyewitnesses;
information about the vehicles involved in the collision (make, model, license plate, etc.);
FULL NAME. and the address of the owner, and also, if another person was driving (at the time of the accident), the details of this person. Plus contact phone number and driver's license information;
a description of the circumstances under which the collision occurred. How, in what order they moved along the road, etc. Plus a diagram of the incident;
information about which part of the car was hit. In addition, describe visible damage;
in addition - a list of photo and video recording materials that can be presented for confirmation (in case of doubts about the reliability of the information specified in the protocol).

When filling out the protocol, pay attention to details

“Notification of an accident” is an official document, the execution of which has certain requirements.

When filling out the notice, write in block letters so that anyone can read your notes. Use only a ballpoint pen, then a clear imprint will be formed on the second sheet of the self-copying form. Each driver must fill out both pages of the form, without gaps. All corrections must be certified (signed).

On the first sheet of the notice, which is common to the participants in the incident, there must be two signatures of each participant (if there are no corrections). With the first signature, each driver certifies the correctness of the data entered by him, the second - the absence of discrepancies in the interpretation of the circumstances of the accident.

Maximum payout under the Europrotocol

In case of simplified registration of an accident, the following maximum payments are established by law:

For all regions (except Moscow and St. Petersburg and regions) – 100,000 rubles. From 06/01/2018 (in accordance with 448-FZ dated 12/29/2017)

For residents of Moscow and St. Petersburg and the regions, the maximum payment amount can reach the maximum compensation limit under compulsory motor liability insurance. Today it is 400,000 rubles. But, only with the mandatory provision of video and photo evidence obtained together with geopositioning data. This was done to combat fraud. Thanks to satellite systems, an incident that occurred in the Vladimir region cannot be represented as an event that took place in the Moscow region.

Accruals are made according to the policy of the participant in the accident found at fault. This will affect him by increasing the cost of insurance in the future.

Where can I get the Europrotocol form?

This form is issued by the insurance company when selling insurance, complete with the policy and instructions. If you purchase an electronic policy, the car owner can stop by the office of any insurance company and receive it for free.

The protocol form is a single “pie” of 3 sheets of self-copying A4 paper.

In its absence, you need to:

stop by the office of any insurer;
print out the established form from the RSA (Russian Union of Insurers) website. By the way, here you can also check the authenticity of the policies.

In the case of a printout, you will have to fill out twice as much, so it is better to have the original form. The main thing is that at least one of the drivers who decides to file an accident without the traffic police has it.

What to do if people were injured in an accident?

If there are victims in an accident, it is impossible to register an accident without the traffic police. If this happens, the Rules clearly prescribe:

Report to the duty station information about the accident and the number of victims. A traffic police crew and an ambulance will be sent to the scene of the accident.
In an acute situation, organize the provision of first aid and send the wounded to the nearest hospital. With the help of people passing by, or yourself.
Having delivered the victim to a medical facility, return back to register the accident (together with the police).

If there is no need for urgent transportation of victims, emergency vehicles do not completely block traffic. Then, those involved in the accident must collect information from eyewitnesses and take measures to preserve traces of the incident until the arrival of the traffic police squad.

In situations where, as a result of a collision, traffic is completely blocked, it is necessary to make photo-video recording and drive the vehicle to the side of the road. Then start sketching a diagram of the accident.

Simplified registration in such a situation is impossible. In this case, it is important to carefully ensure that information is not fabricated that could incorrectly identify the party at fault in the incident.

Application deadlines

To receive insurance compensation, the owner of the vehicle (or his authorized representative) in 2019 must contact the office of his company (to provide documents) within 5 days. The same applies to the second participant (those responsible for the accident). He must take his copy of the notice to his company (in order to notify it of what happened). When submitting a notice at the company's office, you must receive a copy with the incoming number in return. This will confirm that the document was submitted on time.

Since the insurer has the right to conduct its own assessment (examination) of damage, the law prohibits both drivers from repairing their cars for 15 days.

Documents for receiving payment

As part of the European protocol, in order to receive an insurance payment, the car owner must provide the following set of documents to the insurer:

application addressed to the director of the company (to receive compensation);
duly completed “Notice of Road Accident”;
information carrier with evidence (photo/video).

The media must be original: a memory card from a recorder, camera, mobile phone (if photos are stored in its internal memory), etc.

Plus, you will need to provide (for identification, confirmation of ownership, etc.):

passport of the citizen and his authorized representative (if any) receiving compensation with copies of the first page and the page with registration attached;
power of attorney, if the recipient is an authorized representative;
OSAGO policy;
registration certificate, or, in its absence (for example, if the car is deregistered) - PTS. Attached are copies made of both sides of the document;
a certificate from the bank with the details of the current account to which compensation should be transferred.

If, nevertheless, traffic police officers took part in the registration of the accident, it will be necessary to add the documents issued by them:

protocol on inspection of the scene of the accident with a diagram of the accident;
resolution to initiate an administrative case.

In the case where there are victims, a certificate from a medical institution is attached. If there is a discrepancy in the assessment of the amount of damage - the conclusion of an independent technical examination.

We file an accident according to the European protocol: your own inspector

Registration of an accident according to the European protocol is convenient! There is no need to wait for hours for the inspector to arrive; you just need to fill out a special form, then present the completed notice to your insurance company - and wait for payment under compulsory motor liability insurance or comprehensive insurance. But there are points that you should pay attention to so as not to be left without money for repairs.

Essential conditions

Not every accident can be registered under the European protocol - only minor collisions in which two vehicles were injured. And if the accident also damaged road infrastructure, for example a road sign or a bus stop pavilion, you are not allowed to file the incident yourself. In addition, you cannot use the simplified scheme if people were injured. Or if the second driver does not have an MTPL policy. And, naturally, if disagreements arise between the drivers when determining who is to blame. In these cases, you will have to call the traffic police or go to the nearest traffic police unit.

The main condition that discourages most drivers from registering on their own is the maximum amount that can be paid under insurance: only 50,000 rubles. The possibility of doubling this limit is being discussed, but things have not yet moved beyond discussions.

Theoretically, you can get the maximum for compulsory motor liability insurance (400,000 rubles) if both cars are equipped with accident-detecting modules of the ERA-GLONASS system (the use of devices that work in conjunction with other satellite navigation systems is allowed). But such devices are still rare, because manufacturers are required to install them on their new models only from January 2017.

And further. Even an accident in which a car not registered in Russia was involved can be registered under the European protocol. The main condition is that the driver has a “green card”.

Spelling lessons

There is nothing difficult in filling out the fields; many are simply afraid to make a mistake. According to Svetlana Efremova, a specialist in the claims settlement department of AlfaStrakhovanie, drivers often lose sight of the fact that it is necessary to fill out all the fields. For example, they do not check the required boxes in the “Circumstances of the accident” section or do not put signatures confirming the absence of disagreements. Due to such carelessness, the insurance company may refuse to pay.

Let's look at a specific example of filling out a notification form. Let's assume the situation is as follows. I was reversing out of the yard and hit an Opel that was passing me. Realizing that it is his own fault, and that repairs will require no more than 50 thousand, I suggest that the Opel driver register the accident according to the European protocol.

We indicate where and when the collision occurred (columns 1 and 2) , note the number of damaged cars (column 3) . We inform you that there were no victims (column 4) and that no examination for intoxication was carried out (column 5) .

We write “No” in the sections on material damage to other vehicles and property (column 6) . We indicate that the accident was registered without a traffic police inspector (column 8) and report on witnesses, if any (column 7) .

Columns 9 to 12 : write about your car - who drove it, who is the owner, indicate the insurance number and the name of the insurance company. The left side is filled in by one driver, the right side by another (for clarity, I filled the halves with ink of different colors). If you do not have a comprehensive insurance policy, check the “No” box in paragraph 12 .

In sections 13 to 15, we indicate where the impact occurred (mark with an arrow on the image of the car), describe the visible damage and write comments, if any. For example, the car's bumper was damaged initially and was not damaged in this particular collision.

In section 16 “Circumstances of an accident”, each driver on his side of the form checks the required box corresponding to a particular circumstance of the accident (the most common circumstances are listed). In our case, I (as the driver of car A) put the following marks: 4 (left the parking lot, parking place, stop, yard, secondary road), 17 (moved in reverse), 21 (collied into a stationary vehicle, obstacle, pedestrian, etc.). In the line “Indicate the number of marked cells” you will need to put the number 3. The second participant will make a mark in the “Other” column and write: “Waited for the departure of vehicle A”, and in the line “Indicate the number of marked cells” he will put the number 1.

In column 17 we draw the location of the accident. It is enough to depict a street with an exit and a house number, two cars and an arrow to show the direction of movement.

And most importantly: we put signatures. Each driver leaves a couple of autographs in the indicated places.

After this, the self-copying form can be disconnected. Each driver keeps a copy, on the back of which you need to briefly describe the circumstances of the accident (sections 1 and 2) . In sections 4, 5, 7 you should put dashes, and in section 6 you should indicate whether the car can move under its own power.

You also need to sign at the end.

Receiving insurance compensation

To receive money for repairs, submit an accident notification form and an application for payment to your insurance company and show the damaged car.

It is important to know that the at-fault party is prohibited from repairing his car for 15 days after the accident . If the car needs to be repaired sooner, I recommend that you first present it to the insurance company for inspection. Or obtain written consent from the insurance company for repairs without inspection. Otherwise, the insurance company will present you with a recourse claim after paying the victim.

Let me explain. Let's say you break another car's headlight. You don’t deny your guilt, everything was formalized according to the European protocol. Your car is minimally damaged - there is a chip on the bumper. Without showing the car to your insurance company and without getting their approval for repairs, you repaired the bumper yourself. In this case, your insurance company, having paid the victim, say, 20,000 rubles for a broken headlight, will be able to demand this amount from you. If within two weeks your insurance company does not require you to submit your car for inspection, you can safely proceed with repairs.

Registering an accident yourself is not a difficult task; it will take no more than half an hour. The main thing is not to worry and not to rush.

How to properly file an accident without calling the traffic police

Since 2015, some amendments have been made to the traffic rules, on the basis of which the registration of road accidents without the traffic police has also changed. Often, road accidents make many motorists wonder whether it is possible to fill out a notice in the absence of State Traffic Inspectorate employees in order to receive the compensation due under the MTPL policy.

According to the new legislation, it is no longer necessary to call the traffic police to the scene of an accident in all cases. If there are no injuries and the participants in the accident agree with mutual claims, the fact of the accident can be recorded without inspectors. Subject to specific conditions, registration of the incident is permitted under the European Protocol.

When there is no need to call the traffic police

The procedure for motorists to act in the event of a traffic accident is regulated by traffic rules clauses 2.5-2.6.1. Based on this regulatory act, it is possible to register an accident in the absence of a traffic police service if the following conditions are met:

there were no injuries in the accident;
the participants in the accident reached mutual agreement regarding the incident and the injuries sustained.

In other situations, you will need to contact the police. The Law “On Motor Vehicles” provides for a simplified version of registering an accident under the Euro Protocol, if the requirements established by the regulatory legal act are simultaneously met:

Only two vehicles were injured in the accident.
Motorists have a valid MTPL policy.
Damage was caused only to the vehicles involved in the accident.
An agreement was reached between the parties regarding the circumstances of the situation and the damage to the car. This fact is recorded in the notice.
The amount of damage is no more than 50,000 rubles, with the exception of incidents in St. Petersburg, Moscow, Moscow Region and Leningrad Region recorded on video recorders. Here the maximum possible compensation is paid - up to 400 thousand rubles.

Registration of an accident according to the European protocol

If the parties to the accident have no claims against each other, they may not fill out any paperwork at all. This is acceptable for minor damage and compensation for damage on the spot. But in order to avoid disagreements, motorists should draw up receipts indicating the absence of claims against the person responsible for the accident.

Procedure for registering an accident according to the European Protocol:

set up an emergency sign and turn on the “signal”;
without moving the car, agree with the other participant regarding the guilty party, determine the amount of damage and decide to file an accident according to the European Protocol or call the traffic police;
take video and photos of the accident scene, car, damage, signs;
if vehicles are obstructing movement, drive them aside (after recording all the circumstances);
fill out a notification of an accident - motorists first fill out their form, then column 3 or 1 other copy, put signatures, time and date.

If the protocol is completed and agreement is reached between the parties, you can leave the scene of the accident and visit the insurance company. Attach a duplicate of the completed notice to the application.

The protocol must be submitted to the Investigative Committee within 5 days from the moment of the accident (excluding weekends and holidays). Car repairs cannot be made within 15 days, otherwise compensation will be denied.

Design and form of the Europrotocol

The notification form is approved by the regulatory legal acts of the Central Bank of the Russian Federation No. 431-P. The form must be completed strictly in accordance with the established rules. In fact, this is an A4 sheet, on both sides of which all fields must be filled out.

It is not so difficult to draw up the Europrotocol, but the following conditions must be met:

clause 2 on the second sheet (note), the culprit of the accident must indicate that he provoked the accident;
according to the road accident diagram, list of damages and notes, there should be no contradictions;
the participants in the accident must reach mutual agreement regarding the circumstances of the accident.

The notice is filled out by hand with a ballpoint pen. In the column in the middle, the marked points must be similar in 2 copies of the protocol. Others - do not contradict each other and do not cause disagreement.

All car enthusiasts fill out the corresponding lines (1st or 3rd) on their copy. Both notification forms must be completely filled out.

How to register an accident at the State Traffic Inspectorate post

If one of the conditions under the European Protocol cannot be met, the assistance of traffic police officers may be required. When one driver does not have a compulsory motor liability insurance policy or people were injured in an accident, you will have to contact the traffic police. In this situation, the participants in the accident:

record or photograph the location of the car and other objects that are related to the traffic accident;
remove cars from the roadway if they interfere with the movement of other vehicles;
draw up an accident report form, if possible;
go to the stationary traffic police post, where further registration of the notification form is carried out jointly with the inspectors.

By calling the 24-hour service you can find out all the necessary information about the location of the police station. In the absence of the Europrotocol, the notice can be filled out at any time before the documents are provided to the Investigative Committee. At the scene of the accident, contacts and names of witnesses to the accident should be recorded. The accident must be reported to the insurance company no later than 15 days after the incident.

What documents will be required by the insurance company?

To obtain insurance, a motorist must contact the company within 5 days after the accident. To apply for compensation you will need the following documents:

Identity card (if the driver is a foreigner, a translation certified by a notary or representative office will be required).
Power of attorney for a vehicle if the driver is not the owner of the vehicle.
Title documentation: title, certificate, rental or leasing agreement.
Certificate of accident (F-154), annex, if there are victims (the document must have a stamp, initials of the inspector who issued the paper, date and place of the accident, circumstances, MTPL number, name of the insurance company, information about the car, transport drivers, the culprit, contact information information, list of damages).
Protocol on the offense.
Accident notification.

Certificates will not be required if the traffic accident was registered without the traffic police according to the European Protocol.

When drawing up the protocol, one should not forget that:

information about witnesses must be indicated in the notice;
if the motorist does not agree with the determination of the circumstances of the accident or the amount of the fine, the traffic police officer issues a corresponding certificate;
If a participant in an accident believes that the information presented is incorrect, he must indicate this in a separate column of the form, cross out “offender,” indicate “driver,” and add that he does not consider himself guilty.

The presence of State Traffic Inspectorate inspectors at the scene of an accident is no longer necessary. If there are no victims, the participants have reached mutual agreement regarding the circumstances of the accident, the nature of the injuries received, it is possible to register a traffic accident without traffic police officers. If the accident meets specific requirements, it can be registered under the Europrotocol.

If the participants in the accident doubt that they will be able to fill out the notice on their own, you can invite an emergency commissioner who will take photos and videos of the scene of the incident and draw a diagram. With completed documents, motorists will be able to contact the insurance company to receive compensation.