When is a document from the traffic police required?
The list of documents required to receive payment depends on what actually happened to the car. If we are talking about an accident and damage to the body, then the set of papers will differ from what needs to be provided in the event of a car theft.
A certificate from the traffic police for CASCO about the accident that occurred (F-154) was issued by a police officer when registering the accident until March 24, 2018.
Nowadays, insurance companies no longer require such a certificate to make payments.
All you need is a report on an accident and a resolution on an administrative offense indicating the culprit of the accident or a ruling on refusal to initiate a case.
To process the payment you also need:
- notification of an accident (if issued);
- car registration certificate;
- driver's license;
- a copy of the car owner's passport;
- insurance contract and receipt for its payment;
- an application indicating the details for transferring the payment.
This is the main set of documents, however, the insurer may also request a copy of the loan agreement if the car was purchased on credit, rental agreements, leasing agreements with a car acceptance certificate, a letter of authorization from the beneficiary and other documents.
All details of the accident are reflected in the accident report. If the registration took place without the participation of police officers (according to the European protocol), then only the Notification of the Road Accident is provided, which describes all the circumstances of the incident.
If a theft or theft has occurred, then you will also need an original or a copy of the resolution to initiate a criminal case regarding the theft of a car, complete sets of key fobs, keys, cards - active and passive activators of all electronic and electronic-mechanical anti-theft systems.
Why was the certificate canceled and what replaced it?
The police department warned about its desire to get rid of the unnecessary hassle of registering an accident two years ago, citing the fact that the notification of an accident, which drivers fill out independently, already provides insurers with information about all the circumstances of the accident. At the same time, the State Traffic Inspectorate clearly did not care about the need to amend the law on compulsory motor liability insurance: the Ministry of Internal Affairs expected that the Central Bank (and it is entrusted with regulating the insurance market in Russia) and the Russian Union of Insurers would solve this problem themselves by developing new rules for compulsory motor liability insurance. But at the same time, no one, including ordinary traffic police officers, believed that the certificates would still be cancelled. So on October 20, thunder struck for almost everyone.
Since this date, the Ministry of Internal Affairs has been implementing new internal regulations* for the work of traffic police inspectors, and many innovations have appeared in it - for example, it is now allowed to place photo and video recording cameras in places where temporary road signs are in effect, and inspectors have the right to stop drivers outside stationary posts without giving reasons. But o (that’s what it was called because the sample was approved by order of the Ministry of Internal Affairs of Russia dated April 1, 2011 No. 154) is the most resonant innovation.
At the same time, the traffic police did not formally relieve inspectors of the obligation to collect information about participants in road accidents and damage to cars, and on October 18, an internal clarification was sent to the regional divisions of the State Traffic Inspectorate, which states that after October 20, inspectors should, instead of issuing a “certificate in form 154,” make additional information in the protocol or resolution on an administrative offense, or in a ruling on refusal to initiate a case on an administrative offense. According to the Ministry of Internal Affairs, these documents will be enough to contact the insurance company. But in practice, as usual, everything works differently.
Another example of how brevity is not always a virtue, especially when it comes to filling out accident paperwork. Describing the circumstances of the incident, the inspector “explained” that “the vehicles received mechanical damage to the right rear door with the insurance cover EEEXXXXXXXXXX consent, motor insurance BMW: EEEXXXXXXXXXXXX Rosgosstrakh damaged: bumper. left corner." Apparently, the injured motorist will have unforgettable moments with the insurance company
Our questions about how the driver and the inspector should now communicate when registering an accident were left unanswered by the press service of the Ministry of Internal Affairs. However, the Russian Union of Insurers and the accident commissioner services were able to clarify the situation a little and helped compile this cheat sheet, although the RSA made a reservation that the details of the new mechanism for registering accidents are not completely clear, so delays in the consideration of insurance claims are possible.
In what cases is it enough to get it from the local police officer and how to do it?
The accident report is the main document on the basis of which insurance payments are made.
It is not issued only if emergency assistance to victims of an accident or urgent evacuation was required.
In this case, the protocol is drawn up within the next 24 hours after the accident. Drivers can also file an Accident Notice on their own.
Sometimes a copy of the Resolution to refuse to initiate criminal proceedings is sufficient to submit documents to the insurance company.
To receive it, you must first register a statement about the fact of illegal actions of the persons who damaged the car. After this, a notification coupon will be issued, which confirms the acceptance of the application.
You can also obtain a certificate of unlawful actions of third parties or a certificate of accident (Form 153) from the police department.
It is issued by a traffic police officer or a local police officer if he was called to the scene of the incident. The certificate records all the circumstances of the accident and the contacts of the participants.
The certificate must contain:
- information about the date, time, place, circumstances of the event;
- list of damaged vehicle elements;
- a message about who exactly damaged the car (identified or unidentified (unknown) persons).
Then, within 10 days, you can receive from the office a certified copy of the decision to initiate or refuse to initiate a criminal or administrative case.
For example, if the police were unable to establish the circumstances of the event, they refuse to initiate a criminal case under paragraph 1 of Part 1 of Art. 24 Code of Criminal Procedure of the Russian Federation.
The resolution confirms:
- the fact of illegal actions of third parties or the absence thereof;
- the extent of damage to the vehicle;
- the result of the preliminary investigation.
This document indicates the date, all the circumstances of the incident and the nature of the damage received (for example, it clearly indicates which parts were damaged).
Very often, insurers refuse clients with such a document, citing the fact that there was no damage as such, because the police refused to initiate a case.
For example, if a car is damaged by a stone, but it is not known who threw it, then the insurer may refer to the fact that an event occurred that, in accordance with the terms of insurance, does not qualify as an insured event.
In order not to lose your insurance payment, you should not write in the application that you have no claims against anyone, are against the initiation of a case, or consider the damage to be insignificant.
The owner of the car cannot refuse to initiate a case - this is done by the police themselves if there are compelling reasons for this.
If you do not agree with the refusal to initiate a case, then it is better to appeal the decision. Sometimes this is very important to do so as not to lose your insurance payment.
Important! The decision to refuse to initiate a case is made by the head of the investigative body, the investigator, the inquiry body or the interrogating officer. Refusal may result in non-payment of insurance compensation, so you should take this document very seriously.
Cancellation of a road accident certificate
Cancellation of a road accident certificate
On October 20, 2021, the new Administrative Regulations for the execution of the state function of the Ministry of Internal Affairs of the Russian Federation to exercise federal state supervision over compliance by road users with the requirements of the legislation of the Russian Federation in the field of road safety will come into force. The regulations were approved by Order of the Ministry of Internal Affairs of the Russian Federation No. 664 dated August 23, 2017. The previous regulations approved by Order No. 185 have been cancelled. The new order has already been sent out and communicated to traffic police officers.
The most important, and not yet entirely clear, innovation is the abolition of road accident certificates. Now traffic police inspectors simply won’t issue them. When settling an insured event under compulsory motor liability insurance, insurance companies required these certificates on the basis of Central Bank Regulation No. 231-P of 2014. According to traffic police officers, this certificate has been canceled for several years now, but insurance companies continued to demand them. Now this practice will be stopped legally, and Order of the Ministry of Internal Affairs No. 155 of 04/01/2011 “On approval of the form for notification of a traffic accident” has also been cancelled, that is, the form of this certificate in the Ministry of Internal Affairs now simply does not exist. As the department promises, motorists should not have any problems, since the documents issued to the driver after an accident are sufficient to compensate for damage. That is, now a copy of the protocol or a copy of the resolution on an administrative offense is sufficient for the insurance company, since it already contains all the information the insurer needs. It’s just that now more complete information will be included in these documents. In addition, the driver is required to independently fill out an accident report and submit it to the insurance company.
But not everything is so smooth in our legislation. No changes have yet been made to either Central Bank Regulation No. 231-P or paragraph 5 of the law on compulsory motor liability insurance. Accordingly, insurance companies have the right to demand this certificate from the car owner. Without a certificate, you can register an accident only according to the European protocol, if certain requirements are met. Insurance companies, understandably, are afraid of a surge in fraud and will be forced to strengthen the verification of documents received from car owners, which may lead to a delay in the settlement procedure. And it is clear that at first there will be confusion in insurance companies, since building new algorithms and building processes for obtaining information about road accidents will take some time.
See also: Rules for making changes to the design of vehicles
Installation of cameras in repair areas
The next innovation is related to the installation of automatic photo-video recording cameras in areas where yellow signs limit the maximum speed of vehicles. In accordance with paragraph 57 of the canceled regulations, approved by Order No. 185, “The use of automatic fixation means in places where traffic restrictions are established by temporary road signs is not allowed.” According to the New Current Regulations, approved by Order No. 664, this restriction is removed, that is, this phrase is not in the order at all. New rules for installing cameras in repair areas have already been developed and submitted to Rosavtodor and road owners. The rules for installing dummy cameras in these areas are also spelled out.
According to information from Rosavtodor, the initiators of this change were the road workers themselves. According to statistics, the number of accidents in places where roads are narrowed in repair zones has increased, and at the moment one of the most common causes of accidents in repair zones is speeding.
Stopping a driver outside a traffic police post
As the Ministry of Internal Affairs explained, the number of traffic police posts has decreased several times, while the number of violators is only growing. According to statistics, in 2021 alone, more than 2 million cases of citizens driving cars without a driver’s license were recorded. In this situation, enhanced control is required outside traffic police posts, namely on the road network. Previously, a traffic police officer could stop a car outside the post, but only in certain cases (and there are quite a few such cases), for example, during raids and special events, in case of violation or suspicion of violation of traffic rules, etc. Now there are much more reasons to stop the car.
Communication between a traffic police inspector and a driver
The new regulations introduce a new rule from October 20. In addition to the requirement for the driver to transfer documents to the traffic police inspector without a cover, a requirement was added to transfer documents “without restraining devices.” On the Internet you can find many cases where drivers placed documents in transparent containers and chained them to the car, thus preventing the inspector from taking the documents into the patrol car for inspection.
See also: Pre-trip monitoring of vehicle technical condition. List of operations
As for direct communication between a traffic police officer and a driver, according to paragraph 44 of the regulations, when talking with road users, the officer must refrain from:
- any kind of statements and actions of a discriminatory nature on the basis of gender, age, race, nationality, language, citizenship, social, property or marital status, political or religious preferences;
- rudeness, displays of a dismissive tone, arrogance, biased remarks, presentation of unlawful, undeserved accusations;
offensive language or remarks; actions that provoke illegal behavior.
OSAGO policy
Now, according to the new regulations, the driver can present to the inspector both a regular paper OSAGO policy and a copy of the electronic policy. The law on this was adopted back in 2021; accordingly, the Ministry of Internal Affairs made changes to the regulations.
Head of the Transport Department Zuev Seraphim
Issuance by other competent authorities
In addition to the Road Accident Report, Notification and other documents, the insured event can be confirmed by a certificate from the State Fire Service, the Ministry of Emergency Situations and the Ministry of Internal Affairs - in the event of loss or damage to the car as a result of a fire or explosion, theft by third parties, burglary, etc.
You can also contact the territorial authorities for a certificate Hydrometeorological services, for example, in case of natural disasters (hurricane, flood, snow drifts, etc.). All these documents will confirm the fact of the insured event, which is very important for receiving payment.
Receiving payment without a certificate
Payment without certificates of an accident can be received in the case when the amount of damage received is small, there were no casualties in the accident, and this option is provided for in the insurance contract.
Without a certificate, damage is usually registered if:
- glass elements are damaged;
- body parts are damaged, for example, the paintwork is scratched;
- headlights and other small items were broken.
The option “payment without traffic police certificates” is usually provided for in expensive policies. Cheap insurance may not have such a useful program.
A certificate is not needed if damage repairs do not exceed 3-5% of the insured amount or a certain fixed amount (for example, up to 10 thousand rubles).
Despite the fact that insurers may not require a certificate in such cases, they will certainly inspect the car and draw up a damage inspection report.
To receive payment, it will be enough to write an application and present the car for inspection by the manager.
