Why do we need the traffic police? Payments for registration of an accident without an inspector increase several times

The consequences of an accident can be both damage to cars and damage to the life and health of the parties to the accident.

In one case, the incident is subject to registration by the State Traffic Inspectorate, and in another scenario, communication with the traffic police can be avoided. We have to look at situations where car owners can file an accident themselves, and at the same time learn all the intricacies of this procedure.

The procedure for registering an accident without the participation of the traffic police

For more than five years in Russia it has been possible to register minor road accidents without calling traffic police officers - according to the so-called European protocol.
Since August 2014, a reform of the procedure for registering accidents in a simplified manner has been carried out and the amount of insurance compensation has been increased. For example, the maximum amount of payments under the European protocol was doubled, to 50 thousand rubles, and if you follow a special procedure for registering an accident that occurred in Moscow, St. Petersburg, the Moscow region and the Leningrad region, you can receive a payment of up to 400 thousand . rub. So, you can register an accident without the participation of traffic police officers if:

• The accident involved two vehicles;
• no people were killed or injured in it;
• as a result of the accident, no property was damaged, except for the cars of the participants in the accident;
• both participants in the incident have a valid MTPL policy;
• both participants in the accident have the same assessment of the circumstances and damage to the vehicles, have no disagreement about who was at fault for the accident, and agree to file the incident in a simplified manner.

It should be borne in mind that it makes sense to register only really minor accidents using the European protocol, since the amount of insurance compensation with this registration procedure is very limited and amounts to 50 thousand rubles. (25 thousand rubles, if the civil liability of both participants in the accident was insured before August 2, 2014). This restriction does not apply and insurance compensation can be paid in full (400 thousand rubles) subject to the following conditions:

• The accident occurred in Moscow, St. Petersburg, the Moscow region or the Leningrad region;
• the civil liability of both participants in the accident was insured after September 1, 2014;
• participants in an accident have the opportunity to record (with the help of technical control means that ensure uncorrected recording of information) and provide to the insurer data on the circumstances of damage to the vehicle as a result of the accident.

You should pay special attention to compliance with the deadlines for transmitting information about the accident to your insurance company. Both the victim and the perpetrator of the accident are required to do this within five working days from the moment of the accident. In addition, for 15 calendar days (minus non-working holidays), it is prohibited to repair or dispose of damaged vehicles without the permission of the insurer. If the culprit of the accident violates these conditions, the insurance company will have the right to recover from him the entire amount of payment in full.

In what cases can you file an accident without calling the police, what documents will need to be drawn up and what amount of insurance compensation can you receive, find out from our infographics.

Click on the picture to enlarge

What is the Europrotocol

The Europrotocol is a form for notification of a car accident, on the basis of which the motorist will receive compensation in the event of an insured event. The document in question is filled out independently by the persons involved in the accident. The legislation establishes conditions that allow you to register an accident under the European protocol.

Attention! These include the following:

• participation in an accident of no more than two vehicles;
• all motorists involved in an accident have an insurance document (MTPL);
• there are no dead or injured persons. Only property damage was caused, that is, only vehicles and trailers were damaged;
• the persons involved in the accident have reached a mutual agreement, and they do not blame each other for what happened;
• the amount of property damage is less than 100 thousand rubles. If the injured person assures that the specified amount is not enough to repair the damaged car, then motorists must call the traffic police.

In other cases, the parties must solve this problem with the involvement of traffic police officers.

It is necessary to take into account that owners of vehicles registered in the territory of another state, in the event of an accident on the territory of the Russian Federation, can also file an accident without involving traffic police officers in the case, if they have an international insurance policy called “Green Card”.

To do this, participants in an accident must first consult by making a phone call to the number +.

Registration of an accident without calling the traffic police: new rules in 2021 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.

Europrotocol: how to fill out the form

The form that is given to the motorist in the insurance company when drawing up an insurance document, or which can be downloaded from the Internet, must be filled out properly.

When a car accident occurs, drivers must fill out a form called an “Accident Notification.”

The European protocol consists of two sheets. The insert copies the data that was entered on the main sheet. After the front side of the form is filled out, the main sheet is separated from the insert.

When drawing up the document in question, the participants in the accident are obliged to comply with the following legal requirements in order to avoid disagreements with the insurance company:

• the document is filled out legibly using a simple ballpoint pen;
• the document should be filled out without erasures or corrections;
• All must be filled out .

Attention! On the front side you need to indicate information about:

• date and location of the car accident (if the car accident occurred on a highway, then the name of the route, as well as the kilometer);
• the number of vehicles that were damaged during a car accident;
• absence of injured persons;
• witnesses of an accident;
• damaged vehicles, car owners, persons driving the vehicle at the time of the car accident;
• motorist insurer, insurance document number, validity period;
• parts and components of the car that were damaged;
• accident diagrams.

It should be taken into account that there are no uniform rules according to which drivers must draw a diagram of an accident. The drawing must be clear and not raise questions for the insurer.

The position of the road section where the accident occurred should be marked on the paper. It must also indicate the names of neighboring streets, numbers of houses located nearby, and also indicate traffic lights, road signs, markings, etc.

In the figure, drivers depict the exact location of the vehicle during an accident. Cars are usually depicted in the shape of triangles and are designated by codes “A” and “B”. The movement of cars in a certain direction is indicated by arrows.

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 (2020). 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 2021, 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.

Changes in legislation

Last year (07/01/2017) legislative changes were made, according to which a new procedure and rules for registering road accidents were adopted, according to which it is not necessary to call the traffic police to the scene of the accident.

Attention! If there are no injured people in a car accident, then motorists are obliged to take the following actions:

• on vehicle braking, during which they must not change the position of the vehicle or elements of the accident;
• to turn on the hazard warning lights;
• to display an emergency sign at the scene of a car accident.

If there are no injured persons in the car accident, traffic police officers will not go to the scene of the car accident. In this circumstance, the participants in the accident may also not contact the traffic police; drivers resolve this issue by filling out a notice.

So, traffic police officers can be called if there are injured persons due to a car accident, or the amount of damage is more than 100 thousand rubles. Here, too, there is no need to involve witnesses in the case; it is enough to have evidence in the form of photographs and videos that recorded the moment of the car accident.

Drivers only need to fill out the notification form themselves, drawing a diagram of the accident, after which they should contact the insurance company (IC), which should make a compensation payment or issue a referral to the victim to repair the car damaged during the car accident.

What to do if you get into an accident without compulsory motor liability insurance?

What to do if the culprit of the accident does not admit his guilt, read here.

How to file a complaint against the actions of traffic police officers, read the link:

How can you file a traffic accident yourself?

“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.

According to the new rules, how can you report an accident to the insurance company?

Previously, each participant in an accident had to submit his own copy of the European protocol to the insurance company.

Starting from October of this year, it will be possible to report an accident through the GLONASS button (satellite communication) or using a special application (in this case, mobile Internet must be available at the scene of the accident) 1 . The “button” and the application will have their own operator, who must process the information and transmit it to insurers. The transfer of information to the operator will mean that the driver has fulfilled his obligation to notify about the accident.

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:

1. 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.
2. 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.
3. 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.

Nuances of the procedure

Correctly registering an accident without the traffic police, in order to obtain insurance, you need to immediately, without leaving the area of ​​the collision. And you should have time to submit an application to the insurance company no later than five days after the incident. All issues between the parties to the accident must be resolved immediately, so that unforeseen circumstances do not arise later. You need to take with you documentation proving the fact of the incident and the innocence of the driver.

We file an accident so as not to be left without payment:

All fields that must be completed are indicated in the notes to the sections. Be sure to write legibly and read the instructions. If the information is unreadable or incorrect, payment may be refused.

Application deadlines

To receive insurance compensation, the owner of the vehicle (or his authorized representative) in 2021 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 applying to the insurance company

Important! To receive compensation payment, the driver must contact the insurance company within 5 days, for which he must stock up on:

• document proving the identity of the applicant. If the driver has foreign citizenship, then he must provide the company with a translation of his passport, certified by a notary or certified by the embassy;
• a power of attorney for a vehicle, if the motorist is not the owner of the car;
• title documents for the vehicle (PTS) or a leasing or rental agreement, the subject of which is the vehicle;
• certificate of accident, which is drawn up in form No. 154. The last document must indicate: a criminal stamp, the full name of the traffic police inspector who issued this certificate, information about the time and place, the circumstances of the car accident, the name of the insurer, the participating cars, the list of damages;
• protocol on the offense;
• notification of a car accident.

Certificates are not needed if a European protocol has been drawn up.

It must be taken into account that:

• no need to put your signature on blank document forms;
• the protocol must contain information about witnesses;
• if the motorist disagrees with the determination of the fact of violation of traffic rules by the official, a protocol is drawn up;
• If a motorist disagrees with the information contained in the document, he is recommended to mark his point of view in the column by crossing out the word “violator” and adding that he is not a violator.

Know! Currently, the law does not require participants in a car accident to call the traffic police if:

• there were no injuries in the accident;
• there is no disagreement between the participants in the car accident regarding the circumstances of the accident;
• if the amount of damage does not exceed 100,000 rubles.

In this case, the accident is registered by the drivers themselves.

If the accident meets certain conditions, it can be formalized by filling out a European protocol, in which drivers are unlikely to encounter any difficulties.

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.

How to avoid problems?

Let’s say the driver has no doubt that it was he who provoked the incident, and the victim offers to file the incident according to the “European Protocol”. In this situation, the first thing you need to do is assess the nature and extent of the damage. Of course, sometimes it is very difficult to determine how much it costs to repair any part of someone else’s car.

In this case, it is advisable to contact the car manufacturer's dealer to have at least an approximate idea of ​​the cost of restoration work. At the same time, you should not trust the victim’s assessment, because he may be wrong. In addition, he may simply lie in order to be able to repair the car without taking into account wear and tear.

If the culprit of the accident has the slightest suspicion that the cost of repairs exceeds the maximum payment under the Europrotocol, the accident should be registered with the participation of traffic police officers.

It will take more time, but the guilty driver will be sure that he will not be subject to financial claims in the future. When registering an accident involving police officers, the maximum payment is half a million rubles. The culprit will have to pay extra for repairing the victim’s car only if the cost of restoring the car exceeds the specified amount.

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

The rules allow you to file an accident yourself. What do you need to know so as not to be left without insurance compensation?

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 2021.

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 loss settlement department, 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)

, we 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 about material damage to other vehicles and property (column 6)

.
We indicate that the accident was registered without a traffic police inspector (column
and report on witnesses, if any
(column 7)
.

Columns 9 to 12

: we write about our 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, please refer to 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 the 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 an o 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

draw the scene 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 culprit is prohibited from repairing his car within 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 has minimal damage - 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.

Registration of the European protocol

Please note! In the event of an accident, the following actions must be taken:

• to stop the vehicle and secure it with the hand brake;
• by turning on the alarm;
• by placing a warning triangle at a distance of more than 15 m from the car within the boundaries of a populated area and 30 m outside it. An emergency triangle must be displayed by each participant in a car accident, otherwise a fine of 1,000 rubles will be imposed on the offender for inaction. (Part 1, Article 12.27 of the Code of Administrative Offenses of the Russian Federation);
• to check the condition of all participants in the car accident and, if necessary, to provide medical assistance;
• calling an ambulance if necessary;
• on video recording and recording the scene of the incident with photographs. It is necessary to record in photographs every damaged part, brake marks, as well as license plates of the vehicles involved in the car accident;
• on call from the traffic police. In this circumstance, the participants in the accident are advised not to touch anything and ensure that other vehicles bypass the scene of the accident;
• on drawing up an accident diagram, which is signed by both participants in the car accident;
• to remove the vehicle from the scene of the accident, otherwise drivers will be fined 1,000 rubles for inaction.

By following the above algorithm, the motorist will perform all the necessary actions provided for by the traffic rules, provide timely medical assistance, and also draw up the necessary documents to receive compensation payments. By following all these steps, the driver will be able to avoid possible penalties and will be able to file an insurance case without any problems.

Special form

Any registration in a simplified form must be done on a special form. Since 2021, the form has changed and the use of old-style forms is impossible. For the same reason, it is impossible to document the incident in any form. Failure to comply with the rule entails the insurance company’s failure to recognize the fact that occurred and refusal to provide payment.

The protocol form is always attached to the MTPL or CASCO insurance policy. But even in its absence, you can use special information databases (for example, Guarantor) and print from there. You can also ask the traffic police for the form.

ATTENTION !!! The form consists of several sheets that are filled out one by one. In this case, the document will have legal force only if all the pages are together. It is necessary to fill out the form as carefully as possible in order to avoid unpleasant situations with the insurer in the future.

You should pay attention to the following nuances:

• It is better to fill in with a ballpoint pen to avoid smearing of the text;
• there should be no corrections or errors on the form;
• The form must be filled out in its entirety; there should be no missing fields.

The form contains the following information:

• information about the location of the accident. You can indicate both the address and the kilometer of the route if the collision occurred outside a populated area;
• about the participants and about the damaged cars. In any case, there cannot be more than 2 of them, since otherwise a call to the traffic police becomes a prerequisite;
• information about eyewitnesses, if any are present and it was possible to obtain contact information;
• information about cars. Provide data from relevant documents;
• information about the insurance policy of each driver;
• a list of damaged vehicle parts, as well as a diagram of the accident that occurred.

There are no special rules for drawing up a diagram, but it should be easy to understand the circumstances of what happened. The image is sketchy and there is no need to draw in detail. Markings should be made so that the cars in the drawing can be easily identified.

IMPORTANT !!! If there are errors in the compiled document, it is necessary to transfer all the information to another form. At the end the signatures of the participants are placed.

An important requirement is that the positions of the drivers match. If, based on the information compiled, it is impossible to determine the culprit or extract other important information, the document cannot be recognized as valid.

When describing, it is necessary to use the terms correctly and state the circumstances in as much detail as possible. If you do not follow the procedure and register an accident without a form, the document will be declared invalid, or you will have to prove your case in court.