Standard list of documents for applying under compulsory motor liability insurance in 2021
Before indicating a sample list of required documents, we will write a few words about who can contact an insurance company under compulsory motor liability insurance.
Many drivers drive cars without being the owners of the car, as many say “by proxy”. Currently, it is not necessary to present such a power of attorney to traffic police officers, but the will of the owner to drive his car is needed in any case. But permission to drive a car does not give you the right to apply for insurance compensation under MTPL. Therefore, it will not be possible to repair the car secretly from the owner.
You can submit documents to the insurance company in 2021 without being the owner of the car according to the documents, but to do this you must have a power of attorney from the owner with the right to represent his interests in the insurance company. And if you also want to receive money, then with the right to receive insurance compensation and awarded money (in case the case goes to court).
Moreover, this power of attorney must be notarized. In general, all documents for insurance are submitted either in original copies or in properly certified copies, usually notarized.
Here is a standard list of required documents with which you can apply for payment to the insurance company.
- Application for insurance compensation or direct compensation for losses under compulsory motor liability insurance - below we will provide the correct sample.
- Passport (identity document) of the beneficiary.
- Notification of an accident.
- Documents from the traffic police (protocol, resolution or determination).
- Documents confirming ownership of the car.
If the car is not registered (I drive under the DCP)?
If you do not have time or deliberately do not re-register the car in your name after purchase, this will not prevent you from receiving an insurance payment.
In this case, you are the owner of the car and have the right to receive compensation. But it is important not to lose the DCP, since this is exactly the document that you will need to provide to the insurance company.
If the car is new?
Despite the fact that in 2021, car dealers were given the right to independently register new cars, there are few such cases, and when purchasing a new car, drivers have in their hands an agreement with the seller and an acceptance certificate for the car.
In the event of an accident, the owner of the new car provides the insurance company with this agreement or DCT with a report. But since these documents are in a single copy, there is no point in giving them to the insurer; they must be certified by a notary and then demand compensation for the costs of certification.
If there is no compulsory motor liability insurance policy at the time of the accident, then this does not affect the list of documents; its presence or absence only determines which company to contact for compensation.
What documents are needed to apply for an MTPL policy?
The list of documents for electronic compulsory motor liability insurance is the same as for a paper policy. It depends on the owner of the car (individual or legal entity), vehicle parameters, number of drivers and other conditions. You can check with their support service for a complete list of documents that your insurance company may require.
For individuals
An individual must provide the following documents to register a MTPL vehicle of any type:
- Vehicle owner's passport
- Technical device passport
- Vehicle registration certificate
- Driver's licenses of all drivers who will be included in the insurance
For legal entities
A legal entity, in turn, will be required to provide:
- Certificate of registration or extract from the Unified State Register of Legal Entities
- Technical device passport
- Vehicle registration certificate
- Driver's licenses of all drivers who will be included in the insurance
If the policy is issued with an unlimited number of drivers, then you do not need to present a driver’s license.
Additional documents
If compulsory motor liability insurance is issued for a used car, the insurer will also need a diagnostic card. It will confirm that the machine is in good condition and meets the requirements. A diagnostic card is issued after passing a technical inspection at an accredited service station.
If the driver is not the owner of the car, he will need a power of attorney. It must indicate permission to drive transport. The power of attorney must be certified by a notary.
What documents are needed if there are no injuries or fatalities in an accident?
An accident in which only cars were damaged is a common occurrence, most of them are like that. The set of papers for the insurer will also be ordinary; collecting it will not be difficult. Here is their complete list - it is regulated by clause 3.10 of the MTPL Insurance Rules!
Passport
First of all, you will need a document proving the identity of the beneficiary - that is, the owner of the car. Please note that a driver's license, for example, is not such a document - in general cases it is only a civil passport.
Registration certificate
SoRTS shows who the car is registered to. But it does not legally confirm ownership. Despite this, in practice it is this document that insurers require for payment.
If you strictly follow the letter of the law, then it is more correct to provide a purchase and sale agreement with a set of documents. It is the DCT that confirms ownership of the damaged vehicle.
But, having provided such a set of papers, you may receive a refusal from the insurer to pay with the justification that you did not provide the complete set and you will be asked to report the SoRTS.
However, this situation can be used to your advantage. It's no secret that most drivers still want to receive payment under compulsory motor liability insurance instead of repairs. Providing a policy with an application for payment is an almost ideal way to receive money. In this case, according to the law, you are absolutely right, but the insurer with the requirement for a certificate is wrong. And if the insurer misses the deadline for issuing directions for repairs in this case, it gives the full right to compensation in monetary terms.
Driver license
Some insurance companies, and most often their representatives (who inspect the car and accept documents) require a driver’s license to be provided with the application for compulsory motor liability insurance.
If you are the beneficiary and were driving yourself, then when submitting the documents in person, it will not be difficult to give your driver’s license, but again... There is no driver’s license in the list of documents, and its transfer to the insurer is entirely at your discretion.
State Traffic Safety Inspectorate certificate
Officially, road accident certificates have been abolished and they should no longer be issued or required, but we have a large country, perhaps in some places such documents are still issued by the traffic police. If you have such a paper in your hands, then the certificate will have to be submitted to the Investigative Committee.
In some places this document was named a little differently (for example, an appendix to the resolution), but in form and content it was still the same certificate.
Resolution, definition and/or traffic police protocol
In 2021, the traffic police officers who filed your accident are required to issue you one of the documents:
- administrative violation protocol,
- resolution,
- order to terminate the case,
- ruling on refusal to initiate proceedings regarding an administrative offense.
You will have a certified (with traffic police stamp) copy of the paper. These documents must contain all the information that was previously indicated in the accident certificate:
- about who was involved in the accident,
- on which cars,
- machine data,
- driver data,
- owner data,
- list of damages.
All this data is not only necessary for the insurer, but the victim will also need it when filling out the notice.
Notification of an accident
If the incident is registered in a simplified manner, without calling traffic police officers, then drivers at the scene of the accident fill out a “European protocol”. In general, this is a colloquial term that is usually used by road users, but in fact, this is still the same notification of an accident, which is indicated in the list of necessary documents for applying for payment under compulsory motor liability insurance.
And if the accident was registered by employees, this does not mean that an accident notice does not need to be filled out and submitted to the insurer.
In any case, it must be filled out, indicating all the information that the victim will have at the time of application. If some information is unknown, for example, the driver’s license details of the second participant, then you simply do not need to fill them out.
It is not necessary to use the form that is issued when concluding an MTPL agreement; the notification form is standard; it can also be filled out electronically, then printed and signed.
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Application for payment
The application form is also standard and approved by the Central Bank, because it is an Appendix to the MTPL Rules.
You can fill it out electronically in advance - it’s calmer and you always have the opportunity to correct it if you make a mistake.
Be sure to indicate the documents that you are attaching to the application and write in what form, original copies or notarized copies.
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Power of attorney
If the application is not submitted by the owner (beneficiary), then it is necessary to have a power of attorney, which will specify all the necessary powers. It is better to immediately register the right to hand over the car for repairs and accept it after repairs, because there may not be a monetary payment, but a power of attorney costs money.
By the way, they will also need to be asked to reimburse them, because these are expenses necessary to receive the payment.
Insurance policy
There is no need to submit a policy to the insurance company, because all information about them should be contained in the AIS RSA database, and even more so, there may not be a paper policy.
Do you need a PTS?
The situation with the PTS is similar to the situation with the registration certificate. Some insurers require you to provide it, because it contains information about the owners of the vehicle. Despite this, a vehicle passport is not a document confirming ownership.
Documents for paying for a tow truck
Compensation is subject to not only the damage caused, but also the expenses that the victim was forced to bear, for example, for the evacuation and storage of the car. Documents about these expenses must be included in the submitted package, and reimbursement must be written in the application.
Application for TCB
If the damaged car was new or relatively new (up to 5 years), then you will have to supplement the set of documents with a statement of loss of marketable value. A sample of this statement can be found in the corresponding article that we published earlier. At the same time, it would not be superfluous to read about the TTS and its calculation.
As a result, we present all the documents listed above in tabular form for your convenience.
Table of documents for applying under compulsory motor liability insurance
| Document | Mandatory by law? | In what cases is it needed? |
| Refund Application | Yes | In all for the victim. |
| Beneficiary's passport | Yes | In all |
| Resolution on violation by the culprit or determination and protocol | Yes | Of these 3 documents, you will need what you will be given by the traffic police. |
| Notification of an accident | Yes | In all cases, you will need to fill it out using the approved form. |
| Purchase and sale agreement for a car | Yes | The law requires a document confirming ownership of the car. But for insurance companies, it is often enough to see a registration certificate or PTS. |
| Driver's license | No | The insurance company may require it from you. However, in clause 3.10 of the Insurance Rules it is not in the list of mandatory ones. |
| Power of attorney | Conditionally | This document will be required only if it is not the owner of the car who is applying for compulsory motor liability insurance. It must be formalized in accordance with the law, most often with a notary. |
| Certificate of accident | Conditionally | If you were given it by the traffic police, then you need to provide it. But in 2021, all the information necessary about the incident is more often indicated in information about the accident or other documents. |
| Insurance policy | No | Insurance companies often require paper insurance, but the law does not include it in the list of required documents. |
| Registration certificate | No | The situation is similar to insurance - it is not required by law, but insurers almost always require it. But read above about PrEP - a certificate can replace a contract according to the unwritten rule of insurance companies. |
| PTS | No | Also not required by law. |
| Documents confirming payment for the tow truck or payment for storage in the parking lot | Conditionally | If you called a tow truck due to an accident and want to receive compensation for its cost, then such documents are required. The costs of storing the damaged car are also reimbursed (from the insurance company - only until the date of inspection, the rest from the culprit). |
| Application for reimbursement of TCB | Conditionally | If your car is less than 5 years old and you want to be compensated for the loss of marketable value, then you need to write a separate application for this. |
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Due to the development of technology, today it is not necessary to visit the office of the insurance company in person. It is enough to select a suitable organization, go to the website and send the necessary documents to issue an electronic MTPL policy through a virtual personal account. In this case, it is not necessary to attach scanned copies. The main thing is to fill out the form correctly, indicating current data. Particular attention should be paid to the number, series, and expiration date. Even minor typos or errors can cause a refusal to issue a vehicle license.
To conclude an agreement, you must present originals or electronic copies of:
- Applications for issuing a policy
- Vehicle owner's passports
- Registration certificate or title for the car (if the policy is issued again)
- Ownership rights to transport (if the car is not registered) or agreements with the owner of the car (if the vehicle is leased)
- Diagnostic maintenance card. All vehicles over three years old must undergo a technical inspection.
- Driver's license of the owner or person authorized to drive transport
- Current insurance (if available)
The completed policy can be printed, ordered to be delivered to your address, or received at the office of the insurance company.
Nuances of providing papers for car insurance
The new car will be registered with the traffic police only after concluding an agreement with the insurer. If you purchase a new car, the car owner is required to take out insurance within 10 days from the date of purchase of the vehicle, otherwise the vehicle will not be registered.
Who is eligible to take out insurance?
Let's figure out who can visit the office of an insurance company or apply for insurance online. According to the current legislation, the policy is issued in the name of:
- Vehicle owner
- A driver driving a car in agreement with the owner
Depending on the status of the insured person, his data is entered into the contract in the appropriate columns: “owner” or “policyholder”.
List of documents if there are victims
In addition to the standard set of papers described above, the victim in an accident will need to provide the documents specified in paragraph 4.1 of the MTPL Rules.
At the same time, there are 2 main groups of these documents: specifically on harm caused to health and on lost earnings in connection with this.
We have a special article on how to correctly apply for compensation for personal injury.
For harm to health
- Help from the ambulance station . If one of the participants in the accident, who has the right to demand compensation for damage to health, was not seriously injured, and doctors provided assistance to him at the scene of the accident, then it is necessary to find out from these doctors which team provided assistance. This information will be useful when the victim receives a certificate at an ambulance station.
- Documents from a medical organization . When injuries do not allow medical assistance to be provided at the scene of an accident, the victims will be taken to the hospital. After or during treatment, documents will be issued indicating the nature of the injuries and damages, diagnosis and period of incapacity. This can be one or more documents, for example, a medical history (or an extract from it), a certificate of incapacity for work, a discharge summary, and the like.
- Certificate of disability . If the victim has been diagnosed with a disability or the category of “disabled child,” then it is necessary to attach a certificate about this fact, if such a certificate exists and has been issued.
- Conclusion of the examination . Another document that is included in the list, but is provided only if available, is a forensic medical examination report on the degree of loss of professional or general ability to work.
Lost earnings (income) and additional medical expenses
It can take quite a long time to treat and restore health after an accident, and during this entire period you can receive payment of lost earnings or income.
But for this, of course, it is necessary to confirm its size with a certificate of the average monthly amount. Scholarships, pensions, and benefits are also taken into account. If it is not possible to obtain such a certificate, then other documents confirming the income of the victim may be taken into account.
Additional treatment costs include expenses for purchasing medications and paying for services in a hospital or other medical organization. Their carrying will need to be confirmed by documents (checks, contracts, payment orders and other possible ones).
If there are dead
When people died in an accident, the persons specified in paragraph 4.4 of the Rules on Compulsory Motor Liability Insurance can apply for insurance compensation. As a rule, these are relatives of the deceased or persons who were dependent on him.
In addition to the standard list of documents, the following are provided.
- A statement containing information about family members of the deceased and persons who were dependent on him.
- A copy of the death certificate.
- Documents related to the deceased being dependent on someone.
- Marriage certificate (if the spouse applies for payment).
- Birth certificate of the child(ren) (if children apply for payment).
We will not list all the documents from paragraph 3 above - there are a lot of them, but you can find out about them in paragraph 4.4.1 of the OSAGO Rules.
Separately, funeral expenses are reimbursed in an amount not exceeding 25 thousand rubles. The incurrence of such expenses must be confirmed by relevant documents.
What documents does the policyholder receive?
The policyholder who has entered into an insurance transaction will be provided with the following documents in 2021:
- OSAGO form.
- List of compulsory insurance rules.
- Insured's memo.
- Receipt of payment.
It is important to note that in 2021, an electronic MTPL policy has the same legal force as a printed form. In addition, in 2021 it will no longer be necessary to carry a printed electronic policy with you; its availability and authenticity can be easily checked using the RCA database online.
From the moment of transfer of all papers, the newly purchased OSAGO policy comes into force. The document is valid until the period specified in it. Upon expiration, the policy must be reissued.
The insurance company requires something that is not in the 2021 legislation - what to do?
The question of what to do is an eternal one. But the answer in our case is simple. Either provide the insurer with the requested documents or not. Everything will depend on the specific circumstances and your desire.
If you need to receive insurance compensation as early as possible and without problems, then you can avoid wasting time on disputes and disagreements with the insurer and convey what is required.
Well, if this is a matter of principle or there is a desire to receive a cash payment with the possibility of collecting a penalty, then the illegal demands of the insurer can be ignored.
The procedure for obtaining an MTPL policy in 2021
To correctly and quickly issue an MTPL policy, the car owner should adhere to a certain algorithm of actions. This sequence is presented step by step below:
- First you will need to decide on the choice of insurance company. You should not resort to the services of little-known small companies in order to save several hundred rubles. Such offices may simply engage in fraudulent activities - this will result in an invalid policy, which will lead to very significant problems in the future.
- After choosing an insurer, you need to prepare the appropriate documentation package. All necessary documents are listed in the relevant part of this article - however, if you have doubts about this, you can call the manager of the insurance company and consult on all the questions that have arisen.
- Upon completion of collecting documents, you will need to visit the office of the insurance company. Fill out the application form on site and give the required documents to the employee. If you don’t want to waste time going to the insurance company, then you can apply for an MTPL policy via the Internet (on the website of the company you are interested in or through the State Services portal). There is nothing complicated about applying for an MTPL policy online – you just need to follow all the prompts that appear on the website.
- Wherever insurance is taken out, the end result will always be a completed policy. In the case of visiting the office, the citizen will receive a paper OSAGO policy with a company stamp and a state sign. When applying for insurance via the Internet, the policy will be sent to the specified E-mail address in electronic form - you can later print it out (no need to certify anything).
What is the deadline for submission?
It is better to apply for compensation under compulsory motor liability insurance as quickly as possible, because the date of receipt may be delayed for a year or even more (if you have to defend your interests in court).
It takes approximately the same amount of time to collect the necessary documents (in cases of injured and dead people). But in any case, the limitation period of 3 years will not begin to count until you contact the insurer for payment.
If somewhere you hear information about the obligation to submit a full list of documents within 5 days from the date of the accident, then this is not true. The legislation current for 2021 simply does not have such a requirement for the victim.
How to submit an application to receive a payment?
You can submit an application with all documents during a personal visit or send it by mail (courier). The main thing in both cases is to do everything right.
On a personal visit
- Before submitting a set of documents, take a photo or copy the entire set.
- When handing over documents in a single original copy, make sure that they make copies and give you the originals (passport, DCT, SoRTS and others).
- Monitor and check that in the document acceptance and transfer certificate, which the insurance employee will fill out, everything is indicated correctly, including the dates.
- Get a copy of the act.
When sent by mail
- Notarize copies of the necessary documents (passport, DCP, SoRTS and all others).
- Before sending the letter, photograph or copy all documents.
- It is imperative to send a letter with a list of attachments, in which you write in detail what documents are being sent, indicating whether it is an original or a certified copy.
There is a separate article on our website about how to properly apply for compensation, payment or repair.
Features of issuing paper and electronic policies
Both policies have the same legal force. If a paper version of the policy is issued, the policyholder personally fills out an application on the form of the insurance company and receives an A4-format letterhead with an official seal and the signature of both parties.
The electronic version of the policy can be downloaded and printed on A4 paper, or you can present the insurance number to traffic police officers if necessary. You can check the authenticity on any official service of the company that is part of the RSA, or on the website of the Russian Union of Auto Insurers. In this case, you do not need to write a statement. If there are any doubts, an employee of the insurance company will tell you which original documents for the compulsory motor liability insurance policy will need to be additionally brought to the office.
What do you need to have with you? persons?
Legal organizations or individual entrepreneurs are required to provide:
- Inspection pass card
- Vehicle passport or certificate of ownership of the vehicle
- Power of attorney from the owner of the company (general director or his deputy) addressed to the applicant
- Application for concluding a contract
- Extract from the Unified Register of Legal Entities. persons
The applicant must have with him a seal of a legal entity, or a notarized power of attorney from the owner of the vehicle. For more detailed information on obtaining an MTPL policy for an individual entrepreneur or a representative of a legal entity, see the website of the insurer.
There is no need to make additional payments to make changes to your insurance. If the insured person’s personal data has changed (he changed his last name, first name or patronymic), or you need to add one more driver, just go to the personal account of the insurance company and write a corresponding application. If you have a paper policy, changes are made directly at the company’s office.
What should I do if I do not have the required papers?
You can wait quite a long time for documents from the traffic police or the court. But the victim is not prohibited from applying for compensation without a complete set of documents. The insurer will have to inform you about what is missing either at the time of application or within three days (if you received the documents by mail). The missing documents can be submitted later.
Regarding the inspection, it is better to ask for it to be carried out immediately, because this way the damage will be recorded on a date close to the date of the accident. Yes, something may happen to the damaged car while you are waiting for documents, in which case, without photographs, it will be difficult to determine and prove the amount of damage initially caused.
What to do if you are not satisfied with the amount of compensation?
I’ll say a few words about how to act to receive insurance compensation in full.
The procedure is no longer new, and you first need to contact the insurer with a statement of disagreement. If the insurer does not satisfy your requirements (which happens most often), then send a similar request to the financial ombudsman. If he cannot or is not satisfied with the decision, then he will have to sue the insurer, and possibly also the person at fault for the accident.
You can read more about all this in our previous articles about applying for compensation under MTPL.
