How to properly apply for compulsory motor liability insurance after an accident? Complete instructions 2021

The car has become an integral part of the life of a modern person. Convenience, speed of movement and saving time are why most citizens prefer personal transport to public transport. Every year more and more cars appear on the roads, which is why the number of road accidents is also increasing.

To prevent accidents and ensure safety on roads, the actions of all road users are of great importance. What is the model of behavior in case of a car accident, what to do if you are involved in an accident, how to escape from a sinking car - we will consider in more detail in this article.

Procedure in case of an accident

The first action in case of an accident is to completely stop the car to visually assess the nature and extent of the damage. After this, the emergency alarm is turned on and a special sign is installed at a distance of 15 m. If there are victims, then first of all you need to call an ambulance, and then notify the traffic police about the incident. What is important to consider:

Record all circumstances on video or photos before law enforcement arrives.
Do not leave the scene of the accident and do not move the vehicle.
Notification of the insurance company. This can be done by calling the phone number indicated on the policy form.
Search for witnesses. Determine their number, write down the phone number, personal contacts, addresses, take a brief written testimony.
Copy and save DVR recordings.

After registering an accident, the traffic police officer must read the text of the protocol presented and sign the document, but only if there are no contradictions. You should pay attention to the traces of the accident, especially if the incident occurred in bad weather (snow, mud, fog).

Important! An emergency sign should be installed before the traffic police arrives, otherwise the driver will face a fine of 1,000 rubles.

The procedure for registering an accident under the new rules in 2021

On August 23, 2021, the Ministry of Internal Affairs of the Russian Federation approved new Administrative Regulations. He recorded the duties of traffic police officers when registering an accident. The adoption of the new regulations has changed the procedure that traffic police representatives must follow upon receiving a report of an accident. In particular, the need to draw up a certificate of a traffic accident has disappeared.

The document is no longer provided separately. And the correct registration of an accident by traffic police officers according to the new regulations occurs according to the following scheme:

The participant in the incident calls the traffic police - to do this, you need to call the service department by phone. The number may vary depending on the mobile operator. If the driver is a Beeline client, you need to call 002; MTS, U-tel, TELE2 and Megafon – 020; Skylink and Motive - 902. There is also a general number that allows you to call the police, ambulance, firefighters or rescuers. To do this, you need to call 112 (911 for Beeline subscribers). There is no charge for the call. You can call the above services even with a negative balance.
Having arrived at the scene of the accident, traffic police inspectors are obliged to inspect it, trying to take into account all the details of the accident. If required, the area where the accident occurred is fenced.
Representatives of the authorized body determine the number of victims, provide them with first aid, if required, and organize the delivery of the wounded to medical institutions. The inspector has the right to stop a passing car and demand that the victim be taken to the hospital.
The traffic police representative determines who is involved in the accident and records the personal information of the drivers. Additionally, the presence of witnesses is revealed. If they are present, a survey is carried out. The statements and personal information of witnesses are recorded.
Photo and video recording of the accident site and vehicles is carried out.
If one of the participants in the accident fled, the probable direction of movement is established, as well as information about the vehicle. The information is immediately transmitted to the duty station.
The necessary measurements are taken. Based on them, an accident diagram is drawn up.
The protocol is being filled out. The document is provided to the participants in the incident for review. If drivers agree with the information provided, they sign.
Each driver gives his own version of what happened. Information is recorded in writing.

If no one was injured as a result of the accident, one of the drivers does not deny his guilt, and state property is not damaged, the traffic police officer can only record the fact that the accident occurred. In this case, no documents are drawn up, however, the participants in the accident will have to visit the office of the State Road Safety Inspectorate in order for the accident investigation team to carry out the registration of the accident. This procedure is often used to ensure that cars damaged in an accident do not interfere with the movement of other vehicles.

If a person is involved in an accident, he will have to undergo an examination for alcohol intoxication. Clause 2 of the Government of the Russian Federation No. 475 dated June 26, 2008 states:

The driver of a vehicle in respect of whom there are reasonable grounds to believe that he is in a state of intoxication, as well as the driver in respect of whom a determination has been made to initiate a case for an administrative offense under Article 12.24, is subject to an examination for alcohol intoxication and a medical examination for the state of intoxication. Code of the Russian Federation on Administrative Offences.

The procedure can be performed directly at the scene of the accident. To do this, traffic police officers will offer those involved in the accident to “breathe into the tube.” If more serious testing is required, drivers are referred to a medical facility. If for some reason the test for intoxication was not carried out immediately, it will be carried out later.

Registration of an accident involving a traffic police officer

Actions in case of an accident under compulsory motor liability insurance in 2021 depend on whether there are victims. If one of the parties received life-threatening or even mild injuries, a traffic police officer must be called. What to do in this case:

Stop driving completely, leave the vehicle and assess the scale of the accident.
Determine the presence of victims and the need for first aid. Call an ambulance immediately.
Deliver the victim to the hospital if the ambulance team is delayed or cannot get to the place due to a traffic jam.
Leave the other party or eyewitnesses of the accident, who will wait for the arrival of traffic police inspectors, with your personal information. Explain the circumstances of leaving the scene of the accident. As a valid reason, this may be the threat of termination of pregnancy, the need to take the person to the emergency room (a severed limb or finger). Go back.
Draw up a diagram and give explanations to the police. Sign the protocol.

If there is no need to leave the scene of the accident, then the position of the vehicle after the impact should be recorded.
For this purpose, ordinary mobile phones, video recorders, and cameras are often used. It is worth paying attention to all the key details that confirm or refute guilt. It is important to know what documents are provided to the driver after the incident is registered. The duty of police officers is to issue a copy of the protocol, which describes all recorded events. If there are disagreements, then you should not sign it. You should ask to correct any inaccuracies or provide additional information.

Simplified documentation of road accidents without authorized traffic police officers (Europrotocol).

In the Law on OSAGO Art. 11.1. The procedure for processing documents about a road traffic accident without the participation of authorized police officers is carried out in the manner established by the Bank of Russia, if the following circumstances exist simultaneously:

a) the accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers);

b) as a result of an accident, damage was caused only to property;

c) civil liability of owners who are insured in accordance with the MTPL Law;

c) the circumstances of harm in connection with damage to vehicles as a result of a traffic accident, the nature and list of visible damage to vehicles do not cause disagreement between the participants in the traffic accident and are recorded in the notification of the traffic accident, the form of which is filled out by the drivers involved in road traffic accident of vehicles, in accordance with the rules of compulsory insurance.

The sequence of actions of participants in an accident when registering an incident according to the Europrotocol scheme

Call your insurance company and file a claim.
Together with the second participant in the accident, fill out the front side of the Notification of the Road Accident (Euro Protocol).
Divide the Notice of Road Accident into two equal sheets - one identical sheet for each participant in the accident (the self-copying part is considered completely identical to the first sheet).
On your Accident Report sheet, fill out the back side.
No later than 60 minutes after the accident, take photos and videos of the accident site, record the coordinates of the accident.
Fill out a statement that the information specified in paragraph 5 is uncorrected (drawn up in free form).
If there are witnesses to the accident, write down their full names and contact information.
Deliver your copy of the Accident Notice to your insurance company no later than five days from the date of the accident.
If the culprit of the accident is the second participant in the accident, and you are the injured party and are claiming insurance compensation, attach a claim for insurance compensation to the Notification of the accident.
Do not repair or dispose of your vehicle before 15 calendar days have passed from the date of the accident (excluding non-working holidays) without the written consent of the insurance company.
At the request of the insurance company, provide the vehicle for inspection or technical examination no later than five days from the date of receipt of such a request.

Procedure for registration of the Europrotocol

When applying for an MTPL policy, the insurance company is obliged to issue you with at least two accident notification forms. A notification of an accident is a mandatory document for the procedure for independently preparing documents for recording the fact of an accident without calling the police according to the European Protocol, which must be filled out by the participants in the accident.

Each copy of the Road Accident Notice consists of two copies, sealed with self-copying sheets that have information to be filled out on the front and back sides.

Instructions for filing a notification of an accident by both participants

The front side is jointly filled out and signed by both participants in the accident.

After filling out the front side of the Road Accident Notice, it is separated and each of the participants in the road accident takes one copy of the completed Notice.

There is a declaration form on the back of the Accident Notice. Both participants in the accident are required to independently fill out the reverse sides of the Notice. This data allows you to obtain additional information necessary for the investigation of the insured event.

The Notice is considered completed if the copies of the Notice are separated, filled out on both sides and signed by the participants in the accident.

Rules for filling out the Europrotocol:

To obtain a clear imprint on the second copy of the Notice, fill out the document with a ballpoint pen. Do not use a gel pen or pencil as... The notes they make may become blurred or erased.
Please fill out the form in legible handwriting or block letters.
Do not make erasures or corrections in notes to avoid ambiguous interpretation of what is written.

If you do not have enough space for entries on the Notice form, you can additionally fill out an appendix to the Notice using a blank sheet of paper. On the Notice form, make a note “with attachment”, on an additional sheet – mark “appendix”, indicate what this attachment is for and who made it.

Attention! The application is issued in two copies!

Be sure to deliver your copy of the Accident Notice to your insurance company no later than five days after the accident!

Further actions of the participant in the accident who is guilty of the accident (the Cause of Harm):

a) The Road Accident Notification form completed by the driver involved in the accident must be sent within 5 (Five) business days to the insurance company that insured the civil liability of the participant in the accident.

b) Do not begin repairing the damaged vehicle until 15 (Fifteen) calendar days have passed after the accident, or until you have received written consent from the insurer to repair the vehicle. In accordance with the requirements of the legislation on compulsory motor liability insurance, in the event of registration of an accident without the participation of authorized traffic police officers, you are obliged to present the damaged vehicle for inspection if such a request is received from the insurer.

Further actions of the participant in the accident who is not guilty of the accident (Victim):

Submit a written statement about the event to PROMINSTRAKH LLC at the address - 127051, Moscow, Karetny B. Lane, 20, building 3, floor 1, room. IV, office 1 (office hours: Mon.-Thurs.: 9.00-18.00, Fri.: 9.00-16.45) or branches of the insurance company (the insurance event application form is available on the website).

A written statement about the occurrence of an insurance event under MTPL can be submitted by the following persons:

The owner of the damaged property;
Another person authorized by the owner of the damaged property to perform these actions on the basis of a power of attorney. A power of attorney for the right to submit an application, submit the necessary documents and property for inspection in the event of an insured event can be issued by the owner of the property either in a simple handwritten form or notarized, and the power of attorney must contain a sample signature of the Applicant! If the owner of the damaged property is a legal entity, then the power of attorney must also be certified by the seal of the organization and the signature of the responsible person of the organization. Filing an application for an insurance event under MTPL by a person who only has a power of attorney to drive a vehicle is not allowed!

For non-residents (citizens who do not have Russian citizenship), it is necessary to provide a notarized translation into Russian of documents for damaged property and identification documents. The translation must be certified by a notary.

2. At the same time, when submitting an application, the Victim must provide the following documents to PROMINSTRAKH LLC:

identification document of the Victim/applicant;
power of attorney from the Victim for the right to represent his interests in PROMINSTRAKH LLC (if the application is submitted by a representative of the Victim).
bank details of the recipient of the insurance compensation;
the Notification of Road Accident form filled out by the driver involved in the accident (on both sides);
documents confirming the Victim's ownership of the damaged vehicle or the right to receive insurance payment in case of damage to a vehicle owned by another person (vehicle passport or vehicle registration certificate);
documents confirming the costs of evacuation of the damaged vehicle, if the Victim requires reimbursement of the corresponding expenses (evacuation order and cash receipt/receipt). In this case, the costs of evacuation of the vehicle from the scene of the traffic accident to the place of its repair or storage are subject to reimbursement;
documents confirming the provision and payment of services for storing the damaged vehicle, if the Victim requires reimbursement of relevant expenses (receipt for storage of property and cash receipt). In this case, the costs of storing the vehicle from the date of the accident until the day the Insurer conducts an inspection of the damaged property or an independent examination are reimbursed.
the conclusion of an independent examination on the amount of damage caused or the conclusion of an independent technical examination on the circumstances and extent of the damage caused to the vehicle, if such an examination was organized independently by the victim (provided only if the insurer did not schedule an inspection within 5 (Five) days after the written application of the victim) .
Documents confirming payment for the services of an independent expert, if the payment was made by the victim (provided only if the insurer did not schedule an inspection within 5 (Five) days after the written application of the victim).
Other documents that the Victim has the right to submit in support of his claim for compensation for the damage caused to him, including estimates and invoices confirming the cost of restoration of damaged property.

Attention!

The insurance company has the right to request additional documents regarding the insured event to settle the loss.

3. Upon the direction of the insurance company, the Victim must provide a representative of an independent expert organization with the damaged vehicle for inspection and evaluation.

Upon submission of a complete set of documents and inspection of the damaged property within the period established by law, PROMINSTRAKH LLC will make a payment in accordance with the expert assessment of an independent expert organization.

Independent registration of an accident (Euro protocol)

New rules for registering road accidents in 2021 allow you not to call the police if there are no fatalities. In this case, the parties, by mutual agreement, fill out the European protocol independently. This is a special notice provided for under MTPL insurance. A prerequisite for its use is minor damage that was caused to the other party and the presence of no more than 2 participants. If there are no injuries in an accident, in 2021 the driver’s procedure is as follows:

Full stop after a collision, inspection of the scene.
Record what happened in a photo or video: you can use a mobile phone camera for this.
Fill out a notification of the incident yourself, sequentially entering all the data.
Note the damage caused and the absence of the need to call the police, in the form of the agreement of the parties to compensate for the damage.

After all the actions, the vehicle can be removed from the road, which avoids creating traffic jams due to minor collisions in which there are no casualties. If the original form is not available, you will have to fill out the protocol according to the European standard in two copies.

If there are victims in an accident

The procedure for accidents in which there are casualties will be completely different. In this situation, issuing a European protocol is unacceptable, and the police must be called. It is strictly forbidden to leave the place, as this will lead to harsher punishment. What should participants in such an accident do:

Stop the vehicle and turn on the hazard lights.
Get out of the car and find out if there are any injured passengers or the other driver.
Do not change the position of objects related to the accident.
Do not try to hide from the place or drive off to the side of the road until the moment of photographic recording.
Call an ambulance and try to provide first aid.
Notify the State Traffic Inspectorate that there has been a collision with a pedestrian.

Upon arrival at the scene of the accident, police officers record information about all participants in the incident and first identify the culprit. It is not always the one who crashed, since there are non-contact accidents when another car cut off at a gate or intersection. Inspectors are also looking for eyewitnesses, interviewing them, and collecting contacts.

Car crashes

75% of all accidents occur due to non-compliance with traffic rules, 80% of victims die on the spot or due to blood loss. Neglecting road signs and speed limits, driving a vehicle while intoxicated are the main causes of road accidents. Car malfunctions and bad roads often lead to accidents.

If a collision is imminent

First of all, you need to maintain composure, tense up and try to avoid the impact - drive the car into a ditch, bush, tree. This is better than colliding with an oncoming vehicle. It is safer if the impact is directed at the fender (right or left) than across the entire bumper.

If an impact is unavoidable, you should protect your head, press into the seat and brace yourself against the steering wheel. In this situation, the passenger in the front seat should fall on his side, and the passenger in the back seat should fall to the floor. The child must be covered with your body.

After a collision, you need to make sure there are any injuries or not and try to get out of the car. If the doors are jammed, you should get out through the windows. Once outside, you need to move away from the car, as an explosion is possible.

If the car gets into water

When the car falls into the water, it still stays afloat for several minutes. If you act quickly, this will be enough time to get out through the window. You can’t open the door, otherwise the car will sink faster. When the car is immersed to the bottom, the air will remain for several minutes while the interior is completely sealed. Taking advantage of these minutes, you need to get rid of your clothes, take documents, money, and, after taking in air, get out of the car. You should get out when water fills half the cabin, otherwise its flow will interfere with evacuation.

How to protect yourself when traveling on public transport

When entering public transport, you need to make sure there are emergency exits. The safest place in the absence of seats is the center of the cabin. You need to stand, holding tightly to the handrail. In trolleybuses and trams, safe places are seats.

Since there may be a crush in the doors during an accident, it is better to use the emergency exit. In the event of a fire, the driver must be notified and, if there is a fire extinguisher in the vehicle, measures must be taken to extinguish the fire. You need to get out, protecting your respiratory organs with clothing, bending down and not touching the metal parts of the cabin. If the bus falls into water, you need to wait until the cabin is half filled with water, hold your breath and emerge through any open doors, windows or emergency exits.

What not to do in case of an accident

When an accident occurs, many people are afraid of the serious consequences and try to hide. This becomes the reason for drawing up a resolution and bringing the culprit to justice. The court determines the punishment based on the evidence provided, eyewitness testimony and examination. If a person got scared, left, but then immediately returned and notified the traffic police about what happened, the sanction will be more loyal. What else should not be done in the event of an accident:

Be nervous and try to hide traces or evidence. This often happens when an accident results in the death of one of the participants.
Attack the culprit and try to injure him.
Move vehicles, bodies or other objects related to the accident before the arrival of the traffic police or insurance commissioners (if there are no injuries).
Do not perform the prescribed actions in the event of an accident.

Often mistakes are made by people who have expired compulsory motor insurance or who are responsible for the accident. In such a situation, the punishment may be increased. You should also not sign blank forms of documents or try to resolve the issue “outside the law.”

Train accidents

The main causes of accidents in railway transport are faulty tracks, trains, centralization and blocking, signaling equipment, as well as driver negligence and dispatcher errors. Frequent accidents include train derailments, collisions at crossings with obstacles or collisions, explosions and fires in cars. At the same time, traveling by train is 3 times safer than traveling by plane and 10 times safer than traveling by car.

Preventive rules for traveling on railway transport

Safe places in a train include central cars, compartments located near the exit, and lower shelves. Once in the carriage, you need to find out where the fire extinguishers and emergency exits are located. Compliance with basic safety rules will help reduce the level of potential danger. In particular, smoke only in special places, do not use the stop valve unless clearly necessary, do not transport flammable or explosive substances, etc.

How to act in the event of an accident on railway transport and after

In the event of emergency braking or an accident, you must either grab the handrails or drop to the floor.

After the train stops, quickly get out of the car to the left side through any doors, windows or emergency exits, taking documents, warm clothes and money.

If a fire occurs, you should close the windows and go to the last car of the train. To prevent the flames from spreading, close the doors behind you. When going out into a smoky corridor, you need to protect your mouth and nose from getting toxic smoke into your lungs by using a cloth moistened with water. Once outside the train, you must immediately join the rescue efforts and provide assistance to the victims.

If there is a fuel spill, you need to move as far away from the train as possible, because... Possible fire or explosion. If a current-carrying wire breaks, you should move away in jumps to avoid step voltage, at a distance of 30 meters if the ground is damp and 2 meters if it is dry.

How can the emergency commissioner help?

If you are not confident in your abilities or cannot complete the paperwork after an accident on your own, you should call a qualified specialist. Insurance commissioners deal with these issues. What are they doing:

Inspect the scene of the incident and call an ambulance if necessary.
Provide pre-medical and technical assistance.
They provide assistance to police officers, objectively record what happened, take photographs of the accident, and record everything on video.
They help with paperwork and filing applications with insurance companies.
An emergency certificate is drawn up.

Emergency commissioners are a fairly new phenomenon in Russia, and many simply do not know about them. Avarcoms are a kind of assistants who assist motorists in difficult situations without taking either side.

If the culprit escaped

If the culprit flees the scene of the accident, this creates additional danger. The witness or victim must report this fact when calling the police. They, in turn, use all available tools to find the culprit. He faces liability for the accident itself and, in addition, for leaving the scene of the accident, which includes deprivation of his license for up to 1.5 years.

Knowing what to do if you get into an accident, it’s easy not to get confused at the most crucial moment and follow all the procedures prescribed by law. If there are no victims and neither party is injured, then there is no need to call the police. All disputes can be resolved on the spot under the MTPL or CASCO policy by filling out the European protocol yourself. It is a special notice of what happened and involves compensation of no more than 100 thousand rubles.

What to do if your payment was refused or you paid little?

It is possible to sound the alarm already 21 days after the day of submitting the full set of documents to the insurer, but it is not entirely correct. The insurer has every right to send you a referral for repairs in a simple letter, via mail, and doing this on the 19th day of the term will not violate anything. Therefore, it is best to wait at least 7 days, in case a letter was sent to you, and only then start a dispute with the insurer.

Before calling, writing or going to the insurer, we strongly recommend that you carefully read and study the following materials: Article 16.1 of the Law on Compulsory Motor Liability Insurance and our article about the financial ombudsman.

Do not forget that compulsory motor liability insurance currently represents “partial insurance”, that is, even if the insurer calculates and evaluates everything correctly, the payment made to you or the service station may not be enough for repairs. In this case, the remaining damage must be recovered from the culprit of the accident.