Insurers explained how to file an accident without the traffic police

Although getting into an accident is very stressful for any driver, waiting for traffic police officers causes even more unpleasant emotions. One can only imagine how much indignation the driver will have to listen to from other road users because of the resulting traffic jam. Is it possible to somehow avoid this? Are there any reservations in the traffic rules? Is it possible not to call the traffic police in case of a minor accident? Let's find out the details.

Changes in legislation

Let's look at how to file an accident without calling the traffic police according to the new procedure that came into force on July 1, 2021.

If there are no injuries, drivers should:

stop, do not change the position of the vehicle or elements of the accident;
turn on the hazard warning lights;
place an emergency sign on the road at a distance of 15 m.

Traffic police inspectors will not go to the scene of an accident without victims. If no one was injured as a result of the accident, you don’t have to go to the traffic police.

You can independently resolve issues regarding filling out the notice. Calling a traffic police inspector is necessary if controversial issues arise between participants in an accident.

The participation of eyewitnesses is also not necessary . Photos or videos from the accident scene will be sufficient.

Drivers can provide themselves with an independent notification form, in which they need to draw a diagram and independently contact the insurance company for monetary compensation for damage.

Cases in which you can do without the traffic police

If the participants have no complaints against each other, if no one was hurt, calling the traffic police is not necessary.

Then drivers need to act as follows:

capture everything on video or photo;
move away from the scene of the accident;
independently issue a notification about the incident;
if you don’t have the form with you, you can come to the nearest traffic police department and fill out all the documents, and the employees will help with this;
you can do without paperwork if the damage is minor and the parties have agreed to cover the costs of repairs.

A vehicle is removed from the road if it interferes with the passage of other road users, if there is no disagreement and the incident can be resolved peacefully.

Let's take a closer look at the procedure for registering an accident without the participation of traffic police officers.

How to properly file an accident without calling the traffic police

If you decide that in your case this is the situation where you don’t need to call the traffic police in the event of an accident, you need to know how to correctly document the accident that occurred.

So, most MTPL policy owners are already familiar with the provisions of the European Protocol. This is the easiest method to file an accident without turning to law enforcement for help. How to fill it out correctly? What needs to be reflected in this document?

To begin with, we note that the European Protocol is filled out by both parties to the incident, sealed with signatures and cut into two parts. Then, within the period specified in the insurance contract, you need to contact your insurance company and submit documents for compensation. What is the procedure in case of an accident?

In accordance with the rules of the road, it is necessary to indicate the location of the accident using a special sign.
You should not touch any elements of what happened, for example, collecting fragments of parts or trying to replace a fallen bumper.
Contact witnesses to the incident and write down their contact information.
Fill out the Europrotocol.

You will receive invaluable assistance in obtaining compensation from the insurance company if you use photographs. The following moments should be photographed:

every car from all sides;
take a photograph of the license plates of each vehicle;
record any damage: broken headlights, mirrors, fallen debris;
reflect in the photo the position of both cars involved in the accident;
If there are brake marks on the asphalt, record them too.

How to draw a diagram of an accident? Find out what to do if you hit a car in the yard and drove off here.

How to act if your car is dented and fled, read the link:

How to fill out the Europrotocol correctly? Read the instructions. This will certainly help if you ever encounter a similar problem.

All fields in the document must be filled in with a pen, preferably in block letters (or legibly).
Each party to the incident fills out their own information.
Make sure that all fields of the document are completed.
Before signing the Euro Protocol, read it again (both sides).
Each block must always be signed by both parties, not just the one who filled out that side.
When the front side of the document is completely filled, it can be cut.

Important! If after this it is necessary to make amendments to the protocol, then the signatures of the participants in the accident must be under them. Otherwise, the amendments lose their force.

If you are photographing an incident, the law requires that it be completed before one hour has passed since the incident. It is also important to understand that if you have any disagreements with the second driver, calling a traffic police officer is mandatory.

However, in addition to a fully completed Euro Protocol, you may need a correctly drawn up road accident diagram. How to draw it correctly?

What is the Europrotocol?

This is a procedure for processing documents about an accident without traffic police officers . This is an accident notification form. Based on this, you can receive compensation under your insurance policy.

Registration under the European protocol is an opportunity to document what happened on your own and quickly leave, without creating traffic jams and minimizing the risk of new collisions. This opportunity is available in all regions of the Russian Federation.

Conditions that allow you to register an accident under the European protocol:

Only two vehicles were involved in the accident, and both participants have a valid MTPL policy.
Only cars and their trailers were damaged. There were no injuries, no deaths, no damage to other property.
The participants have no disagreements regarding damage to the car. If the parties blame each other for what happened, you will have to call the traffic police.
The amount of damage does not exceed 50,000 rubles. If the car owner assures that such an amount will not cover the costs of car repairs, the traffic police should be called.

If the circumstances of the accident do not satisfy these conditions, the accident will have to be registered in the general manner.

If the vehicle involved in the accident is registered in another state, its owner does not have MTPL or CASCO, but has an international Green Card insurance policy, you can also record the accident without traffic police officers or call the Information RSA in advance at + 7 (495) 641 27 87 and consult.

Let's find out how to properly file an accident without the traffic police in order to get insurance.

Video: How to register an accident according to the European protocol?

Europrotocol form

The form must be completed correctly . It is issued by the insurance company to the car owner when he takes out a MTPL or CASCO policy.

If it is not there, you can contact the nearest company office or look on the company’s official website. You can also use the services of the reference and legal systems “Garant” and “Consultant”.

How to correctly fill out a notification of an accident under MTPL without calling the traffic police? The European protocol in case of an accident must be drawn up in a form called “Notification of a Road Accident”.

The document consists of a main sheet and an insert onto which the information entered on the first sheet is copied. After registration of the front side, the main form is separated from the additional one. Each of these sheets has equal legal force.

Compliance with the rules for drawing up a European protocol in the event of an accident minimizes the risk of disagreements with the insurer when considering documents for monetary compensation:

fill out the form with a simple ballpoint pen, legibly, in block letters;
Marks and corrections are not allowed;
All columns and fields are filled in.

On the front side indicate:

information about the location, date of the accident (if it is a highway, its name and kilometer are recorded), time (must be accurate to the minute);
number of damaged cars (2), absence of injuries (there should be no other, otherwise the traffic police should be called);
information on witnesses to the accident (if any);
accurate information about damaged cars, car owners, and persons who were driving the vehicle at the time of the accident;
information about the participant’s insurer, the number of the current insurance policy, its validity period;
list of damaged parts and components of the machine;
road accident diagram (point 17).

There are no uniform rules by which the scheme is drawn up. But the drawing must be clear so that the insurer does not have additional questions.

On paper you need to mark the position of the road section where the accident occurred, indicate the names of neighboring streets, house numbers located nearby, or shopping centers and other landmarks, traffic lights, road signs, markings, etc.

The position of the vehicle at the time of the accident is schematically shown on the image of the area (cars are usually depicted as rectangles), designated by codes “A”, “B”. The direction of movement is indicated by arrows.

The location of the impact is X. Under the graphic image, a decoding of the symbols is given.

In paragraph 14 of the form, indicate the nature and list of visible damage caused. Information should be described briefly and accurately. It is necessary to ensure that the other participant does not add damage to this item that is not related to this accident.

The terms used are: scratch, dent (deformation), rupture (crack). Hidden damage is revealed during examination.

In paragraph 16, drivers note the circumstances of the accident. Correctly reflect the car’s maneuvers, taking into account the following:

A parking lot is not a stop. If the car stopped at a traffic light, it is noted that the vehicle “stopped at a prohibitory traffic light” and not “in the parking lot.”
When one car is overtaking another, if the car was changing lanes, it is noted that the driver “changed lane” and “overtook.”

In paragraph 15 “Remarks” you can enter additional information about the accident that was not indicated in the paragraph with the circumstances of the accident.

After drawing up the front side, signatures of both parties are placed, the pages are separated to independently draw up the back side.

On the reverse side, each driver can describe his vision of the accident and indicate who was driving the car at the time of the accident.

In “Notes” you can indicate information about the availability of additional information about the accident that was obtained after photo and video shooting.

If the form is damaged, torn, or the information on it is difficult to read, the document is issued at another bank. All adjustments and additions made to the form after signing and separation are endorsed by the signatures of both participants.

If there are contradictions in the data presented by the participants in the accident, it means that the nature, list of damages and circumstances of the accident caused disagreements.

This means you need to call the traffic police. If it is impossible to determine the circumstances of the accident and the culprit based on the above, the insurer may refuse monetary compensation.

How to register an accident yourself and draw up a Europrotocol

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

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

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

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

To save your time searching for the necessary forms, it is recommended to pre-register the European Protocol for registering an accident without calling the traffic police. The most convenient way to do this is on our website.

Europrotocol

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

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

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

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

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

A victim can receive insurance compensation:

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

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

What to do after filing a notice?

If the notice is issued, there are no disagreements, you can leave the scene of the accident and contact the insurer. A copy of the accident notice with the front and back sides filled out is attached to the application.

A notice is sent to the insurer within five working days from the date of the accident. The car cannot be repaired within 15 days.

If the car needs to be repaired earlier than this period, the vehicle is presented to the insurer for inspection and written consent for repairs is obtained.

If a traffic police officer stops a car

A traffic police officer, seeing damage to a car, can stop the car to check whether an accident has been registered.

When submitting a notice to the insurance company, you need to take a copy of the document certified by an employee of the insurance company to present it to the traffic police officer.

Road accident with victims

In the event of an accident, the driver must:

stops and does not move the vehicle;
turns on the emergency alarm;
displays an emergency stop sign;
does not change the position of objects that are related to the accident;
determines the presence of victims.

If there are injuries or deaths, the driver:

provides first aid;
calls an ambulance;
calls the traffic police;
records the name, address, and contact information of eyewitnesses;
if the case is urgent, sends the victims in a passing car to a medical organization;
If the victims can only be transported to the hospital in the car of the participant in the accident, you need to send them to a medical facility, show the medical workers your documents, and return to the scene of the accident in your own car.

If the traffic flow is stopped due to an accident, the participant:

records the location of the accident, the position of the car, traces, damage using photos or videos;
records eyewitness information, if available;
removes the car from the roadway;
waiting for traffic police officers.

Police officers who arrived at the scene recorded:

information about the participants in the accident;
explanations of participants and witnesses;
additional information that is important to clarify the circumstances of the accident;
issue certificates of road accidents to participants;
initiate proceedings for an offense, if any.

Documents for applying to the insurance company

Within five working days you need to contact the insurer with the following documents:

passport (if the driver is a foreign citizen, then you must present a notarized translation of the passport (or a translation certified by the embassy));
power of attorney for a car, if the driver is not the owner of the car;
documents on the ownership of the property (registration certificate, vehicle passport), agreement if the car is leased/rented;
certificate of an accident (form No. 154), annex to the certificate, if there are victims (the document must contain: corner stamp, full name of the traffic police officer who compiled the certificate, information about the place, date, circumstances of the accident, policy number, name of the insurance company, information about the cars -participants, information about the vehicle drivers and the culprit, contacts of participants, list of damages);
protocol on administrative violation;
notification of an accident.

Certificates are not needed if the accident was registered according to the European protocol.

Important information:

Do not sign blank document forms!
information about witnesses must be present in the protocol;
if the driver does not agree with the determination of the fact of traffic violation or the amount of the fine, the inspector draws up a protocol;
If the driver does not agree with the information presented, he should mark his point of view in a special column, cross out the word “violator,” sign “driver,” and add that he does not consider himself to be the culprit of the accident.

Now it is not necessary to call traffic police officers to the scene of an accident. If there are no injuries, the participants have no claims against each other, you can file an accident yourself.

If the accident meets certain conditions, then it can be registered using a European protocol . Thanks to the detailed instructions for filling out the notice in this article, there should be no difficulties in filling out the form.

Video: How to file an accident without the traffic police?

Download:

Notification of an accident under compulsory motor liability insurance - Form.doc

Self-registration of road accidents in 2021

From October 1, 2021, throughout Russia you can receive an insurance payment limited to the amount of 400,000 rubles .

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

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

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

Application for self-registration of road accidents

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