Where to download and how to fill out an Ingosstrakh accident report

What is the Europrotocol

The European protocol among drivers is called an accident notification form , intended to be filled out independently by participants in a car accident. To do this, you do not need to call the traffic police, which can significantly save time. In difficult weather conditions, such as snowstorms, ice, fog, the number of road accidents increases significantly. As a result, traffic police inspectors simply do not physically have time to process them, choosing first the most severe cases, those with injured and dead.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

Drivers who committed minor collisions had to wait for hours for the traffic police to arrive to register the incident. This not only took a lot of time from drivers, but also created traffic congestion, provoking new collisions. With the introduction of a simplified system, road accident participants received the right to file minor collisions without the involvement of traffic inspectors. Domestic legislators borrowed this experience from the European Union countries, which is where the unofficial name of the simplified notification came from - the Europrotocol.

Is it necessary to contact the insurance company responsible for the accident if a Europrotocol has been issued?

The driver of the car that caused the accident benefits from completing the paperwork without involving the police, which allows him to avoid punishment for violating traffic rules.

However, the relationship between the culprit of the accident and the insurance company when filling out papers under the Euro Protocol requires greater responsibility, since this is the only document confirming the incident. In this case, the law provides the insurer with significantly more grounds for bringing forward a recourse claim to reimburse payments to the injured person.

The insurer accepts the Notice only if it is completed and signed by both parties to the accident. The insurance company has the right to demand from the driver at fault for the accident compensation for payments made (subclause g, clause 14 of the Law “On Compulsory Motor Liability Insurance”):

• if the culprit did not send his copy of the Notice signed by both parties to the insurer who insured the civil liability;
• if, before the expiration of 15 calendar days from the moment of the accident, not counting weekends and holidays, the driver began repairing or disposing of the vehicle involved in the accident;
• if the culprit’s vehicle is not provided for inspection or independent examination at the request of the insurance company.

Failure by the guilty party to submit the Euro Protocol to its insurance company becomes the basis for a recourse claim for the insurer. In this case, the driver who caused the harm will be charged all compensation to the injured party. Therefore, the at-fault party should always report the accident to their insurance company. Otherwise, the consequences will be much more unpleasant. The client should contact their insurer as soon as possible. The maximum period allotted for filing a Notice of an Accident is 5 calendar days after the accident.

When can you file an accident without the traffic police?

According to the established rules, registration of the Europrotocol is allowed only if several conditions are met.

1. Only two cars were involved in the accident, both of which were insured through the MTPL system.
2. As a result of the collision, only these two cars were damaged, and no damage was caused to the property of the third party.
3. During the accident, no one was injured - neither drivers, nor passengers, nor pedestrians.
4. One of the drivers fully admitted his guilt in the incident, as a result of which no examination is required.
5. The circumstances and nuances of the accident are equally assessed by its participants, without causing controversy.
6. The amount of damage caused to the injured party’s car does not exceed 100 thousand rubles.

When at least one of the listed conditions is not met, the European Road Accident Report cannot be issued. Participants in the collision will have to wait for the arrival of traffic police inspectors to record the circumstances of the incident and subsequently identify the culprit.

How to draw up a European protocol in case of an accident

The form is filled out according to a certain standard. If the rules for drawing up a notice are violated, it may be declared invalid. As a result, compensation payments to the owner of the damaged vehicle will be denied.

• When writing a notice, use a regular ballpoint pen. Notes made with a gel pen or pencil may be erased and the document will become unreadable.
• The Europrotocol form must be filled out in legible, preferably printed, handwriting.
• Try to avoid corrections and erasures in the document. This is another reason for quibbles on the part of the insurer, who does not want to pay compensation.
• Enter the relevant information into the existing notice columns to avoid confusion.

The form must be filled out on both sides – front and back.

Front side

On the front side there are columns in which the following information is entered:

1. The location of the accident, date and time are indicated. The name of the street and the number of the house next to which the collision occurred. If this happened on a highway, then its number and kilometer are indicated (for example, 35 km of the E-27 highway). The time of the incident is indicated to the nearest minute.
2. Please note that there were no more than two damaged cars and no people were injured in the accident.
3. When there are witnesses to the incident (passers-by, passengers), record their details - full name, telephone numbers, residential addresses.
4. Identification information of the affected vehicles (registration number, VIN), data of the owners and persons driving the colliding vehicles.
5. Information about insurance companies that issued MTPL policies, their numbers and validity periods.
6. Describe the nature of the damage caused to the vehicles, with an exact list of damaged parts and body elements.
7. Draw by hand a diagram of the accident that occurred, indicating the road surface, markings and the trajectory of the vehicles before and after the collision. Mark nearby landmarks on the diagram - traffic lights, houses with numbers, and other significant landmarks. If certain symbols or abbreviations were used in drawing up the diagram, their explanation should be given below.
8. All information provided in the form is certified by personal signatures of both participants in the accident.

Rules for filling out the Europrotocol form

• instructions are attached to the document, which should be read before filling out;
• You only need to enter data with a ballpoint pen. It is advisable to use dark ink and block letters;
• Before the participants in the incident leave the scene of the accident, it is necessary to collect information about them;
• one half of the protocol is filled out by one driver, the second by another. Moreover, it makes no difference who gets which column;
• After entering the necessary data, everyone confirms that they agree with everything stated in the protocol. Signatures are required for this purpose.
• there should be no errors in the form. No corrections or crossing out are allowed here. If there is an error, a new form should be used;
• separation of sheets should be carried out only after affixing signatures;
• if the culprit damaged not one car, but several, he needs to draw up a European protocol with each injured participant in the accident;
• All fields on the form must be filled out.

Although the form contains a large number of lines, filling them out should not be difficult. Everything here is very clear. Just enter the required data in the appropriate lines. However, it is worth paying attention to two points:

1. Description of the list of damaged components and parts. Practice shows that many car owners do not pay due attention to a seemingly ordinary scratch. However, you need to remember that it can hide quite serious problems that require expensive repairs. It is in the interests of the injured party to inspect as thoroughly as possible the areas of the vehicle that are damaged.
2. Drawing up a diagram. There are no specific rules for drawing up a diagram. But you need to try to compile it in as much detail as possible. To avoid any additional questions, make a clear drawing.

The form has a special field intended for the diagram. It must be compiled in a certain sequence:

• map the road where the collision occurred. Also indicate adjacent roads, neighboring streets, markings and other landmarks;
• schematically depict the cars at the time of the accident. Each one must be designated by the letters “A” and “B”. The location of the collision is indicated by an "X". Arrows indicate the directions of movement.

After signing and separating the documents, drivers will have to fill out the back of their form. Try to describe the situation in as much detail as possible from your point of view. You should also indicate whether the owner was driving the car or not. If there is any additional information, for example, data from a video recorder, they are also entered into the document.

After the forms are separated, it may be necessary to make some additions. If such adjustments are approved by both parties, they must confirm such actions with their signatures.

How many copies should I fill out?

Each participant, after completing the Europrotocol, must have his own notification form. When filling out a self-copying form issued at the insurer's office, the document is filled out only once. In the second sample, all information will be displayed through carbon paper. The participants in the collision will only need to certify each copy with their signature.

When filling out a form printed on a printer yourself, you will need to fill it out twice , duplicating the information for each copy. If you have carbon paper, you can place it between two copies when filling it out.

Registration of the Europrotocol through the application

Today, drivers involved in an accident have the opportunity to issue a Europrotocol through a special mobile application. To do this, the smartphone must be equipped with the following functions:

• Be able to determine location coordinates using satellite systems - GLONAS or GPS.
• Camera resolution is more than 3 MP.
• Stable connection to the Internet network.

You can download the Europrotocol application for both mobile devices running Android OS and iOS.

After downloading and installing, you need to register by entering the following information when prompted by the system:

1. Registration number.
2. VIN code.
3. Body number (for passenger cars) or frame number (for trucks and buses).
4. Series and number of the MTPL policy.
5. Contact phone number or email.

After filling out the electronic form, click “ Register ”, after which we come up with and enter a security password. Next, after logging into the system, the driver will be able to fill out an electronic notification of an accident, sending it to his insurance company.

Where can I get an AlfaStrakhovanie road accident notification form?

To register an accident in a simplified manner, you must use a special form. The Europrotocol form at AlfaStrakhovanie is issued by the insurance agent at the time of registration of the MTPL insurance policy.

If the form has already been used, or is not available for any other reason, you should contact the nearest office of the insurance company. You can also download an accident notice for AlfaStrakhovanie and print it on any printer. However, when searching on the Internet, you should use reliable sources, for example, the Garant or Consultant help systems.

What should the culprit of an accident do after filling out the Europrotocol?

After completing the Europrotocol, the person responsible for the accident must provide notice to his insurer within 5 days. You can do this in several ways:

• Appearing in person at the office of the insurance company.
• By sending the form by registered mail with acknowledgment of delivery.

Without the consent of the insurance company, the owner of the car should not repair or dispose of it within 15 days from the date of the accident.

After receiving a request to provide a car for examination, the owner is obliged to do this within 5 working days. If these norms are violated, a recourse claim may be brought against the owner of the insured car. This means that the company will pay for the damage caused to the injured party, but the person responsible for the accident will have to compensate this amount to the insurer.

Rules for registering road accidents under the European Protocol in 2021

Since 2015, almost any minor incidents where there are no casualties are recorded by drivers independently. Then the participants in the accident go to the nearest traffic police post and fill out the paperwork. The European protocol makes it possible to avoid the involvement of road inspectors at all stages.

This means that in order to receive compensation for an accident, you only need to spend 20-30 minutes filling out the paperwork and contacting the insurance company. Thus, drivers avoid not only hours of waiting for police officers to arrive at the scene of an accident, but also the rather bureaucratic process of collecting certificates confirming the fact of a traffic accident.

When to use

Not every accident can be processed without a traffic inspection. Self-registration of an accident is permitted if a number of conditions are met (clause 2.6.1 of the traffic rules):

1. Only 2 vehicles (including vehicles with trailers) were involved in the accident;
2. Both drivers are insured under MTPL;
3. The accident did not cause harm to the health or life of people;
4. Damage from an accident occurs only to the vehicles involved in the accident;
5. The circumstances of the accident and the damage caused are not in dispute.

When deciding whether to go to the traffic police, the driver of the injured party should also take into account the maximum amount of payments under the Europrotocol. Without confirmation from the traffic police, the insurance company will not pay for exceeding the limit.

Stages of registration

Despite the stress factor, it is recommended to act in strict accordance with the requirements of the law, which in this situation are most fully reflected in the paragraphs of the protocol. This behavior can prevent the emergence of many problems and successfully resolve the difficulties that arise.

However, the procedure for the actions of the culprit of the accident and the victim under the European Protocol is quite simple to remember and includes the following steps:

1. Stop driving and turn on your hazard lights. If the car was stationary at the time of the accident, it does not need to be moved.
2. Get out of the car and assess the consequences. Install an emergency sign. According to the Traffic Rules, the sign is placed at a distance of 15 m from the car in a populated area and at a distance of 30 m outside the city.
3. Make sure there are no casualties and estimate the approximate damage received as a result of the accident. Agree with the second participant on the procedure for registering a traffic accident. If you cannot reach an agreement, call the traffic police.
4. If the parties have agreed to draw up a Europrotocol, record the consequences of the accident using photo and video recording equipment. You need to take a general plan showing the location of the cars relative to each other and road infrastructure, car license plates, vehicle damage, braking marks, and the location of vehicle debris.
5. Remove cars from the road if they are obstructing traffic.
6. Collect information from witnesses to the incident (full name, address, telephone number). If possible, take written statements from them. Testimony from witnesses will speed up the investigation of the accident if a dispute arises after the participants have left the scene of the accident.
7. Fill out the Road Accident Notification.

The widespread introduction of electronic policies has led to a situation where drivers do not receive notifications of road accidents from the insurance company and have no idea what to do under compulsory motor liability insurance if there is no form.

In this case, you must contact your insurance agent and obtain a document. The blank Europrotocol can also be printed out in advance - there is a convenient form for downloading below.

The best way, when there is neither a form nor time, is to contact the emergency commissioners. Employees of the special service will not only bring the document, but will also professionally prepare all the necessary papers for the insurance company. The commissioners' services are paid, but anyone can figure out how to fill out the Europrotocol.

After completing the Notification of an Accident and receiving their copy of the form, participants can leave the scene of the accident.

What to do after filling out the document

Not all participants in an accident know what to do next after drawing up a report, and this information gap confuses them. In reality, everything is very simple - when registering a traffic accident under the European Protocol, both participants must contact the insurance company. If the accident is recorded by police officers, only the injured driver can submit a package of documents to the insurer.

A participant in an accident who is not at fault in the accident has the right to contact both his insurance company and the insurance company of the culprit. In addition to the Notice, an application for insurance payment is submitted. Photo and video recording materials are attached to the package of documents. The insurer agrees with the applicant on the date of inspection and, if necessary, sends it for an independent examination. Then the following steps are performed:

1. After an investigation, the insurance company reimburses the damage. For car owners, this is car repair. The affected person is given a referral to an accredited service center. Truck repairs may be replaced by a cash payment.
2. The person who caused the damage sends a notice of the accident with attachments to the insurance company that insured his civil liability. Documents can be brought in person, or sent by registered mail with notification.

In order to verify the reality of the accident, the insurer can inspect the cars of both participants. Therefore, the car cannot be repaired within 15 days. If this provision is violated, the insurance company may file a recourse claim against the culprit. A similar rule applies if the at-fault driver did not provide the vehicle for inspection.

Amounts of payments under the Europrotocol

The standard limit of compensation to the injured party under an MTPL agreement is:

1. 400 thousand rubles. when causing damage to property.
2. 500 thousand rubles. when causing harm to human health.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

But these rules apply only in case of registration of an accident in the usual way , with the involvement of a traffic police officer. For notifications issued independently using Europrotocol forms, the limit of compensation payments does not exceed 100 thousand. This also applies to situations when a notice is issued and sent to the insurer via a mobile application.

In what cases can you use the AlfaStrakhovanie European protocol?

The regulations for simplified registration of road accidents are prescribed in Art. 11.1 of Federal Law No. 40-FZ “On Compulsory Motor Liability Insurance”. In short, the list of conditions for using the Euro protocol looks like this:

1. The accident involved two vehicles (including vehicles with trailers).
2. Both drivers have valid MTPL policies.
3. The amount of damage does not exceed 100,000 rubles. (RUB 400,000 if vehicles are equipped with the ERA-GLONASS system).
4. There were no casualties in the accident (everyone is alive and well).
5. Both parties to the incident agree on the identification of the culprit and the nature of the damage.

If there are disagreements, for example, the participants in the accident cannot decide who is to blame for the incident, or the amount of damage seems too large, then AlfaStrakhovanie specialists recommend not filling out an accident notification for now. It's better to call the traffic police. Inspectors will investigate on the spot: draw up a diagram of the incident and a protocol on the administrative violation, and also record written explanations from the drivers. Based on these papers, it will be easier for those involved in the accident to fill out a notice for insurance companies, and most importantly, they will not have to look for the culprit.

Until October 20, 2017, the list of mandatory documents included a certificate of a traffic accident, which was issued directly at the scene of the accident. But for the past 3 years it has not been required, and traffic police officers have not filled it out.

Payout limits under the European protocol

is guided in its activities by current legislation. The state has established a payment limit, which is prescribed in Art. 11.1 of Federal Law No. 40-FZ “On Compulsory Motor Liability Insurance”. Until October 1, 2019, the maximum amount under the European protocol was RUB 100,000. But this is not the limit now.

In 2021, victims can receive a maximum of a simplified notification of an accident, i.e. 400,000 rubles. However, to do this, you need to register an accident using the “Accident. Europrotocol" and transmit the data to RSA (with photographs of the location of the vehicles and the damage they received). It is recommended to ensure that the application was able to transfer information to the PCA. After successful sending, an informative icon will appear.

Android : https://play.google.com/store/apps/details?id=ru.alfastrah.app

iOS : https://itunes.apple.com/ru/app/al-fastrahovanie-mobajl-mobil/id1039418352?mt=8

In addition, confirmation from RCA will be sent by email or phone number (SMS). If there is no connection to the Internet, then the program “Road Accident. Europrotocol will send electronic materials as soon as communication is available. In addition, maximum compensation can be obtained if vehicles are equipped with GLONASS systems that were able to record the incident.

Possible problems with the Europrotocol

When recording an accident using the Europrotocol, a number of difficulties may arise. Here are some of them:

• If there are errors in filling out the form, the insurance company has the right to refuse payments. Then the culprit will have to compensate for the damage caused on his own.
• The same is possible if there are no signatures of both participants in the accident on the front side of the form.
• If photographs or video recording of the accident scene are not taken, some insurers also refuse to pay.

To prove that he is right, the driver has to file a lawsuit. And this is an additional expenditure of time, effort and money.