Registration of an accident without the traffic police - necessary conditions and procedure in 2021

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.

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.

Conditions for self-registration of an accident

You probably know that registering an accident without the participation of traffic police officers is not always possible. Let's look at the conditions under which this is possible (Article 111 of the Law “On Compulsory Motor Liability Insurance”):

The accident involved two cars;
damage was caused only to these vehicles (mechanical damage);
Each driver has a valid MTPL policy.

Starting from June 1, 2021, disagreements between participants regarding the circumstances of the accident and damage to vehicles are not an obstacle to independently filing an accident. However, if there are disagreements, it is necessary that at least one of the participants has a special RSA application for registering an accident, or at least one car has the ERA-GLONASS system (panic button) installed, which allows recording and transmitting information about an accident.

Please note that when registering an accident under the European protocol, the maximum payment from the insurance company will not exceed :

400,000 rubles if there are no disagreements between drivers;
100,000 rubles if there are disagreements between drivers.

This amount may not be enough to repair serious damage, so before you file an accident yourself, you need to make sure that there is enough money to repair the existing damage. To do this, you can call any auto repair shop (car service) and find out the approximate cost of repairs.

Let's look at a table that allows you to understand in what cases it is possible to prepare documents without the traffic police:

Damage	Disagreements	Availability of GLONASS or application	Decor
up to 100,000	There is	There is	on one's own
	There is	No	traffic police
	No	on one's own
from 100,000 to 400,000	There is	traffic police
	No	There is	on one's own
	No	No	traffic police

Conditions for self-registration of road accidents from October 1, 2021

Naturally, to independently register, at least one of the participants in the accident must have a notification of a traffic accident or an application for electronic registration of a European protocol (from November 10, 2019). It is much better if each driver has a document. In this case, in case of an error, you can use another instance.

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.

The smartphone will ruin

The executive director of the Russian Union of Auto Insurers, Evgeny Ufimtsev, spoke about what will work, how it will work, and how to use it all at a meeting with the leadership of the State Traffic Inspectorate and representatives of public organizations.

So, the main thing that will change from October 1 is that the amount of payment under the Euro Protocol will increase to the maximum amount under OSAGO, that is, 400 thousand rubles for all accidents, no matter where they occur. Currently, this privilege extends only to four regions: Moscow, Moscow region, St. Petersburg and Leningrad region.

What and under what conditions can a car owner count on?

If only two cars were damaged in the accident, the drivers of which are insured under MTPL, and no people or property of third parties were injured, then you can file an accident without calling the traffic police under the European Protocol. If the participants in the accident agree with the circumstances of the accident, then they can fill out a paper notification of the accident, which is usually attached to the MTPL policy, and apply for payment from their insurer. In this case, they cannot count on payment of more than 100 thousand rubles. That is, the current order is preserved.

If all the conditions are the same, but the participants in the accident do not agree on the circumstances of the accident, for example, both claim that they were driving at a green traffic light, then in addition to filing a paper notification of the accident, you also need to use a mobile application and register the accident in it. Currently there is only one such mobile application - “DTPEuroprotocol”. It was developed by RSA. But some insurers are already preparing their applications, which can also be used when filing an accident under the European Protocol. The main thing about such a mobile application is that it tells you what photos to take and from what angle, and then transfers them in an uncorrected form to the AIS OSAGO database along with the coordinates and time when they were taken.

Such data allows the company to verify the fact of the accident, establish damage to the vehicles, and also, with a greater or lesser degree of certainty, determine the degree of guilt of each of the participants.

If the car owner expects to pay more than 100 thousand rubles, he also needs to fill out a paper notice and register the accident using a smartphone application.

If there is no application for a smartphone, then telematics devices of the GLONASS system can save the day, which also record the accident and transmit data on acceleration and impact force to the operator, who then transmits it to the insurer.

If there is neither a mobile application nor such a device, then the car owner can only count on an amount of up to 100 thousand rubles, and only if there is agreement between the participants on the circumstances of the accident.

An application developed by the Central Bank will be launched on November 1. For now it appears under the working title “OSAGO Assistant”. When it comes out, the name will be different. This application will eliminate the need to issue a paper notification of an accident. That is, an accident can be registered immediately on a smartphone or tablet and an electronic notification can be sent to the insurer. But from November 1, it will work on an experimental basis only in four regions: Moscow, Moscow region, St. Petersburg and Leningrad region.

As Evgeny Ufimtsev reported, his work is planned to be extended throughout the country only by the end of 2021.

Only those who are registered on the State Services portal will be able to use this application. It is this registration that will serve as confirmation of the signature. It is noteworthy that only one of the participants will fill out the notification on their smartphone. The second participant will only need to sign this notice.

There are two ways to do this. You can use the smartphone of the participant who issued the notice to log into your account on State Services, verify your identity, and click the “Sign” button. It is clear that this method raises some concerns. What if, by chance, your data and your method of accessing Government Services are saved on someone else’s smartphone?

The second option is safer. You need to wait for this notification to arrive in your email - it will be sent immediately after it is signed by the first participant to the email that you specified when registering your account. After receiving the notification from your device - be it a smartphone, tablet or computer, you will need to click on the Agree button. This way the formalities will be completed.

Signature technology with a simple smartphone app to a smartphone is currently only being developed

This algorithm raised questions among the meeting participants. After all, the second participant, having said that he will sign the notice at home, may refuse to do so, or write that he does not agree. And then the European Protocol will not be drawn up. And the first participant will have to resolve the issue only in court.

“There is such a risk,” confirmed Evgeny Ufimtsev. “But if you have such concerns, you don’t have to draw up a Europrotocol, but call the traffic police.” Signature technology with a simple smartphone-to-smartphone application or other options are just being developed.

And this is one of the reasons why the experiment is being carried out in these four regions. Communications are well developed here, all insurance companies are present, so it is easier to quickly debug the system.

According to Vladimir Kuzin, Deputy Head of the State Traffic Inspectorate of the Ministry of Internal Affairs of Russia, recently confidence in registering an accident according to the European Protocol has been growing. And, by the way, the number of accidents with property damage has been decreasing every year since 2015. So last year, traffic police officers registered 1.9 million accidents, which is 17.4 percent less than the year before. At the same time, 624.1 thousand accidents were registered under the European Protocol, which is 4.1 percent more than a year earlier.

Over the six months of this year, traffic police officers registered 885.3 thousand accidents in which no people were killed or injured. And this is almost 10 percent less than in the same period last year. But at the same time, these statistics also include those accidents that cannot be registered under the European Protocol. There are more than two participants, or material damage was caused to third parties - for example, a car crashed into a bump stop.

*This is an expanded version of the text published in the issue of “RG”

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

Europrotocol

The Europrotocol is a unified form that participants in an accident can fill out independently and without the involvement of a traffic inspector.

Participants in an accident have the right to use this document only if the estimated amount of damage does not exceed 50 thousand rubles.

The Europrotocol, when completed correctly, retains all guarantees for insurance payments that the victim can receive when registering an accident with the help of a traffic police inspector.

There are conditions that must be observed when using the Europrotocol, in particular:

Participants have the necessary package of documents;
Availability of valid MTPL policies for each party;
Only property damage was caused (any harm to the health of motorists or passengers, pedestrians and other third parties must be excluded);
The maximum number of participants in an accident is two;
The parties have reached full consensus on the details of the event that happened and no longer have additional claims or claims;

If any of the participants in a minor accident still have doubts, it is advisable to call the traffic police, since in the future the proof procedure will turn out to be impossible or will become significantly more complicated.