CASCO according to the European protocol, insurance conditions and amount of payments

CASCO insurance and Europrotocol

CASCO – voluntary insurance of a car against damage or theft. Depending on the form, it can be complete (from theft and damage) or partial (from theft or from creation).

In accordance with the Directive of the Bank of the Russian Federation No. 3380-U, starting from 2014, citizens who insure their car under a CASCO agreement can use the European protocol. This is a paper containing the circumstances of a traffic accident, without the involvement of traffic police officers, which significantly reduces the time it takes to register an accident. If the document is filled out correctly, it allows you to receive insurance payments.

Payment limit under the Europrotocol

Until October 1, 2021, motorists living in the regions could count on a maximum amount of compensation under the Euro Protocol in the amount of 100 thousand rubles. Only residents of the official and cultural capitals and adjacent regions could count on a payment of 400 thousand rubles if certain conditions were met.

Now motorists throughout the country are subject to a single amount limit under the Euro Protocol - 400 thousand rubles. This decision of the authorities was positively received in the regions of the country. However, government officials remind you that if you want to receive maximum compensation, you must use the “Accident.Europrotocol” application.

What insurance cases are suitable?

The conditions for registration of the European protocol impose some restrictions on drivers. First of all, this is the absence of disagreements between drivers regarding the culprit and the circumstances of the incident.

The paper is issued only if only 2 vehicles were involved in the accident. In the event of an accident involving 3 or more cars, even if there is no disagreement, it is necessary to call the traffic police inspectors.

Rice. 1 CASCO insurance and European protocol

The second condition is the absence of damage to third-party property that is not the property of the participants in the incident on the road. This could be a pole, fence, trash container, etc.

The European protocol cannot be used in an accident in which the driver was under the influence of alcoholic beverages, narcotic or psychotropic substances. This is a serious offense that must be recorded by representatives of the State Traffic Inspectorate.

It should also be taken into account that the European protocol is not appropriate if one party to the accident is a foreign citizen who does not have a Green Card.

Rice. 2 Green card

Important! You should carefully read the insurance contract, as some companies indicate a list of cases when it is permissible to draw up a European protocol. In other cases, it is necessary to record the accident with the traffic police.

Additional recommendations

Even a properly completed European accident report does not entitle you to compensation unless it is accompanied by evidence of your innocence.

• The best option is to find two witnesses who can act as drivers of vehicles passing nearby. Their details and contacts are recorded in the European accident report in the header. For pedestrians, it is enough to indicate your name, year of birth, telephone number, and drivers. In addition, you must indicate the registration number of your car in the document.
• If there are no witnesses, you need to take photos and videos. You can do this with your phone, if it is equipped with a GPS antenna, you should enable image coordinate tagging.

Insurance rules require that within 5 days you must submit your European accident report to the organization that issued the insurance policy - this can be done at any company office or using notification letters. Once the form is received, the insurance company must notify you of how to proceed. In most cases, these organizations send letters with instructions on how to receive funds and the timing of their disbursement. According to the law, during the first 15 days you do not have the right to carry out repair work without the written permission of the organization that issued the policy; after this period, you can contact the insurer with claims.

In addition, do not agree to a European accident report if the amount exceeds the specified limit and the other participant in the accident offers to pay the balance from his own pocket, since such promises can very easily be forgotten.

It is necessary to fill out the form with caution, since the slightest mistake can cause non-payment of compensation.

If the insurer, having considered the materials provided to it by the injured party, refuses to compensate the amount of damage under the European protocol that the injured party was counting on, which is significantly lower, it can sue the insurance company by going to court. This possibility is fixed in paragraph 5 of Article 23 of the Civil Procedure Code of the Russian Federation. Such a claim should be filed in the magistrate's court.

Filling out the European protocol

The European protocol form is issued by the insurance company along with the CASCO and MTPL agreement.

Interesting! Insurance companies issue a form equipped with carbon paper, which significantly speeds up the process of completing the document.

You need to fill out the paper in 2 copies, on both sides, using a ballpoint pen. All circumstances of the accident must be described in as much detail as possible.

Rice. 3 Filling out the European CASCO protocol

Important! The authenticity of the European protocol is confirmed by the signatures of the parties on each back.

Front reverse for joint filling, which contains:

• information about the location of the accident: locality, street name, numbers of buildings located nearby, if there are names of shopping centers and stores;
• date and time of the incident;
• the number of participants in the accident who received damage;
• the presence of injured or dead, their number and nature of injuries;
• data from a medical examination regarding driving a vehicle under the influence of alcohol or drugs;
• the presence of damage caused to other cars or other people's property;
• personal information and contact details of eyewitnesses;
• manufacturer and name of the vehicles involved in the accident;
• personal information and contact information of drivers involved in accidents and car owners, if the incident did not occur with their participation;
• insurance policy data (number, name of organization, date of issue);
• detailed diagram of the traffic accident;
• detailed description of the damage.

Important! Corrections in the European protocol are confirmed by the corresponding inscription “Corrections are correct” and the signature of the parties.

The other side of the form is filled out by each party to the accident individually and includes information about the vehicle, the circumstances of the accident, details of the driver and owner of the car, other participants in the accident, and damage. In case of serious damage and the impossibility of independent movement, it is necessary to indicate the address of the parking lot where the car will be parked. The authenticity of the entries made is certified by the signature and date of completion.

How to fill out the Europrotocol form

Competently filling out the form is based on formal and informal rules, the implementation of which will prevent confusion.

So, there are some unspoken rules for successfully filling out the form:

• Use a simple ballpoint pen when filling . This rule is based on the fact that using a pencil or gel pen can lead to smearing of the writing or its complete disappearance from the paper. In this case, understanding the matter will be quite problematic.
• The form must be completed in legible handwriting. If the motorist cannot comply with this requirement, he must write in block letters (even if it takes longer).
• Keep corrections to a minimum. If there are blots in the text during the proceedings, authorized representatives will have natural questions, for example, about the reasons for making amendments to the document. This will lead to the need to waste time clarifying details.
• Do not leave fields blank. There are no unimportant details in the registration of an accident, which means that there are no unnecessary columns in the form.

Motorists need to fill out the listed rules to avoid possible problems with receiving compensation. Detailed instructions “How to correctly fill out the Europrotocol or how to register an accident without the traffic police in 2021” are in this article.

Filling out the front side

The Euro Protocol form assumes a two-sided format. This means there are two sides to fill out the information.

To correctly fill out the front side, you must perform the following steps:

1. Indicate the date and location of the collision. You cannot enter approximate information: only accurate information. If an accident occurred on a highway, motorists must enter the name of the road facility and the number of the kilometer where the incident occurred on the form.
2. Make it clear that damage is caused only to property. Despite the fact that this condition is a mandatory criterion for drawing up the Europrotocol, it is important to place the appropriate emphasis: the number of damaged cars is 2, the number of injured people is 0.
3. Record the details of witnesses to the incident, if any.
4. Provide full details of the participants in the incident, the owners of the vehicles (if the drivers are not the legal owners of the car) and information about the vehicles involved in the accident.
5. Fill in the fields with information about the insurers of the participants injured in the accident (be sure to also indicate the insurance policy numbers).
6. Make a complete description of the damaged parts and mechanisms. Even minor damage cannot be ignored, since the insurance company is obliged to fully compensate for the damage received.
7. Draw up a diagram of a traffic accident.

The main rule for filling out the form is to provide complete information using clear, specific language. It is important to convey information to the insurer in an accessible and understandable form so that the company does not have the opportunity to refuse payments.

How to draw up an accident diagram

The legislation does not provide precise explanations about exactly how to draw up a diagram of a traffic accident. All that is required from participants when drawing up the Europrotocol is to reflect the current situation as clearly and simply as possible using a diagram. Detailed instructions “How to draw a diagram of an accident yourself: Sample and examples” are in this article.

To ensure that no additional questions arise after examining the drawing, you should follow the following procedure when drawing up the drawing:

1. Draw the direction and outline of the roadway where the collision occurred. It is also necessary to indicate the names of nearby objects and streets. Road signs, marking instructions and other important landmarks also need to be put on the diagram.
2. Apply a model of the location of vehicles at the time of the incident to the prepared sketch. At this stage, it is worth using special designations: triangles - for cars (previously designated with the letters “A” and “B”, which were previously indicated in the documents when describing these vehicles), “X” - to indicate the location of the impact.
3. Indicate with arrows the direction of movement of the vehicles.
4. Create a diagram legend (decipher the designated symbols).
5. If necessary, enter in field 15 information not indicated in paragraph 16.

After creating an accident diagram, those involved in the accident need to double-check the information provided and make sure there are no discrepancies. At this stage, filling the front side ends. Motorists sign in boxes 15, 18, confirming the veracity of what is written. Next, the form is torn into two halves so that drivers have the opportunity to personally enter data on the reverse side.

Filling the back side

The flip side is allowing those involved in the incident to give their independent opinions on the circumstances of the event. Motorists can provide additional information here. Important additional information includes clarification of whether the owner of the car was driving or only the driver specified in the OSAGO. In the field specially designated for notes, the motorist also indicates the information received during the inspection of the car or the presence of a recording from the DVR.

It is important to know that if it is necessary to change data, participants must ensure that the correction is accurate. The new text must be clear and legible. After writing, the adjustments made are certified with the signatures of both motorists.

What payments?

A participant in an accident with a CASCO policy has the right to contact the company for full compensation for the cost of car repairs. The second party has the right to compensation for damage under the MTPL policy. When calculating payments, the following are taken into account:

• terms of the agreement (validity period, payment terms, availability of additional services, franchise);
• vehicle data (percentage of theft of the insured car brand, age of the car, cost of spare parts, presence of an anti-theft system);
• information about the driver (age, driving experience, including accident-free);
• region.

In addition, during the calculation only the parts that need to be replaced and depreciation of the vehicle are taken into account:

• tire wear;
• car mileage;
• service life of parts.

Based on the results of the examination, the insurance company offers the victim 2 options for covering the damage:

• repairs at a station with which there is an agreement or in an official service;
• cash compensation.

When choosing the second method, the participant in the accident has the right to payments in the amount of:

• 50 thousand rubles. in the regions of the Russian Federation;
• 400 thousand rubles. in Moscow and St. Petersburg.

To receive compensation, you must contact the insurance company within 24 hours, or better yet, immediately and provide detailed information about the accident, an application and a package of documents specified in the CASCO agreement. After this, the organization sends the car for examination to assess the damage received as a result of the accident. If the payment limit under the European protocol is exceeded, it is necessary to provide photo and video evidence of the incident from the scene of the accident.

Important! Photos and videos from the scene of the incident (vehicles from all sides and detailed location of damage, roads, braking distances, nearby structures) should be attached to the European protocol, which allow you to confirm the accuracy of the information entered in the form.

Compensation or referral to a service station is issued within 20 days from the date of application to the insurance company. In case of delay, the CASCO agreement provides for payment of a penalty in the amount of 1%.

An insurance company may refuse to pay if:

• the fact of a serious traffic violation has been established;
• the protocol is incorrectly drawn up;
• the terms of the CASCO agreement have not been met;
• people were injured as a result of the accident;
• there are disagreements between the parties.

In what cases can you file an accident without the traffic police?

If participants in an accident decide to draw up a European protocol, then they do not have to call the traffic police.

However, such a document cannot be drawn up in all cases. The following conditions must be met:

1. Only two vehicles were involved in the accident.

According to current legislation, a trailer is not an independent vehicle.

1. Those involved in the accident suffered only material damage. It follows from this that if at least one of the drivers suffered harm to health or life, then the document will not be drawn up.
2. There are no disagreements between the parties. This means that the participants in the accident determined the person at fault, the amount of damage, and the nature of the accident.
3. The amount of damage must not exceed the established payment limit under the European protocol. Otherwise, it is impossible to do without involving traffic police officers.

If at least one of the above conditions is not met, then such a document will not be issued. It will be necessary to call the traffic police officers.

Even if one of the participants in the accident is a foreigner, it is still possible to issue a European protocol. It is important that a citizen of another state is the owner of a vehicle registered outside the Russian Federation.

Example

A sample Europrotocol was approved by the Bank of the Russian Federation, in particular by Regulation No. 431-P dated September 19, 2014, Appendix 5. Below is an example of filling out the form, which is possible in accordance with Art. 11 clause 8 of Law No. 40-FZ “On compulsory insurance of civil liability of vehicle owners.”

Sample Europrotocol:

• Location of the accident: traffic light at the intersection of Lenin and Kommunisticheskaya streets in Syktyvkar
• Date of accident: August 24, 2021 at 12.20
• Number of damaged funds: 2
• There were no injuries or deaths.
• There was no material damage to vehicles other than A and B or property.
• Eyewitnesses of the incident were the driver and passenger of the car Deo Matiz Antonova Natalya Semenovna and Antonov Alexey Ivanovich, living at the address Syktyvkar, st. Lenina, 10, apt. 100.
• The procedure for medical examination of the state of alcohol and drug intoxication was not carried out.
• Traffic police inspectors were not called to the scene of the accident.
• Vehicle A: Mazda 6 with state number N 004 SE 11 and VIN number 11111111111111111 was driven by Ignatov Vasily Sergeevich, who is the owner of the car. Lives at Syktyvkar, st. Klara Zetkin, 6, apt. 1. Telephone: 9120000000. Driver's license 11AA 111111. Category B dated January 15. 2010. Insurance policy "Alliance CASCO" series AAA number 111111 is valid until 25.10. 2021
• Vehicle B: Driving an Opel Astra with license plate B 777 TT 43 and VIN number 2222222222222222222 was Valery Andreevich Kupechesky, registered at Kirov, st. Pushkina, 25. Phone: 89040000000. Driver's license 66PP222222, category B dated 10.22.2009. The MTPL insurance policy is issued under insurance Series BBB number 55555, valid until 12/12/2019
• During the collision, the impact fell on the rear of the car: the wing and rear dimensions. Indicate the location of the impact in the image. Then note the circumstances of the accident and draw a diagram.
• Notes: I admit/do not admit my guilt in the accident.
• Signatures of the parties.

After filling out the front side, everyone enters information on the back side of the form.

Vehicle A:

Circumstances of the accident: I, Ignatov Vasily Sergeevich, was driving a Mazda 6 car with state number N 004 SE 11 and VIN number 11111111111111111 along Kommunisticheskaya Street and stopped at a red traffic light. At the same time, an Opel Astra with license plate B 777 TT 43 drove into the rear of the car, driven by Kupechesky Valery Andreevich, registered at Kirov, st. Pushkina, 25.

Note : The consequences of the accident were recorded on a camera and a mobile phone video camera; no adjustments or changes were made.

At the end, the date of the accident, signature and its explanation are indicated in the appropriate fields.

Important! If there are empty lines and gaps, it is necessary to cross out the empty spaces to prevent additions and adjustments by interested parties.

Procedure in case of an accident

Making a decision as to whether it is possible to apply for compensation under the European CASCO Protocol largely depends on the correctness of actions after the accident.

The algorithm here is:

1. Do nothing for the first few seconds. Take a few deep breaths, a sip of water, calm down.
2. Put the car on the handbrake and turn off the engine.
3. Get out of the car and put up an emergency sign.
4. Establish contact with the second participant in the accident, discuss the possibility of solving the problem without the traffic police.
5. Record the event in photos and videos. If there are eyewitnesses, take their passport details and telephone numbers. Record all damage to the vehicle.
6. Fill out the protocol forms and put your signatures on them.

After checking the correctness of the document, drivers can drive away. It is better to discuss the details later, when the nervous tension has subsided.

In what cases can you file an accident without the traffic police?

One of the doubts that arises after an accident is the question of whether it is possible to contact a company under the European CASCO protocol without involving the police.

It is possible if the following points are met:

1. No harm was caused to the life and health of the participants in the accident, their passengers, pedestrians, or pets.
2. Nearby objects of value are not damaged.
3. The circumstances of the event are extremely clear and do not give rise to doubts or differences of opinion.
4. According to rough estimates, the amount of damage does not exceed 100,000 rubles.

Important! Even if at least one position is missing, you need to call the police and record the accident in the standard manner.

Filling out the front side of the European protocol

On this side of the form the following details of the incident are indicated:

1. Place. City, street, house, kilometer of highway.
2. Date, hour and minutes.
3. Number of participants in the accident.
4. No casualties.
5. Alcohol test.
6. Damage to surrounding infrastructure.
7. Information about witnesses.
8. Presence of the traffic police.
9. Data about vehicles and their drivers.
10. The name of the company that sold the policy.
11. List of mechanical damage.
12. Who is guilty?
13. Circumstances (briefly).
14. Scheme.

Article on the topic: Insurance with telematics - what is it, how it works.
First, one sheet is filled out, then the information from it is transferred exactly to the other. After verification, the parties sign them.

Filling the back side

After an accident, the following circumstances are included on the second side of the European CASCO protocol:

1. All information about the vehicle.
2. Your own version of the event.
3. Who was driving before the accident?
4. Whether the equipment is running or not.
5. List of photo and video materials.

Important! The second parts are filled out separately. But it is desirable that they coincide as much as possible.

Example and form to fill out

Technical and geographical data are entered accurately and without distortion. The diagram is done by hand, no professionalism is required. The main thing is that you can understand what exactly happened.

The description of the circumstances is made briefly, without emotion, only the facts are indicated.

Example:

At 10.23 on 05/10/2021 in the city “N” opposite house No. 5 on the street. Dimitrov there was a collision between Lada and Volga cars with license plates (in full). Both cars were damaged (descriptions in the table). There were citizens driving (full name), there were witnesses (full name). Both vehicles are running. There were no injuries and no alcohol tests were carried out.

The accident happened due to the mutual fault of the drivers. The first one braked sharply, the second one did not keep his distance. No complaints. Photo and video files, a diagram, and witness testimony are attached to the protocol.

Important! The use of obscene words and offensive expressions is not allowed in the text. If there are blots, the corrections are certified by the signatures of both drivers.

FAQ

During an incident, which is recorded according to the European Protocol, drivers have a whole list of questions. To simplify the procedure for filling out the document, the owner of the CASCO policy must study in advance all the nuances of filling out the documentation.

To facilitate the implementation of the action, studying the answers to popular questions will help:

The pros and cons of CASCO with a franchise include the financial security of the car owner in cases of damage to the car, while the disadvantage is the rather high cost of the policy.

You can read more about the CASCO conditions from USC here.

Detailed instructions on how to check CASCO insurance at RSA are given in this article.

What does CASCO cover under the European Protocol?

The main problem among car owners who decide to use the Europrotocol in practice is the question of whether it is possible to issue a paper in a given situation? It should be remembered that the method of recording an incident is used only for accidents that are considered minor.

Sample filling

The main characteristics of the accident are:

• Only vehicles were damaged in the incident;
• no damage was caused to other property;
• the nuances of the incident do not become a cause for disagreement among the participants in the incident.

It is necessary to take into account that the information that one of the drivers writes on the form should not contradict the data of the second.

Simplified innovations

The Bank of Russia has obliged all insurance companies involved in the sale of CASCO insurance to make payments for insured events that were issued under the Euro Protocol. However, it should be remembered that the statement is relevant only for newly concluded contracts. The innovations came into force on October 1, 2021.

Not all insurance cases are covered by the Europrotocol.

In order for the company to agree to provide payment according to the documents that the participants in the incident issued on their own, the accident must meet the following criteria:

• 2 cars are involved in the incident;
• no people were injured in the accident;
• damage was caused only to vehicles.

If the incident meets the criteria, those involved in the accident can remove their vehicles from the road and complete the necessary paperwork themselves. Traffic police officers are not called to the scene of the incident. However, the main criterion must be met - the interacting parties have no disagreements about what happened.

If a dispute occurs, you cannot do without calling the traffic police

If the parties have filed an accident under the Euro Protocol, the companies that provided insurance will not require additional paperwork to make the payment. A similar opportunity is provided to persons who have purchased compulsory motor liability insurance. The unified CASCO standard according to the European Protocol was adopted a long time ago. However, not all drivers still understand the nuances of the filling procedure. In particular, problems are caused by the clause related to the consent of motorists in the circumstances of an accident.

Most vehicle owners misinterpret the requirements of this section. Drivers believe that they must independently determine the party that caused the incident. In practice, insurance companies only require that all the details of what happened be recorded.

The institution will independently decide who is to blame for what happened. For this purpose, the company has about 80 emergency schemes that occur most frequently. Experts believe that as soon as drivers understand that they do not have to choose who is to blame for what happened, the popularity of the Europrotocol will increase.

Another reason why vehicle owners were reluctant to use the opportunity provided was the large number of refusals by insurance companies to fulfill their obligations.

Today the figure has decreased significantly. However, it is difficult to restore a reputation that has already been damaged once. For this reason, drivers will remain wary of registering an incident under the European Protocol for some time to come.

The main advantages of CASCO are the ability to receive compensation in case of damage to a vehicle.

The list of accredited CASCO insurance companies from Raiffeisenbank can be found at this link.

Is it worth using the European protocol?

Europrotocol is a convenient alternative way to receive insurance payments. Thanks to which, each driver can collect evidence and record it on a form. There is no clear answer to the question of whether it is worth using it. Due to the low level of legal literacy of the population, the use of the European protocol is not always justified.

Since, wanting to quickly draw up a document, one of the parties, or maybe two, may make serious mistakes. Because of these mistakes, you may be denied insurance benefits. Therefore, it is strongly recommended to use the services of insurance agents, accident commissioners, and auto lawyers. After all, the key to receiving payments from the insurance company is to fill out the paperwork correctly and competently.

At the same time, a single form of the European protocol is in force in many countries of the European Union and Eastern Europe. And the system has proven not only its viability, but also its practicality in real conditions.

At the same time, by independently preparing such a document, a certain burden is removed from the traffic police patrol crews, which allows them to devote more time directly to the prevention of offenses.

This document is a big step towards reforming both the traffic police system and increasing the legal literacy of the population. It allows you not to waste your time waiting for the traffic police patrol, which must first arrive.

Thanks to it, intermediate participants in the process are excluded, who essentially need to explain everything and then fill out the documentation. All this entails a very large time expenditure, which cannot be comfortable and convenient for either party. The introduction of the European protocol was intended to reduce the already negative aspects of road accidents.

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Didn't find the answer to your question? Find out how to solve exactly your problem - call right now: +7 (Moscow) +7 (812) 309-53-42 (St. Petersburg) It's fast and free!

What is the danger of the Europrotocol for the culprit of an accident?

Registration of an accident according to the European Protocol looks attractive, but it also has the following disadvantages:

• difficulty objectively assessing the situation against a background of stress;
• subjective attitude to the event;
• inability to make changes to the text after leaving the scene of the accident.

Here it is worth understanding that the slightest inaccuracy will be used against the driver.

It is possible to draw up a European CASCO protocol, but only in the simplest cases. If there is any doubt, it is better to call the traffic police. This is a sure guarantee of receiving compensation.

Europrotocol

Europrotocol is a simplified scheme for registering an accident without calling the traffic police. The procedure is allowed to be used in accidents that result in minor material damage.

A significant simplification is the ability for participants in road accidents to fill out forms independently. The forms are filled out by both parties, then the car owners send them to the insurance companies, and the investigation of the insured event begins. Ultimately, a decision is made and compensation is paid to the injured party.

Is it possible to issue a European protocol with a comprehensive insurance policy? Let's take a look below.