Maximum payment amount under the European protocol in 2021

Is it worth filling out a notification in case of an accident?

If we write that a European protocol will have to be drawn up in case of any accident, many drivers will be surprised and think that we are writing some kind of nonsense. But in fact, it is so... Let's explain why!

The Europrotocol is not the official name of the document, but only a “popular” definition of how to register an accident without the participation of the traffic police. In reality, the victim or both drivers will have to fill out an accident report. This is the name of the self-copying form that is issued by insurers when concluding an MTPL contract.

And we can say that this very notice must always be filled out, in case of any incident - at least for the victim who intends to apply for compensation under compulsory motor liability insurance due to an insured event. Why is that?

In December 2021, changes were made to clause 2.6.1 of the traffic rules, after which, even if drivers decide to pay on the spot and not file an accident under compulsory motor liability insurance, they will have to fill out a notification of an accident in order to leave the scene of the accident.
If drivers decide to file an incident under compulsory motor liability insurance without calling traffic police inspectors, they will have to jointly fill out a European protocol.
But even if the accident is registered with the participation of employees, and the victim decides to apply to the insurance company for compensation under compulsory motor liability insurance, the set of documents for payment includes a notification of the accident, which the victim will have to fill out one way or another.

Thus, we can say that there is no escape from filling out a notification in case of an accident.

Money or repairs - how is payment made under the European protocol?

Registration of an accident according to the European protocol, that is, without calling the traffic police, is possible only in a few cases. The most important condition for the possibility of such registration is the absence of people injured in an accident - only vehicles should be damaged. Affects the way the incident is reported and the amount of damage. If, upon visual assessment, it can be assumed that it is more than the established limit according to the European protocol, then registration without the police will not make sense.

From 2021, the priority form of insurance compensation is car repair at a service station. But the Federal Law “On Compulsory Motor Liability Insurance” provides for several cases when, instead of restorative repairs, the policyholder has the right to demand monetary compensation from the insurance company. Such situations are described in Article 12 and Article 15 of the said law. Payments under the European protocol in the form of funds are made:

If the victim is a disabled person who owns a car for medical reasons;
If the car services with which the insurance company has contracts do not meet the requirements specified in the Federal Law;
If an agreement on monetary payment of insurance is concluded between the insurance company and the owner of the vehicle;
If the insurer under the PVU is not able to organize repair work at the service station indicated by the policyholder when concluding the MTPL agreement.

All other grounds on which the insurance company would provide monetary compensation relate to situations where people were injured in the incident or when the amount of damage exceeded the indemnity limit under the European protocol. The procedure for paying compensation under a compulsory liability insurance policy is regulated by the current MTPL Rules, approved by Central Bank Regulation No. 431-P. To obtain insurance you need:

Perform post-incident duties as required by traffic regulations. Namely: provide the insurer with information about the insured event;
record damage to the vehicle and the surrounding environment using photo and video equipment;
record the location of colliding vehicles using GLONASS;
remove the car from the roadway after completing the above steps;

Fill out, together with the other party to the accident, a notice of a traffic accident, describe the circumstances of its occurrence;

Submit documents and application for insurance;

Provide the insurance company's expert with the damaged car for inspection and assessment of the extent of damage;

Get a referral for repairs to a service station or money.

The victim has the right to choose the service station he wants from the insurer’s list. The main thing is that it meets all the requirements of the Federal Law “On Compulsory Motor Liability Insurance”. When concluding an insurance contract, the car owner has the right to indicate a priority service station, which should repair the car after an accident. Cash compensation for compulsory motor liability insurance under the European protocol can be paid to the policyholder to a bank account (non-cash) or through the insurance company's cash desk (in cash).

Up to what amount can the European protocol be issued in 2021?

Since we are not interested in complying with formalities when registering an accident and applying for payment, but in receiving insurance compensation according to the European protocol, we will tell you in more detail about the maximum amounts of payments according to notification today. There are two such amounts – or rather, limits:

the maximum payment limit under the European protocol can be 100,000 rubles,
and maybe up to the amount of 400,000 under certain conditions.

When is the limit 100,000 rubles?

The maximum payment of 100 thousand can be received by the victim if the accident was registered in the following ways:

drivers jointly filling out a notification about an accident in the case where the circumstances of the incident, the nature and list of visible damage do not cause disagreements among the participants;
recording data about a traffic accident using special technical means (working with GLONAS) or using a special program that is integrated with the Unified System of Identification and Authentication (Unified System of Identification and Authentication) if there is disagreement about the circumstances and damage in this accident - we are talking about the application RSA.

In what cases is the maximum payment 400,000 rubles?

Insurance compensation in the amount of 400,000 rubles is generally the maximum amount that a victim can expect under compulsory motor liability insurance when damage was caused only to his property. This is indicated in paragraph b of Article 7 of the Law on Compulsory Motor Liability Insurance.

The maximum amount of 400 thousand can be obtained not only when registering an accident by traffic police officers, but also when independently registering it according to the European protocol, subject to the transfer of data electronically in established ways. Below we will find out in detail how to do this in practice.

To do this, you need to have a special technical tool that provides fast and uncorrected transmission of data about an accident using the GLONASS system, or use software that works in conjunction with the Unified Identification and Automation System, through which the accident is registered. We are talking about 2 applications:

Road accident.Euro protocol (download for Android or iOS)
or OSAGO Assistant (download for Android or iOS).

These 2 softwares also differ in their design methods - we will write about this a little below.

At the same time, it is important to remember that the paper Euro protocol form is not filled out only if the accident was registered using these special programs.

Every third accident is now reported without traffic police

— In 2010, when the so-called “Euro protocol” was introduced, the maximum amount of insurance compensation for notification of an accident did not exceed 200 euros. At that time, car enthusiasts assessed the initiative cautiously. In the first year, only 517 notices were issued. In 2011 - already 5.5 thousand,” says Sergei Rabetsky , Deputy General Director of the Belarusian Bureau of Transport Insurance.

In 2014, the limit of insurance payment for notification of an accident was increased to 400 euros. The number of insurance cases registered using notification forms increased to 13 thousand. Gradually, drivers got used to this system, and last year, out of 87 thousand road accidents, 26.7 thousand cases were registered without the involvement of the traffic police. In 2021, there were already almost 17 thousand such accidents.

Now they have decided to increase the limit again - to 800 euros. Why did you choose this particular amount? According to the Belarusian Bureau of Transport Insurance, in 85% of road accidents that occurred in 2021, the damage amounted to just up to 800 euros.

— With a limit of even 400 euros, many had doubts whether it would be enough or not enough to repair the car. If there is a scratch on the bumper, it’s clear that enough is enough. But with more serious damage, it was necessary to understand at least a little about car repair, to understand what and how much it could cost, explains Sergei Vladimirovich.

How to file an accident to obtain maximum compensation using electronic means of recording?

In order to receive the maximum payment of 400,000 rubles under the European protocol, everything must be completed correctly. First, you need to make sure that you have the necessary technical means to record the incident. As we indicated above, there are 2 types.

The limit of 400 thousand is set if you have a technical control device that records the fact of a traffic accident, as well as the coordinates of vehicles and transmits all this information through GLONAS in a form that the user cannot change.
Or if you have a smartphone or tablet on which software is installed with user identification through the Unified Identification and Authorization of State Services, with the help of which damaged vehicles will be photographed and information about cars and accidents will be entered. There are two such programs, we have already written about them above.

It is necessary to keep in mind that there is no need to think for a long time about how to register an accident, since when using special technical means with ERA-GLONAS, you will need to press a button and transmit information no later than 10 minutes after the collision. And you can apply through mobile applications no later than 60 minutes.

When registering an accident with the technical means specified in paragraph 1, you must also fill out a European protocol form. In it, in the notes, indicate that “information was recorded and transmitted using such and such a technical means.”

It’s easier to apply through the application - everything is consistent here with tips and it’s intuitive how to do it. But to do this, at least one of the participants in the accident must be registered and have a confirmed account on the State Services portal.

The rules for submitting information to the insurer and the Requirements for special technical means are established by Decree of the Government of the Russian Federation of August 28, 2019 No. 1108.

Pay special attention to the requirements for technical equipment, there are a lot of them and a large number of all kinds of GOSTs are listed. Therefore, when buying such a device, it is better not to take the seller’s word for it, but to check the compliance yourself before the accident, otherwise you risk being left without a payment of 400,000 rubles.

I would like to add that if there is a lot of damage, it is still better to use the help of inspectors. Because there was a case when an accident was reported through the application, but something was not transmitted somewhere. And the court, without much understanding, rejected the victim’s demands - now he will have to prove his case on appeal.

But even when drawing up a regular European protocol with a limit of 100,000 rubles, there are difficulties, namely the calculation of possible damage.

Important note!

This article describes the basic principles of how legislation works. Meanwhile, in judicial practice everything depends on specific circumstances.
In 96% of all cases there are subtleties that can affect the outcome of the entire case.
Therefore, we recommend entrusting the matter to professionals who will study your business and select the right winning strategy.

The TonkostiDTP website employs professional road accident lawyers with experience in all major types of disputes (MTPL, guilt, administrative penalties).

Ask a lawyer

or get a free consultation by calling the hotline: 8.

Under what conditions can you not call the traffic police?

Let us recall the main conditions under which you can fill out the “Euro protocol” form:

— a notice can be issued only when two cars were involved in an accident (but no more and no less);
— in an accident only vehicles were damaged and no other property was damaged;
— no harm to life or health was caused in the accident;
— both participants have valid compulsory motor liability insurance contracts;
- both participants have a valid driver's license;
— drivers should not have any complaints about each other’s condition, that is, be sober. If there are suspicions about the sobriety of the second participant in the accident, then it is better to call the traffic police;
— Drivers must come to a mutual agreement as to which of them is the causer of harm and which is the victim. And they must agree that the amount of damage does not exceed 800 euros for each car.

How to correctly determine the amount of damage?

In order to accurately determine the extent of the damage caused and not make a mistake in registering an accident according to the European protocol, you first need to thoroughly inspect the car and identify all the damage. It wouldn't hurt to take a photo of them right away.

After all the damage has been found, you need to assess the extent of the damage yourself or ask knowledgeable people.

The PCA price guide can help in this difficult matter, according to which the insurer will calculate the amount of damage. But to check the cost of spare parts, you will need catalog numbers of specific parts; they can be obtained from the official ELCATS directories for your car.

If you are in doubt whether a part needs to be replaced or repaired, then always assume that it is replaced, so the possible amount of damage will be maximum.

I would not recommend listening to the culprit’s advice about the cost of this repair. For them, the damage is always a couple of thousand, and their friend in the garage will do it for a tenner, so you most likely will not hear an objective assessment.

Nevertheless, rummaging through catalogs and the RSA reference book while on the road is such an undertaking! Therefore, it is better to imagine in advance the cost of the most vulnerable parts (bumpers, including their amplifiers and decorative elements, fenders, headlights and lanterns, trunk lid, windows and others). But even on the road you can find the approximate price of spare parts quite quickly in search engines.

Maximum compensation limit

Currently (2021), the maximum payment when registering an accident under the European protocol is 100 thousand rubles, that is, the damage caused should not exceed this amount. In Moscow and Moscow Region, St. Petersburg and Leningrad Region, the European protocol allows the driver to receive maximum compensation for compulsory motor liability insurance, but only if there is a video recording of the incident and corresponding markers in the navigation system. Accordingly, installing a video recorder with GPS or GLONASS will help to obtain the maximum possible number due to European protocols - perhaps this rule will soon apply to the entire territory of the country.

I don’t want to fill out a European protocol, but the traffic police refuse to come - what should I do?

There may be several reasons why you do not want to file an accident under the European protocol. For example:

you are not sure of the amount of damage, in your opinion it exceeds the limit of 100,000 rubles for simplified registration;
you have doubts about the authenticity of the culprit’s insurance policy, and checking the policy on the RSA website does not produce results;
there are disagreements with the second participant in the accident about the circumstances of the accident and the damage received (at the same time, they may also exist when registering through the application);
you will not be able to quickly and promptly contact the insurer for compensation (for example, you are going on vacation or are on vacation in another city) within the 5-day period specified in the law.

In this case, when talking with the duty department (this is where you should call, number 102), you should state that the conditions for registering a European protocol specified in the law are not met, and it is not possible to register an accident without the participation of traffic police officers. Demand to send a work order for registration or follow the instructions of the police: take a photograph of everything, draw a diagram of the accident and go to the department for registration, this can also be according to traffic regulations.

If an order is not sent or the inspectors who arrive do not want to document the accident, then the only thing left to do is complain.

First, call the duty station, ask to introduce yourself as a police officer and accept your statement regarding the inaction of police officers, register this statement and tell you the KUSP number.
It may be that you will receive refusals at the duty station, in which case you should complain to the management using the numbers of the duty station of the Main Directorate of the Ministry of Internal Affairs.
You can also call the prosecutor's office.
Ideally, have a record of all these calls and conversations with employees; this will help in the future if there are any proceedings in this regard.
As a last resort, if no calls or complaints help, then you will have to file an accident according to the European protocol and record all damage to the cars, the location of the vehicle and the documents of the second participant.

How to get insurance?

Within five working days after the accident, the victim and the culprit of the accident must send the Euro Protocol form to their insurance companies in accordance with clause 10 of Art. 12 40-FZ (can be by registered mail with return receipt requested or by any other method that will provide confirmation of dispatch). The victim attaches an application for insurance payment. Read more about what to do after drawing up the European Protocol in case of an accident in our article, and here you can find out the deadlines for submitting a notice to the insurance company.

The insurance company may require vehicles to be inspected and subject to independent technical expertise. Once such a request is received, it must be completed within five business days. Within 15 calendar days, both participants in the accident should not begin repairing their cars or disposing of them.

The victim will need to provide a package of documents to the insurer in order to receive compensation. Here are the papers needed:

the Europrotocol itself (notification of an accident), filled out in accordance with all the rules and signed by both participants in the accident;
claim for damages;
passport of a citizen of the Russian Federation and a copy of a driver’s license;
OSAGO policy;
documents for the vehicle, a copy of the registration certificate, a copy of the title;
if it is not the car owner himself who applies for payments, then a power of attorney will be required;
bank account details (needed for cash payments);
photos or video materials from the scene of the accident on electronic media, if available;
If there are witnesses, you can provide their written testimony.

You can find a more detailed list of documents for receiving payment under compulsory motor liability insurance after an accident under the European Protocol here, and from this article you can familiarize yourself with how a notification of a road accident is prepared under CASCO.

We have drawn up a European protocol, but the maximum payment is not enough - what to do?

If you were forced to register under the European protocol as in the example above, or incorrectly estimated the amount of damage, then this is not a verdict. It will be possible to fight for full compensation for damage from an accident.

Is the insurance company required to pay extra over the limit?

If the amount of damage exceeds the stipulated limit for payment by the insurer, then there is no point in fighting and demanding anything from the insurer.

It will not be possible to recover damages in excess of the limit from the insurance company; it should not pay more than specified in the law.

Is it possible to cancel the European protocol and register it with the traffic police?

One of the options to solve this problem is to register an accident with the traffic police. It is possible, it is legal, but there are several difficulties:

firstly, you need to arrive at the traffic police with the second participant, but he may not cooperate and may not want to do this,
secondly, inspectors may not want to document your incident, but this can be solved through communication with the boss and complaints, as we wrote about above.

After registering an accident, the damage limit will increase to a maximum of 400,000 rubles.

How and how much do they pay?

Repair at a car repair station

In 2021, Federal Law No. 49-FZ dated March 28, 2017 was adopted, which introduced important changes to the Law “On Compulsory Motor Liability Insurance”. Previously, monetary payments had priority as compensation for damage. From 2021, “in-kind compensation for losses” has priority. That is, the victim does not receive money, but repairs at a car service station, which are paid for by the insurer.

The insurance company conducts an examination, evaluates the necessary details and services according to the methodology of the Central Bank of the Russian Federation. This means that the prices taken are not “real” ones, but the statistical average or those indicated in special directories. Calculating the cost of repairs using this method may, for example, not imply painting of parts or they will be partially painted.

In accordance with the law, only new parts must be installed on the car. However, if the car owner agrees to use used spare parts, they can install them. What if the amount calculated according to the Central Bank’s methodology is not enough to restore the car? In this case, the owner of the car will have to pay the missing money.

Which service station will carry out the repair work?

By law, this must be a car service center located no further than 50 km from the victim’s place of residence or from the scene of the accident. The law provides that a car owner can choose a service station for repairs with which the insurance company does not have an agreement. However, this point will need to be agreed in writing with the insurer.

Important! The priority of car repairs over cash payments applies only to cars owned by citizens of the Russian Federation and registered in Russia.

Compensation

In some cases, it is possible to receive a payment under compulsory motor liability insurance, and specifically in situations where a European protocol for an accident has been drawn up, if the losses based on the results of the examination exceed the amount of compensation, and the driver refuses to pay extra out of his own pocket for repairs at a service station provided by the insurer. In this case, the car owner may receive a financial insurance payment under the insurance contract.

We recommend that all motorists familiarize themselves with what recourse is and what to do if the insurance company demands payment of damages under the European OSAGO protocol. And also find out whether corrections are allowed in the Europrotocol and what to do if the form is damaged.

Is it possible to recover the difference from the person at fault for an accident?

You can convince the second participant in the accident to arrange everything through the traffic police by describing to him the second option for the development of events - collecting the difference directly from him.

The fact that you filed an accident under the MTPL Law according to the established rules does not exempt the culprit from full compensation for damage under civil law.

The culprit will be obliged to compensate you for the difference between the payment under compulsory motor liability insurance and the market cost of repairs, even though the accident was registered under the European protocol.

That is why the culprit, more than anyone else, is interested in the correct calculation of the approximate damage when choosing a method for reporting the incident and further increasing the insurer’s limit, if necessary.

If you have just such a situation when the damage exceeds the limit of the European protocol under the compulsory motor liability insurance policy, then here is an example of judicial practice from the Armed Forces of the Russian Federation with an analysis of such a situation and recovery of the difference from the tortfeasor.

With wear less than the limit, without wear - more: is it possible to recover an additional payment from the culprit?

In this case, everything is quite interesting. According to Articles 15 and 1064 of the Civil Code of the Russian Federation, the party injured as a result of an accident has the right to demand full compensation for the damage caused to it. It is on the basis of these legislative projects, as well as the ruling of the Constitutional Court, that people recover from the culprit of the accident the amount of additional payment for wear and tear under OSAGO.

But in the case of the European protocol, there is a significant subtlety: the law and agreement provide for payment of damages in a smaller amount. And the Federal Law on Compulsory Motor Liability Insurance takes this into account – the limit limit.

The judicial practice in this matter is as follows: drivers tried to challenge the rule specified in the Federal Law, but the Constitutional Court did not see any problems in any of the submitted applications.

Thus, in the terminology of the laws on compulsory motor liability insurance, the concept of a European protocol sounds as follows - this is an agreement between the injured party and the culprit of the accident, which is binding. By filling out a notification about a traffic accident, the victim automatically confirms that he has no objections regarding the circumstances of the accident, the nature and list of damages, as well as the amount of compensation.

This is precisely the opinion held by the same Supreme Court of the Russian Federation. Already in another PPVS the following is stated:

39. Compensation for losses within the amounts established by Article 11¹ of the Law on Compulsory Motor Liability Insurance is a simplified way of fulfilling obligations by the insurer, as a result of which payment terminates the obligation of the insurer and the causer of harm for a specific insured event (clause 1 of Article 408 of the Civil Code of the Russian Federation).
In this regard, the claim of the victim against the insurer and/or the causer of harm for damages in an amount exceeding the maximum amount of insurance payment cannot be satisfied, except in cases where there is an agreement between the participants in the road traffic accident when registering it without the participation of authorized police officers declared invalid by the court.

By the way, about invalidating the European protocol...

How to correctly draw up a Europrotocol in case of an accident

Features of filling out the form. Write:

with a regular ballpoint pen. Do not use gel or pencil - the notes may be erased or smudged;
legible handwriting or block letters;
preferably without blots. If they are, both drivers must approve them with the phrase “Corrected Believe” and their signatures;
in all fields. If one of them is left blank, put a dash.

Front side. Indicate on it:

scene of the incident. For example, the intersection of Stepan Razin and Gorky streets near house No. 7. If the accident is on the highway, indicate the name of the highway and the kilometer;
date. Time - accurate to the minute;
witness data, if any;
data of vehicles, owners and drivers;
description of damage.

Make a diagram of the accident at the bottom of the sheet. To do this, depict the site, neighboring streets with house numbers, traffic lights, signs, markings. Draw the cars on the diagram with rectangles marked A and B. Indicate the direction of movement with an arrow, and the location of impact with an × sign. Under the diagram, decipher the symbols.

Sign the document in paragraphs 15 and 18.

Reverse side. Here you can write your vision of the situation and disagreements, if any. In the note, mark the application if there are photos or recording from the DVR.

What is it and in what cases can it be issued?

The Europrotocol is a procedure for simplified registration of road accidents without the participation of employees of authorized bodies, when the documents are filled out by the drivers themselves. Legislatively, this possibility is regulated by Art. 11.1 Federal Law “On compulsory civil liability insurance of vehicle owners” No. 40-FZ.

In accordance with paragraph 1 of this article, in order to register an accident under the Euro Protocol, several conditions must be simultaneously met:

There were no casualties, damage was caused only to property
Two vehicles were involved in the accident.
None of the participants in the accident were under the influence of alcohol, narcotic or psychotropic substances.
There is no disagreement regarding all important aspects of the accident: who is at fault for the accident, the nature of the injuries received
Both vehicles are insured under compulsory motor liability insurance (we talked about what to do if the person at fault for an accident does not have a policy, and from this article you will find out whether the victim can claim compensation if he does not have a registered compulsory motor liability insurance policy).

Is it possible to register an accident without the traffic police?

Yes, in order to register an accident, it is not necessary to call the traffic police squad. But only if two cars collided, both drivers have MTPL policies and no people were injured.

What is the Europrotocol? This is a procedure that allows you to register an accident without involving the police. Participants in the accident fill out an accident report, take photographs of the damage, after which the insurance company responsible for the accident pays the victim up to 400 thousand rubles for repairs. There is no need to wait for the police for several hours and block traffic.

When is the best time to call the traffic police? If more than two cars are involved in an accident, one of the owners does not have a car insurance policy, or more money is required for repairs, call the police. The inspector will draw a diagram of the accident, record information about the participants in the accident and draw up a report.

Responsibilities of the insurer

If there are no violations in terms of submission and list of documents, the victim’s insurance company is obliged to make a payment in the amount of actual damage , but not more than 50 thousand rubles. For MTPL contracts concluded after 04/28/2017, the possibility of compensation for damage caused in kind is provided - by organizing restoration repairs.

The deadline for receiving payment is determined by clause 21 of Art. 12 of the Federal Law on OSAGO and is 30 calendar days, and in the case of receiving a referral for repairs - 20 calendar days (we talk about the procedure and timing for receiving payment from the insurance company here). If there is a need to inspect the vehicle, the insurance company must arrange it within 15 days of the accident, and the owner must provide his vehicle within 5 days of receiving such a request.

According to paragraph 13 of Art. 12 of the Federal Law on Compulsory Motor Liability Insurance, if after the inspection the victim and the insurer do not agree on the extent of the damage caused, the insurance company is obliged to organize an independent technical examination.

Actions of drivers after signing all papers

After completing all the documents, both parties to the accident are required to notify their insurer about the incident within no more than 5 working days. This period is determined in accordance with paragraph 2 of Art. 11.1 Federal Law On Compulsory Motor Liability Insurance. Each driver provides his own copy of the accident notice , and the victim also provides a statement for direct compensation for losses. In addition, photographs from the scene of the incident on electronic media will be required.

For 15 working days, owners of vehicles involved in an accident do not have the right to repair, resell or dispose of them. At this time, the insurance company may request vehicles for examination, and the law obliges drivers to provide them within 5 days of receiving such a request.

What documents must be submitted to the insurance company?

The person at fault provides his insurer with only a copy of the accident notice. For the victim, the list of documents is longer:

application for payment;
passport or identity card of the policyholder;
driver's license of the citizen who was driving the car at the time the insurance situation occurred;
PTS or registration certificate;
OSAGO policy;
photographs from the scene of the incident on electronic media;
notification of an accident;
bank details for transferring funds.

We discussed in more detail the question of what documents may be needed when applying for compensation under compulsory motor liability insurance after an accident, as well as where to get them, in a special article.

Design features

Registration of an accident according to the “simplified” scheme has significant differences from the standard scheme:

You can only apply for payment under the Euro Protocol to your insurance company.
There is no need to call traffic police officers to the scene of the incident or go to the department; all documents are filled out by the drivers themselves.
It is necessary to take detailed photographs of the accident site: a general plan, which shows the location of the cars relative to each other at the time of the collision, braking marks and broken parts; it is recommended to take close-up photographs of the damage sites and vehicle registration plates.
The main document when drawing up the Europrotocol is a notification of an accident.
When filling it out, no blots or corrections are allowed, and you cannot omit any items. It is necessary to draw a diagram of the accident indicating streets and landmarks, draw vehicles at the time of the collision and the trajectory of their movements. On the reverse side, each driver must briefly describe what happened, the culprit indicates “I admit my guilt,” and the victim indicates “I am not guilty.” After registration, each of the participants in the accident takes a copy of the notice and gives it to their insurer.
Documents must be provided within 5 working days; this must be done not only by the victim, but also by the culprit. If the driver, through whose fault the accident occurred, did not comply with the requirements of the law, this is not a basis for refusing compensation for damages.
You cannot repair, sell or dispose of your car within 15 working days; upon receipt of a request to provide the vehicle for examination, this must be done within 5 working days.
If the deadlines for submitting documents are not met, the insurer may refuse to pay the victim and may file a recourse claim against the culprit of the accident.
The maximum payment amount under the Europrotocol is 50 thousand rubles. From June 1, 2021, it will be increased to 100 thousand rubles.

Many problems, one phone

The Europrotocol is a procedure for registering an accident without calling traffic police officers and is a simplified procedure for documenting an insured event.

What is the Europrotocol?
Payment limit under the Europrotocol from June 1, 2018:
Rules for drawing up the Europrotocol from June 1, 2018:
The sequence of actions when drawing up a European protocol in case of an accident from June 1, 2021:

What is the Europrotocol?

What is the European protocol and what is it used for???

A traffic accident is always a surprise. It happens when you don't expect it at all. As a result, the day was lost: an hour of waiting for IDPS, several hours of registration at the traffic police. Several visits to investigators for a decision on the case. The European protocol for road accidents in 2021 is designed to reduce the burden on traffic police officers preparing road accidents, reduce the number of traffic jams in the city, and save the time and nerves of injured drivers.

According to Government Decree No. 732 of September 30, 2008, amendments made to the Law on Compulsory Motor Liability Insurance allow you to receive insurance payment without registering with the traffic police

In 2015, changes to the traffic rules came into force, which stipulate that in accidents with minor damage, drivers are required to clear the roadway if the movement of other vehicles is obstructed. Otherwise, you will have to pay a fine .

In simple terms, we can say that drivers are required to draw up a European accident report from June 1, 2021, if the damage caused to the victim is less than 100,000 rubles, but there are several more conditions, which we will discuss below.

Commentary from the Society for the Assistance of Motorists: Drivers who get into an accident experience stress; other drivers experiencing difficulties due to an accident only fuel the tense situation. Will you be able to calmly assess whether your car received significant or minor damage in an accident and decide to issue a European accident report in 2018? After all, significant or minor damage is determined not by the amount of damage, but by the cost of repairing it, and on many expensive foreign cars, one headlight or bumper can cost more than 50,000 rubles. Without delay, call our call center at 400-5-400 and we will help you make a decision and avoid financial losses.

These innovations force motorists involved in an accident, subject to certain conditions, to register the accident under the European protocol.

Payment limit under the Europrotocol from June 1, 2018:

The limit of insurance compensation under the European protocol from June 1, 2021 is 100,000 rubles (Article 11.1 of the Federal Law of April 25, 2002 No. 40-FZ “On compulsory insurance of civil liability of vehicle owners” in the latest edition.

For regions (Moscow, St. Petersburg, Moscow region and Leningrad region), the insurance compensation limit is 400,000 rubles - and it does not matter in which region the compulsory motor liability insurance policy was issued, the only thing that matters is that the accident occurred in the territory of one of these regions (Art. 11.1 of the law on compulsory motor liability insurance). Provided that the location of the accident was recorded by appropriate equipment operating using global navigation satellite systems.

Rules for drawing up the Europrotocol from June 1, 2018:

The accident involved 2 cars.
There were no casualties in the accident, only cars were damaged.
Both drivers have valid MTPL policies.
Both drivers have no disagreement about the circumstances of the accident and who is at fault for the accident.
The accident notice contains a list of visible damage to vehicles.
The estimated damage to the victim is less than 100,000 rubles.
To register an accident within the limit of 400,000 rubles, it is necessary that the location of the accident be recorded with appropriate equipment operating using global navigation satellite systems.

The sequence of actions when drawing up a European protocol in case of an accident from June 1, 2021:

Put up a warning triangle.
Record information from witnesses to the accident.
Take photographs of the accident scene, braking marks and the relative positions of the cars from different angles.
Draw a diagram of an accident with location reference.
Fill out the accident notification form with both participants.
Clear the roadway if the movement of other vehicles is obstructed.
No later than 5 working days, submit a claim to your insurance company for both participants in the accident.

It is important to know: failure to comply with the requirements established by the Law for road accident participants to draw up a European accident report entails a refusal of insurance payment.

Comment from the Society for the Assistance of Motorists: in simple terms, we can say that the document on the basis of which you will contact the insurance company by filling out a European protocol for an accident in 2021 is an accident notification form. An incorrectly filled out accident notification form will serve as a legal reason for the insurance company to deny it, and you will have to pay for repairs out of your own pocket. Call our call center at 400-5-400 and we will help you avoid financial losses.

The most complete instructions on how to fill out an accident notification form can be found on the website of the Russian Union of Auto Insurers at: https://www.autoins.ru/ru/Evro/uoDTP/strahovateli/

Read more about the accident notification form here!