Is it necessary to call the traffic police in case of an accident?

The procedure for registering an accident without the participation of the traffic police

For more than five years in Russia it has been possible to register minor road accidents without calling traffic police officers - according to the so-called European protocol.
Since August 2014, a reform of the procedure for registering accidents in a simplified manner has been carried out and the amount of insurance compensation has been increased. For example, the maximum amount of payments under the European protocol was doubled, to 50 thousand rubles, and if you follow a special procedure for registering an accident that occurred in Moscow, St. Petersburg, the Moscow region and the Leningrad region, you can receive a payment of up to 400 thousand . rub. So, you can register an accident without the participation of traffic police officers if:

• The accident involved two vehicles;
• no people were killed or injured in it;
• as a result of the accident, no property was damaged, except for the cars of the participants in the accident;
• both participants in the incident have a valid MTPL policy;
• both participants in the accident have the same assessment of the circumstances and damage to the vehicles, have no disagreement about who was at fault for the accident, and agree to file the incident in a simplified manner.

It should be borne in mind that it makes sense to register only really minor accidents using the European protocol, since the amount of insurance compensation with this registration procedure is very limited and amounts to 50 thousand rubles. (25 thousand rubles, if the civil liability of both participants in the accident was insured before August 2, 2014). This restriction does not apply and insurance compensation can be paid in full (400 thousand rubles) subject to the following conditions:

• The accident occurred in Moscow, St. Petersburg, the Moscow region or the Leningrad region;
• the civil liability of both participants in the accident was insured after September 1, 2014;
• participants in an accident have the opportunity to record (with the help of technical control means that ensure uncorrected recording of information) and provide to the insurer data on the circumstances of damage to the vehicle as a result of the accident.

You should pay special attention to compliance with the deadlines for transmitting information about the accident to your insurance company. Both the victim and the perpetrator of the accident are required to do this within five working days from the moment of the accident. In addition, for 15 calendar days (minus non-working holidays), it is prohibited to repair or dispose of damaged vehicles without the permission of the insurer. If the culprit of the accident violates these conditions, the insurance company will have the right to recover from him the entire amount of payment in full.

In what cases can you file an accident without calling the police, what documents will need to be drawn up and what amount of insurance compensation can you receive, find out from our infographics.

Click on the picture to enlarge

Road accident up to 50 thousand how to register

From October 1, 2021, when registering an accident under the European protocol, the limit of 100 thousand rubles was abolished. Now, participants in an accident who have compulsory motor liability insurance policies can do without the presence of traffic police inspectors if the damage is up to 400 thousand rubles. This is the maximum amount of coverage for the risk of damage to property that is provided by the MTPL policy. This rule, in the form of an experiment, was in effect for several years only in Moscow, St. Petersburg, the Moscow and Leningrad regions - more than a quarter of all car owners are concentrated here. In other cities, drivers were limited to a limit of 100 thousand rubles.

But it is still possible to register an accident under the European protocol only if three conditions are met: if only two cars were involved in the accident, the drivers of which are insured under MTPL; if there are no injuries or deaths in the accident; unless damage is caused to third parties.

To count on compensation of up to 400 thousand rubles. When registering under a European protocol, the parties to the accident need to reach full agreement regarding the degree of each other’s guilt. In addition, an accident must be registered not in the form of a paper notification, where motorists draw diagrams by hand and give explanations, but using a special mobile application “Accident.Europrotocol”. Both drivers must be registered on the federal government services portal.

To register, one of the participants in the accident should, using the application, take a photo of the damaged cars on their phone, indicate the circumstances of the accident, and fill out the necessary fields. The second driver must add his data using the same phone. After this, an electronic notification will be generated - the second driver will receive a download link to the email address specified when registering with Gosuslugi. When you click on the link, a notification will appear in the personal account of the second participant in the accident.

And from November 1, a new mobile application for processing the European protocol will be launched. It should significantly reduce the time it takes to register an accident without calling the police. Drivers will no longer have to enter most of the information that needs to be included in the document about an accident. All this information will be automatically pulled up from the AIS OSAGO and the drivers’ personal account on the Unified Government Services Portal.

Now, even if there are disagreements between the participants, the European protocol can still be drawn up. But only in electronic form, and the amount of compensation will not exceed 100 thousand rubles. This is how insurers protect themselves from fraudsters who issue fake notifications about non-existent accidents and receive insurance payments.

Therefore, drivers who have not agreed with each other can also take photographs of cars, record their location, damage and send the data to the Russian Union of Insurers (RSA) using the “DTP.Europrotocol”. If drivers do not agree on the culprit in an accident with damage of 100–400 thousand rubles, then there is no choice left - they will have to wait for the traffic police.

RSA assures that when using mobile applications, it will be more difficult for insurance companies to refuse payments to motorists based on incorrectly compiled materials. Since the requirements for the preparation of materials are as clear as possible, and the data is pulled from personal accounts on the State Services, the likelihood of compiling materials with an error is reduced compared to a regular “paper” scheme.

As for claims from insurers regarding the quality of materials, according to RSA, the number of complaints from motorists about insurance company refusals both in the case of “paper” registration and registration using a mobile application is approximately the same. RSA hopes that by the end of 2021, up to 50% of all small accidents without injuries will be processed using the European protocol.

The insurers themselves say that from a technical point of view, a significant part of Russian motorists are already ready to fulfill the requirements for registration of the European protocol. “The “Road Accident.Europrotocol” application is constantly being improved by RSA, work is underway to integrate it with the mobile applications of insurance companies. To avoid problems during settlement, you must carefully fill out all the fields and correctly draw a diagram of the accident, and also do not forget to notify your insurance company about the incident within five days, including in the case where you are the culprit,” explained Autonews.ru in Rosgosstrakh.

Insurance companies are confident that after increasing the limit, motorists will be less likely to contact the traffic police. Now in more than 50% of accidents the damage exceeds 100 thousand rubles. However, IC Soglasie noted that at first not all motorists will be able to take advantage of the new opportunity, since not everyone uses government services and mobile applications.

In case of in-kind compensation (i.e. free repairs), the insurer will additionally agree on the repair of hidden damage. If the motorist received money for repairs, he must inform the insurance company that he discovered hidden damage.

“This is necessary to agree with the insurance company on the time for additional inspection and recording of damage,” Rosgosstrakh said. — Further, upon assessment of the damage, the insurer will make an additional payment of compensation. Of course, additional agreements and additional payments are possible only within the established limit.”

If the defects exceed the amount limited by insurance, then, as the RSA clarified, the injured party will need to resolve these issues with the person at fault for the accident. First, in the form of a pre-trial claim, and if a settlement cannot be reached, in the form of a lawsuit.

Potential fraudsters are warned in Soglasiya: registration of an accident without the participation of police officers does not exclude the obligation of the victim to present the car to the insurer for an examination. In turn, representatives of the online personal insurance platform Mafin said that insurers will now consider each case more carefully in order to protect themselves from dishonest drivers.

Registration of an accident without calling the traffic police: new rules in 2021 and legal advice

The constantly growing number of vehicles on the roads of large Russian cities and the reform of the Ministry of Internal Affairs (reduction of staff) led in 2015 to changes in the rules for registering road accidents. In conditions of heavy traffic (especially during rush hours), any small collision of cars caused traffic paralysis. After all, according to the old rules, drivers did not have the right to leave the scene of an accident before the arrival of the traffic police, because for this there was a risk of deprivation of rights.

So the participants in the accident, the registration of which must be carried out by the traffic police crew who arrived on call, stood for long hours, creating significant problems for city traffic. Even though the damage is insignificant and everyone has compulsory motor liability insurance, they can’t leave. From July 1, 2015 (subsequently only minor changes were made) this procedure changed. Now the traffic rules indicate cases when participants in an accident can leave without waiting for the traffic police inspector, or even not contact law enforcement officers at all.

Mandatory driver actions in case of a car accident

Every motorist must be prepared for a traffic accident, for which drivers need to master the algorithm of necessary actions.

Of course, a car accident is a huge stress for a person, but the latter needs to pull himself together and begin to act, since not only human health and life will depend on competent actions, but also the nerves and time of the participants in the car accident when registering the accident in order to receive compensation.

When can you not contact the traffic police?

There are many opportunities for actions to independently register an accident (without involving the traffic police). The main thing is that the accident does not affect people, but only affects the condition of the cars.

To understand the issue in more detail, first let’s look at what the procedure is in case of an accident according to the rules in force today (2020). It (the order) is established by clauses 2.5, 2.6 and 2.6.1 of the Traffic Regulations. These rules state that when a person is driving, if they get into an accident, the first thing they need to do is:

• stop and turn off the car;
• inform others about the danger by pressing the emergency button;
• mark the location of the accident using a special sign.

Next, the driver must:

• check the condition of people involved in an accident, if there are victims, call doctors and law enforcement officers (the single emergency phone number is 112);
• If you need emergency help, organize it. Hitch the wounded to a nearby medical facility or take them yourself;
• After delivering the wounded, return to the scene of the accident.

If everything went well with health, and only the hardware was damaged, then clause 2.6 comes into effect. It gives those involved in the accident four possible actions. At the same time, they must clear the roadway (if the injured vehicles interfere with traffic), having previously carried out photo and video recording of the accident site. By recording the position of the vehicle on the road, the brake mark and other facts that allow us to establish the circumstances of the accident.

For failure to comply with the rules to clear the passage, drivers may face a fine of 1,000 rubles.

Four options for action in case of an accident without casualties

Option 1. The drivers who drove the colliding vehicles do not have a common opinion on the reasons for what happened (as to culpability in what happened), on the extent of the damage caused, etc. In this case, it is necessary to collect data (full name, plus contacts) of witnesses and call the duty station (contact a traffic police representative). The official, based on the information received, will make a decision on sending the crew to the scene of the accident (if the information from the words is not clear and requires additional study). Or he will indicate the address of the department (or post) to which the participants in the incident need to go to register. As a rule, it is suggested to go to the department. In this case, before the trip, participants need to draw a diagram of the accident, take videos and photos of cars, tracks and other facts related to the incident.

The investigation group in the traffic police department examines the circumstances of the case, determines who is to blame, draws up a report and issues a decision. According to the regulations adopted in 2021, a certificate of an accident is no longer issued (only a protocol and a resolution). It is these documents that the injured party provides to the insurer to justify its right to compensation.

Option 2. Among the participants in the incident there are no discrepancies in the assessment of who is to blame for what happened and the nature of the damage. But, at the same time, more than two vehicles collided; not all participants have current compulsory motor liability insurance; in addition, there are a number of other obstacles to the application of the Europrotocol. In this situation, you will also have to contact the traffic police. As in the previous option, call the duty station and get an address where you can go for registration. Having previously prepared a schematic image of the accident, taking photos and videos.

Option 3 . "Amicable". When the damage is small (and is compensated on the spot), and third parties have not suffered in any way, the rules allow not to report anywhere and not to register anything. That is, to the question of whether it is necessary to call the traffic police in a minor accident, the legislator gives a direct negative answer.

Option 4. Euro protocol. The most promoted option by modern authorities and human rights activists for resolving the situation with road accidents. According to representatives of law enforcement agencies, the fact that an accident, as a rule, is a violation of traffic rules, does not allow completely abandoning the services of the traffic police in the registration of accidents in which only material damage is present. Some of the violations entail punishment under the Code of Administrative Offenses of the Russian Federation, and this is the area of ​​responsibility of law enforcement agencies.

How can you file a traffic accident yourself?

“Notification of an accident” is an official document, the execution of which has certain requirements.

When filling out the notice, write in block letters so that anyone can read your notes. Use only a ballpoint pen, then a clear imprint will be formed on the second sheet of the self-copying form. Each driver must fill out both pages of the form, without gaps. All corrections must be certified (signed).

On the first sheet of the notice, which is common to the participants in the incident, there must be two signatures of each participant (if there are no corrections). With the first signature, each driver certifies the correctness of the data entered by him, the second - the absence of discrepancies in the interpretation of the circumstances of the accident.

Maximum payout under the Europrotocol

In case of simplified registration of an accident, the following maximum payments are established by law:

For all regions (except Moscow and St. Petersburg and regions) – 100,000 rubles. From 06/01/2018 (in accordance with 448-FZ dated 12/29/2017)

For residents of Moscow and St. Petersburg and the regions, the maximum payment amount can reach the maximum compensation limit under compulsory motor liability insurance. Today it is 400,000 rubles. But, only with the mandatory provision of video and photo evidence obtained together with geopositioning data. This was done to combat fraud. Thanks to satellite systems, an incident that occurred in the Vladimir region cannot be represented as an event that took place in the Moscow region.

Accruals are made according to the policy of the participant in the accident found at fault. This will affect him by increasing the cost of insurance in the future.

Where can I get the Europrotocol form?

This form is issued by the insurance company when selling insurance, complete with the policy and instructions. If you purchase an electronic policy, the car owner can stop by the office of any insurance company and receive it for free.

The protocol form is a single “pie” of 3 sheets of self-copying A4 paper.

In its absence, you need to:

• stop by the office of any insurer;
• print out the established form from the RSA (Russian Union of Insurers) website. By the way, here you can also check the authenticity of the policies.

In the case of a printout, you will have to fill out twice as much, so it is better to have the original form. The main thing is that at least one of the drivers who decides to file an accident without the traffic police has it.

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:

1. Only two vehicles were involved in the accident, and both participants have a valid MTPL policy.
2. Only cars and their trailers were damaged. There were no injuries, no deaths, no damage to other property.
3. 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.
4. 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:

1. 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.”
2. 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.

What to do if people were injured in an accident?

If there are victims in an accident, it is impossible to register an accident without the traffic police. If this happens, the Rules clearly prescribe:

1. Report to the duty station information about the accident and the number of victims. A traffic police crew and an ambulance will be sent to the scene of the accident.
2. In an acute situation, organize the provision of first aid and send the wounded to the nearest hospital. With the help of people passing by, or yourself.
3. Having delivered the victim to a medical facility, return back to register the accident (together with the police).

If there is no need for urgent transportation of victims, emergency vehicles do not completely block traffic. Then, those involved in the accident must collect information from eyewitnesses and take measures to preserve traces of the incident until the arrival of the traffic police squad.

In situations where, as a result of a collision, traffic is completely blocked, it is necessary to make photo-video recording and drive the vehicle to the side of the road. Then start sketching a diagram of the accident.

Simplified registration in such a situation is impossible. In this case, it is important to carefully ensure that information is not fabricated that could incorrectly identify the party at fault in the incident.

Do you need to call the traffic police in case of an accident?

Not all road accidents require the personal presence of traffic police inspectors. When can you do without them?

Attention! If you have any questions, you can chat for free with a lawyer at the bottom of the screen or call Moscow; Saint Petersburg; Free call for all of Russia.

1. There were no injuries in the accident.
2. No state property was damaged.
3. No more than two cars are involved.
4. Participants have valid MTPL policies.
5. There is no dispute about who caused the accident.

If all these points come together, then it is possible to register a traffic accident without inspectors. In this case, a European protocol is drawn up. If there are disagreements or inconsistencies with at least one of the points, then the traffic police must be called to register the accident.

Application deadlines

To receive insurance compensation, the owner of the vehicle (or his authorized representative) in 2021 must contact the office of his company (to provide documents) within 5 days. The same applies to the second participant (those responsible for the accident). He must take his copy of the notice to his company (in order to notify it of what happened). When submitting a notice at the company's office, you must receive a copy with the incoming number in return. This will confirm that the document was submitted on time.

Since the insurer has the right to conduct its own assessment (examination) of damage, the law prohibits both drivers from repairing their cars for 15 days.

Documents for receiving payment

As part of the European protocol, in order to receive an insurance payment, the car owner must provide the following set of documents to the insurer:

• application addressed to the director of the company (to receive compensation);
• duly completed “Notice of Road Accident”;
• information carrier with evidence (photo/video).

The media must be original: a memory card from a recorder, camera, mobile phone (if photos are stored in its internal memory), etc.

Plus, you will need to provide (for identification, confirmation of ownership, etc.):

• passport of the citizen and his authorized representative (if any) receiving compensation with copies of the first page and the page with registration attached;
• power of attorney, if the recipient is an authorized representative;
• OSAGO policy;
• registration certificate, or, in its absence (for example, if the car is deregistered) - PTS. Attached are copies made of both sides of the document;
• a certificate from the bank with the details of the current account to which compensation should be transferred.

If, nevertheless, traffic police officers took part in the registration of the accident, it will be necessary to add the documents issued by them:

• protocol on inspection of the scene of the accident with a diagram of the accident;
• resolution to initiate an administrative case.

In the case where there are victims, a certificate from a medical institution is attached. If there is a discrepancy in the assessment of the amount of damage - the conclusion of an independent technical examination.

Step-by-step instructions for filing an accident

with traffic police officers

The regulations for registering a traffic accident by traffic police officers are determined by Order of the Ministry of Internal Affairs of the Russian Federation No. 664 pp. 268 – 289 Federal Law. When there is an accident without casualties, you have to wait a long time for the traffic police team to arrive.

If the police are absent for more than 3 hours

When 3 hours have passed, having warned the duty officer (calls are recorded), the participants have the right to leave. Or go to the nearest traffic police point, having previously drawn up a diagram, taken a survey, and filled out the Notice. It is impossible to prosecute someone for fleeing the scene of an accident under such conditions.

What to do after an accident

Step 1. Before the police arrive, they act in accordance with Art. 2.6.1 Traffic regulations. The driver is obliged:

• stay;
• turn on the alarms;
• make sure no one needs medical care;
• put up a fence;
• record the data of witnesses, eyewitnesses, their coordinates;
• take photo (video) photographs of vehicles, damage, traces;
• if necessary, clear the roadway;
• fill out an accident report and report it to the insurer.

Step 2. Arrival of the traffic police. Participants are explained their rights. The inspection of the crime scene is carried out with two witnesses or video recording. The traffic police patrol collects information about drivers, photos, videos, and identifies eyewitnesses. Determines the direction of movement of the vehicle and the circumstances of the accident.

Step 3. Clearing the road. If the vehicle is blocked from moving, the inspector takes photographs of the tracks, the position of the vehicles, parts, fragments, and stains. After which the roadway is cleared.

Step 4. Inspection protocol. The arriving employee immediately draws up an inspection report. Enters information ranging from the condition of the road surface, lighting, markings on the road, signs. Records statements of eyewitnesses, witnesses, explanations of participants in road accidents.

Step 4. The diagram of the incident reflects the road section, markings, signs, direction of movement of the vehicle, traces, location of the collision, vision of the event from the words of each participant. It is possible to use automated systems. If the driver disagrees and refuses to sign the document, this is done by witnesses (or they use video recording).

Note: Any person can act as witnesses to a traffic accident: eyewitnesses, passengers, relatives.

Step 5. Determine the culprit. Having found out the details, testimony of eyewitnesses, witnesses, the traffic police inspector determines the degree of guilt of each driver. If this causes difficulties, a date is set for analysis by the investigative team.

Step 6. A copy of the administrative protocol is provided to the participants in the accident. As of October 20, 2017, the accident report was cancelled. The necessary information is contained either in the inspection report or in the decision to initiate (a ruling on refusal) a case of an administrative offense.

Important: The victim and the perpetrator of the incident send documents to the policyholder. The first to receive compensation. The second is to avoid the requirement for recourse.

We file an accident according to the European protocol: your own inspector

The rules allow you to file an accident yourself. What do you need to know so as not to be left without insurance compensation?

Registration of an accident according to the European protocol is convenient! There is no need to wait for hours for the inspector to arrive; you just need to fill out a special form, then present the completed notice to your insurance company - and wait for payment under compulsory motor liability insurance or comprehensive insurance. But there are points that you should pay attention to so as not to be left without money for repairs.

Essential conditions

Not every accident can be registered under the European protocol - only minor collisions in which two vehicles were injured. And if the accident also damaged road infrastructure, for example a road sign or a bus stop pavilion, you are not allowed to file the incident yourself. In addition, you cannot use the simplified scheme if people were injured. Or if the second driver does not have an MTPL policy. And, naturally, if disagreements arise between the drivers when determining who is to blame. In these cases, you will have to call the traffic police or go to the nearest traffic police unit.

The main condition that discourages most drivers from registering on their own is the maximum amount that can be paid under insurance: only 50,000 rubles. The possibility of doubling this limit is being discussed, but things have not yet moved beyond discussions.

Theoretically, you can get the maximum for compulsory motor liability insurance (400,000 rubles) if both cars are equipped with accident-detecting modules of the ERA-GLONASS system (the use of devices that work in conjunction with other satellite navigation systems is allowed). But such devices are still rare, because manufacturers are required to install them on their new models only from January 2021.

And further. Even an accident in which a car not registered in Russia was involved can be registered under the European protocol. The main condition is that the driver has a “green card”.

Spelling lessons

There is nothing difficult in filling out the fields; many are simply afraid to make a mistake. According to Svetlana Efremova, a specialist in the loss settlement department, drivers often lose sight of the fact that it is necessary to fill out all the fields. For example, they do not check the required boxes in the “Circumstances of the accident” section or do not put signatures confirming the absence of disagreements. Due to such carelessness, the insurance company may refuse to pay.

Let's look at a specific example of filling out a notification form. Let's assume the situation is as follows. I was reversing out of the yard and hit an Opel that was passing me. Realizing that it is his own fault, and that repairs will require no more than 50 thousand, I suggest that the Opel driver register the accident according to the European protocol.

We indicate where and when the collision occurred (columns 1 and 2)

, we note the number of damaged cars
(column 3)
.
We inform you that there were no victims (column 4)
and that no examination for intoxication was carried out
(column 5)
.

We write “No” in the sections about material damage to other vehicles and property (column 6)

.
We indicate that the accident was registered without a traffic police inspector (column
and report on witnesses, if any
(column 7)
.

Columns 9 to 12

: we write about our car - who drove it, who is the owner, indicate the insurance number and the name of the insurance company.
The left side is filled in by one driver, the right side by another (for clarity, I filled the halves with ink of different colors). If you do not have a comprehensive insurance policy, please refer to paragraph 12
.

In sections 13 to 15

We indicate where the impact occurred (mark with an arrow on the image of the car), describe the visible damage and write comments, if any. For example, the car's bumper was damaged initially and was not damaged in this particular collision.

In section 16

“Circumstances of the accident”, each driver on his side of the form checks the required box corresponding to a particular circumstance of the accident (the most common circumstances are listed).
In our case, I (as the driver of car A) put the following marks: 4
(left the parking lot, parking place, stop, yard, secondary road),
17
(moved in reverse),
21
(collied into a stationary vehicle, obstacle, pedestrian, etc.). In the line “Indicate the number of marked cells” you will need to put the number 3. The second participant will make an o and write: “Waited for the departure of vehicle A”, and in the line “Indicate the number of marked cells” he will put the number 1.

In column 17

draw the scene of the accident. It is enough to depict a street with an exit and a house number, two cars and an arrow to show the direction of movement.

And most importantly: we put signatures. Each driver leaves a couple of autographs in the indicated places.

After this, the self-copying form can be disconnected. Each driver keeps a copy, on the back of which you need to briefly describe the circumstances of the accident (sections 1 and 2)

.
In sections 4, 5, 7
you should put dashes, and
in section 6
you should indicate whether the car can move under its own power.

You also need to sign at the end.

Receiving insurance compensation

To receive money for repairs, submit an accident notification form and an application for payment to your insurance company and show the damaged car.

It is important to know that the culprit is prohibited from repairing his car within 15 days after the accident

. If the car needs to be repaired sooner, I recommend that you first present it to the insurance company for inspection. Or obtain written consent from the insurance company for repairs without inspection. Otherwise, the insurance company will present you with a recourse claim after paying the victim.

Let me explain. Let's say you break another car's headlight. You don’t deny your guilt, everything was formalized according to the European protocol. Your car has minimal damage - there is a chip on the bumper. Without showing the car to your insurance company and without getting their approval for repairs, you repaired the bumper yourself. In this case, your insurance company, having paid the victim, say, 20,000 rubles for a broken headlight, will be able to demand this amount from you. If within two weeks your insurance company does not require you to submit your car for inspection, you can safely proceed with repairs.

Registering an accident yourself is not a difficult task; it will take no more than half an hour. The main thing is not to worry and not to rush.

Filling out the European protocol

When the driver receives an MTPL policy, the insurance company gives him 2 copies of the accident notice. These forms are European protocols. The document consists of three sheets stapled to each other. The papers are filled out in order without separating the parts. On the second copy the information is duplicated.

The data entry process looks like this:

1. The location, as well as the day, month and year when the accident occurred, is indicated.
2. The number of damaged cars is specified - no more than 2 (otherwise you must call the traffic police).
3. A line with the number of affected people is filled in. If there are any, then they call the traffic police officers (that’s why there is already a dash in the protocol).
4. Recording of alcohol intoxication or the exact level of drugs in the blood of drivers is not carried out, since it is necessary to send a physical examination. Only an authorized employee has the right to undergo analysis.

This is interesting! It is worth noting that almost half of all accidents on the road are associated with the illegal consumption of alcoholic drinks by the driver.

1. The amount of damage to other participants in the accident is entered (it is necessary to cancel that no damage was caused to third party property, and the amount of damage should not exceed 25 thousand rubles).
2. Testimony of witnesses is included - this item is not mandatory, but is necessary if you subsequently want to prevent unforeseen circumstances. It is recommended to select several people and write down their full names and contact information.
3. Registration by the traffic police (select “No”, since the “euro” protocol does not require the participation of civil service employees).
4. Data is entered according to the technical passport of the first vehicle.
5. The owner of the car is indicated.
6. The driver of the transport is being specified.
7. An insurance company is included, compensating for damage to a particular car.
8. The location where the initial impact of the vehicle occurred is indicated. It should be shown with an arrow.
9. The type and list of damage to the vehicle is specified (it is necessary to take into account all the details, as well as the amount of damage and the severity of the breakdown).
10. In the “Remarks” section, the driver who caused the accident voluntarily admits his guilt, and the victim – vice versa.
11. The “Circumstances” item is filled in, where drivers each fill out their own side. If in the document the owner of the vehicle selected his car as “A”, then his column is on the left. It is important to carefully read all the points of the document and check the boxes next to the circumstances corresponding to the maneuver performed during the accident.

Important! There should be no discrepancies in the information of the parties. Plus, the circumstances must be obvious and confirm the guilt or innocence of those responsible.

1. A diagram of the accident is drawn to clearly demonstrate what happened.
2. The forms are signed by the drivers, otherwise the papers will not have legal force without them.