List of documents for receiving insurance payment under MTPL

• List of main documents
• Additional documents
• If harm is caused to health
• In case of loss of a breadwinner
• Application Form
• Document submission deadline
• Deadlines for receiving payment
• Let's sum it up

Every driver should know about the procedure for receiving compensation under the “automobile civil law”, since no one is insured against accidents on the road. In this article we will provide a list of documents for payment under compulsory motor insurance and tell you when, how to submit them and how long to wait to receive the money.

List of main documents

One of the grounds for a legal refusal of compensation is an incomplete package of documentation provided by the driver who was involved in an accident. That is why the collection of papers must be taken carefully and seriously.

The list of documents required for insurance payment is as follows:

• application for compensation;
• a copy of the driver’s personal passport, certified by a notary;
• notification of an accident;
• a certificate of an accident (you must first obtain it from the traffic police);
• a copy of the protocol (you will also have to obtain it from the State Traffic Inspectorate);
• a copy of the resolution/refusal to bring to administrative liability;
• details of the account to which the compensation will be transferred.

In addition, you will need to submit payment documents confirming the expenses incurred (for restoration work, other material expenses).

What documents are needed to receive it?

In order to receive compensation from the insurance company for damage received as a result of an accident, the injured party must provide documents included in the following list :

1. Application for compensation. It can be written by hand, but in most cases insurers issue forms.
2. Certificate from the traffic police about the accident. Provided if the accident was not registered according to the European Protocol, but with the participation of traffic police officers.
3. Notification of a traffic accident, filled out by both parties to the accident.
4. A decision on a case, a protocol of an administrative violation, or a ruling refusing to initiate a case. These documents must be provided if the accident was documented with the involvement of traffic police officers, and the preparation of documentation is provided for by law.
5. Vehicle or STS passport.
6. Identity document. If the application is not written by the owner of the car, a power of attorney is required to represent the interests of the latter.
7. When choosing a non-cash form of receiving compensation, enter the recipient's details.
8. Other documents for payments confirming expenses related to the traffic accident, for example, a tow truck payment receipt and so on.

If the injured party wishes to exercise its right to compensation, it must provide the vehicle or its remains to the insurance company for inspection or obtain an independent assessment of the damage. If the car is not provided for inspection, the insurance company may refuse to pay.

Additional documents

In addition to the mandatory ones, depending on the specific circumstances of the case, additional documents may be required. Thus, the insurance company in some cases requests:

• original documents for the car (PTS or STS);
• title documents for cars;
• documentary evidence of the right to receive compensation if property belonging to third parties was damaged in an accident (for example, a car leasing/rental agreement or a loan agreement with a bank);
• receipt for payment for tow truck services;
• receipt for payment for car security services prior to the examination;
• other documents confirming the right to compensation and its amount.

Also, depending on the nature and extent of the damage suffered, an additional package of documents may be required to receive payment.

If harm is caused to health

If, due to injuries received as a result of an accident, the victim has lost his ability to work and his source of income, he must submit to the insurance company:

• a certificate from a medical institution indicating the diagnosis, the nature of the injuries received and the period for which the insured is disabled;
• conclusion on the degree and type of disability (general or professional);
• a certificate of average monthly income indicating the source (salary, pension, etc.);
• other documents confirming loss of ability to work (if available).

Note! In case of harm to health, the maximum amount of payment increases from 400 thousand to 500 thousand rubles.

In case of loss of a breadwinner

If there are deaths as a result of the accident, persons entitled to receive insurance payment must submit:

• a statement which, in addition to the request for payment, contains information about family members of the deceased, as well as persons who were dependent on him;
• birth certificates of young children;
• passports of minors over 14 years of age;
• certificate of disability (if the deceased was supported by persons with disabilities);
• a certificate from an educational institution (if dependent students);
• a certificate of the need for continuous medical care (if such categories of persons were supported).

If the list received does not contain a document required to be submitted, the insurer is obliged to notify the applicant of the need to attach it by mail or by personal visit within 3 days from the date of receipt of the rest of the list.

Required package of documents

The list of documents for payment of compulsory motor liability insurance should be considered as a separate item. This list includes:

• A copy of your passport, certified by a notary.
• The statement itself of intention to receive insurance payments;
• If necessary, a power of attorney is issued to represent the interests of the beneficiary.
• Bank account details, provided that payments will be non-cash.
• If necessary, a consent document received from the guardianship or guardianship authority in a situation where insurance payments are made to a representative of the victim under 18 years of age.
• A certificate from the traffic police confirming the occurrence of an insured event.
• Notification of an accident.
• Copies of all protocols in which an administrative offense is recorded, court decisions in a case of an administrative offense or refusal to initiate one.
• If police officers took part in the preparation of documents recording the accident, which is permitted by the legislation of the Russian Federation, then copies of their protocols are also provided.

Details about the documents

Notification of an accident. The insurance company issues a detailed form to the driver when concluding a contract under compulsory motor liability insurance. The front part of this form is filled out by both owners (both the culprit and the victim) jointly. The reverse sides are filled out individually. This document is filled out in any case, regardless of whether drivers want to file an insurance claim themselves or involve traffic police officers in the process.

Important: in practice, it is permissible for each participant to fill out their entire form. For example, when more than two vehicles were damaged in an accident or one of the owners does not want to provide policy data. But the notice must indicate the reason on the basis of which it was filled out individually.

A notarized copy of the passport is required to be submitted when claiming payments. As well as a statement of intention to obtain insurance. There is no legally established form, so it is written in any form. However, it is better to write and submit using the insurer’s standard form. Account details, like many other documents from the list above, are submitted only when necessary.

Important: if the vehicle is so damaged that it can no longer be a road user, then a corresponding note is made about this in the application.

Additional Documentation

The insurer may request an additional list of documents from the driver, provided that such a possibility is provided for in the contract:

• Original STS and PTS.
• If the damage affected not only the vehicle, then documents confirming ownership may be required.
• Documents certifying the right to insurance compensation for damage to property owned by other persons. For example, if you have a loan, a rented car, or a lease, they provide an agreement.
• If the victim considered it necessary to conduct an independent examination - an examination report.
• Receipts for payment for the services of an independent examination, if it was paid for by the victim themselves.
• Receipts of payment for the tow truck that transported the vehicle from the scene of the accident to the storage location or to the service station.
• Receipts for payment for storage services of the damaged vehicle (from the date of the insured event until the examination or inspection.
• Any documents confirming claims for compensation for damage caused.

Typically, insurers require originals, but the driver has the right to provide copies if they are certified in accordance with the established procedure.

Application Form

The legislation does not establish a special application form. If the insurance company does not have its own approved form, the application for payment is processed in a random manner.

Despite the absence of legislative norms, there are requirements for the content of the document. The application must indicate:

• personal, passport and contact details of the victim;
• date, place and time of the incident;
• circumstances of the accident (the more detailed, the better);
• application for insurance payment;
• personal information of the policyholder, his policy number and car details (make and registration plate);
• PTS details;
• date and signature of the applicant.

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How to fill out documents correctly to receive compensation?

The most important documents for this are an application for compensation for losses resulting from an accident (with mandatory justification of its claims) and a notification of an accident (without this document, the insurance company has the right to refuse payment).

Application for payment of insurance compensation

Each insurance application form may differ visually from each other, but their general content is identical. In order to have as few questions as possible, the application form is made as simple and clear as possible, and when filling it out, the client will be offered a sample.

The best option is to fill out an application form at the insurance company’s office to avoid any mistakes. But, the law allows for filing an application in a voluntary form, so you can write it elsewhere and send it to the insurance company (always with a package of documents).

The application must contain the following:

• personal, passport and contact details of the applicant;
• a statement of the circumstances of the accident, the date of the accident, an indication of all participants in the accident (full name, make and number of the car), damage received, information about the injured and dead persons, if any;
• specific requirements for the insurance company (for example, I ask you to compensate for damage (list all damage);
• current bank details for transferring funds (the account must belong to the applicant, third-party accounts are not allowed);
• an indication of all documents and copies that you attached to the application;
• date of application and your signature.

Document submission deadline

The insurance contract must indicate the deadline for submitting documents to receive compensation. According to clause 42 of the MTPL Rules, the maximum period for filing is 5 days. In remote regions where there are problems with transport accessibility, etc., this period can be extended to 15 days.

If the victim is late with the application for reasons beyond his control (for example, he was staying in a medical institution), he can apply to the Investigative Committee with a request to extend the deadline. If the reason for the violation is not valid, the insurance company receives a legal basis for refusing compensation, which cannot be challenged even in court.

How to get insurance after an injury?

If an insured event occurs - injury, it is necessary to collect documents and submit them to the insurance company, provided that the person has insured himself or his employees by drawing up a personal insurance contract; or if a person works in production under an employment contract, then in this case the employer is obliged to make contributions to the Social Insurance Fund for compulsory social insurance against accidents at work, insurance payments in this case are made by the Social Insurance Fund and the documents are submitted to the specified body.

The legislation establishes certain categories of citizens for whom compulsory accident insurance is provided, such as, for example, military personnel.

Insurance can also be obtained if the civil liability of a person, for example, a carrier, has been insured.

1. If an accident occurs at work, an accident report must be drawn up , an inspection must be carried out, the results of which must be documented.
2. To receive insurance payments, you must first document the fact of injury, and to do this you should seek medical help.
3. Next, an application is prepared to the insurance company so that the insurance payment is made, and documents are attached confirming the occurrence of the insured event, including information about the circumstances of the injury.
4. The insurance company is obliged to consider the application and make an insurance payment or refuse.

ATTENTION : the insurer must be notified of the occurrence of an insured event within the period established by the contract. According to Federal Law No. 125 of July 24, 1998, dedicated to insurance against industrial accidents, the policyholder is obliged to notify the insurer of the occurrence of an insured event within 24 hours from the day such an insured event occurred.

Deadlines for receiving payment

Compensation must be paid within 20 days from the date of submission of documents. The report begins:

• from the date of stamping, if the application is sent by mail;
• from the date of acceptance of the application, if submitted in person.

The payment terms are distributed as follows:

• 5 working days – to inspect the car and assess the damage;
• 5 working days – for additional examination, if required;
• 10 days for paperwork.

If the deadlines are violated, the client can go to court and collect a fine from the company (0.1% for each day of delay). If the policyholder is not satisfied with the amount at which the insurance company assessed the damage he received, then it is also possible to resolve the problem through the court.

What is the function of an insurance policy?

First of all, this is a document confirming the provision of a service. That the client paid for it and can apply for compensation if something happens. To qualify for payment, the client must provide this paper; it is like a service passport.

But it happens that the policy is lost; anyone can face this situation. This is a fixable issue. To restore it, you need to contact the insurance company, where, at the client’s request, they will issue a duplicate that will have identical validity. The procedure is simple, usually the action is performed immediately upon the client’s request.

Let's sum it up

The correct list of documents is one of the prerequisites for receiving insurance payment. The sequence of actions should be as follows:

• the driver needs to write an application demanding compensation, attaching personal documents and documents for the car;
• depending on the specific case, other documents may be needed, the final list of which is provided by the insurer;
• in case of harm to health, documents confirming this fact are required;
• if the breadwinner died in an accident, members of his family and/or persons who were in his support can receive compensation for him by writing an application and attaching documents confirming the right to payment;
• the application is written in free form, indicating personal, contact and passport details, the circumstances of the accident, and the requirement for payment;
• the maximum period established for sending a list of documents is 5 days, in some regions it can be extended to 15 days (if specified in the insurance contract);
• after receiving all documents, the insurer is obliged to pay compensation within 20 days from the date of stamping the letter (if the application is sent by mail) or the day of receipt (if the application is submitted in person);
• if the policyholder fails to comply with the deadlines, compensation may be refused (unless the reason is considered valid);
• If the insurer does not comply with the deadlines, the driver can go to court and collect a fine in the amount of 0.1% of the payment amount for each day of delay.

Thus, the driver who is counting on compensation from the insurance company must take care of collecting documents at the time of the incident in order to avoid problems and delays in payment.

List of papers for obtaining insurance under compulsory motor liability insurance if there are victims in an accident

If, as a result of an accident, the owner of the car received physical damage of varying severity, then in order to include compensation for treatment in the general insurance compensation, the victim will need to provide the following package of documents:

1. A certificate from the hospital or clinic where the victim underwent a medical examination (must indicate: diagnosis, description of injuries and the period during which the victim will not be able to work).
2. If a victim as a result of an accident has lost the opportunity to work in his specialty, then a document confirming this is needed.
3. Salary certificate for the last 12 months.
4. Any certificates proving that due to an accident you cannot receive income for a certain period of time.

If the accident results in the death of a person who is the only source of income in the family, then family members or relatives who can receive insurance must collect the following papers:

1. An application for compensation indicating the composition of the family of the deceased and the persons in his support.
2. Copies of birth certificates of the deceased’s minor children.
3. If the deceased supported a disabled person, then documents confirming the disability are needed.
4. If the deceased paid for the studies of an unemployed person, then documents are needed confirming the person’s studies there and the fact that the deceased paid for the studies.
5. If the deceased constantly cared for a person or persons who needed it for medical reasons, then documents from the medical institution confirming this are needed.

If, after submitting the application and documents, employees find out that some certificate is missing or that something is compiled or written incorrectly, they are obliged to notify the document submitter about this within 3 days (by letter or by telephone) and explain what exactly is missing. so and how to fix it.