What should a driver do during an accident? Procedure for compulsory motor insurance in case of an accident

We recommend that you always have this leaflet in your glove compartment, because in case of an accident a person is usually in a state of shock and cannot always act adequately. Meanwhile, incorrect testimony of participants in road accidents, failure to fill out necessary documents and so on. nuances can greatly influence consequences of an accident. New rules registration of road accidents came into force in 2015.

So, according to clause 2.5 Traffic rules driver in the event of an accident, he must stop, provide assistance to the victims, then report the accident to the traffic police, write down the names of eyewitnesses, indicate the position of the vehicle on the road and wait for the arrival of the traffic police vehicle.

2.5. In the event of a traffic accident, the driver involved in it is obliged to stop immediately (do not move) vehicle, turn on the hazard warning lights and put up a sign emergency stop in accordance with the requirements of paragraph 7.2 of the Rules, do not move objects related to the incident.

Further actions of drivers involved in an accident are prescribed in paragraphs 2.6.1 and 2.6 of the traffic rules. In order not to be unfounded, we will quote the points of the law, and below we will analyze them in more detail.

2.6.1 If, as a result of a traffic accident, damage is caused only to property, the driver involved in it is obliged to release roadway if an obstacle is created to the movement of other vehicles, having previously recorded, including by means of photography or video recording, the position of the vehicles in relation to each other and road infrastructure, traces and objects related to the incident, damage to the vehicles.

If the circumstances of harm in connection with damage to property as a result of a road traffic accident or the nature and list of visible damage to vehicles cause disagreements among the participants in the road traffic accident, the driver involved in it is obliged to write down the names and addresses of eyewitnesses and report the incident to the police for receiving instructions from a police officer about the location of the registration of a traffic accident. If they receive instructions from a police officer to fill out documents regarding a road traffic accident with the participation of authorized police officers at the nearest road patrol post or police department, drivers leave the scene of the road traffic accident, having previously recorded it, including by means of photography or video recording. , the position of vehicles in relation to each other and road infrastructure, traces and objects related to the incident, damage to vehicles.

If the circumstances of harm in connection with damage to property as a result of a traffic accident, the nature and list of visible damage to vehicles do not cause disagreement between the participants in the traffic accident, the drivers involved in it are not required to report the incident to the police. In this case, they can leave the scene of the traffic accident and:

• draw up documents about a road traffic accident with the participation of authorized police officers at the nearest road patrol post or police unit, having previously recorded, including by means of photography or video recording, the position of the vehicles in relation to each other and road infrastructure objects, traces and objects related to the incident, damage to vehicles;
• draw up documents about a traffic accident without the participation of authorized police officers by filling out a notification form about a traffic accident in accordance with the rules of compulsory insurance - if 2 vehicles (including vehicles with trailers) are involved in the traffic accident , the civil liability of whose owners is insured in accordance with the legislation on compulsory insurance civil liability of vehicle owners, damage was caused only to these vehicles and the circumstances of harm in connection with damage to these vehicles as a result of a traffic accident do not cause disagreement between the participants in the traffic accident;
• not to draw up documents about a road traffic accident - if in a road traffic accident only the vehicles or other property of the participants in the road traffic accident are damaged and each of these participants does not need to complete the specified documents.

So, paragraph 2.6.1 prescribes actions to register an accident if there are no injured persons. If any person is physically harmed, such an accident should be registered in accordance with clause 2.6 of the Rules traffic(below).

Registration of accidents without injuries according to the new rules of 2017.

Unlike the previous rules, now the first thing you should do is capture it with a camera or camera mobile phone position of the vehicles and objects involved in the incident from all possible angles, and clear the roadway. Thus, now there should be no situations where two slightly touching cars create a multi-kilometer traffic jam because they block the passage. You can keep cars off the road only if they do not create any interference with the movement of other vehicles. Otherwise, the arriving traffic police squad will fine both drivers for failure to comply with traffic rules.

Next, drivers should find out whether their views agree on the circumstances of the accident and the damage to their vehicles. If they agree with each other, they record eyewitnesses of the incident and either go to the traffic police to register the accident, or issue notices for the insurance company (if the requirements for the accident are met, for which it is allowed to register the so-called without a certificate from the traffic police), or agree on compensation for damage " on the spot”, without the traffic police. As you can see, there is now no obligation to report an accident to the traffic police. Previously, drivers were afraid to leave the scene of even a minor accident without calling the traffic police, because for leaving accident scene deprivation of rights was expected. Now it is possible to reach an agreement in accordance with clause 2.6.1. Traffic rules and leave, everything will be legal. If the culprit transfers money to the victim for repairs, this must be recorded with a receipt.

If drivers do not agree on the circumstances of the accident or the damage to their vehicles, they should contact the nearest police station, where they will receive instructions on where they should go to report the accident. The group will determine the culprit and the damage accident analysis Traffic police

Registration of road accidents with victims according to the new rules of 2017

Registration of road accidents with victims is carried out in accordance with clause 2.6 of the Traffic Regulations of the Russian Federation.

2.6. If people are killed or injured as a result of a traffic accident, the driver involved in it is obliged to:

• take measures to provide first aid to victims, call emergency medical services and the police;
• in emergency cases, send the victims along the way, and if this is not possible, deliver them in your vehicle to the nearest medical facility, provide your last name, registration plate of the vehicle (with presentation of an identification document or driver's license and registration document for the vehicle) and return to the scene of the incident;
• clear the roadway if the movement of other vehicles is impossible, having previously recorded, including by means of photography or video recording, the position of the vehicles in relation to each other and road infrastructure, traces and objects related to the incident, and take all possible measures to eliminate them preservation and organization of a detour to the scene of the incident;
• write down the names and addresses of eyewitnesses and wait for the police to arrive.

As you can see, the procedure for registering an accident with injured people is different: first of all, we provide assistance to the victims, or even hitch a ride with them to the hospital, or even take them in our own car. Further: vehicles can be removed from the roadway only if the detour of those participating in Car accidents impossible without forgetting to record the position of the car and all related objects in photos and videos. If there is a free lane or shoulder for traffic, we leave the cars motionless until the traffic police arrive.

Sometimes it is not possible to call and wait for employees at the scene of an accident (remoteness of the accident site, lack of available traffic police crews). Let's consider the option of independently filing an accident without injuries.

If you decide to draw up an accident report without the participation of the traffic police

Record details of witnesses to the incident

Discuss the circumstances of the accident with other participants. All opinions must be the same.

Draw up and sign an accident report

How to draw up an accident diagram yourself

There's probably no need to explain. that the traffic police’s decision on the guilt of a particular participant will depend on the correctness and clarity of the road accident diagram. That's why:

• We draw a diagram that is understandable and clear.
• It is mandatory to link the position of the vehicle to objects on the ground (intersections, kilometer posts, etc.)
• Indicate the braking distance length
• It is mandatory to indicate the date and time of the accident
• If there is only one participant in the accident (type of accident - hitting an obstacle, etc.), it is necessary to indicate two witnesses to the accident, they must sign the diagram.

The following must be noted on the diagram:

• width of the roadway, number of lanes for each direction, availability road markings and road signs, the effect of which extends to the section of the road where the accident occurred, as well as technical means of traffic control; barriers, traffic islands, stops public transport, sidewalks, lawns, green spaces, buildings (if any);
• positions of vehicles after an accident, traces of braking and dragging, location of damaged parts and fragments of vehicles, cargo, debris from cars and other objects related to the accident, with their connection to stationary road objects, sidewalks, roadsides, ditches and other road elements ;
• direction of movement of the participants in the accident before its occurrence

If an accident is registered by traffic police officers, they record the following information:

The traffic police officer must prepare:

• Information about the drivers and vehicles involved in the accident;
• explanations of participants and witnesses of the accident;
• list of damage to vehicles during road accidents;
• a report indicating additional information that may be important for clarifying the circumstances of the accident and making a decision on the case;
• all participants in an accident must be issued a certificate of participation in an accident, regardless of guilt;
• if an administrative offense has taken place, proceedings are initiated in the case of administrative offense(a determination is made or a protocol is drawn up);
• in some cases, a decision on an administrative violation may be immediately issued.

The case materials must be accompanied by waybill and/or a car rental agreement, a power of attorney - if the car was not driven by the owner.

Let us add that usually the crew comes to the scene of an accident and draws up a diagram of the accident, then the participants go to the departmental department of the traffic police, where their explanations are recorded in a calm atmosphere, a little later (sometimes the next day) a certificate of the accident is issued.

It would be a good idea to independently record the data of witnesses to the incident, even if the second participant in the accident admits his guilt. Also write down all possible data about the participants in the accident: full names, addresses and telephone numbers, OSAGO numbers and names of insurance companies.

In order not to miss compensation for damages under OSAGO

Drawing up an accident notification form

According to the OSAGO Rules, in order to receive compensation under the OSAGO, an accident notification form must be filled out. Such forms are issued when concluding MTPL agreements. The form is filled out either alone if there are two participants in the accident, or each participant fills out their own copy of the form.

These forms must be sent by registered mail to the insurer within five business days. The victim simultaneously submits an application for insurance payment along with this form. The application must be accompanied by a certificate of an accident issued by the police, a copy of the protocol and a resolution on an administrative offense, if any, in the actions of the person responsible for the accident.

Many of us have witnessed (and perhaps even been full participants in) a road accident at least once in our lives.

As a rule, in this situation, people are divided into three camps (of course, there are many more, but we will describe the main ones):

Some, with rounded eyes and in a daze, nervously smoke next to their “Swallow”.

Others, with no less rounded eyes, clutching their heads, swearing (to put it mildly) with obscene language, run first around their car, then around the culprit’s car.

Still others begin frantically calling friends, who, in turn, cannot help in any way.

Do you recognize? Of course, this will not solve the problem. In order to quickly and without unnecessary problems To understand such a situation, you need to perform a number of simple steps.

So, your actions in case of an accident (MTPL):

1. Stop your car and turn off the engine, turn on the emergency lights. If there are signs of fire on your or someone else’s car, try to put them out immediately; if that doesn’t work, move away from the vehicle to a safe distance.
2. Install an emergency stop sign (at least 30 meters from the accident - outside the city, at least 15 meters from the accident - in the city).
3. Make sure that only cars are damaged in the accident. If drivers or passengers are injured, they must immediately call an ambulance and provide first aid: stop the bleeding, pull them out of the crumpled body. If the accident occurred far from the city, then the victims must be taken to the hospital by their own or passing transport.
4. Call the traffic police (number 112) and report the accident, using the addresses of buildings located nearby as a guide.
5. Record the situation before the traffic police arrive. Under no circumstances should you move the car or remove parts, fragments, or other objects from the road.
6. Identify witnesses to the incident - write down their contact information, first and last names.
7. Take photographs of the scene from different angles with a camera or mobile phone.
8. Do not conduct any negotiations with the driver, do not give him your documents, and do not drink alcohol. Move off the roadway to a safe place.
9. If no people were injured in the accident, and the participants do not have disagreements about the guilt of the drivers and the damage (it should not exceed 50 thousand rubles), then you can issue a “Euro Protocol” - a notification of an accident (this option is allowed by law).
10. After the traffic police inspectors draw up a protocol for examining the scene of the incident, the cars can be removed.

This procedure after an accident will help you minimize the damage caused by the accident, save lives, and also avoid a number of mistakes.

Attention! Important addition! If you are a victim of an accident, make sure that the culprit’s compulsory motor liability insurance policy is authentic.

How to make sure that the culprit’s MTPL policy is real?

Due to the fact that now every 10th policy is fake, there is every chance of being denied insurance payment. The most effective way to call insurance company the culprit and make sure it is legal of this agreement. The main thing you need to hear is not that the policy is registered with them, but that this car is actually insured under this policy. If they tell you that the policy is actually listed with them, this does not mean that it is valid, it may just be a duplicate, and according to the real policy, a completely different person and car are listed in the database.

Another option is to go to the RSA website (), in the “Check the MTPL policy” section, then select the tab “Information for policyholders about insured vehicles” or “Information for victims and other participants in an accident about the existence of a valid MTPL agreement in relation to a certain person or vehicle". Depending on the selected tab, you will need to enter the series and policy number or VIN, state number. license plate number of the person responsible for the accident. As a result of these actions, you will find out whether the car is insured or not.

What to do if the culprit’s policy is fake? Remember 2 rules!

1. If you (the victim) have a real MTPL policy, and the culprit has a left one, this does not mean that your insurance company will compensate you for the damage, since by taking out a policy, you are insuring your liability, and not the liability of the culprit.
2. If you are faced with the fact that the culprit’s policy is incorrect, get ready to either settle everything with the culprit on the spot, or sue him for compensation material loss. Since having a fake policy, the liability of the culprit is not insured in any way.

What to do after an accident? Procedure

To obtain insurance payment, it is necessary, no later than 15 days from the date of the accident, to provide the company responsible for the accident with a number of data:

• Notification of an accident;
• Application for payment insurance compensation;
• Vehicle registration certificate or other documents confirming the ownership of the vehicle;
• OSAGO policy;
• If necessary, a power of attorney to represent interests (if the cash payment will be received by a third party).

You must have a passport or identification document with you.

• Accident certificate No. 154 (contains information about the time and place of the accident, participants in the collision, damage to the vehicle) (original);
• Protocol on bringing to administrative responsibility drawn up in relation to the culprit of the accident (copy);
• Resolution made based on the results of consideration of a case of an administrative offense (copy).

A criminal case may be initiated following a traffic accident. This happens if people were injured in an accident. In this case, it is necessary to provide the insurance company with a resolution to initiate a legal claim. To receive payment, the amount of damage is assessed independent expert according to the direction issued by the insurer.

Upon receipt of all the specified documents, no later than 30 days, an act is drawn up, on the basis of which a decision is made on compensation for damage caused or on refusal of insurance compensation.

What to do after an accident occurs? This is precisely the first question that arises in the mind of a participant in an incident. Many people who are involved in a traffic accident are confused and unaware of the sequence of actions that apply to the situation. This is especially true when it comes to filling out documents. The material below will be a guide that will allow you to gain the necessary knowledge and information on how to behave in the event of an accident.

First actions in case of an accident with victims

1. Turn on the hazard warning lights.
2. . If the accident occurred in a populated area, the distance from the sign to the car must be at least 15 meters. In case of an incident outside a populated area, the distance is 30 meters.
3. Next, make sure that the passengers in both vehicles are okay. If you suspect a threat to the life and health of people, immediately call an ambulance. If necessary, you should provide medical assistance yourself.

It is prohibited to move vehicles from the scene of an accident if there are victims.

If there are no casualties

The first two points above remain unchanged.

After marking the scene of the accident with an emergency stop sign, you must report the accident to the police. From your mobile phone you can call the general number 112. Report the incident to the insurance company. The insurer's telephone number is indicated on the policy. If there are no victims in the accident, then the call to the insurance company should be made even before the call to the traffic police.

Then it is worth assessing the extent of damage to the vehicle. If the damage is minor and all participants in the accident agree with its circumstances, you need to make sure that there are no obstacles to the movement of other road users. If cars involved in an accident create a nuisance on the road, then the location of the vehicles must be recorded using photographs and removed.

This summer, changes were made to the traffic rules, according to which in the event of an accident with minor material damage not exceeding one hundred thousand rubles, the participants in the incident must take all measures to clear the roadway. Otherwise, an administrative protocol will be drawn up for each of them and a fine of 1,000 rubles will be issued.

Before clearing the roadway of cars, it is imperative to record all the details of the accident using video or photo shooting. In addition, it is worth finding witnesses and recording their contact information.

Requirements for photographs from the scene of an accident

1. General shot. In this photo you can see the damage received, as well as the roadway. This will help determine the location of the incident.
2. Photo of the condition of the road surface. The braking distance trace should also be captured here, as well as glass shards and fragments of parts, if any.
3. The condition of the car after the accident. Photos must be taken from all angles, and the license plates must be clearly readable.
4. Close-up of all the damage received.

It is worth remembering that insurers may question the very fact of an accident. By the same principle, the insurance company can express doubt that those indicated in the certificate were involved in an accident. Car accidents. So you need a lot of photos and from different angles.

Then you can begin to register the incident using the European protocol, that is, without calling the traffic police.

It is not necessary to draw up a European protocol. If all participants traffic accident agree with its circumstances, after photographing the scene of the incident and reporting it to the traffic police, you can go to the nearest traffic police department to draw up subsequent documentation. The location of the unit can be clarified by calling 112. But first, drivers are required to draw up a diagram at the scene of the incident, conduct a video or photograph of the location of the vehicles and the damage they received, and record the circumstances of the accident. All completed papers must be taken with you and presented to the traffic police department.

Conditions for registering an accident under the European Protocol

To register an accident under the European protocol, the following conditions must be met:

• Two vehicles were involved in the accident;
• There were no casualties, only cars were damaged;
• Each driver has a compulsory motor liability insurance policy;
• Car owners have no disagreements regarding the culprit of the accident, as well as the circumstances of the accident;
• The maximum payment amount for self-registration is 100 thousand rubles. For Moscow, St. Petersburg and their regions, the amount of payments is 400,000 rubles, but to receive such an amount it is necessary to confirm the coordinates of the accident and provide the insurer with GLONASS system data.

If these conditions are met, you can not call the traffic police, but fill out an accident notification form and draw up a European protocol.

If there is disagreement about the accident, then to register an accident without the traffic police it is necessary that the damage does not exceed 100 thousand rubles and at least one of the injured cars is equipped with the GLONNAS system, or a special program of the union of auto insurers is used for photography (Appendix “Euro Accident Protocol”), installed on a smartphone.

If the amount of damage exceeds the established limits for compulsory motor liability insurance, the affected cars do not have a GLONASS system, or the insurers’ application is not installed on the phone, then you must call the traffic police and wait for traffic inspectors to arrive at the scene of the incident.

In the process of registering an incident, special attention is paid to correctly filling out the notification form.

From June 1 of this year, the sequence of filling out the European protocol is as follows:

1. Installation of a warning triangle;
2. Recording data from eyewitnesses of a road accident;
3. Video or photography of the incident scene, including recording traces of the braking distance, as well as the location of vehicles from several angles;
4. Drawing up an accident diagram;
5. Preparation of a notification form for participants;
6. Taking measures to clear the roadway if obstacles are created for other cars;
7. Drawing up an application and submitting it to the insurer within a period not exceeding 5 working days.

After the European protocol has been drawn up, you can leave the scene of the incident. However, remember that you can leave the scene of an accident only if there are no victims there, and also after reporting to the traffic police. If you leave the scene of an accident without permission, you can face very strict administrative sanctions. According to the article in the Code of Administrative Offences, for unauthorized participation in an accident you can lose your driver’s license for up to one and a half years. In addition, this article provides for administrative arrest for a period of 15 days.

What certificates does a traffic inspector issue?

When the circumstances of the accident do not cause disagreement among drivers, then the traffic police officer provides them with required kit documentation immediately after contacting.

The list of documents issued is as follows:

• certificate of incident in form number 154;
• a determination that will contain a refusal to initiate an administrative case based on the fact of an offense. This paper is issued when car owners have not violated the rules. If the rules were violated by at least one of the participants in the incident, then the traffic inspector issues a resolution to initiate an administrative case.

If the circumstances of the incident cause disagreement, motorists will be called to. The traffic inspector will decide whether to issue a resolution or a determination. In this case, a certificate in Form 154 must be issued to traffic inspectors during the registration of an accident.

Actions in the process of drawing up a protocol at the scene of an accident

There is no need to behave passively. The information that the traffic police officer provides in the documents will determine who will be found to be the culprit during the analysis of the situation. Accordingly, this person will also be assigned financial responsibility. You should try to convince the traffic police officer of your point of view on the circumstances of the incident. In this case, you need to provide evidence (a video recorder will help), or testimony of eyewitnesses. If the driver does not agree with the opinion of the traffic inspector, then this must be indicated in writing in the drawn up protocol. When there is no free space in the specified document, then it is worth making a note that the comments to the protocol are set out in the appendix.

The documents drawn up by the traffic police officer at the scene of an accident must contain the following circumstances:

• What is the condition of the road surface? If there are large holes or potholes in the asphalt, then it is necessary to measure their parameters and record the obtained data in a protocol. When measurements do not comply with the current GOST, responsibility for the incident can be fully shifted to road services;
• The presence of traffic lights and other traffic control equipment on this section of the road. The functionality of these devices must also be recorded. The protocol drawn up by the traffic police officer must indicate the presence of road signs, as well as the readability of road markings;
• Weather conditions at the scene of the incident;
• Features of the terrain;
• The presence, as well as the length of the braking distance (you should measure this parameter yourself), the location of objects that ended up on the road after the incident.

All information indicated in the protocol must be confirmed by video or photographic materials. And this circumstance is recorded in the protocol.

• in pdf format “How to act in case of an accident” from the official website of the traffic police

What to do after?

As soon as the process of drawing up protocols and recording the accident is completed, and the traffic police will provide required package documents, the car owner must contact his insurance company. Naturally, only if he is not the culprit of the accident and he does not have a CASCO policy. In such a situation, the insurance company will not help and you will have to repair the damaged car yourself.

If another person is found to be at fault for the accident, then 15 working days from the date of the accident are given to contact the insurer. If you have a CASCO policy, the terms of application may be different. To consider the car owner’s appeal, conduct the necessary examinations, and also list cash The insurer is given a month to provide the specified bank details.

• Turn on the hazard lights
• Put up a warning triangle
• Do not move objects related to the incident

Caused harm to health?

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Need emergency transport to hospital?

accident scene" data-actions="

• Deliver the victim in your vehicle to the nearest medical facility
• Report the incident to the emergency department of the medical organization.
• Provide your name and vehicle registration number
• Present an identification document, or driver's license and vehicle registration document
• Return in your vehicle to the scene of the incident
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Deliver the victim to the hospital, return to the scene of the accident
• Determine if your vehicle is an obstacle
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Is there an obstacle to the movement of other vehicles?

to road accidents (including with the help of photo and video recording).


• Record, including by means of photography or video recording: state registration plates of vehicles, and in their absence, identification numbers (VIN); places of damage to vehicles; relative location of vehicles involved in road accidents with reference to transport infrastructure objects or other non-movable objects; state registration plates of road accident witnesses (if available)
• Clear the roadway
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Record the vehicle and objects related to the accident (including using photos and videos). Clear the roadway
• Determine whether movement of other vehicles is possible

Completely blocked the movement of other vehicles?

to road accidents (including through photo and video shooting).
Clear the roadway" data-actions="

• Take all possible measures to preserve traces and objects related to the accident
• Record information from eyewitnesses to the incident, if available.
"data-comment="">
Record the vehicle and objects related to the accident (including using photos and videos). Clear the roadway
• Inspect your vehicle (cargo) for damage
• Inspect the vehicles (cargo) of other participants in the accident for damage
• Determine damage resulting from an accident
• Discuss the circumstances of the accident and the damage caused with other participants in the incident

Disagreements in the assessment of damage or the circumstances of the accident?

Record eyewitness information and report to the police. Receiving instructions from the police

Are you told to wait for the police to arrive?

wait for the police at the scene of the accident

After calling the police, is the disagreement over?

Record the position of the vehicle and objects related to the accident, incl. using photography and video.

claims?" data-actions="

• Check whether damage was caused to third parties by participants in the accident (destruction of road infrastructure, etc.)
• Make sure that material damage is compensated on the spot or does not cause mutual claims

Was the damage compensated or did it not give rise to mutual claims?

Do not draw up documents about an accident if both participants do not wish to do so. Receipt recommendation

Only 2 vehicles were damaged and are they insured under MTPL?

Independently prepare documents regarding an accident in accordance with the requirements of compulsory motor liability insurance. Fill out an accident report

leave the scene of an accident

immediately arrive at the traffic police station

• Stop (do not move) the vehicle
• Turn on the hazard lights
• Put up a warning triangle
• Do not move objects related to the incident

Caused harm to health?

Unfortunately, no driver is insured against an accident. It is not possible to predict an accident on the road, so every driver must be attentive to the behavior of other road users and to their maneuvers. How should a driver behave if an accident does occur?

What should a driver do in the first minutes after an accident?

An accident is extremely stressful for anyone. What can we say about the driver, who is also responsible for the lives of his passengers. Everyone has their own reaction to an accident - from aggression to lethargy, but the most important thing in such a situation is to control yourself, not to succumb to any possible provocations and not to admit your guilt even if it is obvious (only a court can establish guilt). Therefore, breathe evenly and deeply and remember, what to do in case of an accident:

Stop immediately.

Turn on the hazard warning lights and immediately put up a warning triangle.

Do not touch or under any circumstances move any objects that are in one way or another related to the accident.

Provide all possible assistance to the victims and call an ambulance.

Call the insurance company, report the accident and act according to detailed recommendations insurer. The insurance company representative must be called to the scene of the accident, if this is provided for in the contract. The traffic police usually reports the accident to the dispatcher of your insurance company.

Write down the coordinates (addresses, telephone numbers, full names) of eyewitnesses and participants in the accident.

Exchange with those involved in the accident all necessary information about insurance companies and policies.

Do not admit your guilt and do not blame others - remain calm and neutral.

Fill out and sign (for each participant) the accident notification form, which is issued by the insurance company.

If it is necessary to clear the roadway, mandatory record everything related to the accident - the position of the car, all traces, braking distances, objects, etc. this must be done in the presence of witnesses.

Recording the circumstances of an accident is the first step to identifying the culprit.

Organize a detour to the accident site and try to take all measures to preserve the details of the accident. It is important to keep the location of the car, as well as all objects/parts that are directly or indirectly related to the accident, in their original position until the traffic police inspectors arrive. Things to remember:

Take photographs of everything in detail: the location of all the cars involved in the accident, tire brake marks, license plates and faces of drivers, fragments, any mechanical damage, etc.

When discussing with traffic police officers, describe the circumstances of the accident in as much detail as possible: time of day, road condition, weather conditions, direction of movement of the car, events preceding the accident, approximate speed of all participants in the accident, maneuvers they performed, lighting on the road section, etc. From these details the fairness of the resolution of the further disputable situation will depend.

Do not forget to indicate in the road accident diagram the collision with any other obstacle, if any. And also if the car overturned.

Remember that without recording all the data, causes and circumstances in the documents about the accident, you will receive an insurance payment only for those damages that are recorded in certificate No. 748.

Closely monitor the actions of the traffic police officer

What you need to get from the inspector:

A certificate from the participant in the accident, which must indicate all damage to the car.

If your license is revoked, you will receive a temporary permit to drive the car.

A copy of the violation report.

Note:

Every column and every section in the documents must be completed.

Paperwork takes place only with the participation and presence of the driver.

Be sure to make sure that absolutely all damage to the car is recorded by the inspector in documents down to the smallest detail. In addition to visible damage, the documents must also indicate the possibility of hidden damage. This point is bureaucratic, but it is very important for your insurance organization.

Do not admit that you are at fault for an accident if you are not sure

Not sure about guilt? Are you sure you're innocent? Scared, confused, in shock? In the protocol, indicate “I plead not guilty” and leave a signature. Then the accident will be considered with the participation of witnesses of the accident and all interested parties, based on the true picture of the accident.

Do not forget to clearly and scrupulously record all the circumstances and details of the accident - this will play a very important role in the investigation and further identification of the culprit of the accident.

Contacting an insurance company - documents to receive compensation

When contacting the insurer after an accident, do not forget to take with you a notification and certificate of the accident, and a copy of the offense report.

Have you been insured under CASCO? Contact the insurer with whom the contract was concluded.

According to OSAGO? First, contact your insurer, and then (in a complex accident case) contact the insurer of the person responsible for the accident.