Registration of the Europrotocol in case of an accident. Registration of an accident according to the European protocol

Europrotocol is a simplified paperwork about an accident, which is carried out without the participation of police officers. The Europrotocol is drawn up by filling out the form of notification of a traffic accident by the participants in the accident (drivers) on their own, without the involvement of police officers. This allows not only to significantly reduce the time spent on registration of an accident, but also to quickly remove cars from the roadway, thereby facilitating the passage of other participants. traffic and minimizing the risk of new collisions.

If you are the owner of an OSAGO or CASCO policy at the AlfaStrakhovanie insurance company, you can be sure that self-registration of an accident using the European protocol will not become an obstacle to organizing and paying for the restoration of a damaged vehicle of an injured person at a service station or paying monetary compensation, which allows cover damage to the vehicle.

IN WHAT CASES SHOULD THE EUROPROTOCOL BE USED AND IN WHAT SHOULD THE POLICE STAFF BE CALLED?

In accordance with the current legislation, you can independently fix the accident that has occurred using the Euro protocol, subject to the following conditions.

• The traffic accident occurred as a result of the interaction (collision) of two vehicles (including vehicles with trailers to them), the civil liability of the owners of which is insured under OSAGO.
• As a result of a traffic accident, only two vehicles (including vehicles with trailers to them) were damaged, i.e., as a result of the collision, there were no injuries, deaths, and no damage was caused to other property.
• The circumstances of causing harm in connection with damage to vehicles 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 and are recorded in the notice of the traffic accident, the form of which is filled out by the drivers involved in the traffic accident. vehicle accident in accordance with the rules of compulsory insurance. If neither side believes that it was their actions that became cause of the accident, to resolve the dispute, the help of police officers will be required.
• The amount of insurance compensation due to the victim in compensation for damage caused to his vehicle may not exceed 100 thousand rubles. In the event that the owner of the car that suffered damage believes that such compensation will not allow him to complete the necessary restoration work in full, police officers will have to be involved in registering the accident.

When answering the question about the cases in which the Europrotocol is not issued, be guided by the above information. If the circumstances of the accident do not satisfy at least one of the listed conditions, the accident will have to be recorded in the general manner.

If one of the vehicles involved in the accident is registered in the territory foreign state, and its owner does not have an OSAGO or CASCO policy, but at the same time is the owner of the Green Card international insurance policy, you can also issue an accident yourself, using a simplified scheme. You can get detailed information about the procedure for assigning compensation under the Green Card by contacting a representative of the Russian Union of Motor Insurers (RSA).

What should you do after getting into an accident?

Immediately after the accident, many drivers, being in a state of stress, simply forget about what they need to do in order not to violate the requirements of the law. Nevertheless, the procedure that the parties to an accident must perform is extremely simple and looks like this:

1. Stop moving. Regardless of where the accident occurred and what consequences it entailed, stop, leave the vehicle and personally assess the scale of the accident.


2. Install warning triangle. In accordance with paragraphs. 7.2, clause 7 of the SDA of the Russian Federation, it must be set at a distance:
   • at least 15 m from the vehicle - when stopping on the territory of the settlement;
   • at least 30 m from the vehicle - when stopping outside the territory of the settlement.
3. Record traces of the accident. To do this, use the means of photo and video recording, which can be a mobile phone camera or a specialized device (for example, a camera or video camera, if available). Take a picture (or take a video) of the general panorama of the accident scene, the damage caused to both cars, the existing brake marks, vehicle license plates, as well as fragments of parts.

   You can also fix damage using the AlfaStrakhovanie Mobile application. This method is a significant advantage for you, as you will be able to issue an insurance event in the AlfaStrakhovanie Mobile application, and in the future you will not need to contact the company's office in person.



4. Get contacts of witnesses to the accident (full name, home address, phone number). If possible, get their affidavits. In case of disputes at the stage of paperwork after both parties to the accident have left the scene, the testimony of witnesses can significantly simplify the investigation procedure and help the injured party receive all payments due to it.


5. Fill out an accident report form


6. After you have vacated the scene of the accident, completed the registration of an accident according to the Europrotocol, the participants in the accident can disperse, and you can complete the registration of an insurance event for direct compensation for losses already through the AlfaStrakhovanie Mobile application.

Where can I get the Europrotocol form?

The Europrotocol in case of an accident is drawn up using a special form, which the insurance agent is obliged to issue free of charge to the owner of the vehicle when issuing an OSAGO or CASCO policy. If you have already used the existing form or for some reason it is not at hand, you must contact the nearest office of the insurance company. In addition, you can download the form for free on the Internet and print it on any printer (it is recommended to download the document form only from official authoritative sources, for example, from the websites of the Garant or Consultant legal reference systems). A sample of filling out the Europrotocol can also be found on various resources.

What does the Europrotocol form look like?

The Europrotocol in case of an accident is drawn up on a special form of the established form, called “Notice of a traffic accident”. It consists of two sheets: main and additional (insert, on which all the information entered on the first sheet is copied). On the front side of the first sheet there are two columns, each of which is filled in by car drivers independently. After filling in the front side, the main form is separated from the additional one - each of them has the same legal force, so it does not matter which driver gets the original and which one gets the copy.

How to fill out the Europrotocol form?

The rules for issuing a European protocol in case of an accident include the following requirements, compliance with which minimizes the risk of problems when considering documents in an insurance company:

• when filling out the form, use a simple ballpoint pen - inscriptions with a pencil or gel pen can be smeared or erased, which will make them unreadable in the future;
• fill out the form in legible handwriting or block letters;
• try to avoid the appearance of blots and corrections in the document - later they may lead to additional questions and, as a result, require additional time spent on clarifying the circumstances of the accident;
• You must fill in all the columns and fields provided by the form.

To learn how to fill out the European protocol in case of an accident, read the instructions below.

1. The front side is filled. At this stage it is necessary:
   • provide information about the place and date of the incident. Here it is necessary to indicate the exact address of the place of the accident, and in the event that the accident happened on the highway, fix its name and the number of the kilometer at which the collision occurred. When fixing the date and time of an accident, you should also be extremely careful and record its time to the nearest minute;
   • record information on the number of damaged cars (2) and the absence of injured people (0). Obviously, when registering an accident using the European protocol, there cannot be more than two vehicles that suffered damage, and there should not be any people who were injured at all. Otherwise, the parties to the accident will have to wait for the police;
   • enter the details of witnesses to the incident (if any);
   • indicate the exact data of the damaged vehicles, their owners, as well as the persons who were driving at the time of the collision;
   • enter information about the insurance company that insured the liability of the owner of the vehicle on the date of the accident, as well as indicate the number of the insurance policy and its validity;
   • describe the list of damaged parts and components of the car. At this stage, you should be extremely careful, because any scratch, even insignificant at first glance, may indicate the presence of more serious damage that requires complex repairs or a complete replacement of a car part;
   • draw up an accident plan. There are no uniform rules for its creation, but when answering the question of how to draw an accident diagram, it is worth noting that one should strive to make an extremely understandable drawing, the analysis of which will not raise any additional questions. The scheme is prepared in the following sequence:
   • the position of the section of the road on which the accident occurred is applied to a sheet of paper, indicating the names of neighboring streets and numbers of houses located nearby (in the event that there are other landmarks nearby, such as shopping centers, libraries, etc., they should also be noted on the diagram ), traffic lights, road signs and markings, etc.;
   • the position of vehicles at the time of the accident is schematically plotted on the prepared image of the area (as a rule, vehicles are depicted as rectangles) with the code “A” or “B” marked on them (in accordance with the code indicated in the notice at the stage of describing the vehicle); the direction of travel is indicated by arrows, the place of impact is indicated by the symbol X;
   • under the graphic image, it is necessary to give a transcript of all symbols, used to create the schema;
   • in column 15, if necessary, you can indicate information that is not in paragraph 16.

   If the front side is completely filled out, the diagram is drawn and the participants have no disagreements (including guilt), the drivers put their signatures in paragraphs 15 and 18 and tear the pages of the notice to design the reverse side themselves.

2. Filled in back side . Here, each participant in the accident describes in detail his vision of the current situation, and also indicates under whose control the vehicle was at the time of the accident (the owner or another person). In the “Notes” column, you can write down information about the presence of additional information about the accident, obtained in the course of taking photographs and videos (including with the help of a DVR).


3. If, after signing and separating the forms of notification of an accident, it is necessary to make corrections or additions to the document, they must be certified by the signatures of both participants.

Limit of payments under the europrotocol

To date, the maximum amount of compensation due to the party injured in an accident is
100,000.00 rubles.

This restriction applies to all regions, incl. for Moscow and St. Petersburg, as well as the Moscow and Leningrad regions adjacent to them.

However, for residents of Moscow, St. Petersburg, the Moscow and Leningrad regions, when registering an accident without authorized persons, the limit can be made up to 400 thousand rubles, provided that the circumstances of the accident are recorded in one of the following ways:

• with the help of technical means of control that ensure the prompt receipt of a global navigation satellite system formed in an uncorrected form based on the use of signals of the global navigation satellite system Russian Federation information that makes it possible to establish the fact of a traffic accident and the coordinates of the location of vehicles at the time of the traffic accident;
• using software, including integrated with the federal state information system " one system identification and authentication in the infrastructure that provides information and technological interaction of information systems used to provide public and municipal services in electronic form”, which meets the requirements established by the professional association of insurers in agreement with the Bank of Russia, and provides, in particular, photography of vehicles and their damage at the scene of a traffic accident.

FAQ

Within 5 working days from the date of the accident, the perpetrator of the accident sends the form of notification of a traffic accident to the insurer who insured his civil liability (the front side of which is filled in by both drivers, the reverse side of which is the perpetrator of the accident). This can be done by personally visiting the company's office or by sending a document by mail with a description of the attachment and then notifying the sender of the delivery of a registered letter. In addition, the owner of the guilty vehicle, without the consent in writing of the insurers, should not start repair or disposal before the expiration of 15 calendar days, except for non-working public holidays, from the day of the traffic accident and within five working days from the date of receipt of the request from the insurers, is obliged to present the vehicle for inspection and (or) independent technical expertise. Violation of these rules may cause the insurance company to file a recourse claim against the perpetrator of the accident, as a result of which the latter will have to pay compensation to the injured party for the damage caused.

Within 5 working days from the date of the accident, the victim sends the following package of documents to the insurer that insured his civil liability:

• application for compensation for material damage caused as a result of an accident;
• duly certified copy of the identity document of the victim (beneficiary), i.e. passport;
• documents confirming the authority of the person who is the representative of the beneficiary, i.e. power of attorney;
• documents containing bank details for obtaining insurance indemnity, if the payment of insurance indemnity will be made in a non-cash form or a statement on the organization and payment for the restoration repair of the damaged vehicle of the victim at the service station;
• the consent of the guardianship and guardianship authorities, in the event that the payment of insurance compensation will be made to a representative of a person (injured (beneficiary)), who has not reached the age of 18 years;
• notice of a traffic accident (front side, completely filled out by both participants in the accident with signatures and a diagram; back side, filled out by the victim; back side, filled out by the tortfeasor is attached only if both copies of the accident notice were submitted to the insurer of the victim)
• documents confirming the victim's ownership of the damaged property or the right to insurance payment in case of damage to property owned by another person.

If there is an electronic storage medium containing information that can confirm the innocence of the applicant (for example, a memory card used in a registrar or a mobile phone), it should also be handed over to an insurance company representative.

Even if the perpetrator of the accident violates the statutory deadline for submitting the European protocol to the insurance company (or does not hand over the document to the insurer at all), the victim will still receive the payment due to him.

Until 2014, it was impossible to issue an accident according to a simplified scheme, if the car of the injured party had a CASCO insurance policy. At present, the legislator does not prohibit drawing up a CASCO Euro protocol, so if you are the owner of such a policy, you can draw up a Euro protocol and subsequently receive the payment due on it.

But at the same time, it should be taken into account that the settlement takes place in accordance with the Federal Law of April 25, 2002 No. 40-FZ “On Compulsory Civil Liability Insurance of Vehicle Owners”, i.e. only if both participants in the accident are insured under OSAGO and the insurer’s liability limit cannot exceed 50,000.00 rubles.

In accordance with the amendments made in 2008 to Federal Law No. 40-FZ dated April 25, 2002 “On Compulsory Insurance of Civil Liability of Vehicle Owners”, an accident that occurred in a parking lot is equated to vehicle use, therefore, is drawn up in a similar (including simplified) manner.

A contactless accident is a type of traffic accident in which the vehicle responsible for the accident does not directly cause any damage to the affected vehicle, but creates a situation that entails damage to the second party (for example, avoiding a collision with a car that violated traffic rules , the driver of the vehicle crashes into a tree or another vehicle). In this case, the European protocol cannot be drawn up, since the condition providing for the registration of an accident without the participation of employees of the CO is not met (the traffic accident occurred as a result of the interaction (collision) of two vehicles).

To avoid questions that may arise from traffic police officers who stopped the car to check documents after the accident, certify the form confirming the fact of the accident with a representative of the insurance company.

In the current 2019, drawing up in case of an accident is a common decision among drivers. But there remains a fear of drivers to face unpleasant consequences due to ignorance of the nuances of the procedure. What is the main thing you need to know about the requirements for the form of the European protocol, in what cases it can be called into question and what obligations lie with the participants in the incident.

Why and when compiled

The issue of reimbursing the cost of car repairs without calling the traffic police to the accident site is caused by:

• saving time (the entire registration procedure takes no more than an hour, which is even less than waiting for the arrival of the traffic police, not to mention the preparation of documents by them);
• preventing the formation of traffic jams on the roadway, as well as avoiding a fine for obstructing the traffic flow. Recall that the SDA provides for the obligation of drivers to clear the roadway in case of minor damage;
• convenience for motorists. When an agreement is reached, you do not need to take a word, exchange receipts, etc. All circumstances will be indicated in an official document, which cannot be refused;
• pay a fine for violation of traffic rules in connection with the accident. After all, traffic police officers not only record the situation of an accident, but attract to the adm. responsibility of the guilty driver. By the way, therefore, not only the victim, but also the culprit should be interested in drawing up the protocol;
• the europrotocol is also suitable for cases of payments under CASCO.

One of the conditions under which the Europrotocol can be drawn up is the amount of compensation after an accident. It should not exceed a certain value, from June 2018 to October 2019 the amount is 100 000 rub. Thus, the simplified procedure applies only to minor accidental damage.

In addition, it is important to comply with other requirements provided by the legislator.:

1. there must be two participants in the accident, and each of them has a valid OSAGO policy. If one of the drivers is with a trailer, then it is considered that this is one vehicle;
2. there are no disagreements not only on the amount of damage, but also on all circumstances, and most importantly, on establishing the guilt of one of the drivers. However, if there are still disagreements, then when fixing the accident site using the ERA-GLONASS technical means or using the AIS RSA program (technical control tools that fix the accident situation in an uncorrectable way: coordinates of the place, time, existing damage, etc.), you can do without the presence of representatives of the traffic police. Photos and other data are uploaded by at least one driver to the database of the association of motor insurers and small disagreements of drivers will not be an obstacle to drawing up a euro protocol under a simplified procedure;
3. what happened is described in detail and confirmed by both;
4. no casualties (damage caused to only one or both cars, but not to people);
5. no other property was damaged road signs, coverings, fences, large green spaces, nearby buildings, etc.);
6. The accident happened on the territory of the Russian Federation. In other countries, even members of the Eurasian economic union the rules are different.

If the situation falls under these signs, you can use the right to a simplified settlement of the conflict on the road. Otherwise, when the circumstances of the accident did not correspond to the listed points, the insurance company will refuse to pay.

Example. Petrov V.V. and Ivanov A.A. collided with their cars. As a result, damage was caused to the car of Ivanov A.A. (Petrov V.V., by their mutual agreement, was found guilty). Since there were no disagreements on all major issues, the amount of the alleged damage was less maximum size(100,000 rubles), the men drew up a European protocol. Subsequently, it turned out that the collision of two cars of these citizens also caused damage to an outsider, or rather, to his car. So, with a failed maneuver, the car of Petrov V.V. lightly hit a truck parked nearby. Since more than two people were involved in the accident, the insurance company refused to pay. An appeal against this decision did not positive result. Here, even the conscientious error of drivers who objectively did not notice the damage to the third car will not be taken into account.

In practice, there are many nuances that make it difficult to use an abbreviated method of resolving damages issues, because:

• not all drivers (especially pensioners) have smartphones with video cameras that can correctly fix the position in case of an accident;
• many drivers see the protocol for the first time exactly when an accident has already happened - in a stressful situation, therefore they do not have to correctly draw up a document, carefully and calmly read the form. At best, the traffic police will be called (“I’d better wait, but everything will be recorded correctly”), at worst, the form will be filled out with violations. What will call into question the real payment to the victim;
• inexperienced drivers generally do not know about this method of resolving the situation on the road. In driving schools, they are just beginning to bring to the attention of students the basic rules of “simplification”.

If there are any features of a psychological or other nature that prevent the use of a simplified procedure, it is better to call the DPS.

Before compiling

Traffic rules provide for a clear sequence of actions in case of any accident, regardless of the call of the inspector to the place:

1. stop moving;
2. install an emergency stop sign;
3. fix the position of objects on the roadway. It is necessary to pay attention not only to damage to cars, but also to buildings, road signs or other landmarks that are nearby. The projection (contours on the pavement) of cars should be outlined with chalk and additionally photographed after the cars are removed from the scene of the accident.

The last duty of motorists is very important when drawing up the European protocol. After all, representatives of the traffic police do not participate in fixing and, accordingly, cannot suggest what to look for. Therefore, photographing (you can also additionally make a video) is necessary from several angles, approximately and separated, in a word - as detailed as possible. The lens should get:

• the general situation of the accident;
• relative position of cars;
• damaged parts of machines;
• car parts (fragments, mechanisms, decorative elements, stains of technical fluids) on the road;
• traces of braking;
• state signs of cars;
• if possible, the faces of the participants in the accident.

It is better to call the police if you think the other driver is in doubt, not sure about decision, or the situation of the accident is too complicated, or you think that the repair will cost a tidy sum in excess of 100,000 rubles.

With full confidence that all the conditions for the possibility of doing without traffic police are met, you can proceed to the direct filling out of the form. It is issued to each driver when registering OSAGO. You need to use printed forms. If, upon receipt of the policy, a form was not issued, you must contact the insurance in advance to receive it. At worst, print from the official website of the traffic police, an insurance company. You should not use self-made ones, as this may be one of the reasons for refusing to pay a refund.

How to fill out the form correctly

The rules for compiling a European protocol in case of an accident are provided for by the legislation on OSAGO. To avoid questions from the insurer, you must:

1. correctly identify the location of the accident. We recommend that you indicate: the road number (if any), the street, the number of the nearest house or any public building. If there is an appropriate technique (for example, the ability to use GLONAS), then the best way out would be to indicate the coordinates of the area. By the way, in Moscow and Leningrad region the limit under the European protocol can be more than 100,000 rubles. (up to 400 thousand) in case of using satellite navigation systems. This approach is explained by the high accuracy of localization and the inability to make graphic changes by fraudsters (which cannot be said about ordinary photography - almost any changes can be made to any photo using special applications);
2. put down the date and time when the accident occurred, using two-digit numerical values;
3. indicate the number of damaged cars: usually two, but sometimes only one car is damaged;
4. make a note that other vehicles, as well as people, have not been harmed;
5. make a list of all eyewitnesses of the accident, indicating their full names, contact numbers and addresses of residence (of course, with consent);
6. do not forget to write information about your car (the second party writes information about their transport), with the obligatory specification of the brand, model, number and other individual data;
7. indicate your full name (in full), as well as the data of another person who may have been driving at the time of the accident;
8. describe all the circumstances preceding the accident: the maneuvers of both participants, the location on the road, etc., draw up a diagram. A schematic representation of what happened is extremely important - it is this evidence that will be the subject of close attention when studying an insured event. Employees of the insurer company will surely compare the scheme with other evidence (testimony of witnesses, photographic data) and, in case of discrepancy, there may be a refusal to satisfy the requirements;
9. mark the part of the car where the first impact occurred in a collision, indicating specific visible damage;
10. the appendix may list what supporting evidence can be examined: video recorder data, photographic materials, etc. All this can be analyzed by the insurance company in case of any doubts about the correctness of the protocol;
11. observe the following:
    • all fields must be filled in. In the event that it is impossible to provide information on some item, then a dash is put;
    • you need to use a simple ballpoint pen with blue ink;
    • avoid mistakes, blots, corrections, strikethroughs;
    • if the handwriting is incomprehensible, it is better to write in block letters;
    • both drivers participate in the compilation, after which, having disconnected the document, each of them takes his notice.

If there is not enough space in the filling form, you can supplement the document with a regular sheet, on which the signatures of both participants in the traffic accident must be affixed.

The Europrotocol is becoming increasingly popular with motorists who have been involved in a light accident. Among those who applied for payment of direct damages, that is, to their insurer, a third filed an accident according to the Europrotocol. That's quite a lot.

In total, 1,658,123 car owners turned to their insurance companies last year. This is two-thirds of all insured events under OSAGO. Of these, the Europrotocol was issued by 540,600 people.

Who is eligible for the simplified order?

Recall that the Europrotocol is a simplified procedure for registering an accident without calling the traffic police. Two cars collided, the drivers filled out the notice form and drove away. Then each submitted this form to his insurance company.

However, you can use such a simple design only under certain conditions:

Only two cars were involved in the accident;

Both owners are insured under OSAGO;

No harm was caused to the life and health of drivers, passengers, pedestrians;

The damage was caused only to the cars of the participants in the accident, the property of third parties was not damaged;

The participants in the accident have no disagreements on the circumstances of the accident and the damage caused.

At the same time, it should be borne in mind that the limit of payments under the Europrotocol is limited to 50 thousand rubles. For 68 percent of cases, this coverage is sufficient. If you think that repairs will cost more, it is better to call the traffic police and follow the instructions of the duty officer.

There is, of course, an exception to this rule: in four regions - Moscow, Moscow Region, St. Petersburg, Leningrad Region - the limit under the Europrotocol is limited by the limit on OSAGO. That is 400 thousand rubles. But this requires such supporting data that the procedure becomes very complicated.

If the sobriety of the second driver is suspicious, it is better to call the traffic police to the scene of the accident.

If drivers cannot decide which of them was running a red light or who did not give way to whom, it is better to call the traffic police.

If the driver of the car that was hit on the rear bumper claims that the scratch on the front fender is also related to this accident, it is also better to call the traffic police.

Policy check

For the final decision, it is necessary to make sure once again that the second participant’s OSAGO policy is valid and genuine, and it’s also good to make sure that the policy is related to the one who was driving. It's not hard to check it out. It is enough to go to the website of the Russian Union of Motor Insurers. There, right on the home page, there is a link called "Check CMTPL policy." We follow this link and get a lot of opportunities for verification. By clicking on the link "Information for policyholders about insured vehicles", you can enter the policy number and get information about the registration and identification numbers of the car, whether the policy is valid or not, as well as the name of the insurance company where the liability of the car owner is insured.

By clicking on the link "Information for victims and other participants in an accident about the existence of a valid OSAGO agreement in relation to a certain person or vehicle", you can specify the registration or identification number of the car and get information about the OSAGO policy. Moreover, if the circle of persons admitted to management is limited, then you can enter data on the rights of the second participant and receive confirmation that the policy applies to him.

If the policy is not found, or the driver is not included in it, it is better to call the traffic police.

Where can I get the Europrotocol form?

The form of the Europrotocol in the common people is called "Notice of an accident." This form is issued when applying for an OSAGO policy with an insurance company. If the driver has purchased an electronic OSAGO policy, then he can call in any company, not necessarily his own, and get this form there absolutely free of charge.

There is another option. This form can simply be printed on a printer. On the same PCA website, go to the "OSAGO" section, select "OSAGO Forms", then "Accident Notice", "Accident Notice Form" and print it together with the reverse side in two copies. The fact is that the form that is issued by the insurance company is self-copying. Therefore, in which case, each of the drivers will have to fill out only their part once. And if this document is printed on a printer, you will have to fill out two copies. After all, both parties to the accident must submit this notice to their insurance company.

What to shoot?

If there are no obstacles to the registration of the Europrotocol, it is recommended to take photographs of the incident. It is not officially required. But photographs will simplify the work of insurers and remove unnecessary contentious issues.

You need to take pictures so that you can see:

∙ general plan of the scene of the accident (so that the type of location of the vehicle can be identified);

∙ traces of braking, fragments of parts, a place of scree of broken elements of the vehicle (glasses, bumper linings, etc.);

∙ both vehicles close-up from all sides, with car numbers;

∙ damaged vehicle parts.

After completing the photo and video shooting, cars can be removed from the road.

How to fill out an accident report form?

Now you can proceed to the design of the Europrotocol. To do this, we take an accident notification form and, without dividing it into parts, begin to fill it out. It is desirable to do this with a ballpoint pen with pressure so that the information is more clearly copied on the second form. It doesn't matter who does it. Each driver has to fill out his own column, or the one with the prettiest handwriting for himself and for that guy.

In paragraphs 1,2,3 we indicate the place and time of the incident, as well as the number of damaged cars, which under the Europrotocol cannot be more than two.

In paragraph 4, we put dashes.

In paragraphs 5, 6 and 8 we mark the word "no".

In paragraph 7, you must enter the data of witnesses, if any.

In the left and right columns of the notice in paragraphs 9 - 12, you must enter the data of the car, driver and OSAGO insurance policy. It does not matter which column - "A" or "B" - will be filled in by the perpetrator or the victim.

In paragraph 13 on the image of the car, you must indicate the place of the initial impact. It is not worth depicting damage here.

Damage should be listed in item 14. If you do not know the name of a particular part, just describe it. The insurer will understand.

Each driver signs his own column.

In the central column in paragraph 16, the circumstances of the accident should be noted. For example, if the driver overtook, then two boxes should be marked: "changed lane" and "overtook". On the left are the items for driver "A", on the right are the items for driver "B". At the end of paragraph 16, you must indicate how many cells are marked by each driver.

In paragraph 17, you need to draw a diagram of an accident. You don't have to be an artist to do this. It should have a road with signs, markings, traffic lights and landmarks. You must enter a street name. And also indicate the number of the house by which the scene of the incident was determined. Cars can be drawn with simple rectangles, but it is important to arrange them as they were at the time of the collision. In this case, it is required to indicate the direction of movement of cars.

Under the middle column, both parties to the accident must also put their signatures. Thus, they confirm that they have no disagreements on the circumstances of the accident.

Further, the form can be divided into two parts. Which part is not important to whom. It is important to note that the accident notice form also has a reverse side. It also needs to be filled out. But this is something every driver does on their own. The signature of the second participant in the accident on the back is not needed.

This is where you can go.

Now both participants in the accident must submit their accident notices to their insurance companies within five days. They are also obliged not to repair the cars within 15 days, until the damage is assessed by the insurer, if it is required by the insurer.

If the person responsible for the accident does not submit his copy of the notice to his insurance company, the insurer may issue a recourse to him. If he repairs his car before the expiration of 15 days, he may also be given a recourse.

Unlimited Europrotocol

Recall that for minor accidents that occurred in Moscow, the Moscow Region, St. Petersburg and the Leningrad Region, the limit under the Europrotocol is limited only by the limit for OSAGO. That is 400 thousand rubles. However, in order to count on unlimited, several more conditions must be met.

Cars must be equipped with systems that record the fact of an accident and the place of an accident using global navigation satellite systems: GLONASS or GLONASS together with other systems. For example, it is available for vehicles equipped with the ERA GLONASS system or advanced telematic security systems. This is done in order to avoid fraud. For example, an accident occurred in the Ryazan region, but in order to receive a large payment, it was issued as if it had occurred in the Moscow region. Data recorded by satellite systems cannot be faked.

The second condition is that photography must be done with the help of a special mobile application, which also excludes the possibility of human interference in the image. This application for smartphones and tablets can be downloaded from the App Store and Play Market.

It even tells you which shots to take and how to take them. And it is from the database of this application that the insurer will take photos of the accident.

However, this application is currently not working. In connection with the amendments to the legislation on the execution of the Europrotocol, the application is now being finalized. Recall that the amendments to the Europrotocol will come into force on June 1 this year. By this time, the application will work.

All these difficulties make the possibility of receiving payments under the unlimited Europrotocol minimal. And that is why only a few people used this service. After all, if there is no appropriate equipment, then the payment under the Europrotocol will not exceed 50 thousand rubles.

How do I fill out an accident report form?

Both drivers fill out one accident notification form: the front and back sides are required.
In this case, it does not matter which of the participants in the accident the form will be filled out. Each driver selects any column and enters information on his vehicle.

• 1. Location of the accident: indicate the city, street and number of the building closest to the accident; if the accident occurred at the intersection - the intersection of streets; if not in the settlement - the name of the route, kilometer and direction of movement.
• 2. Accident date: mark the date and time of the accident.
• 3. The number of damaged vehicles: there should be only two, otherwise call the traffic police.
• 4. In the column "Number of wounded / dead" there should be dashes, otherwise the application of the Europrotocol is unacceptable.
• 5. Examination of participants in an accident for intoxication: when registering the Europrotocol is not carried out.
• 6. Material damage caused to other vehicles (except for "A" and "B"): if other property was damaged in addition to two vehicles, registration of the Europrotocol is unacceptable.
• 7. Witnesses to the accident: indicate the contact details of witnesses, if any (if possible, take written statements from them about the circumstances of the accident).
• 8. Whether registration was carried out by a traffic police officer: “no”, since the Europrotocol is drawn up without the participation of police officers. Further, each participant in the accident fills out his side (“A” or “B”).
• 9. Make, model of the vehicle: data from the certificate of registration of the vehicle.

• 10. Owner of the vehicle: details of the person whose name appears on the registration certificate, including address.
• 11. Driver of the vehicle: the data of the person who was driving the vehicle at the time of the accident (may differ from the data of the owner of the vehicle) are indicated.
• 12. Insurer: indicate the insurance company from the OSAGO policy, the policy number and the expiration date.
• 13. Place of initial strike: Only the place of initial strike is indicated.
• 14. Nature and list of visible damage: all visible damage is indicated.
• 15. Comments: indicate which of the participants in the accident pleaded guilty, and the innocent must indicate his innocence.
• 16. Circumstances of the accident: specify from those proposed. Be sure to note the total number of filled cells.
• 17. Accident scheme: it is necessary to mark the contours of the carriageway with the obligatory indication of street names, as well as the direction of movement. Indicate the location of vehicles, road markings, road signs, signs, traffic lights - everything that is related to the accident.
• 18. Signatures of drivers certifying the absence of disagreements on paragraphs. 14, 15, 16, 17 - a prerequisite for registering an accident using the Europrotocol.

If there is not enough space on the back of the form for complete description, write down
the necessary data on a blank sheet of paper and attach it to the main form.
On the form it is necessary to make a mark "With the application", and on the application indicate,
what document it refers to and by whom it was drawn up, as well as certify it
signatures of both participants in the accident, as well as on the front side of the form.