The first thing that is done by the traffic police inspector who arrives at the scene is the accident pattern. But, as you know, not all traffic accidents have recently been filed with the participation of the traffic police. Minor accidents can be made out by its participants. Then an accident diagram is drawn up. Consider what it is and how to draw it.
What traffic accidents can do without traffic police?
Accidents on our roads, unfortunately, are not uncommon. And their number does not become smaller. Therefore, recently, it was decided to allow in some cases to do without calling the traffic police. We’ll make a reservation right away: not every accident can be registered exclusively by its participants. To do this, it must have the following features:
- only two cars are involved in an accident (no more and no less);
- no one has been harmed;
- both participants have OSAGO insurance policies;
- drivers agreed among themselves and agree on all points.
In addition, the amount of damage is not more than fifty thousand rubles or four hundred thousand for Moscow and St. Petersburg.
Notice - main document
In any accident, a notice is drawn up, which is then sent to the insurance company within five business days. But in those cases when documents are executed without calling the traffic police inspector, it is the main document.
When filling out, it is advisable for both drivers to use the same form, write with a pen with good pressure, so that everything can be read on a copy. Column A or B is filled in regardless of who is the guilty person and who is the victim. On the front side, paragraph 17 also lists the accident pattern.
We’ll talk about it in more detail.
What is a traffic accident scheme?
In simple words, this item is a sketch of a traffic accident. It should reflect all the information that law enforcement agencies need to issue documents. They are then presented to the insurance company. Only then can you expect to pay insurance.
It’s not difficult to draw a diagram. The main thing is to be able to fully disclose the situation. By agreement, one of the participants draws up an accident diagram. How to draw it, see an example.
In order for the document to be accepted in the traffic police unit, the scheme must clearly meet certain requirements.
Charting an accident
So here is what should be depicted:
- two cars involved in an accident;
- they should be drawn in position at the moment the emergency stop occurred;
- the names of all nearby streets are written with the direction of traffic;
- the direction of the incident is written in the upper right corner;
- cross mark the collision of the vehicle;
- also reflect fragments and other damage elements;
- write the distance between cars and the size of the road;
- indicate the vehicle models and their position after the collision.
It depends on how to draw up a traffic accident plan to determine whether insurance companies will satisfy the request for payment.
Tips for completing
When compiling a document, follow these guidelines.
Do not use a pencil, draw with a pen.
Do not fix anything.
Both one and the other driver sign a scheme with the decryption of their data.
Entrust the measurement of distances to the tape measure, not the eyes. This is especially true for serious motor vehicle accidents.
Try to get witnesses. Then the scheme in the eyes of insurers will become more convincing.
Look at an example of a traffic accident scheme. It reflects all the moments that it was accepted in the traffic police and the insurance company.
Details and features
Attracted witnesses must affix the document with their signatures and provide data.
Both drivers should be absolutely similar in opinion: who is the culprit of the accident, and who is the victim. Moreover, the culprit must plead guilty in full. If he writes in a document that he pleads partially guilty, receiving a payment will be problematic.
At the end, the scheme must be carefully checked and signed. Try not to rush, even if there is very little time. After all, inattention can lead to the fact that from an innocent side you turn into the culprit of the incident.
If both participants agree, they can photograph each other's documents. Photos and videos of the accident will also be useful. If you want them to be taken into account in the future, they must be handed over to the police so that they introduce them to the case. In this case, you must specify the camera with which the shooting was made, and the exact time of its holding.
Examples of accident patterns
Let's consider how the scheme of road accident should be drawn.
The first example is very common. The accident happened during the turn, when previously there was no rebuilding. That is, the driver did not occupy the left lane, at which the turn is allowed in order to then make it. The dangerous maneuver resulted in a collision, which you see in the diagram above. It is clear that the culprit is the driver of the car, making a turn. To make this clear, all lanes and their directions should be displayed.
Another case may illustrate how one vehicle crosses an intersection. The other moves from the perpendicular side to the red light of the traffic light. A traffic collision resulted in a collision. To see this, the red light of the traffic light should be reflected in the circuit.
In the third example, we show how one car moves along the main road. The other must give way to him, but does not do this, so an accident occurs. To understand, you need to draw all the signs on the road.
And here is what the accident pattern looks like. The form can be carried with you. It depicts what happened.
What to do after?
After drawing up documents, it is advisable for both participants to go to the traffic police unit together. If one of the drivers cannot go there immediately after the incident, arrange and drive up at the exact appointed time.
An explanation should be given. As in a regular accident (when the inspector arrives at the scene), drivers must describe all the circumstances of the incident. All this is written on a special form, which will be issued by the traffic police. You should not rush when filling out a document. Try to consistently describe what happened. The scheme of an accident, which we draw above to draw, will help a lot if you keep it in front of you. This makes it easier to concentrate and correctly describe a traffic accident.
CTP and CASCO
We learned that it is possible to draw up a scheme without traffic police only when only two cars were involved in the accident and none of the people were injured, and cars should not have trailers.
But the point about insurance is also important. They resort to the method only when both participants in the accident have OSAGO policies. Drivers should check each other's insurance so that they are not past due. However, if, in addition to compulsory motor third-party liability insurance, the vehicle of one of the participants or both is immediately insured under CASCO, the situation will change. Insurers will most likely refuse to pay if an accident is executed without calling a traffic police officer.
However, if the voluntary insurance contract specifies options for the possible execution of an accident by means of a European protocol, then in the event of one of such cases, the car owner can use self-registration of an accident and expect to be paid. Some agreements may specify a maximum amount of payment, while others may list the types of accidents.
Conclusion
From the article you learned how important the accident pattern is. Having studied all the nuances and knowing how to compose it correctly, you can significantly save your time. All drivers know how accidents happen at the wrong time. Maybe just at that time there are other urgent and urgent matters. When you make an accident on the Euro Protocol, you will not fall out of the schedule and have time for all scheduled meetings.