Recently, Russian drivers have been able to draw up small accidents without calling the traffic police. The document that is being compiled is called the Europrotocol. Consider the different nuances that are associated with this, including how to arrange and receive a refund on the Euro Protocol.
The concept
Europrotocol is a document that allows you to deal with the situation of a minor accident without calling the traffic police. Thus, the registration process is accelerated, after which the participants in an accident can safely continue on their way. It was introduced to make life easier for accident participants and drivers of other cars driving along the road.
To exercise this right, you must first study the information about this issue. Then errors in the actions and drafting of the document are minimized, and therefore, compensation for the Euro protocol is received without problems.
Consider first the nuances associated with the design. So, if a collision occurs, it follows:
- stop the vehicle and put up a special sign notifying other traffic participants about it;
- take a picture of the accident, describe and record the damage, if possible assess how much the repair will cost;
- get information about the participants in the accident and find witnesses, if possible.
With the first action - stopping - everything is clear. But with photos, questions may arise.
Photos, videos, and other activities that may help
In order for the pictures to come in handy at the insurance company, they must be taken correctly. We will study this in more detail.
- First, they take several photos of the overall picture of the accident, fixing from different angles.
- Then they remove the traces of braking in the close-up.
- After that they take pictures of the damage.
- The frames should include the state numbers of another participant in the accident.
- Before you make an accident on the Euro Protocol, they call the insurance company and notify about the incident. At the same time, if they expect to receive a maximum amount of 400,000 rubles or close to it, then the equipment with which photos and videos were taken should comply with the requirements established by the government. An accident, in turn, should be fixed by a satellite navigation system.
- If there were witnesses during the collision, try to collect contact information from them. Indications will be needed if you have to defend what happened. But this is not a necessity.
Mandatory conditions
Europrotocol is not allowed to issue in all cases. The law prescribes specific conditions under which such a procedure is allowed. Compensation for Europrotocol is received when all the mandatory conditions are combined. We list them briefly.
- In an accident no one should be hurt.
- A collision occurred only between two vehicles.
- Drivers agree to all conditions and claims made to each other.
- They left the scene of the accident after the execution of the Euro Protocol was completed and the document was signed.
If at least one of the points does not match your situation, call the traffic police, otherwise you will not be able to get insurance. In addition, it must be remembered that reimbursement according to the Euro Protocol has limits.
Procedure
Imagine a situation that satisfies all the conditions for self-registration. Before us is a document to be completed.
We first consider the general points on it.
- Europrotocol design is only possible with a ballpoint pen.
- It is made up of one of the participants, but both drivers make entries in special columns.
- The reverse side is filled by each separately.
- After drafting, the form is cut, and each of the participants receives a copy.
- Drivers sign in each of them.
- Any corrections after separation are not valid.
- To notify the insurance company, the participant in an accident is given three days from the date of the accident.
- You also need to take photos and videos. These materials are recorded within an hour after the incident. This rule is included in CASCO clearance this year.
Application
In brief, we have already examined the conditions under which a Euro-protocol is issued in case of an accident. We highlight their features.
- None of the people should be injured in an accident. Moreover, this applies not only to drivers and passengers of cars involved in the accident, but also to pedestrians.
- Only when two cars collide, a document is drawn up without calling the traffic police. If three cars were involved in the accident or, conversely, only one, it is necessary to call an inspector. The same applies if one of the two vehicles is equipped with a trailer.
- Another important condition is that one and the other participant in the accident must have a compulsory motor liability insurance policy. Moreover, it should be checked that the other driver is active.
- Participants in road accidents should not have disagreements over the circumstances of what happened. Therefore, it is advisable to check whether one of them has added something in the Euro protocol that was not agreed upon.
- Damage caused only to vehicles. If public property is damaged, then self- registration of an accident is impossible.
- All damage caused to the car, you must describe in detail. Based on this entry, the insurance company calculates the payment.
- In addition, one of the participants in the accident must admit guilt unconditionally. That is, there should be no postscripts and ambiguous statements.
You need to understand that any, even minor errors in the filling can cause failures on the Euro protocol from insurance companies. Therefore, if in doubt, it is better to call the traffic police.
Compilation
Notification forms are issued at the insurance company, where the MTPL agreement is drawn up. If for some reason you do not have them, you can contact the insurer to issue a new set.
Forms are double-sided. They are divided into two columns, which are mandatory. On one side they enter information about the participants in the accident, witnesses, the place and circumstances of the incident, the reasons, damage to the cars and others. Then the form is unfastened, and separately fill the back side.
Front side
We proceed directly to the filling. Items on the front side are filled especially carefully. All necessary data must be indicated, information about insurance and damage is described in detail. Consider how to make those points in which the accident participants make the maximum number of errors.
- In paragraph 13, a diagram of what happened is displayed. Here, not only vehicles should be drawn at the time of the accident, but also the names of streets and roads, nearby fixed objects, traffic lights, road signs and more are displayed.
- Damage is recorded in paragraph 14. They write everything that is visible to the naked eye. Here you should make sure that the other driver does not ascribe the details that broke before the accident. If the damage is not visible, they will be installed after the accident when examined by specialists at the service station.
- Paragraph 16 describes the circumstances in which the collision occurred. All details are noted in this column. The situation is analyzed and described very clearly.
- In paragraph 17 draw a diagram of what happened.
- In paragraph 18, the parties sign a document.
After that, the form is divided into parts and fill the back side.
back side
Everything that is described on the reverse side does not show each other. This part is filled by each of the drivers independently. If the form is spoiled, take another, and re-fill. As already noted, there should be no corrections on it. If the other participant does not want to fill out the Euro protocol during an accident properly, call the traffic police immediately, because such actions are unacceptable.
All drivers with an insurance policy must have a Euro protocol form, which is issued by the insurance company. In addition, it is desirable that the drivers print out a Europrotocol for themselves. Then, if an emergency occurs, it is easier to navigate and fill out the document the first time without errors.
Amount of damage
Currently, the legislator has fixed the maximum amount of compensation for the Euro Protocol. This is, in general, 50,000 rubles. However, there are some exceptions.
- So, the amount will be only 25,000 rubles if at least one of the participants in the accident has an OSAGO insurance policy concluded before August 2, 2014.
- But if the accident occurred in Moscow, St. Petersburg or their regions, the limit on the Euro protocol becomes larger, and amounts to 400,000 thousand rubles. However, this will only be possible if the Era Glonass system is introduced in the cars . If this is not the case, then compensation is not required for more than fifty thousand rubles.
There are cases when during the inspection it turns out that the damage caused during an accident exceeds the amount of insurance. Then the driver, who is responsible for the accident, pays the remaining amount from his own pocket. This is the most unpleasant moment. By signing the document, he actually recognizes this possibility.
Particular care should be taken with Chinese-made machines. It often happens to them when even after a small collision at a low speed, serious damage is caused to the car. Often this does not occur immediately. Thus, it is not enough to know how to behave in a given situation, and what rules of the European protocol exist. It is important to understand the potential damage to the vehicle.
What could be the problem
Consider some of the nuances that should be considered when drafting the Euro Protocol.
- If the culprit of the accident is registered in another state and has a green card, then the euro protocol is issued in the usual manner.
- If the form contains information that the participants in the accident have a disagreement about what happened, then the insurance company will invalidate the document. Then getting damages under the Euro Protocol will be very problematic.
- If there are discrepancies, they must call the traffic police.
- Payment of insurance will not be received even if the document does not indicate the perpetrators. True, photo and video materials can save the situation.
Actions after execution
After the accident and the preparation of the Euro Protocol, the actions of the participants in the accident are as follows.
The victim, within five working days, transmits a package of documents to the insurance company in order to receive compensation under the Euro protocol. It includes:
- accident report form;
- an application for compensation, which is filled out in any form (if necessary, you can use the sample provided directly to the insurance company);
- media with information about the fact of the accident (it can be a memory card with video recording or photos - then it should be noted that no changes were made and data were not edited).
The culprit should also visit your insurance company or send a notice form there. He should not proceed to repair the car within 15 days after the collision. But if you want to make repairs quicker, then before that the car is presented for inspection to the insurance company of another participant in an accident or from there they receive the appropriate permission to carry out repair work.
Payout problems and driver tricks
If the insurer, having examined the materials provided to it by the injured party, refuses to compensate for the damage, or the amount of damage under the euro protocol, which the injured party had expected, is much lower, he can sue the insurance company by going to court. This possibility is recorded in paragraph 5 of Article 23 of the Code of Civil Procedure of the Russian Federation. Such a claim is being addressed to a justice of the peace.
But it also happens when road users go to the creation of artificial conditions for the design of an accident without calling the employees of an accident. If someone has abrasions or other injuries to the body, it is better not to risk it and call an inspector, and if necessary, an ambulance. If this is not done, extremely unpleasant consequences can occur.
Conclusion
Thus, if you become a participant in the accident, and the question is being decided on the choice of design option for an accident, do it consciously. Take into account the recommendations given in the article.
It is worth adding that for the period of using the euro protocol, the share of insurance payments received as a result of registration in this way is not more than nine percent of all cases of accident. A small number of accidents, the participants of which decided to draw up documents without calling the traffic police, is due to the fact that in a collision it is not often possible to objectively assess the amount of damage.
The guilty party always runs the risk that it will be insufficient to cover the damage the maximum payment on the Euro Protocol. An accident will then become ruinous, as you will have to cover the remaining amount from your pocket.