The policyholder’s request for the provision of accident documents. What documents are needed in an accident
Documents upon the occurrence of an insured event can begin to be collected immediately, when it will take several days before applying to the insurance company for payment. The list of documents on compulsory motor third-party liability insurance in an accident is regulated by a legal act called " Regulation on the rules of compulsory insurance of civil liability of vehicle owners".
It is there that the documents for the insurance are listed for the insured event under CTP. However, it is not always so easy to understand what kind of document is needed when reading this list. For example, a document confirming the authority of a person who is a representative of the beneficiary - here it is not entirely clear to many that this is a power of attorney from the car owner if his representative addresses the documents with insurance, and not the owner himself. These are the subtleties of auto law.
Therefore, in simple words, we will present a list of documents for contacting the insurance company upon the occurrence. But before that, we will consider which insurance company the victim should contact after an accident.
Which insurance company should I contact with an insured event?
The Federal Law "On OSAGO" clearly regulates in which cases with documents about an accident you need to contact your insurance (this is called " direct damages"), and in which - to the insurance culprit.
So, you need to contact your insurance company in cases when:
- the culprit of the accident has a valid insurance policy,
- damage is caused only to property (and not to the health or life of people, including pedestrians and car passengers).
Until September 2017, there was also a condition that there should be no more than two participants in an accident. If your accident happened earlier, but you delayed the appeal, then this condition still applies to you.
But in both cases (both when contacting your company and the insurance culprit), the set of documents for applying is the same.
What documents need to be collected for an insured event?
Remember, the documents listed below in an insurance case are exhaustive - this means that the insurance company does not have the right to require any additional documents.
By the way, it is very simple to understand that it is you who is the victim of the accident - it should not be indicated anywhere that you violated traffic rules before or during the accident. That is, you should not have been issued a decision, a decision to refuse to institute proceedings or a protocol of violation, and one of these listed documents should be issued to the culprit. If both participants are found guilty, then only the court determines the degree of guilt, and you receive payments in proportion to the degree of such guilt. For example, if the guilt is distributed 70/30%, and 30% of the blame is on you, then you will receive only 70% of the estimated amount of damage or repair by 70% of the amount in the case when the compensation will be in the form of repair, and not payment.
Documents for an insured event:
Document for an insured event | Mandatory document? | A comment |
---|---|---|
Certificate of accident in form No. 154 | Not necessary | The accident certificate has recently ceased to be issued by employees. However, the obligation to provide it has not yet disappeared. In practice, if they do not give you it (which is more likely today), then they will not demand it in the insurance. |
Decision, protocol or ruling on refusal to initiate proceedings | Conditionally | These documents will be required if the accident was executed by the traffic police, and not according to the Euro protocol. What exactly of this will be given to you depends on the violated paragraph of the SDA culprit. If, for example, there is a violation of 10.1 traffic rules (they did not choose a speed that matches the weather conditions), then there will be a decision to refuse to initiate, because there is no penalty under the Code of Administrative Offenses for this. The decision is issued if there is a penalty. The protocol can be issued if it was drawn up on the culprit at the scene of an accident (its compilation is not necessary). Also, as in the case of a certificate, copies of the above documents are issued. The copies should be stamped. |
Insurance policy | Required | Your current insurance policy, if available, will be required. |
Insurance Claim Application | Required | You write it yourself. You can write directly to the insurance on the day of treatment - all insurance have forms. But there is no official sample of such a statement, therefore it is more convenient to write it at home in a relaxed atmosphere. Below you can download the application form. |
Traffic Accident Notice | Required | A notice form is already an official form with a sample fill. In general, notice forms should have been given when selling you a policy. If not, then you can also fill them out in the insurance (any insurance provides forms for free) or print and fill out at home |
Certificate of registration of the vehicle, title or contract of sale | Required | When applying for an insured event, the insurance will need a document confirming ownership of it. This is if available (pink plastic card). If the car has only recently been bought and there is no certificate, then a title or a sales contract. The insurance company will take a copy of this document. |
Passport of the owner | Required | Original passport. The insurance will remove a copy of it. |
Bank details | Conditionally | The bank details of the account issued to the owner of the car are needed if you receive a payment, not a car repair. Only victims can receive a payment if the guilty party has a compulsory motor liability insurance policy issued before the new repair law came into force instead of paying it before April 28, 2017. Bank details can be indicated in the application for compensation for loss. It is not necessary to certify and put signatures in bank details. Bank details must necessarily contain the settlement account of the payee, correspondent account, name of the bank, BIC bank, TIN of the bank, full name of the payee. |
Notarized power of attorney and passport of the owner | Conditionally | A power of attorney and a copy of the passport will be needed only if the owner himself and his representative apply for the insured event. Before submission to the insurance, both documents will need to be certified by a notary in the presence of the owner. |
Consent of guardianship authorities | Conditionally | If the beneficiary (car owner) has not reached the age of 18, then a paper will be required confirming the consent of the guardianship authorities (parents or other guardianship authorities) to receive the payment. |
If injured |
||
Help from the hospital | Required | A certificate from the medical institution where the victim was treated in an accident will be required. The certificate must indicate injuries, diagnosis and the period of incapacity for work in the presence of such a period. |
Forensic Opinion | Conditionally | Examination is required in some cases to determine the degree of loss of professional or general disability. If the examination was not carried out, then the conclusion should not be attached to the list of documents. |
Disabled person certificate | Conditionally | A certificate is necessary only if the disability of the victim is established. |
Ambulance Help | Conditionally | If the victim was called an ambulance, then a certificate issued by the ambulance on the spot will be needed. |
Income statement | Conditionally | If the victim is disabled, then you need a certificate of income (from the employer, educational institution about a scholarship, etc.). |
If the victim died |
||
Application for compensation from dependents | Required | The application is written to receive cash from the insurance for the dependents of the family of the deceased. |
Copy of death certificate | Required | - |
Certificate of marriage | Conditionally | If the deceased husband or wife applies for payment. |
Birth certificate | Conditionally | If children or parents of the deceased apply for payment. |
Victim's birth certificates | Conditionally | If the deceased victim was dependent on minor children, then among other documents in an insured event their birth certificates will be required. |
Other references | Conditionally | Appropriate certificates will be required if the dependent victim had disabled people, whom he was caring for, patients who he was caring for. |
Burial expenses | Conditionally | If burial expenses were incurred, then the persons who carried out the burial shall submit to the insurance documents: a copy of the death certificate, documents confirming the burial expenses. The burial payment for 2020 cannot exceed 25 thousand rubles. |
In addition, additional claims for payment may be made if various other expenses were incurred. You can look at all these expenses and documents that need to be presented in the case of an OSAGO insurance claim in the Insurance Rules in Chapter 3.
Download notice and application form for insurance claim payment
As it was already written above, the notice form for the accident in the established form, and the claim form for damages in the form of repair or payment of money is written in free form.
- (DOCX format),
- Download the application with all the necessary data on damages under OSAGO (PDF format to fill in by hand),
- (DOCX format, two pages must be printed on one sheet from two sides),
- Download the accident report in the established form (PDF format, two pages must be printed on one sheet from both sides).
- Download instructions for filling out a traffic accident notice from the official website of the Russian Union of Auto Insurers.
The conscious driver must understand what documents need to be prepared in the event of an accident in order to receive compensation in the future.
A few simple tips will help you not to get confused.
After the traffic police will take the required measurements of the accident, record the details of what happened on your own: write down the number plates and phone numbers of the accident participants, and the witness contacts. Analyze and verify the issued documents immediately; they cannot be corrected. Everything should be formalized in the presence of road accident participants. The exception is a survey of witnesses.
If circumstances arise that impede the necessary steps at the scene of an accident, appropriate measures are taken at any other place within 24 hours of the accident. After the successful completion of the traditional inspection, you need to prepare all the documents and contact the insurance company as soon as possible.
Documents for obtaining insurance compensation under CASCO or CTP
When an insured event occurs, the following documents must be attached to the application for insurance compensation.
From the traffic police:
- The certificate on road accident No. 154 (it is obligatory with an angular stamp and a round seal. Check independently correctly filling of fields). Certificate No. 154 is always required!
- Copy of the protocol on an administrative offense (copies of the traffic police must be on the copy).
- Decision on refusal to institute proceedings on an administrative offense (copies of the traffic police should be on the copy).
- A copy of the decision-receipt (copies of the traffic police should be on the copy).
Other required documents for the insurance company:
- Traffic Accident Notice.
- Copy of the vehicle passport.
- Driving license of a vehicle manager.
- Copy of the applicant’s passport.
- General power of attorney, if the vehicle does not belong to you.
- Notarized power of attorney, if the applicant is not the owner of the vehicle.
- Expert opinion (if the vehicle was inspected on its own) or a protocol for inspecting the car, indicating damage and explanations of the participants.
- Notification of a call for examination (if it was carried out).
- Bank details for transferring reimbursement.
- Checks for payment of all services: examination, mail, tow truck, etc.
- A copy of the insurance policy of the culprit of the accident.
When an insured event occurs under CASCO, documents must be submitted within 5 days, and under compulsory motor liability insurance - up to 2 weeks.
Obligations of insurance upon occurrence of an insured event
- Within 5 days from the moment of contacting the insurance company must conduct an examination of the damage to the car.
- After 15 working days, representatives of the insurance company must make a decision and a reasoned response about payment or refusal.
- In the next 3 days, the company must transfer the money covering the losses of the accident.
If the insurance company is not as punctual as you are and delays with the payment of compensation, then the reliable "accident-assistance" will be happy to correct the deficiencies of the insurance company.
Comfortable and safe road!
The OSAGO policy does not at all insure the culprit of the accident or his car, he insures the liability of the insured person who is driving the car during a collision in an accident.
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve your problem - contact the consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24 HOURS AND WITHOUT DAYS OFF.
It is fast and IS FREE!
Therefore, we are not talking about those documents that are submitted when purchasing a policy, but about those that must be submitted to obtain insurance. Consequently, not only the culprit is interested in this, but, above all, also the victim of the accident.
Of course, to receive payments, it is necessary that the policy be available to each of the participants in the incident, no matter how many there are.
Payment Procedure
All sizes of insurance are determined at the legislative level - in accordance with the Law on motor insurance of motor third party liability insurance dated April 25, 02, which suffered changes on November 28, 15
Payments in order to compensate for property damage amount to a maximum of 400 thousand rubles, and the cost of restoring the health of the victim in an accident is 500 thousand rubles.
No payments are due to the culprit. In addition, damage can be compensated both by paying compensation in monetary terms, and by repairing a car damaged in a road accident.
If the client chooses the repair, then he should be given a referral to the insurance company to the dealer company that provides auto repair services.
To receive compensation payments in money, the procedure will be as follows:
- Accident has occurred.
- Depending on how large the damage is, paper should be drawn in place:
- if the accident is insignificant, then you can not call the traffic police officers, but use Europrotocol;
- required. In any case, the drivers fill out a notice;
- when calling the traffic police, it is necessary to take all the papers due from them - protocols, certificates, schemes and other papers.
- Having collected all the documents, go to the insurance company of the culprit. So experts recommend. Thanks to this, you will speed up the process of registration. But this should be done as soon as possible - within 5 working days.
- When contacting the insurer, an application is submitted along with the attached documents.
- After that, the insurer sends its expert appraiser so that he can determine the real value of the damage.
- If the policyholder appended the results of studies of an independent auto expert to the application, then the insurer must take into account the amount indicated in the conclusion.
- After the amount payable will be obvious, the insurance company must pay all due to the account of the policyholder within 2 weeks.
In case you need to pay for the damage to the health of the injured party, simply medical certificates, extracts from the medical history and other evidence of bodily injuries as a result of a road accident are submitted to the insurance company.
All specified insurance limits are transferred to the victim for each case separately, regardless of how many times they occur in a year.
One important detail should also be noted - in order for the company to react positively to your application for insurance, the following factors must occur:
- in an accident there should not be less than or more than 2 participants;
- both parties must have OSAGO policies;
- damage should only be caused to cars or health.
In the event that the license was suddenly revoked from the insurer, payments should be made to RSA - the Russian Union of Auto Insurers.
The procedure of the payment itself takes place by transferring funds to the account of the insured, if the latter chose to receive money.
And in case of repair, the insurer transfers money to the account of the repair shop - the dealer of the insurance company, which is engaged in the restoration of cars damaged in an accident.
The list of documents for the payment of CTP
A package of papers to the insurance company should be submitted once or in several stages. In general, the deadlines for submitting documentation are not particularly outlined in the content of the law - legal act No. 40-FZ of 04.25.02, as amended on 11.28.15.
So, on the basis of paragraph 3 of Article 22 of this law, it is said that the party who has suffered in an accident should apply for insurance at the earliest opportunity.
But in the Insurance Rules for the CTP insurance product in paragraphs VII.41-42 it is said that it is best to submit papers for consideration within 5 business days, starting to count them from the date when the accident occurred on the highway.
For those remote from large cities, where insurers' office centers are most often located, this period is defined as 15 working days.
All documentation that relies on the issuance of traffic patrol officers from the traffic police is regulated by a special order from, which was last changed on December 22, 2014.
Therefore, as soon as the police give out to the hands of the innocent party all the necessary documents, you must immediately contact the insurer for payments.
Given the urgency of the issue, each person injured in a car accident must prepare copies and originals of all necessary papers and provide all the documents necessary for paying OSAGO to a specialist in the insurance company responsible for the accident.
The list of necessary documentation includes the following components of a package of papers:
- Application for receiving the necessary payments.
- Passport and its copy, certified by hand with a resolution: “Copy is correct”, date and signature on each copied page.
- MTPL insurance policy itself.
- that you are involved in an accident as a victim of an innocent party. This document must be prepared by the road service officer in a special form - a form that is approved by Order of the Ministry of Internal Affairs of the Russian Federation No. 185.
- Certificate from the traffic police about the accident itself. Its form is annex to.
- Traffic Accident Notice.
- Protocol from the traffic police that an administrative offense was committed.
- The decree on accidents.
- Determination in case of failure of the accident participants to draw up an administrative protocol by the traffic police.
- Decision-receipt. If the fine was issued at the scene, then you should show the insurer a receipt for the payment of the fine.
- Title or.
- The document on the ownership of the car.
- Driver's license. We need, by and large, to verify the categories and admission to a real car, which is a participant in an accident.
- When conducting an independent examination of the cost of damage, an independent expert’s opinion on the amount of damage incurred should be shown.
- All documentation on registration of the services of an independent expert - receipts of expenses, service contract, cash receipt (if this payment document is available).
- If you used a tow truck at your own expense. Then show the insurer and this receipt confirming payment of services in the form of your cash expenses.
- In case of storing a wrecked car at his own expense, the victim must also present a payment to the insurer proving the fact of the expenses incurred by the victims.
- Indicate separately the details where you should transfer the money. Details are provided separately when such an item was not in the application for insurance, and you need to receive compensation by bank transfer.
- If the innocent insured person turned out to be a minor citizen of the Russian Federation, then it will be required to present the consent to the insurer from the guardianship authorities and the board of trustees. This can happen if a minor became a beneficiary as a result of the death of his parent, who was driving at the time of the collision.
- in case the victim in an accident fails to come to the insurer's office (for example, an innocent participant in an accident was hospitalized). The power of attorney is issued to the representative of the victim and must be certified by a notary.
The victim will be able to fill out the application form either at the company’s office or on the insurer's official website. Therefore, at home, writing it by hand is not necessary in any form.
The form that an insurance institution specialist will give you when you go there takes into account all the points and nuances necessary for registering a case.
Regarding the decision and the protocols, as well as the decision to refuse to initiate proceedings on the violation of the administrative order on the road, it should be clarified that these documents may not be filled in all cases by road officials.
These are documents that are presented by a general list, but you need to understand that with each individual case, its composition may change.
In an accident with victims
In the event that a road accident occurred with such consequences that entailed a violation of health, injuries, injuries, medical reports should also be submitted.
For the rest, all documents that are on the general list for all cases should be submitted. Sometimes the insurer may require additional documents. For example, an identification code or a driver’s license.
If the policyholder is hospitalized and he is provided with all necessary medical care and treatment, then all such expenses will require coverage.
Therefore, in addition to the medical diagnosis, you should also take a price tag from the medical institution, which would indicate the cost of all services, medicines and supplies. Indeed, in this case, this will be the damage that should be compensated financially.
In a minor incident
Confining itself to the Europrotocol, filling out a road accident is often formalized in this way only with minor consequences. The notice must be issued by both drivers immediately after the accident.
Each takes his copy and goes with him to the insurance company, to then attach it to the application.
It is also advisable to photograph the site of the collision and damage caused by the collision. To assess the damage in this case, you still have to call an independent expert.
If the amount of damage is less than 50,000 rubles, then it is indemnified on its own. It is rare when insurers take on such cases. And, indeed, many drivers solve a small problem on the spot, without involving an insurance company.
Fatal
If it happened that after the accident the injured driver died, then the following documents may be submitted:
- death certificate;
- cTP policy;
- documents proving the identity of relatives or heirs;
- paper certifying family ties with the deceased;
- application written by a relative for funeral and insurance payments.
Statement
A standard form that could be unified by legislative acts does not exist. All applications for payment under compulsory motor third-party liability insurance are prepared in any form.
If the insurer does not have its standard form, then the insurer simply writes such a statement on its own. But in most cases, each insurance company has its own form, which takes into account all the points necessary to complete the case.
A very important nuance - in case your car has become unsuitable for further operation, you should mention this in a statement.
Then the insurance company will consider the essence of the issue not in the key of repair and restoration of the machine, but in the key of its complete death. And these are other insurance amounts in order to cover damage.
Where to go to the insurance company
There are several options for units to which victims of traffic accidents usually go to the insurance company for insurance premiums.
Such formations of the internal structure of the company include the following:
- settlement department;
- insurance payment center;
- payout department.
The essence and functional significance of all these units is one and the same - to make the correct calculations and to transfer funds to the destination, according to the chosen method of damages - money for repairs or just money. The difference between them, perhaps, can only be the size of the company itself.
If the company is well-known and large, then most likely, on its balance sheet there will be a payment center that serves the company's customers.
If the insurer is little-known, the company is quite small, then it is limited to a small office or office, which lets all customers go.
Duration of consideration
In addition to the deadlines for submitting documentation, there are also deadlines for considering a package of papers that has already been submitted. The total term for all companies is set within 20 days.
The countdown of days starts from the day when the application was submitted or sent by mail to the insurance company (in this case, they simply focus on the date stamped on the postal stamp).
During this period of time, the following procedures should be performed:
- for 5 working days, an additional inspection of a vehicle that has been in an accident is carried out;
- if there was no independent examination, and the need for another inspection arose, then you should hire such an expert and conduct another investigation of the damage to the machine - this is another 5 days;
- then paper is drawn up - an act stating that an insured event has occurred and other documents.
The driver of a vehicle damaged in a traffic accident can receive compensation for damage under the CTP insurance policy only on condition that a notice of the accident is submitted in a timely manner to the company that issued the car insurance. At the same time, it is important to collect and complete all the necessary documentation so that the insurer does not delay payments.
The main thing is to realize that the incorrect execution of the notice and other documents, independence at the scene of the accident and, of course, the repair before the examination, all this can cause the insurance company to refuse to pay you compensation for damages. Also, if you have violated the terms of the contract, the insurer has the right to underestimate the amount of compensation paid.
Let's figure out what documents you need to prepare for insurance after an accident and how to draw them up correctly in order to avoid disputes with the company.
The first actions after the accident
A traffic accident is unconditionally considered an insured event. The culprit of the accident is the law obliges to pay compensation to the victims, but in our country this care is taken by the insurance company, which provided the culprit with the CTP policy. In addition to some exceptions that are prescribed in the contract, for example, the use of alcohol, drugs or a car malfunction. In this case, only the CASCO insurance can compensate for the repair amount.
The traffic rules stipulate that after a traffic accident the following should be done:
- Stop immediately;
- Turn on emergency lights on the vehicle;
- Carry out a thorough inspection of the scene of the accident;
- Put a warning triangle on the road;
- Write down the last name, first name, patronymic, address and telephone number of both the participants in the accident and witnesses to the accident;
- Fill out a notification form together with another driver, if necessary, with the participation of the traffic police inspector and give a copy to the second participant in the accident;
- If the accident requires this, call a police officer and wait for the execution of the protocol, which should be received by each participant in the accident in the form of copies;
- Next, you need to notify the insurance company that you have become a participant in a traffic accident;
If during an accident there were wounded or dead citizens, it is necessary to call an ambulance and police, if possible, ensure the quick delivery of the wounded to a medical facility.
Europrotocol
If only a property damage was caused in an accident, then according to clause 2.6.1 of the rules of the road, you have the right to issue a notice and all documentation without the traffic police inspector.
In this case, the absence of disputes between drivers about the nature and mechanism of damage is mandatory. Please note that the insurance company may consider such a situation a collusion if the damage was serious. Europrotocol allowed to reduce the number of traffic jams on Russian roads, which were formed as a result of accidents.
The insurance policy stipulates that when using the Euro Protocol, the insurer has the right to require a vehicle for inspection during the first week after the accident.
Pay attention to this and in no case do not operate the machine during this period, so that it does not get into an accident, as well as do not make an independent repair of the vehicle. Remember that with Europrotocol it is very important to fill out the form as accurately as possible and draw up other documentation. Let's figure out what documents you need to prepare for insurance in case of an accident so that OSAGO is not challenged by the insurer and full compensation for damage is provided.
Documents required for damages under compulsory motor liability insurance
According to the code of administrative offenses and insurance contracts of companies, the participant in a traffic accident must provide the insurer with a certain list of documentation.
If the traffic police inspector was present at the time of the accident, it is imperative that you provide the insurer with a certificate of traffic accident number 154, a protocol and a resolution from the traffic police inspector, and copies are allowed.
Each driver must know what documents are needed to apply for compensation in an accident.
In any case, the following securities are required to be submitted:
- A traffic accident notice for the insurer, which is provided along with the insurance policy and is filled in at the scene of the accident;
- STS and TCP of the vehicle;
- Driving license of the person who drove the car;
- Passport of a citizen of the Russian Federation;
- If necessary, you must provide a power of attorney for the vehicle, if it was not owned by the owner.
It is not necessary to do expert examination on your own, this can be done after the insurance company has issued a referral to a specialized organization. If the driver independently conducts an examination, then according to the legislation of the Russian Federation, the insurance company has the right to ignore the conclusion that was issued not authorized with the insurer.
What to do after submitting documentation to the office of the insurance company?
When you have prepared all the documents and handed them over to the organization that issued the CTP insurance policy for you, then within a week you must provide the damaged vehicle for inspection and examination.
Over the next week, the insurance company will inspect your car and, if necessary, conduct a professional examination in a specialized organization. But there is a clause in the contract that if, after the inspection, the victim agrees with the proposed amount of compensation, then the examination is not necessary, you can proceed with the payment of funds.
If the insurance company does not organize an inspection and examination within 10 working days, then only then the injured car owner has the right to conduct an examination in a specialized organization on his own, and then submit the received report to the insurer.
After all these operations, the insurance company is obliged to pay a monetary amount within twenty business days according to the calculated insurance amount. Or issue a referral for repairs that will be paid by the insurer in advance. If the company decided to refuse the payment, then it must notify the victim about this within ten working days.
If you do not agree with the insurer about anything, then you have the right to sue him, but in this case you will need the help of a qualified car dealer.
A few words about CASCO
In any case, it is best to have CASCO insurance in the set of insurance policies for your vehicle. So you are guaranteed to provide high-quality repairs in case of damage at any level and you will be confident in the safety of invested funds in the car.
It is important to understand that in order to receive compensation for damage caused by the insurance company, it is necessary to properly prepare all the papers.
Today we will consider in detail what documents are needed for insurance in case of an accident in compulsory motor third-party liability insurance. The list of documents is fixed in the current legislation of the Russian Federation, relevant for the year 2020.
Be careful, try to remember all the nuances.
First, we find out what documents are needed to get insurance, drawn up directly at the scene. Traffic accident participants will need to immediately take care of getting all the necessary official papers.
Only then can you calmly, without difficulty receive all compensation, both from the insurer and from the recognized culprit of the accident.
Much will depend on the circumstances of the incident. When an accident does not have serious consequences, there are no injuries, it is important to get two key documents from the traffic police: this is certificate No. 748, as well as an administrative offense report.
The certificate must be issued to all participants in the accident, the traffic police inspectors draw it up.
There is always a risk that due to the so-called “human factor” the inspector will simply forget to give out the necessary certificate. Be sure to ask him to provide you with this paper, because the insurance company will certainly require it from you.
An Europrotocol report on an offense may also be issued. It is supposed to be given to the culprit of the accident, but at the request they will also be given to the victim.
Sometimes an accident provokes severe bodily harm, severe consequences. Then, in addition to the certificate and the protocol, they draw up:
- the result of a medical examination to detect drug and alcohol intoxication;
- protocol for checking the technical condition of machines.
Be careful, carefully check the list of documents.
Video: What documents are needed for insurance? Inspection of the car by an expert
Quite often, during a traffic accident, all kinds of controversial issues arise. Solve the problem allows an independent examination. There is a procedure for submitting documents for its implementation.
Remember the list of necessary papers:
- certificate of registration of the vehicle, the examination of which is expected;
- identity card of the person ordering the examination (passport);
- a certificate with an accident issued directly at the scene of the accident;
- service book (it is needed by those who service the car at the dealer).
Sometimes an examination is ordered by a legal entity. Then he also needs to provide proof of the cost of the car, the contract of sale in the original.
Please note: the examination makes practical sense only if, after paying insurance for repairs, more than 15% of the required amount is not enough.
You should remember what documents you need to provide to the insurance company after an accident in different cases.
Full execution of the relevant securities is a prerequisite for receiving payment under compulsory motor liability insurance. If only one document is missing, compensation will be denied.
In addition, the deadline for submitting documents to the insurance after an accident in compulsory motor third-party liability insurance is essential. It is necessary to provide a full package of securities to the insurance company within five business days, no later than. Payment will be refused if this period is violated.
Basic list
First, consider the basic list of documents, mandatory in all cases:
- certificate of accident issued by the traffic police inspector at the scene of the accident;
- traffic accident notice;
- application for compensation, insurance payment;
- administrative offense report.
There are also lists of additional securities, which are necessarily included in the package of documents in the presence of additional circumstances.
Documents for damage to property
When property damage is caused, the following papers are prepared:
- the result of an independent examination determining the damage to property;
- title documents for property;
- receipt for payment of an independent examination (provided if the insured person conducted the examination itself);
- confirmation of payment for storage of damaged property;
- vehicle evacuation document;
- other documents at the discretion of the victim (reflecting the damage caused, his forced spending).
If the innocent died in an accident, papers are presented to receive payments for burial: these are documents on expenses, as well as a death certificate.
The insurer must also reimburse associated costs - medical services, medicines. You will need:
- confirmation of payment for medicines, services;
- an official extract from the medical history;
- medical report.
A special package of papers is needed to compensate for the loss of the sole breadwinner (or loss of working capacity):
- copy of death certificate;
- application with details given by family members (dependents);
- a certificate of disability due to an accident (it is important to establish a causal relationship that it was the accident that caused the injuries and disability);
- birth certificate for the child, if he was dependent on the victim;
- confirmation that the victim needs constant care (precisely because of this accident).
Now you know what to submit documents to the insurance company for compulsory motor third-party liability insurance after an accident.
The deadline is 5 days. If the incident was in a remote area, the period is extended to 15 days.
When there are reasons for violation of the deadlines for the submission of securities, compensation can be received later. If necessary, solve the problem through the court. The limitation period for such cases is three years.