Nobody is insured against participation in the accident, but each driver should be prepared for a similar incident. Insurers provide motorists the opportunity to solve the problem without departure of traffic police officers to the scene. For this, the participants of the accident just fill the Europrotokol and present his insurance company within the prescribed period. About this further in the article.

Europrotokol what it is

The European Protocol (that is, Europrotokol) is a special notice form that allows for specific conditions to register an accident without exiting the traffic police workers. Europrotokol is provided to the Insured when executing the OSAGO policy. Under the conditions of correctly filling out the document, the insurance company undertakes to compensate the damage to the affected side within the limit on the automotive insurance policy.

The insurance contract must necessarily indicate the requirements for the insurance company in the design of the European Protocol. Another indicates the amount, deadlines and procedure for compensation for damage to the affected party. It is worth noting that if the car took part in the accident and, accordingly, the driver from another state, he must have an insurance policy called the Green Card. In such a situation, the blank-notification issued by the Russian insurer is filled. Green Card guarantees the affected side to pay insurance compensation.

The principle of interaction between car owners is quite simple: Drivers fill the drivers at an accident, record damage with a camera or a mobile phone, after which they can leave the scene. It gives car owners the opportunity to save time, since there is no need to cause traffic police workers to fix the accident. The culprit of the accident, violating the rules of the road, in this case can avoid the need to compensate for the damage to the victim, since the insurance event has come.

When Europrotokol cannot be executed

Below you can familiarize yourself with the table of the conditions for the design of Europrotokol.

Europrotokol registration rules 2017

• The form you need to fill out with a simple blue ballpoint handle, not a pencil and non-gel paste. Write as picking as possible, preferably printed letters.
• At the Europropol form, the corrections are unacceptable, so it is desirable to first fill the draft version on any sheet or notepad, and only then transfer information to the document.
  
• If one form was spoiled, use the forms of another participant in the accident.
• If the form is not enough to display all the data, write applications on a separate paper, however, in the notice itself, you must specify that the additions are noted on a separate sheet. Also there should be both participants in the accident.
• If, after filling out the notice, edits were made, they should be certified by both participants in the accident.
• It is possible to separate the sheets of Europrotokol only after filling out all the information and signing the document with both participants in the incident.
  
• The insurer will not pay insurance if the protocol sheets are different. It is advisable to check the correctness of the form several times. Any error in Europrotokol is the basis for the insurance company to refuse the victim in the payment.

Policy Camera why it can be false how to check

Recently, the fake insurance policies of the CTP are increasingly discovered in the turn, and the most of them "pop up" during the accident. It is worth noting that not always the owner of the fake knows that his policy is a worthless piece of paper, the use of which can lead to criminal liability.

To the category of fictitious papers include such categories of documents:

1. Flap double. Series, "Poster" to the insurance company, press, the number is all valid, but for one contract - two owners at the same time.
2. Policy with changes. For example, if the end date is changed or the start of validity.
3. Fake blank. This is the most real "Lipa". The number can coincide with the real number of the policy shipped to some insurance company in any region.
4. Re-sold policy. At the end of its term in one region, the Polis can "emerge" in another or the same as completely clean.
5. The policy of the insurance company gone from the market, issued after its exit from the OSAGO system. According to the law, such forms should be removed from the turnover, however, as practice is evidenced, they are delayed in the market for a long time.

On the eye, you can define only the first kind of fakes. All others are usually no different from the real. Moreover, half of them are real documents, simply not having a legal force. When applying real numbers with correct "assistent", even a system check on the PCA website will not help. The fake is revealed during the excitement of the payment after attentive checking the information of all sides of the accident.

Europrotokol design gradno

An accident notice is filled together with the second participant in the incident. In the header of the form contains general information about the accident:

• The address where the accident occurred.
• Day and time of events.
• Number of broken cars and affected people.
  
• Information was broken some other property except for cars.
• Name, surname and patronymic of witnesses (if available).
• Information about traffic police officers if they arrived at the accident site.

Next, the second part of the alarm notification is filled, containing information about cars. Each car owner fills his column, where indicates:

1. Model and car brand.
2. Identification factory vehicle number.
3. State registration sign.
4. The number and series of the certificate of registration of the car.
5. Information about the owner of the car and its address of living.
6. Details about the driver, his date of birth and the address of the residence.
7. The number and series of a driver's license.
8. Cell phone number of the driver.
9. The validity period and the OSAGO policy number, the name of the insurance company.
10. Circumstances of the accident.
11. List of damage applied cars.

The accuracy of this information is confirmed by the signatures of the participants of the accident. Then in the lower part of the form draws a DTP scheme that drivers also assure their signatures.

When the facial part of the Europrotokol is filled, the self-copying form is divided and each participant has an accident remains its instance. The opposite side of motorists fill on their own. Here, it should be described as fully as possible that the insurance company does not have any questions about how cars received damage.

The design of the notice begins with the description of the circumstances of this event and information about who was driving the car at the time of the accident. Paragraphs 4 and 5 indicate information about damage to the accident of another property. However, as mentioned earlier, during the preparation of Europrotokol, in addition to two cars, it cannot be damaged, otherwise an accident must be fixed in the traffic police.

Already at the end of filling out the form of notice, it is necessary to note in the pole paragraph, whether the vehicle moves independently and its address of the location, if the car is not on the drive.

For which time it is necessary to notify your insurance company

In the insurance company, you must contact within five working days after the accident, otherwise the insurer may refuse to compensate for damage.

Tips Prof.

Undoubtedly, the accident is a stress of any, even a very experienced car owner. The design of an accident without traffic police with the help of Europrotokol will give the opportunity to avoid unnecessary unrest and without any problems to receive insurance payment, as well as save the time of the participants in the incident to expect traffic police.