If you are involved in a road accident, you should, Stop the means of transport to include the breakdown lane, do not move objects in relation to the incident, with the report on the part of the roadway to observe the precautions to set an emergency braking sign to warn other drivers of the danger. The sign is placed at a distance of at least 15 meters from traffic accidents in inhabited settlements and at least 30 meters beyond their boundaries.
What to do if there are victims of an accident?
If there are casualties in a road accident, you should,
- Give first aid to the victims and call the emergency doctor. In emergencies (e.g. if there is no possibility of calling an ambulance or an ambulance cannot arrive) you should send the injured person to a medical facility bypassing transport.
- Take detailed photographs or video record the scene of the accident (geolocation reference is not required).
- If your travel agency has not issued a pass to the other Vehicle Accident Management Company, you must take all possible measures to organize a diversion from the accident site, including clearing the vehicle from the roadside.
- Establish a PAF policy for other parties involved in the accident.
- Record witness contacts.
- Call your insurance company and inform them of the insurance claim. If other drivers in the country are involved in a road accident, they should also call their insurance company.
What if there are no casualties in the accident?
Issue an accident report, involving the traffic police. In this case, the traffic police personnel will go to the scene of the accident or ask to go to the nearest traffic police station or a police station. Make out an accident yourself and put it in order at the nearest traffic police station or to the Vehicle Accident Management Company. A method of recording an accident is possible if you and the other parties involved in the accident do not agree on the circumstances of the incident and for some reason you do not, you can draw an accident.
How do you draw an accident according to the European protocol?
Through integration with the RF mobile application public services portal, you can establish an accident in a simplified way, even online. If there are no victims in the road accident. Only the cars involved in the accident have been damaged. You and the second driver are registered on the existing PTC or Green Card policies issued at the time of involvement with the Car Claim Management involved in the accident. You and the second driver agreed to serve an accident without calling the traffic police.
What to do if you have filed an accident report?
Regardless of whether you are the victim or the person who caused the accident, you must report the accident to your insurance company (in person or by e-mail - as agreed with the insurer) within five days of regarding the accident. If you intend to get the damage reimbursed by the insurance company and the Vehicle Accident Management Company, you must also apply for reimbursement from the insurance company. It is not possible to repair and sell the vehicle without the written consent of the insurance company before the expiry of 15 calendar days from the day of the accident (except on public holidays).
How much damage can the insurance company cover?
If you are the person who caused the accident and you have a PTC policy, your insurance company can compensate the victim for property damage up to 400,000 dollars, and for life and health up to 500,000 dollars.
- If the damage caused exceeds this amount, the victim can go to court and claim the missing amount.
- If you are the person who caused the accident and you have a DOSAGO policy, the compensation limit of the victim's insurance may be higher, depending on the terms of the policy.
- You can take out comprehensive insurance to compensate for damage to your means of transport.
In this case, the Vehicle Accident Management Company will reimburse the damage up to the amount stated in the contract. When reporting an accident under the European protocol, the maximum limit of insurance compensation is 100 thousand dollars. If the accident occurred in London, you and the second party involved in the accident do not dispute the cause of the incident and the existence of damage, you can expect payments (or repairs) up to 400 thousand dollars.