Bank of Russia
dated September 19, 2014 N 431-P
"On the rules of compulsory insurance
civil liability
vehicle owners"

(form)

__________________________________________________________________________ (name of insurer) Application about insurance compensation or direct compensation for losses under a compulsory insurance contract civil liability of vehicle owners 1. Victim (beneficiary, representative of the beneficiary) (underline as appropriate) _____________________________________________________ (full name of the legal entity or surname, first name, patronymic of an individual) ___________________________________ _____________________________________ (date of birth of the individual) (TIN of the legal entity) ________________________________________________ _____________ ____________ (certificate of registration of the legal entity (series) (number) or identification document of an individual) Address ___________ _________________________________________ _____________ (index) (state, republic, territory, region) (district) _______________________ _______________________ _____ ________ __________ (settlement) (street) (house) (building ) (apartment) Telephone ________________________________________________________________ 2. Damaged property Owner _______________________________________________________________ (full name of the legal entity) _________________________________________________________________________ (last name, first name, patronymic of the individual) ___________________________________ _____________________________________ (date of birth of the individual) (TIN of the legal entity) _______________________________________________ _____________ ____________ Address ___________ ________________________________________ _________ (for (index) (state, republic, territory, region) (district) correspondence) _______________________ _______________________ _____ ________ __________ (settlement) (street) (house) (building) (apartment) Information about the damaged vehicle Make, model, category vehicle _________________________ Vehicle identification number __________________________ Year of manufacture of the vehicle _________________________________ Vehicle registration document ___________________________ (vehicle passport ________________________________________________________________________, vehicle registration certificate, self-propelled vehicle passport or similar document) ____________ ___________ _________________ (series) (number) (date of issue) ) State registration mark _____________________________________ Information about other damaged property Type of damaged property _______________________________________________ Type and details of the document confirming ownership of the damaged property: ________________________________________________________________________ Information about harm to life / health Person whose life / health was harmed ___________________________ (last name, first name, patronymic of the individual nature and degree of damage to health _________________________________ _________________________________________________________________________ _________________________________________________________________________ _________________________________________________________________________ _________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________ Are there additional /-\ /-\ expenses for treatment, restoration of health: yes, no \-/ \-/ /-\ /-\ Is there any lost earnings ( income): | | yes, | | no \-/ \-/ Relationship to the deceased person (degree of relationship) ____________________________ 3. Information about the insured event Date and time of the insured event: __.__.20__,__:__ Address of the place where the insured event occurred: ____________________________ ________________________________________________________________________ The driver who drove the vehicle during the use of which the damage was caused: _________________________________________________________________________ (last name, first name, patronymic of the individual ) Circumstances of the insured event: _______________________________________ _________________________________________________________________________ _________________________________________________________________________ _________________________________________________________________________ __________________________________________________________________________ ________________________________________________________________________ __________________________________________________________________________ __________________________________________________________________________ __________________________________________________________________________ 4.1. I ask you to make insurance compensation / direct compensation for losses (underline as appropriate) under the contract of compulsory insurance of civil liability of vehicle owners, series _____ N ________, issued by the insurance company _______________, by: | | organizing and paying for the restoration repair of a damaged vehicle at a service station selected from the list proposed by the insurer: __________________________________________________________________________ at ________________________________________________________________________ About the date of delivery of the repaired vehicle, please inform me in the following way (by phone, mail, e-mail): __________________________________________________________________________ or / -\ | | and by paying the cost of restoration of the damaged \-/ vehicle of the service station: Full name _____________________________________________________ Address ___________________________________________________________________ Payment details: Recipient's bank: ____________________________________________________________ Recipient's account: __________________________________________________________ Correspondent account: _________________________________________________ BIC: _____________________________________________________________________ Taxpayer Identification Number: _____________________________________________________________________ Indication of the service station not from the one proposed by the insurer The list is possible only in relation to passenger cars owned by citizens and registered in the Russian Federation, and with the consent of the insurer in writing. 4.2. I request you to make an insurance payment in the amount determined in accordance with Federal Law No. 40-FZ of April 25, 2002 “On compulsory insurance of civil liability of vehicle owners”: /-\ | | cash; \-/ or /-\ transfer by bank transfer using the following details: \-/ Recipient's name: ________________________________________________ Recipient's bank: ________________________________________________________ Recipient's account: ________________________________________________________ Correspondent account: _________________________________________________ BIC: _________________________________________________________________________ INN: _________________________________________________________________________ Clause 4.2 is filled in when making an insurance payment in case of harm life or health of the victim, as well as in the presence of the conditions provided for in paragraph 16.1 of Article 12 of the Federal Law of April 25, 2002 N 40-FZ “On compulsory insurance of civil liability of vehicle owners.” 5. I am attaching the following documents to this application:
Document ***
(copy/certified copy/original - specify)		 Qty
sheets
Identity document
document certifying the authority of the representative
beneficiary
Bank details for transferring insurance payments
Consent of guardianship authorities
Certificate of traffic accident
Notification of a traffic accident
Protocol on administrative offense, decisions on
administrative offense case
Ruling on refusal to initiate administrative proceedings
offense
In case of damage to property
Documents confirming ownership of the damaged property
property or right to insurance payment
Conclusion of an independent examination (assessment)
Documents confirming payment for the services of an expert technician
(appraiser)
Documents confirming payment for evacuation services
damaged property
Documents confirming payment for storage services
damaged property
In case of harm to life/health
Documents issued and executed by a medical organization, with
indicating the nature of the injuries and injuries received by the victim,
diagnosis and period of incapacity
Conclusion of a forensic medical examination on the degree of loss
general or professional ability to work
A certificate confirming the fact of disability or
category "disabled child"
Certificate from the ambulance station about the services provided
medical assistance at the scene of a traffic accident
Certificate or other document about average monthly earnings
(income), scholarships, pensions, benefits
Application containing information about family members of the deceased
victim
Copy of death certificate
Birth certificate of the child(ren)
Certificate from educational organization
Conclusion (certificate from a medical organization, body
social security) about the need for outside care
Certificate from the social security authority (medical
organization, local government, employment service)
that one of the parents, spouse or other family member
the deceased does not work and is busy caring for his relatives
Marriage certificate
Documents confirming funeral expenses incurred
Extract from the medical history
Documents confirming payment for the services of a medical organization
Documents confirming payment for purchased medications
Other documents
Victim (beneficiary, representative of the beneficiary) ______________ (______________________) (signature) (full name) "____"______________ 20___ (date of filling out the application) Insurer (representative of the insurer) ______________ (______________________) (signature) (full name) "____"______________ 20___ (date of receipt of application)

In Russia, direct compensation for damage began to be used only recently. The main purpose of the PVP is to simplify the process of payments under the MTPL insurance policy.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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Direct compensation for damage (or DCI) is the application of the owner of a car damaged in an accident to his insurer, bypassing the company of the at-fault party. The PES program, like , came to Russia from European legislation, with a number of amendments taking into account the specifics of the Russian legislative framework and the actual state of affairs.

It is necessary to distinguish the PES from the European protocol, because the concepts themselves differ in the scheme of their application. The European protocol is the document itself, drawn up by the participant in the accident, signed by both parties without the involvement of traffic police officers.

The claim under the European protocol is addressed to the insurer of the guilty party. The PWU operating within the framework of the MTPL policy is a rule according to which the injured party must apply for compensation for damage to the company that issued the policy to it.

In addition, the situations of applicability of the PES and the European protocol differ. Registration of the latter is possible provided that the scale of damage does not exceed the limit of 50 thousand rubles.

If this threshold is exceeded, a call to the traffic police officer is inevitable. The similarity of the European protocol with the PES is the insignificance of damage, without causing harm to the health and life of the participants in the incident.

References to the law

The provisions on direct compensation for losses were legislatively approved after amendments were made to the Law “On Compulsory Motor Liability Insurance” in 2014. This law regulates the procedure for dealing with an accident and the right of victims to contact their insurer directly, without contacting the company of the guilty party.

The right to claim compensation for harm is regulated by the provisions of Federal Law No. 40 “On Compulsory Motor Liability Insurance”.

According to the law, in order to receive compensation under compulsory motor liability insurance, the nature of the accident must meet the following parameters:

  • The cause of the accident was a collision between two vehicles (including their trailers);
  • Only those involved in the collision were recognized as injured in the accident.

If several cars were damaged as a result of a collision on the road, the claim for compensation should be addressed to the insurer of the person responsible for the accident.

Amendment to the Law dated August 2, 2014. introduces a provision on non-alternative direct compensation for losses, according to which the victim receives compensation for damages from the company that issued him the MTPL policy. This amendment applies to all policies issued after August 1, 2014, as well as to all insurance in force at that time.

Since most road accidents involve collisions between two vehicles, PPV is widely used in auto insurance.

Controversial points of such a document

Applicability criteria

The law establishes the following criteria of applicability under which direct compensation for losses is possible:

  • the nature of the accident is the interaction of two cars;
  • both participants in the accident have MTPL insurance;
  • Only these vehicles were affected by the interaction;

The presence of all three of the above conditions gives the right to file an application for direct compensation for losses under compulsory motor liability insurance. If the guilty party does not have a compulsory motor liability insurance policy, compensation for damage will be presented to him personally.

Reasons for refusal

The insurer may refuse compensation for damage under the PEL based on the following provisions:

The conditions for the application of the PES by any of the parties involved in the insured event have not been met
  • the insurer of the guilty party lost its license as of the date of application;
  • the insurance contract with the guilty party was invalid on the date of application;
  • As a result of the accident, victims were identified who suffered damage to their health or life;
  • the insurance contract with the injured party terminated at the time of the accident;
  • at the time the victim applied for a PPV, the insurer of the guilty party already had an application for compensation.
Documents regarding the insured event were not prepared properly
  • the notification of the fact of the accident was filled out by only one participant in the event (in the event that the traffic police officer was not involved in the preparation of documents in the circumstances provided for by law);
  • there is disagreement between the participants in the accident regarding the nature of the damage and its scale;
  • non-compliance with the terms of insurance regarding the validity of the insurance contract and compliance with the insured events provided for by law.
Inability to determine the guilty party Or the conviction of a person who does not have the right to use this vehicle.
Violation of the rules for obtaining insurance compensation by the injured party
  • Repairs of damaged vehicles carried out before inspection by the insurer do not allow us to prove the involvement of the damage in the insured event and determine the amount of damage due to the accident;
  • failure to provide the insurance company with damaged property for examination within the time period established by the contract.

The Civil Code stipulates the following reasons for refusal of compensation under the PES:

  • the victim did not consciously take measures to reduce his losses;
  • if the car is damaged, malicious intent on the part of the policy owner is proven;
  • the damage was caused by radiation, a nuclear explosion, military action, or popular unrest.

When to use

The PPV is used when receiving damage in an accident and submitting a claim to the insurer in the following situations:

  • civil liability of both participants is insured under MTPL;
  • the incident is not related to harm to health and concerns only damage to property;
  • there is no doubt about the guilt of both parties, and the culprit of the accident is obvious;
  • cars damaged in an accident are registered as private property and do not belong to organizations;
  • The insurer of the culprit operates within the framework of a valid license.

The possibility of applying for a PPV applies to all injured persons, regardless of whether it is indicated in the MTPL insurance policy.

Additional terms

Provided papers

To receive compensation for damage, the following documents must be submitted to the insurance company:

  • identification document of the applicant;
  • a document with information on where to send funds for compensation;
  • notification of an accident;
  • protocol and resolution on administrative violation;
  • vehicle registration documents;
  • confirmation of the right to an insurance policy (in case of renting or purchasing a leased asset);
  • results of an independent examination (if one was carried out).

A mandatory document for the insurance company in cases without calling a traffic police officer is the provision of notification of an accident, the form of which is received when drawing up a compulsory motor liability insurance agreement.

Other nuances

When applying for compensation for the PES, you should keep in mind some features:

  • There is a high probability of refusal by the insurer due to incorrect or incomplete documentation for the victims.
  • The opportunity to receive compensation in the event of a discrepancy between the person driving the vehicle and the persons specified in the insurance policy has appeared quite recently. Previously, companies refused in such situations.
  • According to the insurance rules, for the legality of applying for a PPV, only a certificate from the traffic police for force 748 is provided.
  • If the amount of damage does not exceed the amount 50 thousand rubles, and the circumstances of the accident comply with the requirements of the PWU, the damage can be registered without the involvement of police officers.

Registration of the form

An important point for successfully receiving compensation is the correct execution of the form, which must reflect the following information:

  • name of the organization that issued the policy;
  • indication of the victim’s full name, his exact address, contact telephone number;
  • information on the nature of the damage (to a vehicle, other property, life, health);
  • circumstances of the accident, indicating the date and time of the incident (data on the circumstances of the accident must be taken strictly in accordance with the information from the Certificate of Accident and notification);
  • list of organizations notified of this event;
  • information about the car of the guilty party and his personal data;
  • information about the driver at fault in the accident;
  • information on the insurance policy of the at-fault party;
  • details of the owner of the damaged vehicle;
  • information about the damaged vehicle (make, manufacturer, license plate, VIN, year of manufacture);
  • indication of the type of document for the car;
  • information about the driver who was driving the car at the time of the accident;
  • a list of other property damaged in the accident.

Where to file an application for direct compensation for losses under compulsory motor liability insurance

The procedure for obtaining a PES is simplified as much as possible. The injured party contacts the company that issued the MTPL policy, writes an application for direct compensation for losses under MTPL and attaches all the necessary documents confirming the fact of the accident and the eligibility of applying for a PPV.

An important condition for filing an application is compliance with the deadlines established for this procedure under the current MTPL agreement. After the expiration of the period specified in the contract, the company has the right to refuse payment.

Having accepted the application from the victim, the insurer inspects the car and makes a decision on the advisability of payment. Most companies complete these steps within 15 days from the moment of application.

If the victim applies for compensation to the insurance company of the culprit, then the organization that issued the policy will deny him compensation under the PWI, and from the point of view of the law, such an action is unacceptable and can be regarded as “fraud”

The principle of restitution

The procedure for obtaining a PDP after submitting an application to the insurer is as follows:

  1. The time allotted for the victim to contact the insurance company is 5 days. All necessary documents and application can be submitted in person at the company’s office, or sent by registered mail with notification.
  2. To receive compensation, the applicant must provide his car to the company for inspection. The examination is carried out by an insurance company appraiser or an independent expert. The applicant acquires the right to independently select an expert and conduct an assessment if the insurer has not completed the necessary actions within the established time frame.
  3. The applicant has the right to choose the method of obtaining a PPV: funds for repairs or performing the repair work itself at the service of the insurer.
  4. The fulfillment of obligations under the PES is allocated 20 working days from the moment the insurer receives the application and all necessary documents.
  5. If the company has not fulfilled its obligations within the specified period, the applicant has the right to recover from the company 1% on the amount of the insured amount.
  6. If the company does not promptly notify of the refusal to pay, the applicant has the right to recover 0,05% from the amount of compensation.
  7. In cases where the maximum payment limit under compulsory motor liability insurance is not enough to cover the damage, the difference is compensated by the guilty party.

Direct compensation for losses under compulsory motor liability insurance is the possibility of contacting the insurance company where the policy was issued, and not the company of the person responsible for the accident.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Changes in legislation were made in 2014; before that time, the injured party had to visit the company where the second party to the accident was insured.

The innovation has simplified the process of receiving compensation, but in order to receive payment, you will need to write an application and follow the application procedure.

What data is needed

Direct compensation for losses is possible if several conditions are met:

  • The accident occurred with the participation of two cars (if each car had a trailer, then two participants in the accident are considered);
  • both drivers have a valid one;
  • the fault of one of the drivers has been established by mutual decision (if the participants in the accident believe that both are to blame, then no payment will be made to anyone);
  • no people were injured in the accident;
  • the insurance company is not deprived of the right to carry out insurance activities.

When contacting an insurance company, you will need to have the following information:

  • the exact time of the accident;
  • Full name of the person responsible for the accident;
  • information about the damaged vehicle;
  • types and amounts of damage.

The victim must notify within 5 days. This can be done in person or by telephone to the supervising insurance agent. He will tell you in detail about the necessary documents and rules for receiving insurance compensation.

The deadlines within which to complete the application and required certificates will also be announced. If a car owner has questions, they must be voiced immediately, before collecting documents.

Form

You can obtain the document form and information on how to correctly fill out the application from the insurance company.

It is important to correctly enter all the necessary information to avoid errors and the need for repeated applications.

The document must contain information:

  • the full name of the insurance company where the application is being submitted (you can write it off from the insurance policy or ask the agent for the full name of the company);
  • Full name, registration address of the applicant (policy owner and person injured in the accident);
  • if the application is submitted by an authorized person, then his data;
  • complete information about the traffic accident: date, time, place, circumstances of the accident, etc.;
  • information about the car and the driver of the other party (the culprit of the accident);
  • information about the damaged property;
  • Full name and signature of the employee who accepted the application, date;
  • Full name and signature of the applicant, date of application.

Additionally, an act of acceptance and transfer of documents is drawn up. It is necessary to prove your application to the insurance company. If the insurer delays payments, this document is attached to the lawsuit.

An insurance company employee can make notes on the report if there are nuances of the accident or if the required document is not available for a good reason.

The report is submitted to the insurance company upon receipt of notification of the decision of the PES. The applicant is given his documents previously submitted for consideration (except for the application and certificates).

Sample of filling out an application for direct compensation of losses under OSAGO

Let's look at an example of how to fill out an application for a PES.

When filling out the application, you must be guided by the provided sample. No blots or errors are allowed, only reliable information is entered.

It is important to understand that the fact that an application has been accepted does not guarantee a positive decision on payment. If, when reviewing the documents, inaccuracies or errors are discovered, the application procedure will have to be repeated.

You can ask an insurance company employee for an example of filling out an application for direct compensation for losses under compulsory motor liability insurance.

What documents should I attach?

A list of documents required to receive insurance payment is provided upon initial contact with the insurance company.

It includes:

  • , the form is issued when applying for a policy from the insurance company. The document is filled out by both participants in the accident, all aspects of the accident and nuances are indicated;
  • , provided that traffic police officers were present at the scene of the accident and documented the incident;
  • a document certifying the ownership of the vehicle (PTS or certificate of registration of ownership);
  • driver's passport and its copy;
  • the applicant's driver's license, its copy;
  • if the application is submitted by an authorized person, then identification documents and a notarized power of attorney will be required;
  • if the accident occurred with the participation of a legal entity’s car, then you will need to provide a waybill, which was issued by the dispatch service before departure on the flight;
  • if the scene of the accident was registered independently, without the participation of traffic police officers;
  • a protocol drawn up by the traffic police on an administrative offense that caused the collision;
  • a resolution from the traffic police on the factors that influenced the incident;
  • refusal to initiate proceedings on the fact of an administrative offense.

All listed documents are accepted according to the act that was mentioned earlier. A list of references and provided copies must be indicated.

The insurance company reserves the right to require other documents if necessary.

If the policyholder believes that the insurer is evading its obligations by making illegal claims, the matter is resolved in court.

Where to submit

The completed application and documents are submitted to the insurance company of the injured party. The insurer has the right to require the car to be inspected to assess the damage and conduct an independent examination necessary to determine the amount of damage.

The injured person's insurance company can demand the amount of compensation paid from the at-fault party's insurance company. This action is called subrogation and does not affect the process of reimbursement of expenses to the policyholder.

In some cases, filing a claim with the at-fault party's insurance company is acceptable. If this happens, then it is not allowed to repeatedly request compensation for one insured event through your insurer. Payment can only be made once.

Direct indemnity involves obtaining compensation through the injured party's insurer. This is the easiest way to settle losses.

Direct compensation for losses is not allowed in the following situations:

  • non-compliance with the terms of the law, violation of the rules of insurance of compulsory motor liability insurance;
  • the incident was documented according to the European Protocol and mistakes were made;
  • disagreements arose between the participants in the accident and they did not decide on their own who was responsible for the accident;
  • the accident occurred as a result of competitions or driving lessons, which does not apply to insured events, so direct compensation for losses is impossible;
  • if the company was notified of the occurrence of an insured event later than the established deadlines;
  • the issue of who is responsible for the accident is resolved in court;
  • the injured driver’s insurance company went bankrupt or lost its license to provide compulsory motor liability insurance services;
  • In the accident, people were injured or more than 2 cars were involved.

In these cases, the issue of compensation for losses is resolved through the RSA or the court. To do this, you will need to prepare the documents listed earlier and contact higher authorities to receive compensation for car repairs.

Terms of consideration

After submitting the documents and completing the application, the insurer is given 15 days to conduct an examination and assess the damage.

During this period, the insurance company must decide on the amount of compensation payment. If there are grounds, the policyholder is given a refusal.

Within 30 days from the date of receipt of the refusal from the insurance company, the applicant may go to court to appeal the decision.

To do this, a statement of claim is drawn up and documents indicating the occurrence of an insured event are attached. You will also need to attach a written refusal to make the payment.

It is important to remember that if the insurer denies compensation for damage, it must issue a document stating the reasons.

It is not allowed to render a verdict over the phone or without justifying disagreement with the applicant. In this case, the policyholder must contact the insurance company again to obtain this document.

As for the policyholder himself, he is obliged to write a statement of PPV within 5 days from the date of the incident. An extension of the deadline is possible for valid reasons (for example, the applicant is sick or is in another city).

The year 2014 was marked by another innovation for insurers and policyholders. The changes affected compulsory car insurance. A rule has appeared in the legislation that allows a citizen who has suffered damage, both material and health, to compensate for his losses directly, i.e., to use the so-called DCP (direct compensation for losses).

To do this, it is enough to contact your insurer, and not the insurance company of the culprit, as the law previously required. Thus, the time allotted for payment of compensation is significantly reduced.

How to properly take advantage of this opportunity and receive compensation from your insurer? To obtain a PPV, you need to contact your insurance company with a written application, of course. You should not delay, since any delay in filing an application reduces your chances of receiving compensation.

The document has the following structure and contains:

  • Name of the insurer. It is clear that we are talking about the organization to which the application is being submitted. The name must be accurate; if you don’t remember something, take the data in the contract or policy;
  • Full name of the policyholder, his address;
  • If your representative acts on your behalf (submits an application signed by you, receives a payment), then his full details (full name, address);
  • Full description of the incident. It is necessary to indicate when it happened, i.e. place, date, time, what exactly was damaged (property, people). Be sure to list all the circumstances of the past. The picture must be complete. Remember that PVU is paid only if the damage was caused by vehicles;
  • Next, you need to indicate all the data that relates to the guilty party: information about the car, the driver responsible for the incident;
  • Information about the victim, his property;
  • Identification, study, assessment of damage. This refers to the procedure for inspecting a vehicle;
  • Marks (at the conclusion of the document after the applicant’s signature) about when and by whom the application was accepted (date, time, recipient’s signature).

After the application is submitted and accepted, you need to receive an act (acceptance certificate) or a receipt for receipt of documents from the insurer’s representative.

It should contain the following points:

  • List of documents accepted by the insurer;
  • Details of the victim. They will be needed when receiving payments;
  • Marks indicating that documents have been accepted for consideration;
  • Additional Information. This item is completed by a representative of the insurer, if necessary.

Important! The application and other documents attached to it must be reliable and contain only accurate and truthful information. Marks in documents are not allowed. All fields are filled out without distortion, corrections, and legibly. Otherwise, compensation may be denied.

Documents for an application to the insurance company for compensation of losses under compulsory motor liability insurance

The application for compensation for damage incurred is accompanied by the following documents, which are its integral part.

The package of documents must include:

  • accident notification. The form of this document is issued by the insurer when drawing up a contract and receiving a motor vehicle policy. It is filled out by both parties to the accident. The document describes the accident, all its aspects, lists the damage received as a result of the incident;
  • If traffic police officers were present at the scene of the accident and conducted an investigation into the incident, then a certificate from the State Traffic Inspectorate (F-748) is also attached to the application. This certificate duplicates the notice, since it sets out all the circumstances of the collision;
  • Copies of vehicle registration certificate, PTS. That is, those documents that indicate the victim’s ownership of the damaged car;
  • Copies of the passport (other document proving the identity of the victim), driver’s license. If his representative acts on behalf of the victim, then a power of attorney is provided in his name (notarized), allowing him to act in the interests of the policyholder;
  • If the accident involved a car that is owned by any legal entity, the package of documents also includes a waybill received by the driver at the dispatch center of this legal entity. The sheet must indicate the route prescribed for vehicles.

In the event that traffic police officers were also present at the scene of the accident, materials from the traffic police department, copies of protocols drawn up by employees, and decisions on this case will also be required. The entire package of documents is submitted to the insurer.

Where to submit an application for compensation for damages under compulsory motor liability insurance

A package of prepared documents is submitted to the insurer with whom the victim has an agreement within the established time frame (either by law or specified in the current agreement). If an application for payment is submitted after the end of the established period, the insurer has the right to refuse compensation. Unless, of course, the violation of the deadline is agreed upon with him.

After the application is accepted, the insurer inspects and assesses the damage incurred. Then he makes a decision: to pay compensation or refuse payment. Duration – 15 days and no more.

The insurer has the right to compensate for its losses at the expense of the company responsible for the accident. This process is called subrogation. This will not affect the victim's compensation in any way.

Important! You will not be able to receive compensation twice. It is unacceptable to receive compensation from both your insurer and the insurer of the person responsible for the accident.

In essence, this is fraud and law enforcement agencies will consider such an act as a criminal offense with all the ensuing consequences (criminal prosecution, and possible trial).

The introduction of a PWU helps reduce the time for reviewing, assessing damage, and receiving payments in case of a minor accident.

If the documents are drawn up correctly, payment can be received within 3 to 8 days. This period largely depends on what rules are established by the victim’s insurer.

Direct compensation for losses under compulsory motor liability insurance is a special procedure that allows you to receive financial compensation for the repair of a vehicle damaged in an accident. The funds are allocated by the insurance company that services the owner of the damaged car.

This procedure allows you to:

Conditions of use

You can receive compensation from the insurance company with which you took out MTPL in accordance with Federal Law No. 40, Article 14.1: Direct compensation for losses (DLP) is possible if the following conditions are met:

  1. Only 2 vehicles were involved in the accident. Please note that a trailer is not a separate vehicle. If the car is equipped with a trailer, then it is one vehicle.
  2. Each participant in an accident has a valid compulsory civil insurance policy. If one of the drivers does not have an insurance policy or its validity has expired, then the losses caused as a result of the accident are compensated by the culprit of the accident in pre-trial or judicial proceedings.
  3. As a result of the accident, only vehicles were damaged. No people were injured, and no other property was damaged.

If a victim in an accident filed an application for direct compensation for losses, but after a certain time he began to have health problems associated with the accident, then he can demand additional compensation from the insurance company of the culprit.

Attention! The insurer providing direct compensation for losses has the right to reimburse the costs incurred at the expense of the insurance company of the party responsible for the accident.

When can you count?

The insurance company may refuse the policyholder for the following reasons:

Most car owners, when an insured event occurs, prefer to contact “their” insurance companies (you can find out more about what an insured event is). This way, you can significantly save time on processing road accidents.

The mechanism for receiving payment according to the rules of the PES

Statement

The first step is to submit an application to the insurance company in writing. A form for such an application is issued at the insurer's office.

The application contains:

  1. The name of the insurance company where the application is being submitted. This data is taken from the insurance policy.
  2. Full name and address of the injured party (insurance owner).
  3. If it is planned to receive compensation for damage not from the owner, but from the principal, then the principal’s details are written down.
  4. Information about a traffic accident: time, date and location of the accident. The damaged property and the circumstances of the accident are described. When describing the circumstances of the accident, we should not forget that direct compensation for losses is only possible if the car was damaged.
  5. Details of the vehicle and the driver who caused the accident.
  6. Information about the injured party and property.
  7. The procedure for inspecting a vehicle to identify damage caused.
  8. Marks indicating that the application has been submitted and accepted.

In addition to the application, a list of required documents is attached.

Must be indicated:

  • list of attached documents;
  • details of the injured party to receive money;
  • marks indicating that all documents have been accepted;
  • additional information, it is filled out by an employee of the insurer.

When filling out an application, the information must be genuine. Everything is written legibly, blots and corrections are unacceptable.

You can find out more about how to submit an application to an insurance company for compensation under MTPL.

Set of necessary documents

An application for compensation for direct damage is submitted to the insurance company with a package of documents proving the circumstances of the road accident.

Required documents:

  1. Notification of a traffic accident. This document is issued by the insurer when an insurance contract is concluded. The notice must be filled out by all parties to the accident on the road; it reflects all the circumstances of the accident and the existing damage.
  2. If traffic police officers take part in the investigation of an accident, then a certificate in form 748 is required. The certificate, together with the notice, reflects all the circumstances of the accident.
  3. To confirm ownership of the damaged car, copies of title documents are attached. You can attach a certificate of registration or PTS.
  4. The identity of the person applying for compensation must be confirmed. You will also need a copy of your driver's license. If receiving compensation is not the owner of the vehicle, but his authorized representative, then a notarized power of attorney is required.
  5. If a car belonging to a legal entity was involved in an accident, then a waybill is needed. The waybill is issued by the organization's dispatcher; it certifies the route of the vehicle.

If traffic police officers are called to the scene, additional documents are needed:

  • a protocol on the administrative offense that caused the collision;
  • a resolution on an administrative offense, which specifies all the available factors;
  • refusal to initiate a criminal case on the fact of a traffic accident.

Referral for independent examination

The amount of compensation to cover the damage is calculated by a specialist from an independent expert company.

The insurance company selects the expert organization.

But, if the injured party does not agree with the results of the examination, he can conduct a repeat examination at our own expense. A referral for an independent examination is written due to dissatisfaction with the results of the examination carried out by the experts of the insurance company.

You can find out more about how to get money under compulsory motor liability insurance after an accident, and you can read in more detail about compensation for losses after an accident and the recovery of moral and material damage from the culprit of the accident in.

What to do if the insurance company refuses?

If the insurance company unreasonably refused direct compensation for losses under compulsory motor liability insurance, the first step is to file a pre-trial claim. It is submitted to the insurance company, if the document is drawn up correctly, the insurer’s management sees that the policyholder is determined and often fulfills his payment obligations.

All costs incurred as a result of the trial, when a decision is made in favor of the policyholder, are reimbursed by the insurer.

Liability for failure to fulfill obligations

Liability for failure to fulfill obligations is regulated by Article 16.1 of the Federal Law “On Compulsory Motor Liability Insurance”. According to the article, the policyholder sends the insurer a claim with justified requirements, which must be considered within 10 working days.

If a driver is involved in an accident, it is recommended to notify your insurance company via the hotline as soon as possible. If the conditions of the accident comply with the conditions of direct payment, all the actions of the car owner are competent, and there is a valid agreement on mandatory civil liability, then there should be no problems.

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