Actions in road accidents

The traffic accident is an unpleasant event, but it is by no means rare. Fortunately, this is not always a serious accident with a fatal outcome. Much more often, an accident occurs when one car touches the other when overtaking, without fitting into a turn or leaving the parking lot. Whatever it was, traces of the accident: scratches, dents, broken headlights or more severe damage - participants will have to be liquidated. To restore an expensive car did not lay a heavy financial burden, all drivers must compulsorily make out insurance, which compensates for costs. However, to get it, you need to correctly orient in the event of an accident.

So, what to do after an accident? First of all, it is necessary to get out of the car and make sure that all the participants of the accident are alive and well. Then call the traffic police, tell them about the accident and indicate the place. If there are victims, the procedure for dealing with an accident changes: firstly, you need to call an ambulance and send the injured to the hospital, if possible, provide first aid from the car kit and only then call the traffic police. The place of the accident must be marked with the signs of the emergency installation and the appropriate signaling should be switched on, in no case can one leave or change the positions of the machines. Before the arrival of inspectors, you can photograph the position of cars on the roads, the faces of participants, license plates and traces of protectors, in general, anything that can be useful in the investigation. This is necessary in order to restore the picture of the incident, if one of the participants intends to hide evidence or even leave.

The following actions during an accident: you must call the insurance company, report the incident and listen to the instructions of the agent. And only when all the formalities are met, you can wait for the traffic police. Inspectors after the inspection fill out several documents: a protocol on the inspection of the scene, a certificate of an accident with an annex, a protocol on an administrative offense. In addition, they prepare testimony, draw a road accident scheme and compile a vehicle status report after the collision.

On the last it is necessary to dwell in more detail It is necessary to carefully monitor the actions after traffic accidents of the traffic police and, if necessary, insist on a more detailed description of the damage. For example, instead of the general phrases "hit in the back right door" you can describe "a deep dent with a rupture of metal in the rear right door, the door opening mechanism, the window regulator, the threshold is crushed, the glass is broken". Correct actions at road accident (the detailed description of damages) will help to receive from the insurance company the maximal indemnification. Employees of the inspection in the preparation of the inspection report may offer to undergo an analysis for the presence of alcohol in the blood. It must be ensured that the results, both positive and negative, are reflected in the protocol. The refusal of the examination should also be recorded.

All described actions in the event of an accident are made to obtain compensation for the insurance policy. When the formalities are met, you can file for damages. The insured under the CASCO program must provide the company with a policy, a technical passport for the car, a passport, rights, a certificate of its registration, a copy of the protocol from the accident site and a certificate from the traffic police. Citizens who are insured under the OSAGO system need to collect much less documents, especially if the amount of damage does not exceed 25,000, no one was physically injured, there are no disputes over the fault, the participants in the accident are not more than two and both have a MTPL policy. In this case, you need to show your passport and car registration certificate.