06/12/2023
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Life hack: how to quickly and correctly issue an accident
Miscellaneous / / November 25, 2021
Knowing exactly how to act in the event of an accident can help you avoid stress, additional problems and unnecessary costs.
Stop, turn on the hazard lights, get out of the car and be sure to close it. Sometimes accidents are deliberately provoked in order to pick up valuables from the passenger compartment. If the accident occurs in the evening or at night, wear a reflective vest.
Install warning triangle (reflective triangle) at a distance of 15 m in the city and from 30 m outside the city.
Assess the situation. If you or another driver, passengers or pedestrians are injured, call an ambulance and provide first aid. If more than two cars are involved in an accident, or if road objects such as poles, fences and road signs are damaged, call the police.
Take pictures and videos of the surroundings. Take shots from different angles to capture the damage as accurately as possible. Add some shots from a greater distance - this will help to reproduce the situation and assess the position of vehicles on the road.
Check Policies. It can be done on the PCA website (Russian Union of Auto Insurers). The document must have the status “is with the policyholder”.
Call the insurance company. The hotline specialists will provide a free consultation.
Establish who is to blame for the accident. If there is disagreement on this issue, you will have to call the traffic police.
Determine the extent of the damage. If there are few of them, you can draw up a Euro-protocol. It is possible when the damage to the victim's car does not exceed 400 thousand rubles and one of two conditions is met: the ERA-GLONASS system is installed on the cars or there is no disagreement between the participants of the accident about the culprit what happened. Then the document can be drawn up in the mobile application "Compulsory MTPL Assistant". However, if you fill out a printed form or argue about who is to blame, the EURO limit is RUB 100,000.
Fill out the Europrotocolif you agree to do so, you have valid policies, and the extent of damage is invested in the limit. Also, there should be no injuries or damage to road infrastructure in an accident. You need to fill in two sheets on both sides: the self-copying front side - together, the back - for each driver separately. Be sure to sign both sides. If there is not enough space, you can add "With attachment" on the form, and then take a blank sheet of paper, indicate "Attachment" at the top, add information and sign.
Call the policeif you are being pressured, threatened, or tried to convince you of guilt. It is worth waiting for the crew even if you are not sure about the amount of damage.
A motorist will help to avoid unnecessary expenses and Road map from RGS Bank. With it, you get an increased cashback: 5% on purchases in the "Auto" category and 4% - on payments at gas stations, restaurants and entertainment centers. For other purchases from 300 rubles, 0.5% cashback is charged. You can withdraw cash and replenish the Road Card without commissions at ATMs of RGS Bank and from partners.
An insurance program is available for the Roadmap "Active life». With her, you can consult a lawyer at any time of the day - this will help you quickly and correctly draw up documents after an accident, as well as a therapist and narrow-profile doctors. The program costs only 99 rubles per month, and the number of calls is not limited.
Order Roadmap
Debit card "Road card". Increased cashback 5% in the "Auto" category - auto parts and accessories, road and bridge fees, duties, car rental, car services, car washes, tire fitting (МСС 4784, 5533, 7512, 7523, 7534, 7538, 7542) when paying via Mir Pay, Apple Pay, Samsung Pay, Google Pay (hereinafter - Payment services) or in online stores, in other cases - 4%. Increased cashback 4% in the categories of gas stations - automated petrol stations, fuel (МСС 5541, 5542, 5983), "Food" - restaurants (МСС 5811, 5812) and "Entertainment" - amusement parks, buying tickets to theaters, cinemas, concerts (МСС 7832, 7922,7996) when paying through Payment services or in online stores, in other cases — 3%. Cashback 0.5% - for all other operations, except for exceptions. The maximum monthly amount of cashback payments is 3,000 rubles per month. The limit in each category: "Auto" - 1,000 rubles, "Gas stations", "Restaurants", "Entertainment" - 1,000 rubles, in the basic category - 1,000 rubles. To accrue cashback min. transaction amount - RUB 300, min. monthly trade turnover - 5,000 rubles. Specify the region and the possibility of courier delivery by phone 8 (800) 700-11-99. Information is given as of 01.03.2021.
PJSC "RGS Bank". Gene. persons. Bank of Russia No. 3073. G
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