Обязательное страхование гражданской ответственности владельцев транспортных средств "ОСГОВТС"

Your actions after the сar accident

• Turn on the alarm lights
• Put a warning triangle (at a distance of 15 m in the city and 30 m outside the city).
• Call the traffic police inspector by dialing 102, if you are using a mobile phone, or one of the traffic police phones, depending on the place where the accident occurred.
• For advice, call for the insurance company "ALSKOM" by phone: (+99871) 147-11-00, (+99890) 326-09-00, (+99890) 178-51-00 and they will help you to coordinate the actions on the scene of the accident , calling the traffic police inspector, and if necessary, ambulance or tow truck.
• Write down the full name, addresses and phone numbers of witnesses to the accident.
  

What to do next

• Do not remove the car from the accident scene, do not move items related to the incident until the arrival of the traffic police inspector.
• Do not pay any money at the scene of the accident.
• Do not discuss with anyone the circumstances of the accident and the degree of guilt of the participants.
• Tell the other participant of the accident the information about your Compulsory Third Party Liability Insurance for Vehicle Owners (CICL) policy (policy number, name, address and telephone number of the insurance company).
• Get information from other participants in the accident on their policies of CICL (policy numbers, names, addresses and telephone numbers of insurance companies). Not later than 72 hours after the accident, submit to the insurance company a notice of an accident, that is, come and write a statement in the prescribed form.

If a traffic congestion has occurred on the road as a result of an accident and the movement of other vehicles has become impossible, you can free the carriageway, but only after you draw up a scheme in which, in the presence of witnesses, record the position of the vehicles at the accident site, and write down the name, addresses and phones of witnesses.

Evacuate the car from the scene of an accident only after documenting the fact of an accident by the traffic police representatives and obtaining the appropriate permission from them.

What to fill at the scene of the accident

The form of the notice of the accident along with the other participants in the incident, which is issued for the insurance together with the policy and the rules of civil liability insurance. After filling, exchange the forms between the accident participants..

Attention!

Do not forget to receive from the inspector a certificate, a copy of the protocol, the scheme of the accident, the decision on the case of an administrative offense.

Carefully ensure that all damage to the vehicle is recorded, as the payment of insurance indemnity depends on it.

Documents that are needed to receive the payment of insurance compensation

• Vehicle owner's passport and driver's passport;
• Technical passport of the car;
• CICL policy;
• Power of Attorney for driving a vehicle or waybill;
• Decision traffic police department;
• A copy of the assessment of damage to vehicles and photos;
• Driving license;
• Medical examination protocol for establishing the fact of alcohol use and intoxication;
• Application for Insurance Indemnity.

What to do next:

Provide a vehicle for inspection and damage assessment in a period not exceeding 5 working days.

After delivery and consideration of all documents, inspection of the car, and the decision of the insurer to pay the insurance indemnity, payment is made within 5 working days from the date of the decision to your bank account.

According to the rules of CICL, payment is made by bank transfer to the account you specify. To make a transfer, you need to provide your account details.

• When causing harm to the life or health of the victim, the amount of insurance compensation may not exceed 65% of the sum insured.
• When causing damage to the property of the victim, the amount of insurance compensation may not exceed 35% of the sum insured.
  

List of required details:

• The name of the bank indicating the legal form, the name of the bank branch, the city in which the bank is located;
• TIN of the beneficiary's bank;
• Beneficiary's bank account;
• Bank code;
• Beneficiary account;
• Bank card number (if any);
• Full name of the recipient (exactly as entered in the bank, because sometimes the full name in the passport and bank differ, for example, they can be written in Latin, with or without a patronymic, etc.);
• If the recipient is an individual entrepreneur (IE), then the recipient's TIN is required, in this case, when filling in the requisites in the database, the IE is necessarily indicated.