How to act in case of an accident. Algorithm recommended by MTIBU?

Diyi osib u razi nastannya dorozhnʹo-transportnoyi pryhody (DTP)

DTP mozhe buty pidstavoyu dlya zdiysnennya strakhovoho vidshkoduvannya, vyznacheni u statti 33 Zakonu Ukrayiny «Pro obovʺyazkove strakhuvannya tsyvilʹno-pravovoyi vidpovidalʹnosti vlasnykiv nazemnykh transportnykh zasobiv». Zokrema, uchasnyky DTP zobovʺyazani:

1. Terminovo povidomyty pro DTP vidpovidnyy pidrozdil Natsionalʹnoyi politsiyi Ukrayiny;

2. Proinformuvaty odyn odnoho pro sebe, svoye mistse prozhyvannya, nazvu ta mistseznakhodzhennya strakhovyka ta nadaty vidomosti pro vidpovidni strakhovi polisy;

3. Vzhyty vsikh mozhlyvykh zakhodiv z metoyu zapobihannya chy zmenshennya podalʹshoyi shkody;

4. Nevidkladno (ne piznishe trʹokh robochykh dniv z dnya nastannya DTP) pysʹmovo nadaty strakhovyku, z yakym ukladeno dohovir obovʺyazkovoho strakhuvannya tsyvilʹno-pravovoyi vidpovidalʹnosti abo u vypadkakh, peredbachenykh statteyu 41 Zakonu pro avtotsyvilʹnu vidpovidalʹnistʹ, - MT·SBU, povidomlennya pro DTP, a takozh vidomosti pro mistseznakhodzhennya svoho transportnoho zasobu ta poshkodzhenoho mayna, kontaktnyy telefon ta svoyu adresu. Yakshcho vodiy transportnoho zasobu z povazhnykh prychyn ne mav zmohy vykonaty zaznachenyy obovʺyazok, vin maye pidtverdyty tse dokumentalʹno.

Yakshcho bez povazhnykh prychyn ne povidomyty svoho strakhovyka pro nastannya DTP u trydennyy termin, to pislya vidshkoduvannya zbytkiv, zapodiyanykh tretiy osobi, strakhovyk maye pravo vymahaty vid svoho strakhuvalʹnyka kompensatsiyi ponesenykh vytrat.

Pid chas oformlennya dokumentiv pro dorozhnʹo-transportnu pryhodu vidpovidnyy pidrozdil Natsionalʹnoyi politsiyi Ukrayiny vstanovlyuye ta fiksuye neobkhidni vidomosti shchodo obovʺyazkovoho strakhuvannya tsyvilʹno-pravovoyi vidpovidalʹnosti uchasnykiv tsiyeyi pryhody.

U razi nastannya DTP za uchastyu lyshe zabezpechenykh transportnykh zasobiv (vodiyi yakykh mayutʹ diyuchi polisy obovʺyazkovoho strakhuvannya), za umovy: -vidsutnosti travmovanykh (zahyblykh) lyudey;
-z·hody vodiyiv tsykh transportnykh zasobiv shchodo obstavyn yiyi skoyennya;
-vidsutnosti u nykh oznak alkoholʹnoho, narkotychnoho chy inshoho sp'yaninnya abo perebuvannya pid vplyvom likarsʹkykh preparativ, shcho znyzhuyutʹ uvahu ta shvydkistʹ reaktsiyi;
-tsi vodiyi mayutʹ pravo spilʹno sklasty povidomlennya pro DTP (yevroprotokol) Pislya skladennya yevroprotokolu vodiyi mayutʹ pravo zalyshyty mistse DTP ta zvilʹnyayutʹsya vid obovʺyazku informuvaty vidpovidnyy pidrozdil Natsionalʹnoyi politsiyi Ukrayiny pro yiyi nastannya.

Oformyty elektronnyy yevroprotokol mozhna tut (https://dtp.mtsbu.ua).
U razi oformlennya dokumentiv pro dorozhnʹo-transportnu pryhodu bez uchasti vidpovidnoho pidrozdilu Natsionalʹnoyi politsiyi Ukrayiny, rozmir strakhovoyi vyplaty za shkodu, zapodiyanu maynu poterpilykh, ne mozhe perevyshchuvaty 50 000 hrn. (zaznachenyy limit vprovadzhenyy z lyutoho 2016 roku vidpovidno do Rozporyadzhennya Natskomfinposluh vid 29.12.2015 №3741).
Z 21 veresnya 2019 roku strakhovi sumy za vnutrishnimy dohovoramy obovʺyazkovoho strakhuvannya tsyvilʹno-pravovoyi vidpovidalʹnosti vidpovidno do Rozporyadzhennya Natskomfinposluh vid 09.04.2019 №538, vstanovleni u rozmiri:
-za shkodu, zapodiyanu zhyttyu ta zdorovʺyu - 260 000 hrn. na odnoho poterpiloho, nezalezhno vid kilʹkosti poterpilykh;
-za shkodu, zapodiyanu maynu poterpilykh - 130 000 hrn. na odnoho poterpiloho, ale ne bilʹshe 650 000 hrn. na odnu strakhovu podiyu.

Actions of persons in case of a traffic accident

Accident may be the basis for insurance compensation, defined in Article 33 of the Law of Ukraine 'On Compulsory Insurance of Civil Liability of Owners of Land Vehicles'. In particular, the participants of the accident are obliged to:

1. Urgently report the accident to the relevant unit of the National Police of Ukraine;

2. Inform each other about yourself, your place of residence, name and location of the insurer and provide information about the relevant insurance policies;

3. Take all possible measures to prevent or reduce further harm;

4. Immediately (no later than three working days from the date of the accident) in writing to the insurer with which the contract of compulsory civil liability insurance or in cases provided for in Article 41 of the Law on Motor Third Party Liability - MTIBU, notification of the accident and information about the location of your vehicle and damaged property, contact phone number and your address. If the driver of the vehicle has not been able to perform this duty for good reasons, he must document this.

If, without good reason, you do not notify your insurer of the accident within three days, then after compensation for damages caused to a third party, the insurer has the right to demand from his policyholder compensation for expenses incurred.

During the preparation of documents on the accident, the relevant unit of the National Police of Ukraine establishes and records the necessary information on the compulsory insurance of civil liability of the participants in the accident.

In the event of an accident involving only secured vehicles (drivers of which have valid compulsory insurance policies), provided:-absence of injured (dead) people;
-consent of the drivers of these vehicles on the circumstances of its commission;
-the absence of signs of alcohol, drugs or other intoxication or being under the influence of drugs that reduce attention and speed of reaction;-these drivers have the right to jointly draw up a report on the accident (European protocol) After drawing up the European protocol, drivers have the right to leave the scene of the accident and are released from the obligation to inform the relevant unit of the National Police of Ukraine.

You can draw up an electronic European protocol here (https://dtp.mtsbu.ua).
In the case of registration of documents on a