In brief: after a road accident in Russia, safety comes first. The circumstances should then be recorded through an available lawful procedure and all documents retained. An insurance claim commonly depends on the accident notice, police materials where prepared, vehicle documents and the opportunity for the insurer to inspect the damaged vehicle.
Immediate actions at the scene
- Assess the safety of those involved and call emergency services when necessary.
- Record vehicle positions, damage, road conditions and participant details.
- Use an appropriate accident-reporting method: with police involvement or without it where the statutory conditions are met.
- Do not sign documents that do not accurately reflect the circumstances.
Documents for the insurer
The injured party submits an application for insurance compensation or direct loss settlement with documents confirming the insured event. The list depends on how the accident was documented and on the claim itself. Keep copies of all documents and proof of sending them.
Vehicle inspection and assessment
Before repairs, the vehicle should be made available to the insurer for inspection as required. Do not begin restoration work before damage has been documented without understanding the effect on evidence and settlement. If the calculation is disputed, retain documents, photographs, correspondence and inspection results.
Where compensation is insufficient or refused
- Request the insurer’s reasoned position and calculation.
- Compare it with the accident and damage records.
- Send a pre-action complaint or use the applicable pre-court insurance-dispute procedure.
- Assess separately any claim against the liable driver where the issue is not covered by insurance compensation.
Official sources
The Bank of Russia explains the OSAGO process, claim documents and vehicle inspection. The appropriate route depends on the accident, insurance cover and type of loss.
OSAGO: accident steps and compensation — Bank of Russia
Electronic OSAGO claims settlement — Bank of Russia