I got into an accident, I am the culprit - procedure

Publication date: 03/04/2019 Number of views: 5858

Author: Ermakov Andrey Valerievich Lawyer, partner of the Legal Agency of St. Petersburg Articles written: 20

The situation when an insurance company files a lawsuit against the culprit of an accident in order to recover material damage based on the compensation paid to the injured party is becoming more and more common every year. If previously relatively little-known organizations that had close ties with collection agencies committed similar sins, today you can get a claim for subrogation or recourse from almost any insurance company. Recently, there has been increased activity on the part of the insurance company, which is trying to compensate for its losses under CASCO or OSAGO contracts by filing lawsuits against those responsible for the accident. There is a trend: if the accident occurred in 2015 or 2021 (the statute of limitations is about to expire), and the amount of paid material damage exceeds 100-120 thousand rubles, you can expect a quick summons from the court. There are many explanations for this: the unstable economic situation in the country, a sharply increased number of vehicles, competition in the market, tightening legislation in the field of insurance companies. In order to somehow preserve their assets and not become bankrupt, they are forced to resort to subrogation and recourse claims. What to do if the insurance company sues the person responsible for the accident, what is the difference between recourse and subrogation, is it possible to reduce the amount of payments for a lawsuit and how to protect your property rights? Answers to these and related questions are provided by professional lawyers in the field of insurance law and civil law.

Conflict resolution by agreement of two parties

What to do if you do not have MTPL insurance. It is possible to resolve the problem by agreement of the two parties, without further litigation. This can happen if the damage caused to the car is minimal, there can be no hidden damage, the victims can independently determine the cost of repairs, both come to an agreement that it is easier for them to immediately agree peacefully and disperse.

According to Article No. 1064 of the Civil Code of the Russian Federation, losses caused in an accident are subject to full compensation for those responsible for this accident. Therefore, it is necessary, in the absence of an insurance policy, to be prepared to compensate for the restoration of the damaged car yourself. In addition, it will be mandatory to pay a fine for not having an MTPL insurance policy and driving a vehicle without insurance; claims for compensation for moral damages will be possible.

The best option is to pay the amount of compensation directly at the scene of the incident, but sometimes the culprit does not have the required amount of money, and he asks to wait and pay the money after some time. A person injured in an accident can take some valuable thing as collateral. All actions must be reflected in the receipt.

IMPORTANT !!! The passport of the perpetrator is not taken as collateral, because such an act is a gross violation of the law and is subject to criminal punishment.

If the victim cannot determine the cost of repair work, the cost of repair is determined by experts. An assessment of the damage caused can be done at a service station or independent experts. When receiving funds as compensation for restoring the damaged vehicle, the victim must write a receipt confirming receipt of the funds. To avoid further disputes, the entire process of contract and payment, writing the receipt should be recorded on video, or the DVR should be left on.

There is such a situation. There is more than one driver included in the OSAGO insurance policy for this car, and the car involved in the accident was driven by a driver who was not included in the policy. This situation is equivalent to the absence of a policy, but the OSAGO insurance company is obliged to make cash payments. If the culprit refuses to pay the amount for the restoration of the car, you must complete all the necessary documents within the established time frame and contact the insurance company or further to the courts.

If your insurance has expired

What to do if a citizen does not have a valid compulsory motor liability insurance policy?

If a citizen at fault for a traffic accident does not have a valid compulsory motor liability insurance policy, he will have to pay compensation to the victims at his own expense.

In addition, the citizen will be held administratively liable.

If the victim of a traffic accident has a valid compulsory motor liability insurance policy, but did not have the policy at the time of the accident, the citizen will also be held administratively liable.

Pre-trial claim

The second option is a pre-trial claim. This is done in the absence of a compulsory motor liability insurance policy and it is impossible to reach an agreement peacefully, by agreement of the two parties. Pre-trial proceedings are underway. An inspection employee records the fact of the accident. When drawing up a report at the scene of a traffic accident, information about the absence of an insurance policy at the perpetrator must be recorded.

The victim himself, without fail, retains information about the person responsible for the accident:

• Surname and initials,
• Place of registration and place of residence,
• Contact number.

In addition to recording the data of the person at fault in the accident, in order to file a pre-trial claim, it is necessary to prepare the following documents.

1. An independent examination report, which provides a detailed description of all, even if there is hidden damage to the car. A calculation is made of the amount of money needed to restore the car, that is, a calculation of the damage caused. In addition to the report on the examination, copies of permitting documents for the activities carried out by this organization, for example, a license, etc., must be attached. The cost of the examination is from 2000 to 7000 rubles.
2. In the event that damage is received as a result of which the machine cannot be restored, a report of lost marketable value is compiled. The cost of preparing such a report is 5,000 rubles.
3. Filing a pre-trial claim against the culprit of an accident without a compulsory motor liability insurance policy, the cost of filing a claim is 5,000 rubles. The claim can also be made by the victim himself. The document describes in detail the directions of movement of vehicles, the exact location of the accident, the time and date of the accident, and all related circumstances. But each point of the claim is supplemented with quotes from legislative documents and excerpts from an expert report on the calculation of damage caused. All this data must be consistent with the protocol from the scene of the accident drawn up by the traffic police officer, so it is important when drawing up the protocol to control what data is entered into the protocol. The final appeal shall indicate the amount of monetary compensation to be reimbursed. But, this amount may be greater than the amount indicated in the independent examination report, because it may contain an amount consisting of money spent on payment for the services of a technical service (tow truck), payment for car parking, payment for an expert assessment, payment for legal services, and the amount of moral damage.

To file a pre-trial claim, you must prepare a package of documents for the claim itself, which includes:

• A copy of the certificate from the traffic police about the incident.
• A copy of the resolution on the recorded offense.
• Letter notifying of an independent examination.
• Letter of invitation to visit.
• Copies of documents for the car
• A report with an expert assessment by an independent expert on the damage caused.
• Cash documents that can confirm the cash expenses for restoring the car.

All copies necessary for further proceedings are made and certified at the scene of the accident by traffic police officers who draw up a report on the incident.

ATTENTION !!! The completed claim letter should be sent to the postal address of the person responsible for the incident, in the form of registered mail with a return notification of receipt. Postage checks and receipts are retained. If the claim letter does not help to recover the amount of damage, you should draw up a statement of claim to submit to the courts.

In addition to information about the person responsible for the accident and the calculation of the amount of compensation for the restoration of the damaged car, information about the victim, contact phone numbers, postal address and email addresses are included. In addition, the time allotted for resolving the issue without trial is indicated. You should take advantage of the recommendation and pay monetary compensation within the allotted timeframe specified in the claim. When the case is brought to court, the perpetrator will need to pay both court costs and attorney fees.

IMPORTANT !!! If the person responsible for the accident does not have any property (real and movable property), or does not have a permanent job, such circumstances are not grounds for refusal to pay compensation, especially if the issue is resolved by court.

What documents need to be completed

Employees of the State Road Safety Inspectorate arriving at the scene of a traffic accident must draw up the following documentation:

• certificate of traffic accident;
• If, as a result of the accident, no damage was caused to the life and health of citizens, a protocol on the administrative offense is drawn up, to which is attached a detailed diagram of the road traffic accident, a description of the damage received by the vehicles, and testimonies of participants and eyewitnesses of the road traffic accident.

If, as a result of an accident, damage was caused to the life and health of citizens, or the damage caused to vehicles was very large, employees of the State Road Traffic Safety Inspectorate draw up the following documentation:

• certificate of traffic accident;
• detailed diagram of the traffic accident;
• vehicle inspection protocol;
• results of a medical examination of the citizen responsible for the accident;
• testimony of participants and eyewitnesses of a road accident.

All of the above documentation is drawn up in the presence of participants in the traffic accident. Participants have the right to make comments and clarifications to the documentation.

Watch the video. What are the first actions of the culprit of an accident:

The victim in the accident does not have MTPL insurance

If the victim in an accident does not have compulsory motor liability insurance, but the perpetrator has one, then compensation payments will be made in the full amount, according to the examination. But, in this case, an administrative decision will be made - a fine for driving a vehicle without compulsory motor insurance. The fine amount is 800 rubles.

If the person at fault in an accident is found to have a fake insurance policy, such an act is equivalent to a lack of insurance.

But the punishment for the culprit with a fake policy is much more serious:

• such an act is punishable by confiscation of the driver's license,
• the culprit bears criminal liability and administrative punishment,
• Serious fines are paid.

If the insurance, for some reason, was nevertheless paid after the discovery of a false insurance policy, the insurance company will subsequently demand the indicated amount of compensation from the person responsible for the accident.

To prevent such developments, you should:

1. Submit an application to check the compliance of the insurance policy with the RSA (Russian Union of Motorists).
2. File a pre-trial claim for the person responsible for the accident for the amount of monetary payment according to an independent expert assessment.
3. Upon receipt of a refusal to claim, draw up a statement of claim to the court, demanding compensation for losses incurred, including monetary costs for conducting examinations and preparing documents, and the work of lawyers.
4. Submit an application to the police department, enclosing a response to the request from the RSA, regarding the culprit for participation in the fraud.

Lawyer Ivlev

No one is immune from participation in such a dubious event as a traffic accident. The very fact of participating in an accident is already associated with numerous negative consequences, but the greatest difficulties arise when it is your fault in the accident.

Even an experienced driver with extensive driving experience can be the culprit of an accident. Bad weather conditions, fatigue, the presence of so-called “dead zones” in visibility – these are the reasons for such accidents. But anything can happen, and therefore we will analyze two possible scenarios for the development of events.

First, let’s assume that the collision between two cars did not result in serious consequences. Only cars were damaged, the damage amounted to less than one hundred and twenty thousand rubles, there were no injuries, other property, such as buildings, city lighting masts, fences, was not damaged. The culprit of the accident has a compulsory insurance policy for vehicle owners (MTPL), it is not expired, and the culprit is allowed to drive.

In this situation, the culprit of the accident escapes with relatively minor negative consequences. If the culprit has not concluded a comprehensive insurance agreement for land vehicles (CASCO), then he restores his car at his own expense. In this case, the culprit is not required to visit the traffic police and the insurance company. It is enough to pay a possible fine for violating traffic rules. If you have a CASCO policy, the culprit collects the necessary documents and gets the opportunity to restore his car at the expense of the insurance company.

However, it is much more important to know the consequences that arise under more unfavorable circumstances.

Situation two: in an accident there are victims, there was a collision between two cars, the cost of restorative repairs of the victim’s car exceeds one hundred and twenty thousand rubles, the culprit does not have a contract of voluntary additional insurance of motor third party liability (DOSAGO).

If the victim suffered mild or moderate harm to health, then in this situation liability arises under Art. 12.24 Code of Administrative Offenses of the Russian Federation. This is deprivation of the right to drive for a period of one to two years. However, the court can get by with a fine if there are no claims from the victims.

The greatest difficulties arise approximately one and a half to two months after the accident. During this period, the victim receives an insurance payment from the insurance company of the perpetrator and, due to the fact that this amount of payment does not satisfy him, the victim goes to court.

According to Art. 1072 of the Civil Code of the Russian Federation, a citizen who has insured his liability through voluntary or compulsory insurance in favor of the victim, in the case where the insurance compensation is not enough to fully compensate for the harm caused, is compensated for the difference between the insurance compensation and the actual amount of damage.

Thus, the culprit is obliged to compensate for the damage caused to the victim in excess of one hundred and twenty thousand rubles.

The courts, when considering these cases, completely take the side of the victim. However, victims often abuse their rights.

Thus, often, as evidence of the cost of restoration repairs, the victim attaches an appraiser’s report, which contains obvious overstatements in the cost of repairs or spare parts. In this case, it is possible to conduct a forensic examination. As a rule, the forensic examination establishes the cost of restoration repairs lower than that presented by the plaintiff. However, a forensic examination is carried out only at the request of the parties. The court itself rarely orders such an examination.

If the victim of an accident suffered harm to health, then he certainly has the right to compensation for moral damage. But sometimes plaintiffs ask to recover from the culprit the costs of treatment or the purchase of medicines. This kind of requirement is contrary to the law, since such expenses, including the cost of sanatorium treatment, are required to be reimbursed by the insurance company. This means that these expenses are not subject to satisfaction.

Often in practice, victims present the perpetrator with additional expenses incurred by him. For example, taxi services for the period while the car was being repaired, services for storing a car for a long time, lost earnings, the difference between the cost of repairing a car without taking into account wear and tear and taking into account wear and tear, and so on.

These expenses are often unreasonable and cannot be satisfied.

However, only a professional can determine which expenses incurred by the plaintiff are justified and which are not. In addition, the court itself, as follows from practice, does not strive to establish the complete truth in the case. If the court does not receive a review of the case, requests for a forensic examination, etc., the court satisfies the plaintiff’s demands in full.

Thus, we summarize the following: it is possible to reduce the amount of damage required by the victims, but for this it is necessary to involve professional lawyers. Lawyers and advocates of the Expert Legal Agency are ready to provide you with this professional assistance.

The victim of the accident has a CASCO insurance policy

The CASCO insurance company provides voluntary insurance to its clients against damage caused to the vehicle. The insurance does not include liability for transported cargo and the health of citizens. Liability for the health of citizens is insured by MTPL.

Let's consider a situation where the victim has CASCO insurance. Who will make compensation payments? What will happen to the citizens injured in the accident. The victim of an accident receives all payments according to the list of clauses in the insurance policy. But, in the event of injury to people, compensation payments are made only under the MTPL insurance policy.

To receive compensation for the restoration of health, you should negotiate peacefully, or go to court, to recover it from the person responsible for the accident who does not have compulsory motor liability insurance.

There are options when you may not receive payments for car restoration:

• the car is damaged or destroyed with the intention of obtaining insurance compensation.
• The car was driven by a drunk driver.
• the car was driven by a person who does not have a driver's license.
• the car was used abroad where the policy is not valid (in another country, etc.)
• operational capabilities have been exceeded.

IMPORTANT !!! To avoid such situations, do not give the car’s steering wheel to unauthorized persons or persons without a driver’s license, and do not overload the car.

In order to correctly and quickly resolve the situation created during a traffic accident, the driver - the culprit and the victim - should firmly remember

In case of an accident with victims

A lot depends on the actions taken by those involved in a traffic accident. First of all, these are the life and health of citizens affected by the accident, the risks of a fire or explosion, and so on.

Remember! If, as a result of a traffic accident, the life and health of citizens were harmed, the citizen who considers himself guilty of the accident should:

• maintain composure. Do not throw hysterics and do not try to escape from the scene of the accident, thereby aggravating the guilt;
• turn off the engine of the vehicle, turn on the emergency stop signal and display the sign;
• prevent the movement of a vehicle except in emergency situations;
• call an ambulance and employees of the State Road Safety Inspectorate;
• examine citizens injured as a result of the accident. Try to clarify the extent of damage caused;
• if the victim requires urgent medical care, take measures to deliver the victim to a medical facility;
• clarify whether there is a threat of explosion or fire of vehicles.

A citizen should be as attentive and focused as possible.

Having discovered citizens whose lives and health were harmed as a result of the accident, you should:

• examine the victim, try to assess the severity of his condition;
• When examining the victim, you should pay special attention to the head, make sure that breathing is smooth and consciousness is not confused. To do this, there are a few questions to ask;
• if a citizen is unable to rise, it is necessary to place some kind of bundle under his head to prevent him from tipping over;
• If the victim is unconscious, he should be carefully turned on his side. This will prevent the victim from choking on saliva and vomit;
• If a citizen has completed first aid courses, then he or she should begin providing medical care independently. If you have not taken such courses, it is better to wait for emergency services to arrive;
• when calling an ambulance and the state road safety inspection, provide the exact address of the accident site;
• Never leave the victim alone. If a citizen needs to move away from the victim, ask one of the eyewitnesses to stay with him;
• until employees of the State Road Safety Inspectorate arrive and compile the necessary documentation, you should not leave the scene of the accident;
• interview citizens who witnessed the accident. Record their contact details;
• Call your insurance agent and report the incident.

When interviewing eyewitnesses, you should clarify whether they can write down their testimony and give it to the citizen, having previously signed it with their own handwritten signature.

After interviewing eyewitnesses and recording contact information, photo and video recording of the scene of the traffic accident should be carried out. Particular attention should be paid to damage sustained by vehicles.

In addition, the brake mark left by each participant in the accident should be recorded.

In accordance with the norms enshrined in Article 12.24. Code of Administrative Offenses of the Russian Federation, the inspector of the State Road Safety Inspectorate who recorded the accident must provide the following materials to the participants in the accident:

• administrative violation protocol. Moreover, if a citizen does not agree with what the inspector recorded in the protocol, he should not refuse to sign the protocol. It is necessary to write down in the protocol what exactly the citizen does not agree with, and then seal the protocol with a handwritten signature;
• a certificate stating that the citizen was involved in a traffic accident. The certificate must contain information about all vehicles involved in the accident;
• vehicle technical inspection protocol;
• diagram of a traffic accident;
• certificate of medical examination of participants in the accident;
• explanations of the participants in the accident and citizens who became eyewitnesses.

How to behave correctly during an accident

Every driver should remember the sequence of actions taken after an accident.

1. Turn on the hazard warning lights, mark the location of the accident, within 15 meters of the affected vehicles.
2. If people were injured during an accident, you should call an ambulance, call an ambulance if necessary, or perform first aid yourself.
3. Call the police and traffic police.
4. Interview those gathered to identify witnesses to the events that happened, ask them not to leave the scene of the accident until the traffic police inspectors arrive.
5. Exchange contacts with the culprit of the incident and try to resolve the dispute peacefully.
6. Wait for the inspection staff to complete all the documents as required in such cases. A traffic accident will be recorded. Please pay attention to the correctness of the information entered in the protocol and the presence or absence of an insurance policy.

If the damage caused exceeds 50,000 rubles, the statement of claim is sent to local district courts.

The following are attached to the statement of claim:

• original receipt for payment of state duty,
• copy of the statement of claim,
• power of attorney for a lawyer who will defend the rights of the victim in court.
• A copy of the pre-trial claim, and all documents from the list of pre-trial claims.

If the issue cannot be resolved amicably, by agreement of the two parties or by pre-trial claim, a statement of claim should be prepared in court. If damage is caused in an amount not exceeding 50,000 rubles, the investigation is conducted by a magistrate.

How is fault determined in an accident?

As a result of a traffic accident, the property of the citizens involved in it, and in some cases, life and health may be damaged.

To receive compensation for damage caused, a number of circumstances will need to be established:

• which of the participants in the traffic accident is at fault;
• whether the participants in the traffic accident have valid compulsory motor liability and CASCO insurance policies;
• what specific damage was caused to the property of the participants in the road accident, as well as to their life and health.

Attention! The degree of guilt of each of the participants in the traffic accident will depend on the procedural registration of the accident.

Currently, to register a traffic accident, you can involve employees of the State Road Safety Inspectorate or register it yourself, through the so-called Euro Protocol.

You can register a traffic accident without involving law enforcement officers in the following cases:

• if the life and health of the participants in the traffic accident are not harmed;
• the amount of damage caused does not exceed 50,000 rubles, and for cities of federal significance - 400,000 rubles;
• if the participants in the traffic accident do not have disagreements and have clearly determined which of them is to blame for the accident.

Attention! Our qualified lawyers will assist you free of charge and around the clock on any issues. Find out more here.

In the process of drawing up the Euro Protocol, the participants in the traffic accident independently determine the degree of guilt of each of them. If employees of the State Road Safety Inspectorate are called to the scene of an accident, they will fill out all the necessary papers, including a protocol on violation of traffic rules.

Let us note that the protocol drawn up by employees of the State Road Safety Inspectorate is not the only evidence of a citizen’s guilt. During subsequent proceedings, it will be necessary to establish the existence of a cause-and-effect relationship between the actions committed by the citizen and the consequences of the accident.

If one of the participants is recognized as the culprit of the traffic accident, then issues related to compensation for damage to the remaining participants will be resolved by the insurance company.

If all parties are found guilty of creating an emergency situation, then the degree of guilt of each party will be determined during legal proceedings.

I got into an accident, I am at fault, what should I do: OSAGO

If an accident occurs on the road in which you are the guilty party, and you only have compulsory motor liability insurance without CASCO insurance at your disposal, then:

1. First you need to think about your next steps. In a calm manner, place the appropriate emergency sign at the scene of the accident and then turn on the alarm.
2. If you find victims, help them. If possible, call an ambulance, and if the person is really ill, send him to the hospital in passing cars. When calling the police and doctors, you must say where you are. To do this, you can ask passing citizens or read the inscriptions on roadside signs.
3. If there is no serious damage in the accident, the situation can be resolved without the involvement of the police. You should then go to your insurer with a verified amount of damage and try to negotiate compensation.
4. You should not touch or move anything at the scene of an accident.
5. If possible, you can use a camera or video camera to record the position of the vehicles during an accident, the braking distance, and the damage received. For this event, it is advisable to attract random witnesses to what happened.
6. Ask for contact information from the second party involved in the accident and write down his phone number, address and coordinates.
7. Get contact information from witnesses to the incident.
8. The second participant in the accident must enter information about your MTPL insurance policy.
9. When the traffic police arrive, tell them about the accident, without hiding all its details. Make sure that the police officer correctly draws up a diagram of the accident, indicating the time and important details.
10. When filling out notifications of road accidents, do everything in accordance with the provisions of the relevant instructions. It can be found on the back of the form. The notice is drawn up in two copies, for each participant in the accident.
11. Ask the police officer about the turnaround time for your accident case.
12. If you have any objections to the police officer’s description of the situation in the protocol, do not sign it or write “Disagree.” Then describe your version of what happened.
13. To receive the required compensation from your insurer, take the following papers from the police: • 154 – a certificate form with the necessary signatures and stamps; • a photocopy of the resolution on the case of an administrative offense; • a photocopy of the protocol on the administrative offense.
14. Do not promise the injured party, in front of witnesses, that you will provide compensation for the damage caused, as these words may later work against you.
15. If possible, monitor the progress of the investigation into the accident.
16. If a conflict situation arises between you and the insurer or you and the other party to the accident, confirm that you are right with photos and videos taken at the scene of the accident. This will help to avoid dishonest actions towards you by the parties to the dispute.
17. Attend an examination of the injured party and carefully read the drawn up vehicle inspection report. If you have discovered some inconsistencies, add any comments to the report.
18. If the injured party demands that you compensate for the damage caused by a certain amount of money, which you think is too high compared to the damage caused, offer to resolve this situation in court. Moreover, it is the injured party who files the claim for trial, and on your part it is necessary to involve specialists from the insurance company.
19. If you receive a refusal from the insurance organization to provide the necessary payments to the injured party due to his insolvency, write a corresponding complaint to a specialist from the insurers union.
20. After an accident occurs, it is necessary to keep all documents related to this case for three years. The three-year period is the statute of limitations. Once this period expires, no one will be able to bring any claims against you. However, until this period has expired, if the injured party has a CASCO insurance policy, its insurance company has the right to file a subrogation against you with a requirement to compensate for the expenses incurred.
21. In such situations, there is a high probability of a re-examination by independent specialists. The results obtained will become irrefutable evidence in court of a clear underestimation of the insurance provided by the insurer.

I got into an accident without insurance, it was my fault. Read here what to do if the insurance company refuses to pay.

About the claim against the culprit of the accident, read the link:

If you get into an accident, your insurance has expired, what is the penalty?

If I get into an accident, I am the culprit, what should I do, how can I compensate for the losses? Such questions are the first to arise in the mind of the culprit of a road accident. In any case, in this scenario, you should behave like a decent citizen and not violate current legislation. In any case, such behavior will help avoid the culprit of the accident from receiving even greater punishment.

Based on Part 2 of Article 12.3 of the Code of Administrative Offenses of the Russian Federation, when driving a vehicle by a car owner without an MTPL policy, it is possible to be punished in the form of an appropriate warning or a fine of 500 rubles.

When driving a vehicle with a policy that has already expired or without it at all, a fine of 800 rubles is imposed. This rule is written down in Part 2 of Article 12.37 of the Code of Administrative Offenses of our country. By the way, this situation can be punished by the banal removal of license plates from the car.

The latter situation involves obtaining permission to drive this car to the nearest office of your insurance company. These actions must be carried out within 24 hours from the minute of the ban on driving in such a car. As soon as you are able to renew your existing insurance, license plates will be issued to you again.

What should I do if I get into an accident, I am the culprit, what should I do? Is my insurance expired? In this case, everything is much more difficult. According to the law, a compulsory motor liability insurance policy can cover damage caused to the injured party by the initiator of an accident. In your case, the fault in the accident in the absence of insurance indicates compensation for the damage caused on your own. At the same time, there is no reason for the injured party to go to its insurer for the due compensation. If the person at fault for the accident does not have an insurance policy, compensation may not be forthcoming! In this situation, it is best for the injured party to negotiate compensation for the harm caused with him peacefully.

Tip #2! To obtain compensation for damage caused by the culprit of an accident who does not have an insurance policy, you should use the help of experienced lawyers. They will be able to talk at the legislative level with the initiator of the accident and competently involve him in fulfilling his immediate obligations.

When deciding to resolve a conflict between the culprit of an accident and the person injured in it without the intervention of outsiders, the culprit should pay the injured party the required amount to cover the damage caused to property and human health. In this case, it is advisable for the party at fault in the accident to take from the victim a corresponding receipt, which will indicate the amount paid with the absence of claims from the injured persons. This receipt will help avoid the risk of the victim repeatedly demanding money from you, as well as his possible appeal to the court.