Now you can make out an accident without car inspectors

Since the beginning of spring in the law on compulsory motor TPL insurance, amendments to allow for a small car accident not to resort to call traffic police and to resolve questions about the payments with your insurance company. Now arrange all the necessary documents will be independently and by releasing part of the road for free travel, go to the post for the registration of an accident. Then the victim goes to their chosen insurance company to pay damages. Independent preparation of documents for participants in the accident - not such a novelty. Previously allowed to issue an accident on the spot without traffic police officers, and then go to the post to register the incident. But motorists are rarely used this opportunity due to mistrust and fear to the opponent subsequent problems with the inspector because of the inaccurate details of the accident. New rules ease some traffic - now "kissed" bumpers drivers will not take one to two lanes, creating a traffic jam. They can agree between themselves to fill in the necessary documents and left for his business. Indeed, it often happens that, not wanting to wait for cops, not much cars collided just leave the scene of an accident. Under frivolous traffic accident means an accident involving no more than two cars without causing someone else harm to health, in which the damage occurs only to property and the amount of not more than 25 000 rubles. Participants should not have differences, and both insurance policies should be issued no earlier than March 1, 2009. According to lawmakers, such innovation will reduce the burden on the traffic police officers who have to travel to each accident. Sometimes they travel is wasted, because while they are traveling to the scene, the drivers manage to agree on resolving the conflict peacefully. Themselves the servants of the rule of law see it as not so much a relief as future challenges to the establishment of the perpetrator of the accident. From the side it would seem that with a record of all data and drawing diagrams accident easily handle the normal motorist. But compared with the often anxious and frightened drivers policeman with seasoned eye better deal in the situation. Involved in an accident a person may not immediately notice many details to be in a state of shock or even be intimidated by an opponent. Their opinion is supported by insurers - for self-registration of road accident should be exactly sure of his decision. Second Amendment on the one hand delighted drivers, but on the other hand - "strained" by insurance companies. Introduction of direct damages threatens the activation of fraud. From insurers that would require more attention when considering insurance claims. Some firms are willing to establish or expand special units that will engage in suspicious cases. Now the 100 recoveries of about 30 paid dishonest motorists staged accident. With the new rules, this percentage can increase dramatically, since the drafting of schemes accident will be conducted without representatives of the parties to accidents traffic police. And so our people can be smart, especially against the backdrop of economic disorder. The first time after the introduction of innovations will be most profitable for speculators, while traffic cops and insurers are not run-in new schemes of work and did not identify the pitfalls. For example, drunken drivers can avoid penalties if the contract with the second party to the accident. Therefore, the traffic police advised them to be called to the scene, if there is suspicion that the second party to the accident was drunk. Several variants of fraud with the money already known. The most common - faking an accident with accomplice to get paid for damages received earlier. So you can illegally obtain money for battered in the parking lot or yard, or other body damage, not subject to reimbursement. More far-reaching way - buying multiple policies OSAGO, forgery and failure to obtain payment directly from all insurers. This will help the lack of general insurance base, which is now in the hands of those who got in an accident, moves from one company to another to avoid paying more for a crash history. And the amount of compensation will vary depending on the company, as a unified system of assessment of damage is also missing, and each insurer charges for the same damage to different amounts. Although the "big fish" is unlikely to bind to it, as the maximum payout is only 25,000 rubles. Risk of getting caught are too great, for the purchase of an insurance policy must provide their passport details. Independently fix the crash should be very careful, you need to fill in the form of a special notice to the insurance company. To do so, better read the memo, which indicates the rules required. Then draw a sketch of the incident, which must be displayed vehicles before and after the collision, street names, road signs and markings. If the estimate damage to the eye is difficult, it is possible to resort to using emergency commissioners. The only pity is that the difficulties of reparation is still borne by the victim. He is, as before, will run the chain of command and gather the necessary information, write applications