Turn on your hazard lights and put out the warning triangle
Warning triangle: 20 meters in the city, 40 outside it. It’s the first thing police ask about, and the first thing that affects the report.
If an accident happened
Six steps while you're still on the road
The costliest mistakes happen in the first fifteen minutes. The steps below are exactly what we walk clients through on the phone.
Don’t move the car
Until the circumstances are recorded, the cars stay in place. Exception — when they fully block traffic: then photos first, then clear the road.
Record everything on your phone
A wide shot from both sides, both cars’ plate numbers, close-ups of the damage, the brake marks, nearby road signs and markings.
Police or Europrotocol
European Protocol — if there are no injured parties, the drivers agree on who's at fault, both policies are valid, and the damage is within the limit. In all other cases — call the police.
Notify the insurer
Call us right from the scene. The insurer must receive your accident report within three business days — delay reduces the payout.
Submit documents for the payout
A police report or European Protocol form, driver's license, vehicle registration, policy, card details. We'll check the set before submission so it isn't returned.
What not to do at the scene
- Don’t settle “on the spot for cash” without checking for hidden damage — you won’t be able to reopen the claim afterward.
- Don’t sign the Europrotocol if you disagree with who’s at fault: it has no box for “I disagree”.
- Don’t start repairs before the inspection: if the insurer hasn’t seen the damage, the insurer won’t pay for it.
Policy to your email
The policy arrives by mail, not picked up at an office
An electronic policy carries the same legal weight as a paper one: it lives in a single registry, and police check it by your plate number. Printing it isn’t required.
You submit a request
A phone number and policy type are enough. We'll confirm the rest from the vehicle registration.
We send you the quote
The exact amount and terms — sent to messenger or email. You compare, ask questions, decide.
Online payment
By card via a link. The receipt arrives in the same email as the policy.
Policy in your inbox within minutes
PDF with the number, QR code, and validity period. A copy stays in your correspondence — it won't get lost.