Register a road traffic accident without the involvement of the traffic police in 15 minutes. Save time and get your payment faster!
The European Protocol can only be used when ALL of the following conditions are met:
Exactly 2 vehicles are involved in the accident. A vehicle with a trailer counts as one unit.
No people were injured. Damage is limited to vehicles only.
No damage to road signs, barriers, buildings, or other people's property.
One driver fully admits fault. No disagreement about the circumstances of the accident.
Both parties have valid compulsory insurance policies at the time of the accident.
Accident participants are not under the influence of alcohol. Medical examination required within 4 hours.
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1
Check that your situation meets all 6 requirements for using the Europrotocol.
2
Turn on the hazard lights, place the warning triangle, and call an ambulance if necessary.
3
Take photos from different angles, capture a general view of the incident and the damage to each vehicle.
4
Use the official Europrotocol form or a mobile application. Fill in all sections clearly and legibly.
5
Contact a medical facility within 4 hours and get a certificate confirming the absence of alcohol intoxication.
6
Contact EUROASIA Insurance within 3 working days with a full set of documents.
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No, the European Protocol applies only to collisions between two vehicles.
In the absence of agreement between participants, it is necessary to call the traffic police for standard accident registration.
No, having valid compulsory insurance policies for all participants is a mandatory condition.
The amount of payment under the European protocol in Uzbekistan is determined within the limits established for the OSAGO policy. It is important to understand that payment is made not to the culprit of the accident, but to the injured party, and the amount depends on the actual damage, but cannot exceed the established limit. The insurance company conducts damage assessment and determines the cost of restoration repair. This amount will be paid to the victim, but only within the OSAGO liability limit. If the actual damage exceeds this limit, the victim can demand additional payment from the culprit through court, although in practice this is quite a complex process. It should be noted that in some regions and under certain conditions, limits may vary. Therefore, before completing the European protocol, it is important to know exactly what limits apply in your case in order to properly assess the feasibility of using this procedure.
The main disadvantages of the European protocol are related to its limitations and potential risks for traffic accident participants. The first and most important limitation is the payment limit. In Uzbekistan, under the European protocol, the insurance company pays compensation within the established limit, which may not cover all the actual damage. If the actual repair cost exceeds this limit, the victim will have to either pay extra from their own pocket or sue the culprit to recover the difference. The second significant disadvantage is the risk of incorrect document completion. Any error in filling out the form can become grounds for the insurance company to refuse payment. Many drivers do not have sufficient experience in completing such documents, which creates additional risks. The third disadvantage is that the European protocol requires full agreement from both parties. If disagreements arise between the accident participants about who is at fault or what the amount of damage is, traffic police officers will still have to be called. This is especially problematic in the stressful situation after an accident, when emotions can interfere with an objective assessment of what happened.
The European protocol in Uzbekistan functions as a simplified system for processing minor traffic accidents without the participation of traffic police officers. The process begins with both accident participants ensuring that all necessary conditions are met: only two vehicles are involved, there are no injuries, both drivers have valid OSAGO policies, and they agree on the culprit and the amount of damage. After this, drivers must fill out a special traffic accident notification form, which is issued when obtaining an OSAGO policy. It is important to understand that this document must be filled out jointly by both participants, and each receives their own copy. The form indicates all circumstances of the incident, the accident diagram, vehicle damage, and other necessary information. A feature of the Uzbek system is that after completing the European protocol, participants must provide their insurance company within three working days not only with the completed form, but also with additional documents: an explanatory note, results of medical examination for intoxication, as well as photo or video materials from the scene. The insurance company is obliged to review the documents and make a payment decision within 15 calendar days.
The European protocol should be completed only when all mandatory conditions are simultaneously met, and you are confident that you can properly document the incident. The ideal situation for the European protocol is a minor accident with an obvious culprit, for example, when one car hit another while parking or there was a light collision at low speed with minimal damage. Let's consider a specific example: you are standing at a traffic light, and another car hits you from behind, damaging the bumper. The driver admits guilt, the damage is clearly minor, no one was injured, both have valid OSAGO policies. In such a situation, the European protocol is the optimal solution that will save time for both parties. However, there are situations when it is better to refuse the European protocol, even if formally all conditions are met. For example, if you suspect hidden damage that may be discovered later, or if the behavior of the second participant raises doubts about their good faith. Also, you should not use the European protocol for complex accidents with ambiguous circumstances or when it is difficult to determine the culprit. Remember that the correct decision about using the European protocol requires a sober assessment of the situation. If there are even the slightest doubts, it is better to call traffic police officers and process the accident in the standard way. This may take more time, but will provide more reliable protection of your interests.
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