An insured event under a MTPL policy
How to contact us:
Important
Call the INGO contact center directly from the scene
1. Instructions on how to act in the event of an insured event
- Stay calm and follow all the requirements of the Traffic Rules.
- Call the INGO Contact Center directly from the scene of the accident at (044) 490-27-47 or (050) 119-01-47 or (067) 246-80-07 and follow the recommendations of the contact center.
- Call the police -102 or draw up a Europrotocol.
- If there are victims, call an ambulance - 103.
- Get information about the parties to the accident: Name, make and model of the vehicle, insurance policy number, name of the insurance company. Take pictures of the accident scene from different angles.
- Fill out the form "Report of an accident" and no later than Z working days from the date of the accident, send it together with the documents to the e-mail address [email protected] (in the subject line of the e-mail, be sure to indicate your insurance case number received from the contact center when registering the insured event by phone) or through the form "Claim for compensation".
- Keep the damaged property in the same condition as it was at the time of the accident until it is inspected by a representative of INGO.
- If the CTPCI policy of the culprit of the accident was issued after 2024, then in this case you need to choose a service station for inspection and subsequent restoration repairs from our proposed list by the link. PLEASE NOTE A service station from the proposed list is selected only if you agree to carry out restorative repairs at ONE OF THESE STATIONS!
Important!
if the car is older than 5 years, the restoration repair is carried out at a service station - not a Dealer. If the car is less than 5 years old, the repair is carried out at the Dealer service station.
In an e-mail with a package of documents for reimbursement, or by a separate call to the INGO contact center, it is necessary to indicate the CHOSEN reimbursement option chosen by the owner of the damaged car: restoration repair at the PROPOSED service station (indicating the name of the selected service station on the list) or, IF YOU DO NOT PLAN REPAIR AT ONE OF THE SERVICE STATIONS ON THE LIST, transfer of the reimbursement amount to the account of the owner of the damaged car.
In order to receive compensation to the owner's details (or to a service station that is not on the list of INGO partners), the damaged car must be inspected by an INGO expert representative within 10 working days from the date of submission of the Notice of the accident. If you choose this option, the indemnity will be paid in accordance with the insurance company's calculations. The damaged car cannot be restored before it is inspected by an INGO representative.
2. Documents required for insurance indemnity
- Notification of the accident (this form must be printed, filled in, signed, dated and sent to us with a photo/scan)
- Copy of the car registration certificate
- A copy of the driver's license / temporary registration card for the right to drive
- Copy of the accident scheme, explanations, administrative protocol
- Europrotocol (if the accident was registered without the participation of the police)
- Photos from the accident scene and photos of visual damage to the car
- Copy of the insurance policy
- Copy of the passport of the vehicle owner or authorized person: 1, 2, 3, 4 pages (5.6 for persons over 45 years of age) and the page with the registration of the last place of residence or ID card and Extract from the Unified State Demographic Register of Registration of Residence / Certificate of Registration of an Internally Displaced Person.
A copy of the certificate of assignment of an individual tax number (TIN).
IMPORTANT! ALL copies of these documents (passport, tax identification number or ID card, and an extract from the Unified State Register of Legal Entities obtained via the Administrative Services Centre) must be duly certified – that is, they must bear the words ‘Certified true copy’ or ‘True copy’, the date, and the signature of the recipient of the funds. - Copy of the Power of Attorney (if any)
- A court order certified with a wet seal (upon agreement)
- Application for payment (this form must be printed, filled in, signed, dated and sent to us with a photo/scan) - can be submitted later, when the insurance company calculates the amount of insurance indemnity or the invoice from the partner service station is agreed (but no later than 1 year after the accident). It is submitted by the owner of the damaged car or an authorized person (if there is a Power of Attorney granting the right to receive insurance indemnity).
*Copies (photocopies, scanned copies, photocopies) of the submitted documents must be readable, clear and without blurring, in the size of the screen and without unnecessary objects in the frame, made in sufficient light and without shadows!
*Pursuant to the requirements of the Law of Ukraine "On Prevention and Counteraction to Legalization (Laundering) of Proceeds of Crime, Terrorist Financing and Financing of Proliferation of Weapons of Mass Destruction"
IMPORTANT! Copies of these documents must be duly certified:
In order to certify a copy of a document by an individual, it is necessary for such a person to put
- handwritten note "According to the original" or "Copy is true", or in case of a stamp - "According to the original"
- personal signature of the person certifying the copy, his/her initials and surname;
- date of copy certification.
To certify a copy of a legal entity 's documents, an authorized representative of the legal entity must
- either affix a mark on paper copies of documents (without applying a digital signature): on each paper copy of the document, a mark on the certification of a copy of this document containing the inscription "According to the original" and indicating the position title (if any), personal signature of the person certifying the copy, his/her name and surname, and the date of certification of the copy.
If paper scanned copies of documents are provided separately, the above note must be made on each copy of the document.
If a stitched and numbered package of documents is submitted, the certification mark shall be indicated on the last page of the package of documents.
- or signed the archive of the required completed documents (files) by applying a CEP.
If the recipient of funds is an individual and the amount of insurance indemnity exceeds UAH 40 thousand.
The list of documents from an individual in accordance with the Letter of request for financial monitoring of a financial institution
If the recipient of funds is a LEGAL ENTITY, regardless of the amount of insurance indemnity.
List of documents from a legal entity in accordance with the Letter of request for financial monitoring of a legal entity
If the recipient of the funds is an individual entrepreneur, regardless of the amount of insurance indemnity.
List of documents from a sole proprietor in accordance with the Letter of Request for Financial Monitoring of a sole proprietor
- Report of an accident (this form must be printed, filled out, signed, dated and sent to us with a photo/scan)
- Application for payment (this form must be printed, filled out, signed, dated and a photo/scanned copy sent to us)
- A copy of the passport of the victim or the person who incurred the expenses: pages 1, 2, 3, 4 (5, 6 for persons over 45 years of age) and the page with the registration of the last place of residence or ID card and an extract from the Unified State Demographic Register of Residence Registration/Certificate of Registration of an Internally Displaced Person.
And also - a copy of the certificate of assignment of an individual tax number (TIN).
IMPORTANT! ALL copies of these documents must be duly certified, i.e., they must contain the inscription "According to the original" or "Copy is true", the date and signature of the recipient of the funds. - A court order certified with a wet seal (upon agreement).
In case of damage to health:
- In case of inpatient treatment: an extract from the medical history, the period of treatment, diagnosis, list of procedures performed)
- List of medical prescriptions (optional, if indicated in the medical history)
- In case of outpatient treatment: an extract from the medical history or a copy of the outpatient card with the diagnosis, examinations and treatment of the disease that arose as a result of the accident.
- Documents confirming the costs of treatment (fiscal receipts).
In case of disability:
- For an employed person: An extract from the Electronic Register of Certificates of Disability.
- A certificate from the place of work on the accrual of sick leave.
- For sole proprietors: proof of non-receipt of the average salary for the period of disability (tax return of the payer of the Unified State Tax of sole proprietorship), information on the amount of accrued income and the amount of the single contribution. Extract from the Unified State Register of Individual Entrepreneurs. An extract from the register of single tax payers for the period when the person was unable to work and for the previous similar period (to calculate the difference).
In case of disability determination:
- Medical documents (extract, list of medical prescriptions, etc.)
- Rehabilitation card of the disabled person
In case of the victim's death:
A) Reimbursement of the costs of installing a monument and burial:
- Death certificate.
- Documents confirming the costs of burial and monument installation (fiscal checks, receipts).
B) Non-pecuniary damage and damage caused by the victim's death:
- Documents confirming the right to receive insurance compensation (birth certificate, marriage certificate, etc.) - first-degree relatives.
- Application (in any form) with a list of first-degree relatives.
- Documents confirming that the victim is a dependent (birth certificate of children, pension certificate, etc.).
! The list of documents provided is very short and requires additional consultation with the victim's relatives.
*Copies (photocopies, scanned copies, photocopies) of the submitted documents must be readable, clear and without blurring, in the size of the screen and without unnecessary objects in the frame, made in sufficient light and without shadows!
How to apply?
Prepare the necessary documents and send them to the email address [email protected] (in the subject line of the email, be sure to indicate your insurance case number received from the contact center when registering an insured event by phone).
You can also submit documents through the form «Reimbursement Request Form» (below). In this case, be sure to indicate your correct e-mail address for the possibility of feedback communication from INGO.
3. The European Protocol
The Europrotocol in Ukraine gives drivers the right to register minor accidents in a simplified manner without calling the police. It was enacted into law in Ukraine in September 2011.
Registration of an accident using the Europrotocol is a right, not an obligation, for drivers to record an accident in this way. If at least one of the drivers (for whatever reason) does not want to fill out the Europrotocol, the police should be called to the scene of the accident.
A completed Europrotocol form is a full-fledged documentary evidence of an accident, analogous to a police certificate.
The main advantages of registering an accident with the help of the Europrotocol:
- Time saving for the parties involved in the accident
- Drivers are exempted from the need to communicate with the police and the court
- The culprit of the accident does not pay a fine for violation of traffic rules
- The police do not confiscate driver's licenses at the scene of an accident, there is no need to visit the court to obtain a court order
- Reducing traffic congestion at the accident scene for other road users
The Europrotocol can be used to document an accident under 5 conditions:
- There are no persons injured or killed in the accident
- There are only two parties to the accident, both drivers agree with the circumstances of the accident, and one of them admits his or her guilt in the accident.
- The parties to the accident have a valid CTPCI (Motor Third Party Liability Insurance) policy
- Both drivers have no signs of alcohol or drug intoxication
- The amount of damage to the party injured in the accident does not exceed UAH 250,000.
- Take a photo of the car at the scene of the accident and the place of the accident (turn on the geolocation option on the phone you are taking the photo with)
- Fill out the Europrotocol at the scene of the accident without changing the condition of the cars
- Sign the completed document by both participants
- Divide the Europrotocol form between the signatories
- Within 3 business days, the culprit shall submit a claim for the insured event to his/her insurance company and hand over his/her part of the completed Europrotocol form.
Under the European Protocol, only material damage up to UAH 160,000 is compensated.
If it turns out that the amount of damage exceeds UAH 160,000, the culprit will have to compensate the rest of the damage on their own.
If you are not sure about the circumstances of the accident or have doubts about the possible amount of damage, call the police!
When exactly do I need to fill out the Europrotocol?
- Directly at the scene of the accident. Do not move the car from the scene of the accident until the Europrotocol is completely filled out and signed
How many copies of the Europrotocol should be filled out?
- To register an accident using the Europrotocol, use one Europrotocol form of one of the parties to the accident
How to determine which of the two columns drivers need to fill in?
- It does not matter which column of the Europrotocol (yellow or blue) is filled in by the culprit and the victim.
- Each driver fills in his/her part/column of the Europrotocol independently
- The Europrotocol is filled in with a ballpoint pen, which automatically copies the text on the 2nd sheet
- The Europrotocol is divided only after it is completed and signed by both drivers involved in the accident
- It does not matter which of the parties to the accident gets a particular sheet of the Europrotocol (original (sheet 1) or copy (sheet 2))
- Do not supplement the content of the Europrotocol after it is divided between the participants
What should I do if I made a mistake while filling out the form?
- Corrections are not allowed when filling out the Europrotocol. If you spoil the form, take a new one
- You can get a new Europrotocol form at any time from your insurance company.
What if there is not enough space on the form to describe all the circumstances of the accident?
- Non-standard and additional information about the accident can be reflected in an addendum to the Europrotocol. The addendum should be drawn up in 2 copies, signed and indicated in line 14 of the Europrotocol.
With the help of the Electronic Europrotocol information system, this notification can be made electronically using a regular smartphone right at the scene of the accident.
The electronic Europrotocol is filled in by the participants in one copy on any mobile device with a camera and Internet access.
The decision of the MTIBU Presidium dated 13.07.17 No. 403/2017 stipulates that from 01.10.2017 the Europrotocol executed in electronic form is a complete analogue of the Europrotocols sent or submitted to the insurer in paper form.
4. What shouldn't be done?
- Leave the scene of an accident without consulting the insurer's contact center (if only property was damaged). Ignore the need to contact the contact center
- Do not coordinate your actions with the INGO contact center
- Repair the damaged vehicle until it is inspected by an INGO representative.
Reimbursement application form
The insurer pays the insurance indemnity after agreeing on the amount of the indemnity and upon receipt of all necessary documents. Use online services to submit documents.
