After a crash there is little time to think, and the first few actions determine both people's safety and your ability to receive compensation. Below is a clear sequence worth keeping in mind in advance.
1. Stop and make the scene safe
Stop the vehicle and do not leave the scene of the accident.
Switch on the hazard lights and place the warning triangle to alert other road users.
Do not move the vehicles or any objects connected with the accident until the scene has been recorded — unless this is needed for safety or to let traffic pass.
2. Check whether anyone is injured
If anyone is injured, call an ambulance and, where possible, give first aid without causing further harm.
Report the accident to the internal affairs authorities. Where there are injuries, or where the parties disagree about the circumstances, the accident must be recorded by officers of the authorised bodies.
3. Record the scene
Take photographs and video before the vehicles are moved:
- a general view of the scene showing the road, markings and signs;
- the position of the vehicles relative to each other;
- close-ups of the damage to each vehicle;
- the registration plates;
- skid marks, debris and parts on the carriageway;
- road conditions — surface, lighting, weather.
Take the names and telephone numbers of any witnesses.
4. Exchange details with the other party
Record the other driver's name and contact details, driving licence details, registration number and the make of the vehicle.
Separately, check and photograph their insurance policy: the name of the insurer, the policy number and its period of validity. You will need this when claiming.
5. Notify your insurance company
Report the accident to your insurer in the manner and within the time limits set out in the insurance contract and the insurance rules. Do not put it off: missing the notification deadline may affect how the claim is handled.
If your liability is insured under OSAGO, cover extends to harm caused to the life, health or property of injured parties, within the sums insured and limits of liability established by law.
If you hold KASKO, damage to your own vehicle is handled under the chosen programme and the terms of the contract.
6. Prepare the documents
The exact list of documents is set by your insurance contract. As a rule, the following may be required:
- a notification of the insured event;
- the insurance policy;
- an identity document;
- the driving licence;
- the vehicle documents;
- documents issued by the authorised bodies in respect of the accident;
- photographs and video from the scene;
- bank details for receiving the insurance payment.
Do not carry out repairs before the insurer has inspected the vehicle, unless the work is needed to prevent the damage from increasing further.
What not to do
Do not leave the scene before the accident has been formally recorded.
Do not admit fault or agree to settle "on the spot" before the circumstances are established: this can complicate the handling of the claim.
Do not sign documents whose contents you do not understand.
Be prepared in advance
Keep the policy, your insurer's telephone number and a warning triangle in the car. Check that the policy is still valid before you set off.
Take out OSAGO — it is a legal requirement and protects your liability to other road users. KASKO additionally protects the vehicle itself.
Before taking out a policy, read the terms of cover, the list of insured risks, the exclusions, the sum insured and the procedure for receiving an insurance payment.
Apply for OSAGO online → Apply for KASKO online →
Any questions?
GSO hotline: +996 (312) 65-08-53 — Mon–Fri, 9:00 to 18:00.
Email: info@gso.kg
Addresses of branches and sales points in every region are listed under Branches and on the Contacts page.