The declaration of the car accident to your insurer is essential for your compensation. The drafting of the amicable report is one of the possible steps.
What the amicable report used for
The first usefulness of the joint report is to allow, in the event of a road accident, your insurer to know the circumstances of the loss.
Place of occurrence, time, date, parties involved, all information concerning the accident is valuable and must appear in the report.
They allow the insurer to determine everyone’s responsibilities and to calculate their compensation as accurately as possible.
We give you some advice on how to complete this document correctly and tips on how to speed up your compensation.
When should you complete it and send it to your insurer?
The joint report is drawn up during a traffic accident involving at least one third-party vehicle. You have 48 hours to complete it, but we advise you to complete this task immediately.
Why? The reasons for the accident and its circumstances are fresh in your mind.
In addition, you have the certainty that the third party or parties do not change their minds.
You have five working days to send the accident report to your insurer, attaching pictures of the accident, if applicable.
If your vehicle is equipped with an on -board camera, you can also submit the images to your insurance company.
What if no one is able to write it?
If you and/or the other people involved are unconscious and unable to complete the joint report, the firefighters or the police generally take over.
They draw up a report which is then sent to your insurer.
You have the right to demand the transmission of this document.
The compensation period is generally longer than if a report has been established. This can sometimes be counted in months.
No joint report for minor material damage
For simple skirmishes that only cause inexpensive property damage for the parties involved, it is sometimes wise not to write an accident report, especially if you are responsible.
This would affect your bonus-malus and increase your insurance premium.
For example, you have a reduction-addition coefficient (CRM) of 0.54 before the claim.
If you report the accident, your CRM would now be 0.67. A penalty that inevitably increases your insurance bill: from a few dozen to sometimes more than a hundred euros.
In this case, you can simply make arrangements with the other driver regarding the payment of repairs to the vehicle, without going through the “insurance” box.
In case of impossibility to sign an amicable report
Drivers involved in a disaster are not always cooperative. They can also have a version of the collision. In these cases, alternatives are possible.
In the event of discordant versions on the circumstances of the accident, the insurers will share the responsibility between the drivers.
If the disagreements are minor, it is preferable that the 2 drivers sign the observation part on the front and indicate their comments in the “observations” section on the back.
If the disagreement is total, try to have as many witnesses as possible and do not sign the report. You have no legal obligation to do so.
One of the drivers fled
If the other driver refuses to sign or leaves without writing a report, fill in a report yourself , trying to attach as much information and evidence as possible (with the contact details of the witnesses).
Note on this report that the other driver refused to sign or fled.
Indicate the registration of the vehicle if you have had time to note it. In the event of a hit and run, also report it to law enforcement.
How to complete the report?
An amicable report must only be drawn up in a single copy. Each party keeps a sheet for its own use. The document, which exists in paper and digital versions, consists of 2 parts:
On the front, the “report” part is common. Once completed and signed by the drivers involved, it is no longer possible to add information.
On the back, the “observation” part is individual.
Everyone is free to add details, comments or qualify certain information indicated on the front part.
If it is a pile – up, you must write an accident report with the car in front of you and the one behind you.
Elements to be completed on site
Fill in legibly with a ballpoint pen the front of the report on the scene of the accident.
Each driver must fill in a column, A or B. Describe precisely the places, the signs, the circumstances and the place of the collision between the vehicles.
Take the time to detail your declarations: The insurer will be able to better appreciate the responsibilities.
Making a sketch of the accident is also useful to get an overall idea of the circumstances of the collision.
Sometimes, all of the damage is not visible immediately after the accident. This is why, when you list the damage suffered by your vehicle, add the mention “subject to change”.
If the observation was made when visibility was reduced (bad weather, night, etc.), specify this as well. If necessary, add the words “no witnesses” to prevent the other driver from adding convenience witnesses.
For safety, you can raise the license plate of the other vehicle and ask to see the papers of its driver. Feel free to take pictures of the accident. Remember to collect the contact details of witnesses to the accident.
Sign the front and give a slip to the second driver
Items to complete at home
You are then free to complete the back of the document at home: these are frames 6, 7, 8 and 9 of vehicle A or B.
This is an additional declaration, not binding on the report drawn up on the front of the document.
Documents to have in your car
Carefully keep all the necessary papers in your car for the amicable report:
- You will need your driver’s license, your car registration document and your car insurance certificate to complete the report.
- Remember to have your insurer ‘s telephone number in the vehicle This information – rarely present on the insurance certificate – is necessary to complete the report.
- Also keep with you the contact details of the hotline that can help you complete the report.
Drafting the e-statement
Since 2015, most insurers have offered the e-report. Thanks to a free application that can be downloaded to your smartphone, you can write your joint report online.
You sign it electronically and immediately send it to your insurer.
A solution speeds up compensation times and reduces the volume of paperwork.
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How to proceed with a foreign driver?
First reflex: Collect as much information as possible about the driver concerned.
Then, the drafting of the joint report is done in a traditional way, since this document is harmonized at European level.
If your interlocutor is not French-speaking, everyone writes a report in their language.
Send the two versions to your insurer so that he can compare them, determine the responsibilities and assess your right to compensation.