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Šta je Evropski izvještaj i gdje se može preuzeti?

Evropski izvještaj (EI) o saobraćajnoj nezgodi je standardan obrazac koji se koristi u cijeloj Evropi i validan je umjesto policijskog izveštaja (zapisnika o uviđaju) u slučaju malih šteta (do 500 evra), nastalim u manjim saobraćajnim nezgodama. Evropski izvještaj važi na teritorijama svih zemalja koje su u praksu uvele prijave manjih šteta putem Evropskog izvještaja o nezgodi.

Evropski izvještaj je besplatan i izdavaće se uz polisu autoodgovornosti od 25.12.2012 god. Za važeće polise koje su izdate prije navedenog datuma Evropski izvještaj se preuzima u svim poslovnicama, filijalama, Info-centrima osiguravajućih društava.

2. Kada se primjenjuje Evropski izvještaj?

Evropski izvještaj se primjenjuje u slučaju nastanka manje materijalne štete (do 500 eura), gdje su se učesnici saglasili o odgovornosti za nastanak iste. Učesnici su u navedenim slučajevima dužni da:

– popune i potpišu Evropski izvještaj u skladu sa uputstvom na poleđini izveštaja (popunjen obrazac ne predstavlja priznavanje odgovornosti, već jedino utvrđivanje identiteta učesnika),

– obavezno dođu sa vozilima i dokumentacijom u osiguravajuće društvo kod koga je osigurano vozilo koje je počinilo štetu radi davanja izjava, sačinjavanja foto-dokumentacije i prijavljivanja štete.

 

3. Kakva je procedura u slučaju da postoje povrijeđena ili poginula lica, odnosno nematerijalna šteta?

 

Ukoliko je saobraćajna nezgoda uzrokovala povredu ili smrt fizičkih lica, bez obzira na vrijednost materijalne štete na vozilima (do ili preko 500 eura), potrebno je:

– odmah obavijestiti policiju i hitnu pomoć (u slučaju potrebe) i sačekati da ovlašćeno lice izvrši uviđaj saobraćajne nezgode,

– ostati na licu mjesta i preduzeti zakonom propisane radnje o obezbjeđivanju mjesta nezgode (ZOBS čl.165-175),

 

4. Šta se dešava ukoliko nijesmo sigurni da je materijalna šteta ispod 500 eura?

Ukoliko nijeste sigurni za visinu vrijednosti prouzrokovane materijalne štete, a uzimajući u obzir da na novim vozilima samo npr.retrovizor može imati nabavnu vrijednost od 350 eura, potrebno je obavijestiti policiju radi sačinjavanja zapisnika. Sa zapisnikom policije i dokumentacijom neophodnom za prijavu šteta po polisama autoodgovornosti, oštećeno lice prijavljuje štetu u osiguravajućem društvu  kod koje je osigurano vozilo koje je prouzrokovalo nezgodu.

 

5. Šta se dešava u slučajevima da je materijalna šteta ispod 500 eura, ali se učesnici ne mogu usaglasiti po pitanju nastupanja iste?

 

Sasvim je realno pretpostaviti da se učesnici u nekim saobraćajnim nezgodama neće moći uslaglasiti po pitanju nastupanja štetnog događaja. U tim slučajevima potrebno je angažovati policiju radi sačinjavanja zapisnika. Sa zapisnikom policije i dokumentacijom neophodnom za prijavu šteta po polisama autoodgovornosti, oštećeno lice prijavljuje štetu u osiguravajućem društvu kod koje je osigurano vozilo koje je prouzrokovalo nezgodu.

Ukoliko drugi učesnik odaje utisak alkoholisanosti, obavezno insistirati na izlasku policije i alkotestu.

Ukoliko se učesnici saobraćajne nezgode nijesu usaglasili oko krivice, a policija nije vršila uviđaj i o tome sačinila zapisnik, osiguranje će radi utvrđivanja krivice izvršiti rekonstrukciju događaja sa učesnicima na licu mjesta.

 

6. Kada se u slučaju manje materijalne štete, učesnici usaglase o nastupanju iste, koja je procedura za popunjavanje Evropskog izvještaja?

 

Za saobraćajne nezgode u kojima je učestvovalo 2 vozača, popunjava se 1 obrazac. Za nezgode u kojima je učestovalo 3 vozila popunjavaju se 2 obrasca, itd…

Nije bitno čiji će se obrazac popuniti, važno je obratiti pažnju na samo popunjavanje – tačnost i čitljivost podataka na originalnom i indigovanom primerku.

Važno je čitko skicirati, na mjestu gdje je to predviđeno EI, položaj vozila nakon saobraćajne nezgode.

Poželjno je i fotografisati lice mjesta mobilnim telefonom ili fotoaparatom ukoliko ste u posjedu istih.

Original, tj. prvu stranu Evropskog izvještaja dostavlja lice koje prijavljuje štetu. Sva polja na Evropskom izvještaju su obavezna i nakon popunjavanje ne trpe ispravke. Ukoliko je vlasnik vozila pravno lice, Evropski izvještaj pored potpisa, treba biti ovjeren i pečatom pravnog lica.

 

7. Koja je dalja procedura nakon popunjavanja Evropskog izvještaja?

Nakon popunjavanja izveštaja, potrebno je da oba učesnika u saobraćajnoj nezgodi sa svojim vozilima u što kraćem roku, bez vršenja bilo kakvih popravki na vozilima, dođu u osiguravajuće društvo kod koje je osigurano vozilo koje je prouzrokovalo štetu radi prijave štetnog događaja i upoređivanja i procjene štete na vozilu.

 

8. Šta je sve potrebno dostaviti od dokumentacije u osiguravajuće društvo

Neophodno je da bude dostavljena cjelokupna dokumentacija koja se, po standardnoj proceduri, dostavlja pri podnošenju odštetnog zahtjeva po polisi autoodgovornosti – izuzev zapisnika MUP-a:

 

– Kopija lične karte podnosioca prijave (oštećenog),

– Kopija saobraćajne dozvole oštećenog vozila,

– Kopija vozačke dozvole vozača oštećenog vozila,

– Kopija polisa osiguranja učesnika u saobraćajnoj nezgodi,

– Ovlašćenje za naplatu štete (ukoliko podnosilac prijave nije vlasnik vozila),

– Kopija tekućeg računa na koji se vrši uplata (u slučajevima kada se uplata ne vrši servisu),

– Original račun popravke, predračun, specifikacija.

 

9. Kakve su sankcije i postupak prijave, ako vozač odnosno učesnik saobraćajne nezgode ne posjeduje primjerak Evropskog izještaja o saobraćajnoj nezgodi?

Sankcije su predviđene novim Zakonom o obaveznom osiguranju u saobraćaju i idu do 50-200 EUR za lica koja ne posjeduju izvještaj o saobraćajnoj nezgodi.

Ukoliko ne posjedujete izvještaj, možete zamoliti drugog učesnika da popunite njegov izvještaj ili sačekati policiju i izvršiti prijavu štete po standardnoj proceduri uz zapisnik MUP-a.

 

Važna napomena:

Ne vršiti popravku vozila prije fotografisanja oštećenja na vozilu!

 

 

SPORAZUM O PROCEDURI RJEŠAVANJA ODŠTETNIH ZAHTEJVA (DOWNLOAD)

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