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Wypadek lub stłuczka na drodze, na parkingu - co robić i co ze zniżkami OC?

10:45, 06.02.2019 | materiał partnera
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Stłuczka, kraksa, wypadek, kolizja - co robić? Po pierwsze zachować spokój. Bo powiedzmy sobie szczerze. Nerwy są złym doradcą. Tym bardziej, gdy musimy wysiąść ze zniszczonego samochodu, udzielić pierwszej pomocy, wezwać karetkę, policję, zadzwonić po lawetę. I jeszcze martwimy się o zniżki OC.

Różnica między wypadkiem a kolizją dotyczy tego, czy w wyniku kraksy ktokolwiek został poważnie ranny. O wypadku możemy mówić, gdy choć jedna osoba zginęła, zmarła wkrótce po przewiezieniu do szpitala lub doznała obrażeń, których leczenie trwało dłużej niż siedem dni. Zazwyczaj od razu wiadomo, że poszkodowany będzie chorował ponad tydzień. Przykładowo: dochodzi do stłuczki na drodze. Samochody są tylko trochę porysowane, ale kierowca jednego z nich miał pecha i z dużą siłą uderzył w kierownicę. Złamał rękę i przez kilka tygodni będzie musiał nosić gips. Jak nazwiemy taką sytuację? Wypadkiem samochodowym.

Wypadek drogowy - co robić? Sprawdzić, czy nikt nie potrzebuje pomocy, wezwać karetkę i policję, a na końcu lawetę.

A teraz inna stłuczka. Kierowca szuka wolnego miejsca na parkingu. Nagle w jego piękne, nowe, wypolerowane auto uderza z impetem stary dostawczak. Bum! Zderzak samochodu jest pogruchotany, lampy roztrzaskane, maska złożyła się harmonijkę. Jednak kierowcy wychodzą z tego bez szwanku. Nie mają żadnego zadrapania, zerow siniaków. Ale ich samochody nadają się do kapitalnego remontu. Ba! Osobówki nawet nie da się uruchomić. Właściciel pojazdu będzie musiał wezwać holownik. Kierowcę busa też czeka poważny remont, więc profesjonalna pomoc drogowa może okazać się niezbędna. Ale, ale… Pozostaje pytanie, czy to zdarzenie możemy nazwać kolizją czy wypadkiem? Pomimo dużych uszkodzeń pojazdów, nikomu nic się nie stało. Jest to więc kolizja.

Wypadek samochodowy - co robić?

Stłuczka może wydarzyć się w każdym miejscu - na drodze, na drodze publicznej, na drodze osiedlowej, na autostradzie lub na drodze w lesie czy w środku pola, ale też na parkingu w centrum miasta lub na parkingu podziemnym. Niestety podczas wypadku samochodowego są ranni - lekko lub nawet śmiertelnie. I to im należy w pierwszej kolejności udzielić pierwszej pomocy.

Pierwsza pomoc po wypadku

Pamiętajmy! Zgodnie z artykułem 162 Kodeksu karnego mamy obowiązek udzielić pierwszej pomocy każdej osoby, która jej potrzebuje. Tłumaczenie, że nie wiem jak to zrobić nie jest żadnym wytłumaczeniem. Z odpowiedzialności nie zwalnia nas też strach przed tym, że możemy zrobić komuś krzywdę.

Art. 162 Kodeksu karnego

§ 1. Kto człowiekowi znajdującemu się w położeniu grożącym bezpośrednim niebezpieczeństwem utraty życia albo ciężkiego uszczerbku na zdrowiu nie udziela pomocy, mogąc jej udzielić bez narażenia siebie lub innej osoby na niebezpieczeństwo utraty życia albo ciężkiego uszczerbku na zdrowiu, podlega karze pozbawienia wolności do lat 3.

§ 2. Nie popełnia przestępstwa, kto nie udziela pomocy, do której jest konieczne poddanie się zabiegowi lekarskiemu albo w warunkach, w których możliwa jest niezwłoczna pomoc ze strony instytucji lub osoby do tego powołanej.

Zasad udzielania pierwszej pomocy możemy nauczyć się na licznych kursach. Umiejętności przydadzą nam się w razie wypadku. Ponieważ każdy, kto bez narażenia własnego zdrowia i życia, może udzielić pierwszej pomocy - ma obowiązek to zrobić.

Co ważne, udzielamy pomocy bez narażania siebie lub innej osoby na utratę życia lub odniesienie obrażeń. W innym przypadku za bezczynność możemy spodziewać się kary - nawet 3 lat za kratkami.

Jeżeli z powodu stresu nie pamiętamy co robić - na przykład w jakiś sposób rozpocząć resuscytację - możemy poprosić o instrukcję operatora numeru alarmowego (112, 997, 998, 999). Przecież w takiej sytuacji i tak wzywamy pomoc, podajemy informacje o tym w jakim stanie są poszkodowani, możemy więc dowiedzieć się też, co robić. A potem działać!

Wypadek - gdzie zadzwonić?

W razie wypadku możemy zadzwonić na numer alarmowy 112 lub na pogotowie. Na miejsce powinna też szybko dotrzeć policja. Funkcjonariusz będą musieli ustalić okoliczności zdarzenia, spiszą zeznania uczestników i świadków kraksy. Zadbają też o zabezpieczenie miejsca zdarzenia To my - jako uczestnicy wypadku - musimy w pierwszej kolejności włączyć w samochodzie światła alarmowe i ustawić na drodze trójkąt bezpieczeństwa.

W razie stłuczki nie zawsze musimy zadzwonić po policję.

Przybyli na miejsce policjanci mogą uznać, że na trasie trzeba zamknąć cały ruch. Wtedy zablokują drogę i pokierują kierowców na objazdy. Mogą też wprowadzić na trasie ruch wahadłowy - będzie on obowiązywał od kilkunastu minut do kilku godzin. Wszystko zależy od tego w jakim stanie będą uczestnicy wypadku oraz ich pojazdy. Droga może być częściowo zablokowana także na czas załadunku samochodów na lawety.

Kolizja na drodze lub na parkingu

W porównaniu do wypadku, kolizja wydaje się mniej straszna. Chyba, że mamy bardzo zniszczony samochód, albo sprawca ucieknie lub to my jesteśmy winni sytuacji - wówczas mamy wiele powodów do stresu. Lepiej jednak wziąć głęboki oddech i po prostu działać.

Po pierwsze. Sprawdźmy jak czują się uczestnicy zdarzenia. Jeśli wszystko jest w porządku, usuńmy nasz pojazd na pobocze. To bardzo ważna zasada podczas stłuczki. O ile podczas wypadku nie możemy ruszać pojazdu, to po kolizji musimy postarać się natychmiast udrożnić przejazd. Chyba, że nasz samochód jest na tyle uszkodzony, że nie możemy nawet odpalić silnika. Zanim wezwiemy lawetę, sprawdźmy, czy nie potrzebujemy pomocy policji.

 

Po kraksie ustawmy na drodze trójkąt bezpieczeństwa. Dzięki temu ostrzeżemy innych kierowców przed niebezpieczeństwem na drodze.

Kolizja - kiedy po policję?

Po stłuczce policję wzywamy, gdy:

  • sprawca nie posiada przy sobie polisy OC,
  • sprawca nie posiada przy sobie prawa jazdy,
  • sprawca nie posiada przy sobie dowodu rejestracyjnego samochodu,
  • samochód sprawcy nie ma aktualnego przeglądu,
  • wyczujemy woń alkoholu od sprawcy kolizji,
  • sprawca uciekł lub mamy obawy, że zaraz to zrobi,
  • sprawca wszczyna awanturę lub zaczyna nam grozić.

Uwaga! Od 1 października kierowcy nie muszą posiadać przy sobie dowodu rejestracyjnego i polisy OC. Nie dostaną już z tego powodu mandatu. Teoretycznie nie musimy się obawiać, gdy sprawca nie przedstawi nam tego dokumentu. Możemy bowiem sami sprawdzić, czy wykupił on obowiązkowe ubezpieczenie, korzystając z internetowej wyszukiwarki polis. Znajduje się ona na stronie Ubezpieczeniowego Funduszu Gwarancyjnego w zakładce “baza OC i AC”.

Tyle teoria. W praktyce możemy mieć poważne problemy z uzyskaniem odszkodowania od firmy ubezpieczeniowej. Przepisy o braku wymaganych dokumentów są nowe i jeszcze nie jest wiadomo jak pracownicy towarzystw poradzą sobie z oświadczeniami sprawców stłuczek, w sytuacji, gdy w dokumencie będzie brakować podstawowych danych - na przykład numeru polisy.

Dlatego, gdy sprawca nie ma przy sobie dokumentów, po stłuczce lepiej wezwać policjantów, którzy spiszą notatkę służbową.

Gdy sprawca kolizji i poszkodowany kierowca nie mogą dojść do porozumienia, powinni wezwać policję.

Stłuczka - co na to sprawca?

Zawsze warto jest załatwić sprawę polubownie - także ze sprawcą kolizji. To opłaca się obu stronom. Jeśli poszkodowany nie wezwie policji, sprawca nie dostanie mandatu. Gdy zaś winny bez oporów wypełni i podpisze “oświadczenie sprawcy szkody”, to poszkodowany może od razu zgłosić się do ubezpieczyciela i szybko otrzymać odszkodowanie.

Przy “dogadywaniu się” trzeba pamiętać o kilku zasadach. Najważniejsza to: nigdy nie rozliczać się gotówką.

Dlaczego nie brać pieniędzy od sprawcy kraksy:

  • po kolizji na drodze poszkodowany nie jest w stanie ocenić wszystkich zniszczeń - takiego przeglądu można dokonać tylko w warsztacie samochodowym,
  • przyjmując pieniądze od sprawcy poszkodowany ryzykuje, że w razie potrzeby będzie musiał pokryć wyższe koszty naprawy z własnej kieszeni,
  • likwidując szkodę z polisy OC poszkodowany może otrzymać nawet wyższe odszkodowanie niż początkowo ocenił straty,
  • poszkodowany ma prawo domagać się pokrycia z polisy OC kosztów wynajmu lawety oraz samochodu zastępczego,
  • gdy poszkodowany w żaden pisemny sposób nie potwierdził, że przyjął od sprawcy pieniądze na reperację samochodu, może po czasie zgłosić policji kolizję z uwagą, że winny uciekł z miejsca zdarzenia.

Oświadczenie sprawcy kolizji - jak napisać?

Wzór oświadczenia sprawcy kolizji można łatwo przygotować samemu. Taki dokument najlepiej opracować już wcześniej, czyli zanim usiądziemy za kółkiem i ruszymy w podróż. Wydrukowane oświadczenie wraz z długopisem włóżmy w samochodzie do schowka. Wyjmiemy je w razie potrzeby. Wówczas będziemy musieli tylko uzupełnić wszystkie rubryki.

Wzór oświadczenia sprawcy szkody powinniśmy mieć przygotowany na wszelki wypadek i schowany w skrytce w samochodzie. Jeżeli często jeździmy za granicę przygotujmy awaryjnie oświadczenie sprawcy szkody w języku angielskim.

W oświadczeniu powinniśmy podać dane sprawcy szkody:

imię i nazwisko,

  • adres,
  • kategoria i numer prawa jazdy,
  • rodzaj dowodu tożsamości, numer i seria,
  • numer telefonu (najlepiej komórkowego).

Następnie po wyrażeniu “Oświadczam, że” powinien się znaleźć opis tego, do czego przyznaje się sprawca kolizji. W tym miejscu nie może zabraknąć daty, godziny i dokładnego opisu miejsca zdarzenia (nazwa miejscowości i ulicy).

W oświadczeniu wpisujemy też informacje na temat samochodów poszkodowanego i sprawcy:

  • marka,
  • numer rejestracyjny,
  • imię, nazwisko, adres właściciela pojazdu,
  • numer polisy OC, nazwa firmy ubezpieczeniowej, data ważności polisy,
  • opis szkód w pojeździe.

Na koniec dokładnie opiszmy przebieg zdarzenia oraz (jeśli posiadamy) podajmy dane świadków - imię, nazwisko, adres zamieszkania, numer telefonu. Nie zaszkodzi też narysować, jak wyglądała sytuacja na drodze w chwili kraksy. Jest to tzw. szkic sytuacyjny i może być on szczególnie przydatny, gdy do kolizji doszło na przykład na kilkupasmowym rondzie lub skrzyżowaniu.

Kolizja, wypadek - dowody, zdjęcia

Do uzyskania odszkodowania oprócz oświadczenia sprawcy szkody przydadzą nam się zdjęcia samochodów, biorących udział w zdarzeniu oraz miejsca, w którym doszło do stłuczki. Wystarczy, że zrobimy fotografie telefonem. Jeśli podczas jazdy korzystamy z wideorejestratora, zachowajmy nagranie. Może ono być bardzo przydatne dla firmy ubezpieczeniowej.

Do uzyskania odszkodowania przyda nam się też rachunek z firmy transportowej, która zajęła się holowaniem naszego samochodu. Faktura za wynajem lawety może być też potrzebna sprawcy szkody, który także ma prawo ubiegać się o zwrot gotówki. Pieniądze powinna wypłacić mu firma ubezpieczeniowa, w której wykupił polisę AC (autocasco). Zanim skorzysta z tej opcji, a nawet zanim wezwie pomoc drogową, powinien sprawdzić kiedy ma prawo domagać się z tego tytułu rekompensaty. Zamiast najdroższej na rynku, lepiej wybrać solidną firmę transportową z uczciwym stawkami. Wtedy z pewnością nie będzie problemów z ubezpieczycielem.

Gdy sprawca kolizji i poszkodowany kierowca dojdą do porozumienia, mogą wezwać lawetę. Kontakt do holownika, dobrze jest mieć zapisany na przykład w telefonie.

Stłuczka a zniżki oc

Kiedy już poszkodowany dotrze do domu i trochę ochłonie, powinien niezwłocznie zgłosić sprawę do towarzystwa, które wystawiło polisę OC sprawcy. Lepiej nie odkładać tego na później, bo wtedy dłużej można czekać na pieniądze. A przecież chcemy szybko mieć znów sprawne auto. Poza tym firmy oczekują, że poszkodowany niezwłocznie powiadomi ich o zdarzeniu. Przy czym niezwłocznie dla jednych oznacza 24 godzin, a dla innych - nawet siedem dni.

Od chwili dostarczenia pełnej dokumentacji do ubezpieczyciela - co może się odbyć także za pośrednictwem internetu - przedstawiciele przedsiębiorstwa mają 30 dni na podjęcie decyzji w sprawie odszkodowania i wypłatę pieniędzy.

Poszkodowany dostanie kasę, a sprawca kolizji będzie musiał zapłacić więcej za kolejną polisę OC. Prawdopodobnie cena wzrośnie o 10 procent, ale to tylko przypuszczenia. Ubezpieczyciele stosują różne kryteria przyznawania zwyżek i zniżek. W takiej sytuacji kierowca może tylko szukać najtańszej oferty.

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