Resolution of the Board of the Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market dated October 27, 2023 No. 83#

Official source: Adilet / https://adilet.zan.kz/rus/docs/V2300033652
Edition validity verified: 2026-10-06.

Rules, Conditions, and Timeframes for the Simplified Settlement of Insurance Cases (Europrotocol)#

Chapter 1. General Provisions#

1. These Rules determine the procedure, conditions, and timeframes for the simplified settlement of insurance cases under compulsory motor third-party liability insurance without calling police officers (Europrotocol).

2. Europrotocol may be executed upon concurrent presence of the following conditions:

1. the traffic accident occurred involving only two vehicles;
2. no harm was caused to the life or health of third parties;
3. both drivers possess valid MTPL policies registered in the Unified Insurance Database (USDB);
4. there is no disagreement between the drivers regarding the circumstances of the accident, vehicle damage, and determination of the responsible driver;
5. the estimated amount of property damage to the vehicle of the non-fault driver does not exceed 100 monthly calculation indices (MCI).

Chapter 2. Digital Declaration Procedure#

3. The declaration of the simplified settlement is drawn up in electronic form through a mobile application integrated with the USDB.
4. Both drivers authenticate using digital signature or SMS verification, input photo/video recordings of the accident scene, damage details, and geolocation data.
5. Within 30 minutes from submission, the automated system validates policy data and generates a unique case registration number.

Chapter 3. Inspection and Claim Payout#

6. Inspection of the damaged vehicle is carried out through digital photographic assessment in the mobile application.
7. The insurer makes the insurance payout within 5 working days from the date of receipt of the completed electronic claim declaration.