...ROAD ACCIDENT

it is unessential to you to submit all documents at once, they can be prepared within 3-5 days. However, the earlier you will submit all necessary documents, the receive indemnification payment earlier. The majority of the insurance organisations indemnifies a loss within 15 days. After giving of all documents the insurance organisation examines. If examination is not spent within 15 days, you have the right to demand damage compensation for delay.
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What payments are made at road accident on ОСАГО? In this case all depends on initial cost of the car. The insurance organisation is obliged to refund expenses on restoration of the car to that condition in which it was before incident.

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It is necessary to consider that cost of insurance ОСАГО raises after each road accident. Cost of the insurance after road accident pays off so. If within 1 year you at least time has got to road accident and have received payment on ОСАГО, next year insurance cost increases on 55 % if has occurred two failures - on 145 %.
Certainly, you can bypass these tariffs, having replaced the insurance organisation and having issued the car on other proprietor.
However, if employees of the insurance organisation know that the car already got to road accident last year, contract ОСАГО is cancelled.
However it is necessary to recognise that ОСАГО not only increases cost of the insurance after road accident, but also encourages drivers for accident-free driving. For example, if last year your car never got to road accident, next year insurance cost decreases on 5 %, and in 10 years of accident-free driving - on 50 %.