Russian insurance practice

I really want to know the foreign insurance practice when car owners insure their vehicles. Do they have to present to their insurance companies in cases of insured event such a huge amount of different documents as Russian assured have to?

Yesterday someone bumped into the rear bumper of my car and disappeared. My car is insured, but it’s a difficult task to get money. The most difficult thing is getting a certificate about traffic accident from the traffic police (GIBDD). I’m sure that I will spend almost a whole day in their office in queues filling in different applications. And the most horrible thing is the police attitude towards people. They will insult and show that they have a power and you are junk and wasting their time…

Sometimes I think that the Russian insurance companies use this quality of the traffic police (GIBDD) to reduce the amount of claimed insured events.