Starting in 2013, everyone in public transport may not have to worry about getting injured or damaged luggage, because from 01.01.2013 a special law came into force.
This is the Federal Law “On compulsory insurance of civil liability of a carrier for causing harm to life, health, property of passengers and on the procedure for compensation for such damage caused during transportation of passengers by subway” dated June 14, 2012 as amended.
What types of vehicles does passenger insurance apply to?
The regulatory document says that passenger insurance is a prerequisite for the provision of services for the transportation of people on all types of vehicles, with the exception of car taxis .
People using taxi services do not have to worry about their safety. Regarding passenger taxis, carrier liability is governed by other laws, one of which is Federal Law of 08.11.2007 N 259-ФЗ “Charter of Road Transport and Urban Ground Electric Transport”.
If a person was injured during a trip in the subway, then in this option, the carrier agrees to pay the damage.
If the passenger has been damaged and there is no insurance, the transport company must independently resolve this issue with the victim. However, passengers should understand that insurance is paid only if they are injured in a subway car.
Bus passenger insurance is especially important today. Often when traveling people get injured in accidents and require help with treatment.
Approximately sixty organizations provide public transport insurance services on the insurance market. Separately, passengers do not need to spend money on a special policy, because insurance is paid automatically when buying a ticket.
If the carrier does not have insurance, and it is not documented that it is responsible for passenger safety, then it will be deprived of a license and a fine of up to 1 million rubles will be imposed.
The amount for which passengers staying in public transport are insured
Tariffs are completely different for different types of transport. The highest cost at sea and it ranges from 22.48 rubles to 45.25 rubles. The cheapest insurance for commuter trains , their size becomes 0.07-0.15 rubles.
Payments from insurers are made to the injured person or his relatives. All payments are made only after it has been proved that the death or personal injury of a passenger occurred on a bus, train, plane or other form of public transport.
Compensation for victims
The amounts that are refunded to passengers are truly impressive. We list only a few of them:
The usual bruise is estimated at 200 rubles;
Concussion – 60,000 rubles;
Leg fracture – 240 000 rubles;
The loss of a child during pregnancy is 1,000,000 rubles.
If a person died during the trip, then his relatives should be paid compensation in the amount of 2,000,000 rubles. The same amount is paid to victims who after the accident received group I disability, or whose children became disabled.
In addition, the company must pay for the property of passengers, which was also damaged.
Documents confirming the insured event
The main document confirming that the person was a passenger in a vehicle that had an accident is a ticket. Therefore, there is no need to rush to throw away or wrinkle the ticket until you get off the bus or other vehicle.
On such a ticket, numbers are indicated by which you can find out all the information about the carrier. If this document was lost, the insurance company may use other evidence that the injuries to the injured were received in the vehicle. For example, video surveillance is such evidence.
In any case, the insurer will pay the damage, but only after it has checked all the facts of the accident.
Where to go and who to contact when injured due to an accident?
After an accident, injured passengers should contact the vehicle driver directly. On the offensive, this is the first person to call medical personnel and law enforcement agencies.
The driver must also provide the passenger with an act stating that he was injured while traveling. And he will give the necessary information and contact numbers of the insurance company, which will cover all expenses for the treatment.
You can contact the insurance company for a refund when a convenient time appears. There is no precisely regulated term.
To receive compensation, the victim should write a statement addressed to the insurance company. A medical document must be attached to such a statement, with the indicated diagnosis and the injuries received.
Documents confirming the purchase of medicines and treatment will not be superfluous. It may be necessary to find eyewitnesses who can testify that the injured person was actually injured in an accident.
The person contacting the insurer must be prepared for the fact that he will have to undergo an examination. This is done to establish the degree of damage.
If the carrier does not have insurance, this does not mean that the victim will not be able to receive compensation. In this case, the transport company should pay damage from its own funds.
If the victim is answered with a refusal to his demand, he can safely contact the transport supervision service. Due to the refusal to pay damages, the carrier may lose the license and will no longer be able to carry out its activities.
Lawyer talks about the intricacies of passenger insurance