Since 2013, everyone who is in public transport can not worry about getting injured or damaged baggage, because a special law came into force on 01/01/2013.
This is the Federal Law “On Compulsory Insurance of a Civil Liability of a Carrier for Damage to Life, Health, and Property of Passengers and on the Procedure for Compensation of Such Damage Caused While Carrying Passengers by the Metro” dated June 14, 2012, as amended.
What types of transport does passenger insurance cover?
The regulatory document says that passenger insurance is a prerequisite for the provision of services for the transport of people on all modes of transport, with the exception of car taxis .
People using taxi services do not have to worry about their safety. Regarding the passenger taxi, the carrier’s liability is regulated by other laws, one of which is Federal Law dated 08.11.2007 N 259-ФЗ “Charter of Automobile Transport and Urban Ground Electric Transport”.
If a person suffered during a trip to the subway, then in this variant the carrier undertakes to pay the damage.
If the passenger is injured and there is no insurance, the transport company must independently settle the matter with the victim. However, passengers should understand that insurance is paid only if they are injured in a subway car.
Insurance of passengers of buses today is especially important. Often, when traveling, people suffer damage in accidents and require assistance in treatment.
Approximately sixty organizations provide passengers with public transport insurance in the insurance market. Separately spend money on a special policy, passengers do not need to, because insurance is paid automatically when you buy a ticket.
If the carrier does not have insurance, and it is not documented that it is not responsible for the safety of passengers, then it will be deprived of a license and will be fined to reach 1 million rubles.
The amount for which passengers are insured in public transport
Tariffs are completely different for different types of transport. The biggest cost is on the sea and it ranges from 22.48 rubles to 45.25 rubles. The cheapest insurance in suburban trains , their size becomes 0.07-0.15 rubles.
Payments from insurers are made to the injured person or his family. All payments are made only after it was proved that the death or injury of the passenger occurred while traveling by bus, train, plane or other form of public transport.
Compensation for victims
The amounts that are reimbursed to passengers are really impressive. We list only some of them:
An ordinary bruise is estimated at 200 rubles;
A concussion – 60 000 rubles;
Fracture of the leg – 240,000 rubles;
Loss of a child during pregnancy – 1 000 000 rubles.
If a person died while traveling, 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 of the transport, which had an accident, is a travel ticket. Therefore, do not rush to throw out or knead the ticket until you get off the bus or other vehicle.
This ticket shows the numbers by which you can find all the information about the carrier. If this document has been lost, the insurance company may use other evidence confirming that injuries to the injured were received in the vehicle. For example, such evidence is video surveillance.
The insurer in any case will pay the damage, but only after verifying all the facts of the accident.
Where to go and who to contact when receiving injuries due to an accident?
After an accident, injured passengers should contact the driver of the vehicle directly. When an offensive is the first person to call medical workers and law enforcement.
Also, the driver must provide the passenger with an act that states that he was injured while traveling. And he will give the necessary information and contact numbers of the insurance company, which will assume all costs for treatment.
You can contact the insurance company for a refund when the moment is right. There is no precisely regulated period.
To get compensation, the victim should write a statement in the name of the insurance company. To such a statement, you must attach a medical document with the specified diagnosis and injuries.
Do not be redundant and documents confirming the purchase of drugs and treatment. It may be necessary to find eyewitnesses who can testify that the injuries of the victim were actually received in an accident.
The person who applied to the insurer must be prepared for the fact that he will have to pass the 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 must pay damages from its own funds.
If the victim is denied his request, 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.