home » Water purification » Compulsory personal insurance for passengers. Compulsory personal insurance for passengers Insured for compulsory personal insurance for passengers

Compulsory personal insurance for passengers. Compulsory personal insurance for passengers Insured for compulsory personal insurance for passengers

In order to ensure the protection of the interests of citizens, it was decided:

1. Introduce on the territory of the Russian Federation compulsory personal accident insurance for passengers of air, sea, inland water and road transport, as well as tourists and sightseers making intercity excursions through tourist and excursion organizations, for the duration of the trip (flight).

Compulsory personal insurance does not apply to passengers:

all types of international transport;

railway, sea, inland waterway and suburban road transport;

sea and inland water transport of intracity communications and crossings;

automobile transport on city routes.

2. Establish that before the entry into force of the law of the Russian Federation regulating the issues of providing insurance protection for passengers (tourists, excursionists), compulsory personal insurance of these persons is carried out by concluding, in the manner and under the conditions provided for by the legislation of the Russian Federation, contracts between the relevant transport, transport - forwarding companies (hereinafter referred to as carriers) and insurers. Licenses to carry out this type of compulsory insurance are issued to insurers in the manner prescribed by law.

Insurers are obliged to ensure that each person insured by them is informed of the rules for conducting compulsory personal insurance of passengers (tourists, excursionists), including the place, procedure and conditions for receiving insurance payments upon the occurrence of an insured event.

3. The size of the insurance tariff for compulsory personal insurance of passengers (tourists, excursionists) of air, railway, sea, inland waterway and road transport is established by insurers in agreement with the Ministry of Transport of the Russian Federation, the Ministry of Railways of the Russian Federation, respectively, and approved by the federal executive body for supervision for insurance activities.

The amount of the insurance premium is included in the cost of the travel document (voucher) and is charged to the passenger (tourist, excursionist) upon sale of the travel document (voucher). Passengers (tourists, excursionists) enjoying the right of free travel in the Russian Federation are subject to compulsory personal insurance without paying an insurance premium.

4. Establish the insurance amount for compulsory personal insurance of passengers (tourists, excursionists) in the amount of 120 minimum wages established by law on the date of purchase of the travel document.

If a passenger (tourist, excursionist) is injured as a result of a transport accident, a portion of the insurance amount corresponding to the severity of the injury is paid. In the event of the death of the insured person, the insured amount is paid in full.

The insurance amount for compulsory personal insurance of passengers (tourists, excursionists) upon the occurrence of an insured event is paid regardless of the payment of monetary amounts to the insured persons or their heirs in connection with the same event on other grounds provided for by the legislation of the Russian Federation.

Insurance payment for compulsory personal insurance of passengers (tourists, excursionists) is made to the insured person or his heirs no later than 10 days after the insurer receives a report drawn up by the carrier on an accident that occurred on transport with the insured person, and other necessary documents provided for by the rules for conducting this type of compulsory insurance.

5. The carrier is obliged to draw up a report on each accident that occurred on transport with an insured passenger (tourist, excursionist), the first copy of which should be handed over to the insured person, his representative or heirs. The carrier is also obliged, at the written request of the insurer, to send him a copy of the specified act within 10 days from the date of receipt of the request.

6. Establish that part of the insurance premiums received by insurers when carrying out compulsory personal insurance of passengers (tourists, excursionists), in the manner prescribed by law, is used to create reserves to finance measures to prevent accidents in transport.

7. The procedure for mutual settlements for compulsory personal insurance of passengers (tourists, excursionists) is determined by insurers together with the Ministry of Transport of the Russian Federation, the Ministry of Railways of the Russian Federation and other interested departments and legal entities.

1.2. Legislation on certain types of personal insurance for passengers.

Insurance for public railway transport.

1. Passengers are subject to compulsory insurance while traveling on long-distance trains.

2. Employees of public railway transport, when performing their work duties, are subject to compulsory social insurance against industrial accidents and occupational diseases.

3. Employees of public railway transport and heads of public railway transport organizations whose permanent work is traveling in nature, who are sent on business trips to certain areas where a state of emergency has been declared, or who carry out control and inspection functions on trains, as well as railway workers public transport, those taking part in testing vehicles on railway transport, and departmental security workers for the period of performance of their official duties are subject to compulsory insurance.

Mandatory liability insurance of the carrier to the passenger of the aircraft.

1. The carrier is obliged to insure liability for damage caused to the life and health of an aircraft passenger, as well as for damage caused to baggage and belongings carried by the passenger.

2. The insurance amount for each aircraft passenger provided for by the passenger’s life and health insurance contract is established in the amount of no less than one thousand minimum wages established by federal law on the day the ticket is sold.

3. The insured amount provided for in the baggage insurance contract is set at no less than two times the minimum wage established by federal law per kilogram of baggage weight.

The insurance amount provided for by the insurance contract for things carried by the passenger is set at no less than ten times the minimum wage established by federal law.

4. When carrying out international flights by aircraft, insurance of the carrier’s liability to passengers of the aircraft, including liability for loss, shortage or damage (spoilage) of baggage, as well as things carried by passengers, is mandatory. The amount of the insurance amount should not be less than the amount provided for by international treaties of the Russian Federation or the legislation of the relevant foreign state.

insurance fee are considered insured:

Insurance rates for compulsory passenger insurance.

Since January 1, 1998, the following insurance rates for compulsory personal insurance of passengers have been in effect:

Transported by air – 2 rubles;

Transported by rail – 2.3 rubles;

Transported by sea – 0.1 rub.;

Transported by inland water transport – 0.6 rubles;

Transported by road – 1.5 rubles.

2. The program of compulsory personal insurance for passengers transported by road in intercity traffic.

I. Basic conditions

The implementation of compulsory personal insurance for passengers transported by road in intercity traffic is regulated by Decree of the President of the Russian Federation dated 07.07.92 No. 750 “On compulsory personal insurance of passengers” (with subsequent amendments and additions).

The object of insurance is property interests associated with the life and health of passengers transported by road transport in intercity traffic.

Intercity transportation includes transportation carried out outside the city (another populated area) at a distance of more than 50 km.

Compulsory personal insurance does not apply to passengers of international motor transport, suburban transport, or on city routes.

Policyholders are transport (forwarding) enterprises (carriers) that have entered into contracts in the manner and on the terms provided for by the legislation of the Russian Federation with insurance organizations that have the appropriate license to conduct this type of compulsory insurance.

Insured persons: passengers transported by road transport in intercity traffic.

P. Insurance cases

The insurance period is the period from the moment the insured passenger leaves the platform (landing area) to board the vehicle and until the moment he is left at the destination.

Insured events are the following events, if they are confirmed by the Transport Accident Report:

Death of the insured as a result of a transport accident;

Injuries of the insured person as a result of a transport accident.

Sh. Sum insured and insurance premium

Sum insured for compulsory personal insurance of passengers is determined in the amount of 120 minimum wages established by law on the date of purchase of the travel document.

In accordance with Article 4 of the Federal Law of the Russian Federation dated June 19, 2000 No. 82-FZ “On the minimum wage” and Article 3 of the Federal Law of the Russian Federation dated August 7, 2000 No. 122-FZ “On the procedure for establishing the amounts of scholarships and social benefits in the Russian Federation" payment of scholarships, allowances and other mandatory social payments has been made since January 1, 2001, based on a base amount of 100 rubles.

Insurance fee for compulsory personal insurance of passengers transported by intercity road transport, it is set at 1.5 rubles.

Insurance tariff structure. Approved by a letter from Rosstrakhnadzor dated September 25, 1996. No. 02-04-08/4 (in agreement with the Ministry of Transport of Russia) the following structure of the insurance tariff (as a percentage of the gross rate):

net rate - 20;

contributions to the reserve of preventive measures - 70;

expenses for conducting business – 10.

IV. Insurance payments

Insurance payment carried out by the Insurer within 10 days from the date of receipt of all necessary documents.

If an insured event occurs during the insurance period, the Policyholder is obliged to draw up a report on the accident that occurred with the passenger, the first copy of which should be handed over to the victim, his representative or heir.

To receive the insurance amount in connection with an insured event, the victim (representative, heirs) presents the following documents:

Transport Accident Report;

An application indicating the place of purchase of the travel document;

Travel ticket or a document replacing it;

Document from a medical institution: copies of sick leave, an extract from the medical history or a certificate confirming the fact of injury;

Certificate from the Civil Registry Office or a copy thereof, certified by a notary, on the death of the insured passenger;

Certificate of the notary's office on the right to inheritance.

If the insured person is injured as a result of a transport accident, a portion of the insurance amount corresponding to the severity of the injury is paid.

The amount of insurance payment in case of injury is determined in accordance with the Methodological Instructions “On the procedure for determining and paying insurance amounts in connection with insurance events” dated November 3, 1992 No. 21.

In the event of the death of the insured person, the insurance amount is paid to his heirs in full.

The insurance amount for compulsory personal insurance of passengers upon the occurrence of an insured event is paid regardless of the payment of money to the insured persons or their heirs in connection with the same event on other grounds provided for by the legislation of the Russian Federation.

The insurer has the right to refuse to pay insurance coverage in cases provided for by the Legislation of the Russian Federation.

Bibliography.

1. “Air Code of the Russian Federation” dated March 19, 1997 No. 60-FZ

2. “Rules for the transportation of passengers, baggage and cargo on air lines”

Our specialists will advise or provide tutoring services on topics that interest you.
Submit your application indicating the topic right now to find out about the possibility of obtaining a consultation.

Compulsory personal accident insurance applies to passengers, tourists and excursionists on a trip. It is carried out on the basis of the Law of the Russian Federation “On the organization of insurance business in the Russian Federation” and the requirements established by Decrees of the President of the Russian Federation “On the main directions of state policy in the field of compulsory insurance” No. 607 of 06.04. 1994 and “On compulsory personal insurance of passengers” No. 750 of 07.07. 1992, which regulate the conditions for carrying out compulsory personal accident insurance on the territory of Russia for passengers of air, rail, sea, inland water and road transport, as well as tourists and sightseers making international excursions through tourist and excursion organizations, for the duration of the trip ( flight). Insurance is carried out by insurers who have received a special state license to carry out such insurance operations. Such insurance does not apply to passengers of: all types of international transport; railway, sea, inland waterway and suburban road transport; sea and inland water transport of intracity communications and crossings; automobile transport on city routes.

Compulsory personal insurance of passengers (tourists, excursionists) is carried out by concluding, in the manner and under the conditions provided for by the legislation of the Russian Federation, contracts between the relevant transport, freight forwarding enterprises (carriers) and insurance companies licensed by Rosstrakhnadzor to carry out this type of compulsory insurance. The size of the insurance tariff is established by insurers in agreement with the Ministry of Transport of the Russian Federation, the Ministry of Railways of the Russian Federation, and approved by the Federal Service of Russia for Supervision of Insurance Activities.

The amount of the insurance premium is included in the cost of the travel document or voucher and is charged to the passenger (tourist, excursionist) upon sale of the travel document (voucher). Passengers enjoying the right of free travel in the Russian Federation are subject to compulsory personal insurance without paying an insurance premium.

The insurance amount for compulsory personal insurance of passengers is currently set at 120 times the minimum wage, determined by law on the date of purchase of the travel document. If a passenger is injured as a result of a transport accident, a portion of the insurance amount corresponding to the severity of the injury is paid. In the event of the death of the insured person, the insurance amount is paid to his heirs in full. The insurance amount for compulsory personal insurance of passengers upon the occurrence of an insured event is paid regardless of the payment of money to the insured persons or their heirs in connection with the same event on other grounds provided for by the legislation of Russia.

Part of the insurance premiums received by insurers when providing compulsory personal insurance for passengers is used to create reserves to finance measures to prevent accidents in transport. The procedure for mutual settlements for compulsory personal insurance of passengers is determined by insurers together with the Ministry of Transport of the Russian Federation, the Ministry of Railways of the Russian Federation and other interested departments and legal entities.

The insurance company is obliged to familiarize the insured person (passenger) with the insurance rules and provide full information about the place, procedure and conditions for receiving insurance payments in the event of an insured event.

In accordance with the established procedure, the interests of the passenger when concluding a compulsory insurance contract are represented by the transport organization. The objects of insurance are the property interests of insured passengers related to their life and health. The insurance contract covers the duration of the trip (from the moment of announcement of boarding a passenger train until the moment of leaving the station or destination station, but no more than within one hour after the arrival of the passenger train).

Insured events are injuries or death of a passenger as a result of a transport accident.

The insurer of passengers on railway transport is the carrier.

In the event of the death of the insured passenger, the heirs submit documents to the insurance company to receive the insurance amount. Demands for payment of the insurance amount can be presented to the insurer within three years from the date on which the insurer was supposed to make the insurance payment.

Personal fire and fire insurance is considered as compulsory or voluntary homeowners insurance. If fire and fire insurance is compulsory (abroad), then it covers all damages that occur as a result of the fire. The amount of insurance premiums is established solely depending on the cost of the insured object. Warranty insurance for certain professions is mandatory in some countries. It is necessary for certain persons of liberal professions, for example, accountants-auditors, notaries, etc. Insurance coverage extends to damage caused by other persons in the course of their professional activities. For example, a notary is required to enter into a warranty insurance agreement for certain professions, since the implementation of his activities is associated with a relatively high risk of damage (property damage) due to errors.

Health insurance

Health insurance is provided in two forms: voluntary and compulsory (a separate lecture is devoted to the issues of compulsory health insurance). They are based on different organizational, legal and economic principles. They differ in the number of parties involved in insurance, goals and operating conditions.

Voluntary health insurance is carried out in accordance with the requirements of the Laws of the Russian Federation “On Insurance” and “On Medical Insurance of Citizens in the Russian Federation” and provides for the conclusion of an agreement between the policyholder and the insurance company. Mutual obligations of the parties are regulated by the contract and current legislation. Voluntary health insurance is provided by insurance companies licensed for this type of insurance activity. They enter into insurance contracts under conditions that guarantee the organization and financing of medical services of a certain list and quality.

Insurers are capable citizens or legal entities - enterprises, organizations, etc. any organizational and legal form. The policyholder can insure himself or any other beneficiary.

Insurance contracts are concluded without a preliminary medical examination, but insurance is not accepted for citizens registered in drug treatment, tuberculosis, and dermatovenerological dispensaries.

One of the subjects of insurance relations in voluntary health insurance is a medical institution, in which the insurer pays for the treatment of the beneficiary. The list of such institutions is limited by the insurance contract, but by agreement with the insurer, the policyholder or beneficiary may receive paid or partially paid medical services and treatment in an institution that is not on the list attached to the insurance contract.

An insured event is the insured person's application to a medical institution in case of an acute illness, exacerbation of a chronic disease, injury, poisoning and other accidents to receive advisory, preventive and other assistance that requires the provision of medical services within the list provided for in the insurance contract during the validity period of the contract.

The insured person's visit to a medical institution regarding: traumatic injury in a state of alcohol, drug or toxic intoxication is not considered an insured event; traumatic injury or other health disorder resulting from the commission of an intentional crime; attempted suicide, etc. In addition, diseases that cannot be random in nature are not included in the list of insured risks. The insurer does not pay for treatment if medical services are received that are not covered by the insurance contract and provided in medical institutions that are not covered by the insurance contract.

Passenger insurance is one of the types of personal accident insurance. This type of insurance existed in Russia in voluntary and compulsory forms, but the compulsory one was abolished in 2013, but was later replaced by compulsory carrier liability insurance.

Compulsory passenger accident insurance

Compulsory passenger accident insurance was in force in Russia on the basis of the Decree of the President of the Russian Federation “On compulsory personal passenger insurance”, and in 2013 it was replaced by compulsory carrier liability insurance.

According to this decree, passengers transported by rail, air, road, and water transport on tourist and intercity routes were subject to insurance. Passengers of suburban and urban transport, as well as international traffic, were not required to be insured.

Note 1

The object of insurance was the health and life of passengers. The insurance covered the risks of injury, death and bodily harm resulting from an accident related to the trip.

The maximum payment, which is provided for by compulsory passenger accident insurance, according to the law, was one hundred and twenty minimum wages (minimum wage). The minimum wage at the time of the abolition of this type was one hundred rubles; accordingly, the amount of insurance was limited to twelve thousand rubles. This amount was paid in the event of the death of the passenger. In case of injury or injury, the amount of insurance compensation was calculated in proportion to the severity of the bodily injury received as a result of the accident.

The peculiarity of this type of personal insurance was that the duration of the insurance contract depended on the time during which the individual used any type of transport. Insurance began from the moment the vehicle was announced at the point of departure, and also ended at the point of arrival when the passenger left the station or bus station, but not more than one hour from the moment of arrival at the destination.

The insurers were the passengers themselves, who paid a premium for compulsory personal insurance when purchasing a travel ticket. In theory, their interests in processing such an insurance operation are represented by the carrier - the transport organization that chose the insurer and entered into an agreement with him on the implementation of this type of insurance. But in practice, the carrier acted as an agent of an insurance organization, interested in selling the maximum number of insurance policies, receiving a commission for these operations. A mandatory requirement for an insurance organization was to have a license to carry out passenger insurance activities. Passengers who were entitled to free travel were considered insured without paying an insurance premium.

In accordance with the order of the Ministry of Finance of the Russian Federation “On the amount of the insurance tariff for compulsory personal passenger insurance of railway, air, inland waterway, sea and road transport”, from 01.01.1998, the following tariffs were established for compulsory personal passenger insurance of persons transported by transport:

Air type - two rubles;
Railway type – 2 rubles 30 kopecks;
Marine type - 10 kopecks;
Inland water type – 60 kopecks;
Automobile type – 1 ruble 50 kopecks.

Tariffs for compulsory passenger insurance (excursionists, tourists) for railway, air, inland waterway, sea and road transport are established by Rosstrakhnadzor in coordination with the Ministry of Transport of the Russian Federation, the Ministry of Railways of the Russian Federation.

A significant part of the insurance premiums received by insurers during the implementation of compulsory passenger insurance, in the manner prescribed by law, is aimed at creating reserves to finance measures to prevent accidents on vehicles. For example, in the tariffs for compulsory passenger insurance of intercity road and rail transport, contributions to preventive measures funds amount to 70-90%.

Payments to injured persons during the term of this type of insurance accounted for too small a share of collected insurance premiums. Thus, at the peak of the development of this type of insurance in 2007, insurers collected 557.6 million rubles in insurance premiums and paid less than three million rubles in insurance payments.

Voluntary passenger accident insurance

Note 2

Voluntary passenger accident insurance differs from the mandatory type in that it is implemented on the basis of the voluntary expression of the will of the parties to conclude such an insurance contract.

Moreover, the main conditions of the insurance contract (amount of insurance; list of risks that are subject to insurance; tariffs for insurance and others) must be determined by the rules for voluntary passenger accident insurance developed by the insurance organization and agreed upon in an established manner with the authorities supervising activities in the field insurance.

Note 3

The peculiarity of this type of insurance is that the insured person does not receive the calculated amount that was spent on treatment, but the established payment for which he was insured (from one hundred fifty thousand to six hundred thousand rubles).

427 10/08/2019 5 min.

Insurance is a form of protection against risk. Has several types. In Russia there are compulsory and voluntary, personal and property. For each of them, the insurance object, the minimum threshold value of payments and the procedure for compensation for damage are determined.

A public transport passenger runs the risk of injury or damage to luggage. In this case, the protection of the citizen is carried out by specialized companies with which the carrier enters into a contract of compulsory civil liability insurance.

Basics and types of insurance for passengers when transported by public transport

Passenger insurance is considered a personal form of risk protection. Until 2013, it was mandatory in Russia. Since January 1, 2014, it has been replaced by civil liability insurance. There is also a combined type - a set of services. Under protection is:

passenger's property;
vehicle;
life;
civil liability for causing harm.

Liability insurance is regulated by Federal Law No. 67. Basic moments.

The contract is concluded for 12 months (at least) for all vehicles of the carrier.
Protection is not determined by the type of vehicle.
In the absence of an insurance contract, the carrier bears the same responsibility to the passenger as in the presence of one.
In case of evasion of liability, the owner of the vehicle fleet is charged money in the amount of the cost of the contract with the insurer.
The passenger has the right to receive information about the insurer in an accessible form: on the ticket, through a loudspeaker or upon request.
The contract price does not depend on the type of vehicle.

The passenger is insured from the beginning of the trip. The amount of payments is not affected by the driver’s fault, force majeure or other factors.

What types of transport are needed?

The following types of transportation must be insured:

railway transport – suburban, long-distance and international communications;
aircraft – airplanes on domestic and international flights, helicopters;
water transport, including inland;
bus service - city vehicles, suburbs and intercity;
other means - trolleybus, tram, monorail.

Types of carriers subject to insurance

Not insured:

Taxi;
metro

When traveling by metro, a passenger has the right to compensation for damage caused to life and health. Unlike other types of vehicles, payment is made from the carrier’s own funds. A citizen will receive compensation only if a risk occurs directly in the carriage.

Russian Railways LLC and Aeroflot PJSC were the first to undertake to insure passengers.

How much is insured?

If an accident occurs in public transport, a passenger has the right to count on the following payments:

death, disability of the 1st group – 2 million 25 thousand rubles;
miscarriage or premature birth resulting in death for the baby - 1 ml. rub.;
causing harm to health – up to 2 million rubles;
damage to property – 23 thousand rubles.

When a citizen dies, the relatives of the deceased receive compensation. If a child becomes disabled - his parents.

The amount of payment for personal injury is calculated in proportion to the severity of the condition. For example, for a broken limb, a passenger is owed up to 500 thousand rubles.

How to confirm the fact of traveling in a vehicle involved in an accident

The main supporting document is a travel ticket in physical or electronic form. In case of its absence:

bank statement indicating the name of the selling organization (when purchasing a plane ticket, for example);
an email from the carrier’s official website about cashless payment;
video recordings from surveillance cameras (if purchased with cash at a ticket sales point).

The physical presence of the passenger at the time of injury on public transport is in itself evidence. To use it, it is necessary to record the fact of contacting a medical organization by calling an ambulance team to the scene of the accident.

Where to go if you get injured

The injured passenger receives monetary compensation through the insurance company. Step-by-step instructions for action in case of injury on public transport.

Contact the driver, conductor, flight attendant, etc. Notify the person in charge of the fact of harm to health. Ask to call a medical professional.
Write down the vehicle number and telephone numbers of witnesses.
Obtain from the driver a special completed injury form. This can be done later with the carrier.
Undergo an examination to determine the severity of the harm to health.
Contact your insurance company.

If an injury occurs, a passenger may request payment of part of the compensation earlier than the established period (preliminary).

The victim's application is considered within 30 days. Then the funds are transferred to the specified account.

Agreement

The carrier is obliged to conclude an insurance contract if:

transports passengers;
its activities are regulated by a code or charter;
the number of citizens in the vehicle is more than 8 people.

The policyholder is the person who owns the vehicle with the right:

property;
leasing;
rent;
operational management.

The agreement is concluded in the prescribed form. Conditions may vary for domestic and international shipments.

The carrier organization and responsible officials face an administrative fine for the absence of an insurance contract. In case of refusal to provide information, a penalty will also be imposed on the passenger.

Passenger personal insurance

Personal insurance for passengers is a form of compulsory insurance. The carrier's civil liability also applies to all types of tourist and excursion activities.

A prerequisite for obtaining insurance is payment of a fee for the service provided (or travel). Citizens entitled to preferential or free transportation are exempt from this.

Personal insurance can be voluntary. In this case, the citizen receives not only compensation for harm to health, but also payment for treatment.

Contacting the insurance company is not tied to a specific time frame and is carried out at any time convenient for the passenger.

Baggage insurance

Civil liability insurance provides compensation for damage to the passenger's property. This does not take into account:

luggage cost;
its value;
necessity at a given time;
losses incurred as a result of the damage suffered.

Payment is made by the carrier based on weight. Fixed rates are specified in the documentation of the carrier and the insurance company. In the case of air travel, valuables (jewelry, furs, etc.) are registered in a separate declaration.

The passenger has the right to independently insure luggage against loss and damage, as well as against:

natural disaster;
damage;
military actions;
theft.

To do this, you need to contact a specialized company and conclude an agreement.

Results

The carrier's civil liability insurance is identical in legal status to compulsory personal insurance.
Passenger risks are eliminated in all types of transportation, except taxis and subways.
The conclusion of an insurance contract is mandatory for all organizations. Does not depend on the form of ownership, possession and vehicle.
Payments in case of injury are transferred from the funds of the insurance organization. Monetary compensation is directly proportional to the severity of the harm caused.
For the absence of a concluded contract and refusal to provide information on the issue, the carrier organization bears administrative liability in the form of a fine.
The passenger has the right to independently insure his life and property. This will not cancel the carrier’s responsibility to bear responsibility for his life and health.

Since January 1, 2013, the health and life, as well as property of passengers of any public transport are insured.

This change is introduced by the Federal Law of June 14, 2012 “On compulsory insurance of civil liability of the carrier for damage to life, health, property of passengers and on the procedure for compensation for such damage caused during the transportation of passengers by metro.”

This law establishes the minimum amounts of insurance payments and the procedure for receiving them.

On what types of transport do passengers need to be insured during transportation?

The Federal Law on Compulsory Carrier Civil Liability Insurance applies to all types of passenger transport with the exception of passenger taxis:

buses;
trolleybuses;
trams;
minibuses;
railway trains;
aircraft;
water transport;
metro (for which a special procedure has been established).

This law does not apply to passenger taxis. The carrier’s liability to the passenger in the case of a passenger taxi ride is regulated by other regulations, in particular Federal Law No. 259-FZ of November 8, 2007 “Charter of Motor Transport and Urban Ground Electric Transport.”

The Metro is not required to insure the carrier's liability, but in the event of any harm to passengers, it will also have to pay the full amount of compensation from its own funds.

The only thing passengers need to know: Only injuries received in a subway car will be considered insurable.. In other cases, compensation can be obtained only after proof of the metro’s guilt in the incident.

60 insurance companies will operate in the compulsory insurance market for public transport passengers.

There is no need to buy an insurance policy when traveling on public transport, since it is already included in the ticket price.

For the absence of an insurance contract for the carrier's liability to passengers, the transport company is punished with a fine in the amount of 500 thousand - 1 million rubles, and officials - 40-50 thousand rubles.

How much is a public transport passenger insured for?

Each type of transport has different insurance rates per passenger. In maritime transport it is the highest and amounts to 22.48–45.25 rubles, the lowest tariff on commuter trains is 0.07–0.15 rubles.

The insurance company is obliged to pay compensation to the victim or his relatives in case of injury or death if it occurs while traveling on public transport. At the same time, the amounts of compensation for damage are really large.

For example:

for a simple bruise you can get 200 rubles;
for a broken leg – 240 thousand;
for a concussion – 60 thousand;
for pregnancy loss – 1 million.

Passenger death estimated at 2 million and is paid to the relatives of the deceased. The same amount will be paid to people who received group I disability as a result of an accident, and to the parents of children who thus became disabled.

In addition, the insurance company is obliged to compensate for damage caused to the property of passengers.

How to confirm the fact of traveling in a vehicle involved in an accident?

The main document in the event of an accident and injury is regular passenger ticket, and it is advisable to save it until the very end of the trip.

The ticket has a unique set of numbers, so you can use it to find out all the information about the transport organization.

If there is no ticket, the insurance company may use video surveillance data as supporting evidence.

In any case, she is obliged to pay, but only after a thorough check of the accident.

Where to go if you get injured?

In case of an accident, passengers can contact the driver first, who is obliged to call an ambulance and the traffic police. In addition, he must provide a certificate of harm to life and health and provide information about the insurance company that pays for the treatment.

You can apply for monetary compensation at any time, as there are no time limits.

To receive payment you must write an application to the insurance company and provide it with a medical certificate, which indicates the exact diagnosis and records the presence of injuries and other damage.