Mandatory personal insurance for passengers (tourists, excursionists). Law “On Compulsory Personal Insurance of Passengers” Compulsory personal insurance of passengers, tourists, excursionists

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. To 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 this type of compulsory insurance. 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.

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

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.

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 insurance of the carrier's liability to the aircraft passenger.

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”

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Passenger insurance in the Russian Federation is carried out in the form of compulsory carrier liability insurance. When concluding an agreement on passenger insurance, the carrier shifts responsibility for harm to the passenger to the insurance company.

About motor vehicle insurance is written in

1. The document regulating the insurance of passengers on public transport,

is the federal law of June 14, 2012 No. 67-FZ “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.”

2. This federal law establishes the conditions for compulsory insurance when transporting passengers by any type of transport, with the exception of transporting passengers by subway and passenger taxis.

Types of transportation for which compulsory passenger insurance is provided:

— bus transportation, including intracity, suburban, intercity and international transportation.

- transportation by urban electric transport - trolleybuses and trams.

— transportation by rail, air and sea transport, inland water transport.

3. According to this law, the carrier is a legal entity or individual entrepreneur,

which are registered on the territory of the Russian Federation and, in accordance with the legislation of the Russian Federation, carry out transportation of passengers, including under a charter agreement (regardless of the circumstance of whether they are carriers under a transportation agreement or actually carry out transportation).

4. According to this law, a passenger is

a person recognized as a passenger by transport charters, codes, and other federal laws, as well as a child transported free of charge or at a reduced rate with or without the provision of a separate seat in the vehicle.

Injured passenger- a passenger whose life, health, or property was damaged during transportation.

Beneficiary according to this law - the victim or, in the event of his death, persons entitled, in accordance with civil law, to compensation for damage as a result of the death of the victim (breadwinner), in the absence of such persons - the spouse, parents, adoptive parents, children of the deceased, persons with whom the victim was dependent, and in relation to compensation for the necessary expenses for the burial of the victim - the persons who actually incurred such expenses.

5. Law No. 67 - Federal Law prohibits the carriage of passengers by a carrier whose civil liability for causing harm to the life, health and property of passengers is not insured.

5.1. According to Article 5 of Law No. 67:

a) a carrier who has not fulfilled the obligation assigned to him by this law to insure his civil liability for damage to the life, health and property of passengers and carries out transportation in the absence of a compulsory insurance agreement, shall be liable for damage caused during transportation under the same conditions on which he should be paid insurance compensation with proper insurance.

Rostransnadzor monitors the implementation of the law by establishing whether the carrier has a compulsory insurance agreement.

b) an individual, individual entrepreneur or legal entity actually carrying out transportation of individuals by road transport equipped for the transportation of more than eight people (except for the case if these transportations are carried out by an individual for personal, family, household needs), in the absence of a compulsory insurance contract bear responsibility for damage caused during transportation under the same conditions under which insurance compensation must be paid with proper insurance.

Rostransnadzor monitors the implementation of the law by establishing whether the carrier has a compulsory insurance contract during inspections, including those carried out based on consumer requests and statements received by Rostransnadzor.

c) the carrier is obliged to provide passengers with information about the insurer with whom it has concluded a compulsory insurance contract (name, location, postal address, telephone number), and the compulsory insurance contract (number, date of conclusion, validity period) by posting this information in places , available to passengers, on the ticket and on its official website.

6. The following is the full article 8 of Law No. 67 - the terms of the compulsory insurance contract.

6.1. The object of insurance under a compulsory insurance contract is the property interests of the carrier associated with the risk of its civil liability for obligations arising from damage caused to the life, health, and property of passengers during transportation.

6.2. In the compulsory insurance contract, the insured amounts for each risk of civil liability must be indicated separately:

a) for the risk of civil liability for causing harm to the life of a passenger in the amount of not less than 2,025,000 (two million twenty-five thousand) rubles per passenger;

b) for the risk of civil liability for causing harm to the health of a passenger in the amount of not less than 2,000,000 (two million) rubles per passenger;

c) at the risk of civil liability for causing damage to a passenger’s property in the amount of no less than 23,000 (twenty-three thousand) rubles per passenger.

6.3. The insurance amounts are established for each insured event and cannot be changed during the period of validity of the compulsory insurance contract.

6.4. The validity period of the compulsory insurance contract cannot be less than one year. When transporting by inland water transport, the validity period of the compulsory insurance contract may be less than a year, but cannot be less than the navigation period.

6.5. A compulsory insurance contract cannot establish a deductible (part of the damage caused that is not compensated under the compulsory insurance contract) for the risks of the carrier's civil liability for causing harm to the life or health of passengers.

7. Insurance compensation under the passenger insurance contract (Articles 13, 14 and 15 of Law No. 67).

7.1. When an insured event occurs under a compulsory insurance contract, the insurer is obliged to pay the beneficiary (the definition of the beneficiary is given in paragraph 4 of this article) insurance compensation in the manner and on the terms established by Law No. 67, and the beneficiary has the right to demand payment of this insurance compensation from the insurer.

7.2. Upon the occurrence of an insured event, a beneficiary who wishes to exercise his right to receive insurance compensation must submit to the insurer a written application for payment of insurance compensation in the form established by the Bank of Russia, documents, an exhaustive list of which is determined by the Bank of Russia and which must contain, in particular, information about the victim , the nature and extent of damage to the health of the victim, and if the application is submitted by a beneficiary who is not a victim, information about such a beneficiary, as well as a document about the event that occurred in transport and its circumstances (date, place of occurrence, type of transport, name of the carrier, other information about the event ), drawn up in the manner and taking into account the requirements established by the federal executive body exercising the functions of developing state policy and legal regulation in the field of transport.

7.3. Below is a list of documents required to receive insurance compensation under the compulsory insurance agreement for the carrier's civil liability for damage to the life, health or property of passengers.

This list of documents was established by the Bank of Russia’s directive dated February 14, 2017 No. 4293 – U.

Full text of Bank instruction No. 4293 – U.

This Directive, based on Part 1 of Article 14 and Part 2 of Article 15 of the Federal Law of June 14, 2012 N 67 - Federal Law “On compulsory insurance of civil liability of a carrier for causing harm to the life, health, property of passengers” determines the list and procedure for the beneficiary to prepare documents for receiving insurance compensation, part of the insurance compensation (preliminary payment) under the contract of compulsory insurance of civil liability of the carrier for causing harm to the life, health or property of passengers.

To receive insurance compensation under a compulsory insurance contract, the beneficiary submits the following documents to the insurer:

7.3.1. A written application for payment of insurance compensation, drawn up in any form, containing details that allow the transfer of funds within the framework of the applicable forms of non-cash payments, if the payment of insurance compensation will be made by bank transfer.

7.3.2. Identification document of the beneficiary.

7.3.3. Documents confirming the authority and identification of the person who is the legal representative or representative of the beneficiary, acting on the basis of a power of attorney.

7.3.4. A document about the event that occurred in transport and its circumstances, drawn up in accordance with the rules for the carriage of passengers and baggage by the appropriate mode of transport, confirming the harm caused to the passenger, which is drawn up by the carrier or a person authorized by the carrier in relation to the victim or several victims (submitted in the case when the drawing up such a document is provided for by the rules for the carriage of passengers and baggage by the corresponding mode of transport).

7.3.5. In the absence of the document provided for in clause 7.3.4, one of the following documents:

- a certificate of a traffic accident in the form approved by Order of the Ministry of Internal Affairs of the Russian Federation dated April 1, 2011 No. 154 “On approval of the form of a certificate of a traffic accident”, a protocol and resolution in a case of an administrative offense or a ruling on the refusal to initiate a case of an administrative offense offense (in case of harm to the victim as a result of a traffic accident and in the case when the preparation of such documents is provided for by the legislation of the Russian Federation);

- a decision to initiate (refuse to initiate) or to suspend a criminal case or to recognize a victim, or a court decision that has entered into legal force (in the event of harm to the victim as a result of an event not related to a traffic accident, and in the case when the preparation of such documents provided for by the legislation of the Russian Federation).

7.3.6. If harm is caused to the life of the victim, in order to receive insurance compensation for funeral expenses, the beneficiary submits to the insurer the documents specified in clauses 7.3.1. – 7.3.5. this article, as well as the following documents:

- death certificate of the victim.

- documents confirming the amount of necessary expenses incurred for the burial of the victim.

7.3.7. When causing harm to the victim's life To receive insurance compensation in connection with the death of the victim, the beneficiary submits to the insurer the documents specified in paragraphs 7.3.1. – 7.3.5, death certificate of the victim, as well as one of the following documents confirming the right of the beneficiary in accordance with the civil legislation of the Russian Federation to compensation for damage in the event of the death of the breadwinner:

a) marriage certificate - when applying for insurance payment in respect of a spouse who was dependent on the victim (breadwinner) at the date of death;

b) birth certificate, adoption of a child (children), documents issued by the guardianship and trusteeship authority confirming the appointment of guardianship - when applying for insurance payment in respect of minor children of the victim (breadwinner), who were dependent on him at the date of death, or children those born after his death;

c) a certificate issued in accordance with the legislation of the Russian Federation in the field of social protection of disabled people, confirming the fact of the establishment of disability - when applying for insurance payment in respect of disabled people who were dependent on the victim (breadwinner) at the date of death;

d) a certificate from an organization carrying out educational activities confirming the fact of training in this organization - when applying for an insurance payment in relation to a student who was dependent on the victim (breadwinner) at the date of death;

e) the conclusion of a federal medical and social examination institution or a medical organization recognizing a person in need of outside care for health reasons - when applying for an insurance payment in relation to a person who at the time of the insured event was dependent on the victim (breadwinner) and in need of outside care;

f) a certificate from the body that assigns and pays a pension to a disabled citizen, a certificate from the employment service, a conclusion from a medical organization that one of the parents, spouse or other family member of the victim (breadwinner) does not work and is busy caring for his relatives - when applying for insurance payment in respect of non-working family members who were dependent on the victim (breadwinner) at the time of the insured event and who were caring for his relatives.

g) in the absence of persons entitled, in accordance with the civil legislation of the Russian Federation, to compensation for damage in connection with the death of the breadwinner, the spouse, parents, children of the deceased, citizens who depended on the victim, if he did not have independent income, submit documents to the insurer provided for in paragraph 7.3.7. of this article.

7.3.8. When causing harm to health the beneficiary submits to the insurer the documents specified in paragraphs 7.3.1. – 7.3.5. this article, as well as the following documents.

a) documents issued and executed in accordance with the procedure established by the legislation of the Russian Federation in the field of protecting the health of citizens, by the medical organization to which the victim was delivered or applied independently, regardless of its organizational and legal form, indicating the nature of the injuries and mutilations received by the victim , diagnosis and period of incapacity.

b) a medical examination report issued in accordance with the procedure established by the legislation of the Russian Federation in the field of protecting the health of citizens on the degree of loss of professional ability to work, and in the absence of professional ability to work - on the degree of loss of general ability to work (if any).

c) a certificate confirming the fact that the victim has been diagnosed with disability or the category “disabled child” (if any).

7.3.9. If the beneficiary intends to exercise the right to receive part of the insurance compensation (preliminary payment in the amount of 100 thousand rubles), the beneficiary submits to the insurer the documents specified in paragraphs 7.3.2 - 7.3.5 of this article, as well as the following documents:

a) a written application for payment of part of the insurance compensation (preliminary payment), drawn up in any form;

b) a document issued by a medical organization in accordance with the procedure established by the legislation of the Russian Federation in the field of protecting the health of citizens, containing preliminary information about the nature and extent of the injuries and injuries received by the victim, as well as signs of causing serious harm to the health of the victim in accordance with the established medical criteria for determining the degree of severity of harm caused to human health (if there is one of the qualifying signs of causing serious harm to the health of the victim);

c) a death certificate of the victim or a list of deceased victims provided by the carrier (in the case of the death of the victim), as well as one of the documents specified in clause 7.3.7 (in the case of the death of the victim).

7.3.10. When causing damage to property the beneficiary submits to the insurer the documents specified in paragraphs 7.3.1. – 7.3.5, as well as the following documents:

a) a baggage receipt containing information about the weight of the baggage, or a receipt for hand luggage (if available);

b) an inventory of the victim’s property (luggage and (or) hand luggage), damaged or lost during transportation, indicating the approximate value of the damaged or lost property, compiled by the victim in any form.

c) documents confirming the value of lost property (if available).

d) death certificate of the victim and certificate of the right to inheritance of the victim (in the event of the death of the victim).

From the author. According to paragraph 7.3.4 (document about the event that occurred in transport). In accordance with the order of the Ministry of Transport of Russia dated December 27, 2017 No. 540, in the event of damage to a passenger’s luggage in road transport, the document about the event is called a commercial act. Drawed up by the carrier or a person authorized by the carrier.

8. Passenger insurance on public transport provides for:

that passengers are not required to purchase an insurance policy. Its cost is included in the ticket price. The ticket must be kept until the end of the trip.

The definition of the amount of damage subject to compensation by the insurer is given in Article 16 of Law No. 67 and Decree of the Government of the Russian Federation of November 15, 2012 No. 1164.

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.

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).

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