It may have become routine for you. You accompany the kids to the bus that takes them to school and then you go to the nearest station to catch the subway that will take you to work. Perhaps at some point, you have read on the ticket that the journey is covered by mandatory passenger insurance.
The usual thing is for the displacement to proceed normally, but what would happen if when you went out onto the platform, you slipped because there was water and you sprained your wrist? Who pays you for the days you have been sick?
For now, you have to know that the carrier is required by law to take out mandatory passenger insurance.
In this article, you can read, while you make the trip, all the information you need to make it more peaceful.
What is SOV, compulsory travel insurance?
It is accident insurance, the purpose of which is to compensate passengers when they suffer personal injury or injury while traveling on public transport.
When purchasing the ticket, you also contract the insurance that is included. You are insured when at the time of the accident you are provided with the title of transport, either paid or free.
It is convenient that you keep the ticket until the end of the trip in case you have to claim for an accident.
Who does the insurance cover?
The following are insured:
- Any person who at the time of the accident is provided with the title of transport, paid or free. When the transport ticket is issued without requiring the traveler’s identification, it will be presumed that the injured person will be provided with a ticket in all those cases in which the loss or destruction of the said ticket is likely due to the characteristics of the accident.
- Minor users are also protected who, according to the rules that regulate each means of transport, are exempt from paying tickets or passage.
- Also insured are the personnel dedicated by the transport company to the services required for the use or operation of the vehicle, as well as the personnel at the service of the Public Administrations who are, during the trip, in the exercise of their functions.
What public transport must include mandatory passenger insurance?
Passenger transports carried out in vehicles with a capacity equal to or greater than nine seats, which circulate on all kinds of urban and interurban roads and are public in nature, even if carried out by private means, need to have mandatory passenger insurance. Therefore, buses, tram, metro, or train are required to have an SOV.
The trolleybus, cable car, funiculars, ski lift, chair lifts, gondolas, or other means in which traction is done by cable and in which there is no fixed rolling path are also included, even if their capacity is less than 9 people.
What does the compulsory traveler insurance cover?
Accidents that travelers may suffer on all national and international trips, and that occur while using the means of transport are covered. Also included are those caused by going up and down or during the delivery and collection of luggage.
Insurance protects bodily injury and the consequences that result from it. The insured or beneficiary will be entitled to compensation when, as a consequence of a covered accident, the following occurs:
The death of the insured
The beneficiaries will have the right to receive a single compensation if the death occurs during the eighteen months following the date of the accident and whenever it is a direct consequence of it.
The amount of compensation in the event of death will be 36,060.73 dollars.
Bodily injuries that cause permanent impairment will be classified, according to the category to which they belong, within the fourteen included in the scale of compensation included in the law.
If they were not explicitly included, they will be equated with one of the categories, depending on the physiological deficit produced by the accident and as established by the criteria of the optional medical report.
Compensation for temporary disability is not governed by the healing time of the injury. They are valued by the degree of disqualification attributed to them on the scale included in the law. Thus, for example, you will charge the same amount for a femur fracture that takes 100 days to heal as if it does 250.
The compensations that may correspond to you range from 42,070.85 dollars in the first category to 1,202.02 dollars in the fourteenth.
The assistance guaranteed by the Compulsory Travel Insurance extends, as a maximum limit, up to seventy-two hours after the moment of the accident, in the case of injuries that do not require hospitalization of the insured or specialized outpatient treatment. It is extended up to ten days when the insured has it covered by other compulsory insurance, and up to ninety days in other cases.
What does Mandatory Travel Insurance not cover?
The mandatory passenger insurance does not cover property damage. This does not mean that if you suffer them you cannot claim them, but you will have to do it to the cause of the accident and to the margin of this insurance.
A sudden stop of the bus in which you travel causes you to hit yourself hard. From the blow, you have a sprained wrist, a bruise on your face, and your glasses have been broken. You can only claim from the SOV for bodily harm, the rest will have to be requested from the circulation or civil liability insurance of the deceased.
What should I do in case of an accident in public transport?
First of all, you must make sure that you have a valid ticket for the trip in your possession.
Once this is done, the next step is to notify the transport company, the personnel who provide service in the environment where it has occurred, or whoever is in charge of the station, administration, or installation. There are many means of transport that have a claim form that you can fill out immediately after the accident.
Next, you or your beneficiaries will have to prove the bodily harm suffered, providing the corresponding medical reports.
As with other insurances, in the event that the transport company does not have insurance, the Insurance Compensation Consortium will be responsible for the claim.
Is compensation for SOV incompatible with other insurance?
The Mandatory Travel Insurance, due to its nature and coverage, its indemnities are compatible with those of other mandatory insurance. The key is that it is accident insurance, where the risk covered is the person of the traveler. Therefore the right of the insured does not arise from the responsibility of the transport company for a faulty action.
This means that in the event of an accident, in addition to claiming compensation from the mandatory passenger insurance, you can also do so against the civil liability insurance of the cause of the accident.
The SOV provides for the right of travelers to be compensated for bodily harm suffered in an accident that takes place on the occasion of a trip in the means of transport and is granted to any traveler who at the time of the accident is provided with the transport certificate.
In summary, you have the right to be compensated “whenever the objective fact of the accident or damage occurs, regardless of the fault or negligence of the driver, employer, or employees, and even third parties, up to the limit and under the conditions established in the same ”, and provided that the damages do not derive from any of the exclusion causes provided.
Finally, after this, I hope it has become clear to you that mandatory travel insurance differs a lot from travel insurance.
It’s your turn. Tell us in the comments if you travel safely by answering this question.
Do you activate the insurance coverage by validating the ticket before starting the trip?