آیا قطار مشهد-یزد بیمه بوده است؟
حادثه خروج قطار مشهد-یزد از ریل 21 کشته و 86 مصدوم به جای گذاشت . این حادثه چهارشنبه 18 خرداد اتفاق افتاد. این حادثه به چه شکل از جانب بیمه جبران خسارت می شود؟
21 کشته و 86 مصدوم به دلیل خروج قطار مشهد-یزد از ریل، این حادثه چهارشنبه 18 خرداد اتفاق افتاد. علت اصلی وقوع این حادثه هنوز در حال به روز رسانی است اما در این میان نحوه جبران خسارت اذهان عمومی مخصوصا حادثه دیدگان این حادثه را به خود مشغول کرده است.
از آنجایی که طبق قانون مصوب همه وسائط نقلیه می بایست بیمه شخص ثالث داشته باشند و همچنین به موجب قانون بیمه اجباری خسارت واردشده به شخص ثالث در اثر حوادث ناشی از وسایل نقلیه ، مصوب سال 1395 ،دیه فوت شدگان حوادث ریلی ، بدون نیاز به رای مراجع قضایی تعیین خواهد شد.
حتی پیش از تصویب این قانون توسط مجلس شورای اسلامی ، شرکت های ریلی ملزم به تحت پوشش قرار گرفتن بیمه ای جهت ریسک های ناشی از حوادث ریلی بوده اند. و بخشی از هزینه بلیت مسافران نیز بابت حق بیمه حوادث احتمالی در نظر گرفته می شود. و با این بیمه همه مسافران از ابتدای ورود به قطار تا انتهای سفر و خروج از قطار تحت پوشش قرار می گیرند.
در مواردی مانند حادثه ناگوار قطار مشهد-یزد پوشش های بیمه ای از ابتدا برقرار شده و تعارضی با تحقیقات جهت یافتن مقصران اصلی حادثه ندارد.
برقراری بیمه های انفرادی حادثه دیدگان
اجباری بودن بیمه مسافران قطار منافاتی با بیمه های انفرادی حادثه دیدگان نداشته و می توانند از همه بیمه هایی که مسافران تحت پوشش قرارگرفته اند استفاده کنند.
چون به صورت مشخص هر کدام از مسافران می تواند تحت پوشش بیمه اجتماعی ، بیمه تکمیلی یا حتی عمر و زندگی قرار گرفته باشند. در این صورت زیان های ناشی از این گونه حوادث می تواند تحت پوشش این بیمه ها نیز قرار بگیرد.
223 دیدگاهها
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