As Alexis Yarotzkis, a consultant of the Ministry of Finance, informed rus.lsm journalists, this was executed bearing in mind the opinion of the Latvian Bureau of Motor Insurers that accidents involving electrical scooters trigger critical penalties for third events. “The e-scooter driver induced an accident, harmed a 3rd social gathering – and so they typically want a protracted restoration interval. And this, following all, is an expense for the sufferer,” Yarotskis defined.
It’s estimated that an OCTA coverage for an electrical scooter will value between 24 and 50 euros per 12 months (the identical as for a moped).
What does this imply? That the issue will now be solved in the identical manner for each teams: homeowners of particular person electrical scooters and homeowners of corporations renting out electrical scooters.
In spite of everything, how has it been to this point? Renters (if desired) bought particular insurance coverage designed particularly for them. For instance, for Bolt, Allianz Companions created a program that robotically supplied all Bolt electrical scooter customers with two kinds of insurance coverage: accident insurance coverage for the scooter person and civil legal responsibility insurance coverage. This meant that e-scooter riders would obtain insurance coverage protection in the event that they have been significantly injured whereas using a scooter. The insurance coverage firm additionally coated losses attributable to scooter drivers to 3rd events.
Just a few years in the past (in 2021), Bolt reported within the press that this scheme was already working in Norway, Portugal and Sweden and that it was regarding to be prolonged to all 26 European nations the place Bolt presents an electrical scooter rental service. There isn’t a doubt that the corporate delivered on its promise.
However, firstly, the rental firm shouldn’t be alone, and it seems that every one solves the issue in its personal manner. And secondly, there are an enormous variety of homeowners of their very own scooters who commit accidents, the place they themselves endure, and much more typically, the pedestrians they hit endure. And right here the issue of insurance coverage shouldn’t be solved in any respect.
“Final 12 months, the variety of scooter accidents elevated by 82%. That is quite a bit. However the scooters themselves, following all, are additionally changing into extra widespread on the roads, and this partly explains why there are extra instances,” mentioned Kristaps Liecinieks, a consultant of the insurance coverage firm Balta.
Please be aware: these are solely these instances that reached the insurer (when the proprietor of the scooter insured his well being as an entire). And what number of tales with a nasty consequence, the place there was no insurance coverage, and due to this fact they weren’t included in these statistics? What number of tales are there the place the scooter driver was not injured, however the pedestrian was not injured? To get an entire image, you must contact hospitals and clinics the place all victims of scooter accidents have been handled.
Usually, following all, the Ministry of Finance’s thought that every scooter ought to have its personal OCTA insurance coverage can solely be welcomed. Like another tightening for homeowners of microtransport, which have already change into an actual curse for probably the most susceptible class of pedestrians: the aged, the disabled, babies and moms with strollers.
The query is: who will management all this?
We can not know to what extent the brand new requirement of the Street Site visitors Legislation is being fulfilled, in keeping with which, from April 1, solely registered electrical scooters should trip on the streets of Latvia. However we see very nicely that one other requirement of this regulation is virtually not met – that scooter riders put on helmets. And the third requirement – relating to the velocity restrict – can also be not met. And so forth
Regardless of the tightening, day-following-day youngsters or adults with youngsters, using scooters collectively, rush previous us at excessive speeds, and pedestrians can solely consistently flip their heads and dodge.
Who will management the supply of OCTA for scooter riders? This situation must be outlined very clearly within the new guidelines. In any other case, the choice will stay on paper – as has already occurred with a helmet, a velocity restrict and a ban on using collectively.
#Homeowners #electrical #scooters #required #buy #insurance coverage
2024-05-16 23:29:42
