The issue of plane crash is becoming a global concern since recent crashes across the world, and what that means is that passengers would have to become more careful for their safety and protection of their families against the unknown.
So, the common practice of flying aircraft both locally and internationally without being manifested or on another person’s ticket or as guest to owners of private jets would mean you are not only endangering your life, but also you have denied your family and dependents what they could receive as insurance compensation in the event of crash.
Sunny Adeda, an insurance aviation expert and managing director, Alpha Choice Insurance Brokers, said these are some of the reasons some passengers lose their claims when there is plane crash.
Domestic flights in Nigeria pay passenger liability for death a whopping sum of $100,000 and international flights pay $75,000.
Adeda said passenger and passenger baggage legal liability insurance is the type of cover effected by an air operator or airline to protect itself against any sum or sums which they would be liable to pay in respect of any accidental bodily injury/death/loss of baggage to any person being a passenger and holding a ticket.
These liabilities apply when the person is entering into, is being carried in or is alighting from the aircraft. The insurer indemnifies the insured against all sums he is legally liable to pay whether according to international law or local legislation. Subject to a maximum limit of liability agreed at inception of the policy.
In the event of an accident or a crash, the passenger or relative should immediately notify the airline who in turn will inform the insurance company. Here the passenger manifest together with the nationalities of the passengers, specimen air ticket, passenger flight coupons, names of injured passengers, medical report in case of bodily injury/ hospitals where they are treated, copies of any correspondence with the next of kin or passenger legal representative, death/burial certificate, name and addresses of the next of kin and the passengers and submitted to the insurance company for processing of claims.
Flying on an international flight, passengers are advised to read the section relating to advice to international passengers on limitation of liability. A typical ticket will contain the following notice:
“Passengers on a journey involving an ultimate destination or a stop in a country other than the country of origin are advised that the provisions of a treaty known as the Warsaw Convention may be applicable to the entire journey including any portion entirely within the country of origin or destination.
“Liability for death of or personal injury to passengers is limited in most cases to proven damages not to exceed US$75,000 (inclusive of legal fees) per passenger and that this liability up to the limit shall not depend on negligence on the part of the carrier. Passenger are advised to read the notice of baggage liability limitations on their tickets.”
A typical section of the notice will be: “Liability for loss, delay or damage to baggage is limited unless a higher value is declared in advance and additional charges are paid.
For most international travel (including domestic portions of international journeys) the liability limit is approximately $20 per kilo for checked baggage and $400 per passenger for unchecked baggage.
“But for travels wholly between US points federal rules require any limit on an airlines baggage liability to be at least US$ 1250 per passenger excess valuation may not be included. Some carriers assume no liability for fragile, valuable or perishable.”
- Source: http://businessdayonline.com
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