Community
The Ministry of the Interior published regulations that establish which vehicles must have mandatory insurance.
In 49 percent of road mishaps, motorists were involved, according to PNC statistics.
The Ministry of the Interior (Mingob) published on Monday, March 17 in the Official Gazette four government agreements for the hiring of the Mandatory insurance for motorcycles, private vehicles, urban passenger transport and cargo vehicles.
The aforementioned portfolio grants a period of 45 days to enter into force the four government agreements.
The insurance referred to, the regulations have to cover all those injuries or deaths that produce the vehicles mentioned to third parties and occupants.
According to the regulations, the objective is to develop the obligation of every owner of the aforementioned vehicles to hire and keep civil liability insurance against third parties and occupants in force to compensate for deaths or injuries to people who suffer such a situation as a result of a transit act.
The Mingob through the Traffic Authority of the National Civil Police or the municipalities with competence by delegation for the administration of traffic, will ensure compliance with these.
The obligations and sanctions do not exempt from the administrative, civil and criminal responsibilities that the owner and driver of the vehicle can incur, as a consequence of the traffic acts in which they are involved.
The owners of the aforementioned automobiles have the obligation to hire and keep the insurance in force.
By death to third parties and occupants is compensation per person affected by 50 monthly minimum wages (about Q198 thousand).
The compensation unit that will be used is that of the minimum wage for non -agricultural activities (Q3 thousand 973.05).
To see more: Video: This was the brutal accident in which a motorist died in zone 5 of the capital
Compensation
Next, some of the compensation that insurance has to cover.
Motorcycles
- In the case of motorcycle regulations, it is for those identified with the “M” circulation plate
- Due to minor injuries, compensation will be between one and 15 minimum wages (about Q59 thousand)
Private vehicles
- The regulation applies to vehicles with the circulation plate P.
- In the case of serious injuries due to an accident, compensation will be between 35 or 50 minimum wages (between Q139 thousand and Q198 thousand).
Urban passenger transport
- Urban passenger transport with or without remuneration. For loss of one hand, one foot or its permanent disability, compensation will be 40 minimum wages (Q158 thousand).
Load transport
- Applies to the transport of load identified with the circulation plate with the letter “C”. This regulation applies to those that exceed the load capacity of three tons.
- In this case, due to total and permanent disability, compensation must be 50 minimum wages (Q198 thousand).
Fines for breaching
- The regulations explain what the fine for the owners or drivers who do not comply with the insurance will be.
- For motorists who do not comply with the obligation of insurance and that are subject to a transit act, the fine will be Q2 thousand, in the case of private vehicles the fine will be Q3 thousand 200.
- The owners and pilots of the urban passenger transport who do not comply with the obligation of the insurance and that are subject to a transit fact, the fine will be Q15 thousand, the same amount applies to the transport of loading that breaches.