- W 2019 r. na polskich drogach zginęło 2,8 tys. osób, a 35,2 tys. zostało rannych.
- Jeśli ubezpieczenie OC lub AC auta, którym jechali poszkodowani (kierowca i pasażerowie), było w momencie wypadku rozszerzone o polisę NNW, mogą oni otrzymać odszkodowanie.
- Warto pamiętać, że skorzystanie z NNW nie wyklucza odszkodowania z obowiązkowego ubezpieczenia OC sprawcy wypadku.
Każdego roku ginie w Polsce kilka tysięcy uczestników ruchu drogowego, a dziesiątki tysięcy zostaje rannych. Jak wynika z szacunkowych danych Komendy Głównej Policji, w 2019 r. było to odpowiednio 2,8 tys. i 35,2 tys. osób w nieco ponad 30 tys. wypadków.
Za śmierć lub trwały uszczerbek na zdrowiu doznany w wypadku drogowym można otrzymać odszkodowanie – rekompensatę z obowiązkowego OC sprawcy zdarzenia, ale także osobne świadczenie w ramach komunikacyjnego ubezpieczenia NNW, które jest dobrowolnym rozszerzeniem własnego OC lub AC.
– W przypadku tzw. szkód osobowych, do których zaliczają się utrata zdrowia czy śmierć w wypadku, świadczenia wypłacane przez ubezpieczycieli kumulują się. Często spotykamy się z taką sytuacją: poszkodowani otrzymują pieniądze z polisy OC sprawcy zdarzenia, ale równolegle ubiegają się o środki z ubezpieczenia na życie lub NNW. W ten sposób zapewniają sobie wypłaty z różnych źródeł – mówi Damian Andruszkiewicz, odpowiedzialny za ubezpieczenia komunikacyjne w Compensa TU SA Vienna Insurance Group.
Ochrona dla kierowcy i pasażerów
Pieniądze zostaną wypłacone, jeżeli właściciel samochodu, w którym znajdowali się w momencie wypadku poszkodowani (kierowca oraz pasażerowie), wykupił NNW przy zawieraniu obowiązkowego ubezpieczenia OC lub dobrowolnego AC. Ochrona zadziała w Polsce oraz w krajach należących do systemu Zielonej Karty[1], czyli przede wszystkim na całym obszarze Europy.
Polisa obejmuje związane z nieszczęśliwym wypadkiem:
- trwały uszczerbek na zdrowiu osób znajdujących się w aucie,
- śmierć kierowcy lub jego pasażerów (w takiej sytuacji świadczenie otrzymują ich bliscy),
- koszty leczenia.
Co ważne, ochroną objęte są nie tylko następstwa nieszczęśliwych wypadków powstałych w trakcie jazdy. Do zdarzenia może także dojść podczas wsiadania i wysiadania z pojazdu, przy jego załadunku lub rozładunku, w czasie postoju i naprawy na trasie podróży. Ubezpieczenie obejmuje też obrażenia powstałe w związku z upadkiem pojazdu, pożarem czy wybuchem, wynikającym z przyczyn wewnętrznych.
Jak wysokie może być odszkodowanie?
Każdy ubezpieczyciel we własnym zakresie ustala, jakie maksymalne świadczenie zaoferuje. Powszechnie na polskim rynku zawierane są polisy na sumy sięgające kilkudziesięciu tysięcy złotych.
– Na rynku można znaleźć bardzo różne oferty. Na przykład u nas suma ubezpieczenia może wynosić od 10 tys. do 100 tys. zł. Opcjonalnie, na wypadek śmierci kierującego pojazdem możną ją także pięciokrotnie zwiększyć oraz wkrótce będzie można rozszerzyć zakres ochrony o organizację i pokrycie kosztów leczenia i rehabilitacji To pokazuje, że podstawowy zakres NNW może zostać w niektórych przypadkach rozszerzony – mówi Damian Andruszkiewicz z Compensy.
Świadczenie o wartości pełnej sumy ubezpieczenia jest wypłacane, gdy kierowca lub pasażerowie doznali 100% trwałego uszczerbku na zdrowiu. Oprócz śmierci są to m.in. takie sytuacje jak całkowita utrata wzroku czy poważne uszkodzenie rdzenia kręgowego. W przypadku częściowego uszczerbku na zdrowiu wypłata odpowiada procentowi sumy ubezpieczenia, odpowiadającemu powypadkowym obrażeniom.
[1] Zasięg funkcjonowania systemu Zielonej Karty dostępny jest na tej stronie: https://www.pbuk.pl/system-zielonej-karty/mapa-systemu.
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