Changsha 122 road car accident one death and two injuries bus company said not to buy commercial insurance Shishuwunai

　　On June 2nd afternoon 5 when make, Changsha South Park 122 bus terminus, the bizarre accident: a car stopped at the station by bus 122, even in the absence of the driver's case, the car from the east to the West from the left sliding, hit a car from west to east electric cars, electric cars on a cause family of three in one death and two injuries. People familiar with the matter said may be the driver forgot to pull the handbrake, led to the tragedy.

"This accident, destroyed two homes!" See too horrible to look at the traffic accident scene, 35 year old bus driver Wang kept sigh.

Wang engaged in public transportation, for the thousands of people travel. 2000 to 2005, a wave of public transit system reform swept the country. After the reform, the public transportation task, more is given the implementation of private enterprises. At the time of the social economic environment, the private enterprise has the characteristics of abundant capital, flexible operation, a strong impetus to the development of public transportation.

But the passage of time, the price rising production capital, manpower cost continues to rise, all these factors, the private bus into a dilemma, because of economic reasons, the bus company is unable to take into account the insurance.

For the accident of 122 buses, relevant personage points out: the bus company and the responsibility of the driver, will face huge economic claims, and, because only buy insurance to pay strong, can only get 110000 yuan of insurance claims. (Law weekly news hotline: 0731-84802117) a traffic accident, destroying two originally happy family.

Reflections on the bus accident prone

"So badly!" , a reporter to interview, Nanjiao park area residents have issued a sigh. Witnesses say, when the electric vehicle ride in a family of three, a 30 year old man died, his wife and 6 year old son, fracture, the injured were taken to the hospital after. Relatives rushed to the scene, sat down on the ground and weep. The 35 year old driver Wang sees fell dejected, could not help tears quietly.

The bus driver said the Lao Wang, "may be the driver forgot to pull the handbrake, cause a car stopped continue to glide; according to the majority of the bus company internal regulations, the driver should bear the full liability. The car accident, can be said to be destroyed two homes."

Afterwards, Longxiang bus company office in charge of Mr. Xiong told reporters, after the incident, to bear the pain of the bereaved families angrily stormed into the bus companies, bus companies in the containment of the office door, the company was unable to operate.

After consultation by both parties, not included in advance for the medical expenses, the bus company to give the amount of compensation of the nearly 400000 yuan, the bus companies, is an enormous amount of loss.

Behind the bus accident, is a group of shocking data:

Around 9 a.m.on June 18, 2010, Yuhua West Road Nanjing city viaduct bridge, two bus 100 and bus 75 three car collision, crowded together, causing three car more than ten passengers were injured......

In June 20 night 10 pm, Gui Ailiang in Guangzhou Tianhe a construction worker, and his wife, father, go back to cross the road in Whampoa　 Avenue near B&Q, was unfortunately a car from west to East Road 43 bus have been knocked down. Gui Ailiang and his wife suffered minor injuries, father is in hospital after died.

June 21st night at nine thirty am, trucks and a bus in Shanghai city of collision. (Law weekly news hotline: 0731-84802117) the bus right in front of the passenger Zheng Mou to die on the spot, the other 3 people including the driver seriously injured. Another 16 people were hospitalized, 12 people to stay in hospital for observation.

In June 21st, Urumqi 23 road public transit vehicle to Nanhu Telecom sections, a left rear tire inner tube, causing floor fracture, debris will be 7 passengers injured, including 1 passengers was injured in the leg.

In recent years, frequent domestic bus accidents, the most serious accident when the number of Chengdu Bus spontaneous combustion event :2009 year June 5th at eight two in the morning, Chengdu City bus company a brand full as plain A49567, passenger bus 9 road in the occurrence of spontaneous, killing 28 people. According to media reports, after the accident, to appease the staff put forward to the families of the victims of the highest standard of compensation is 420000 yuan, compensation for 9 bus belongs to the Chengdu Public Transport Group North Star Bus Co. ltd.. This huge amount of compensation is a astronomical figures to the bus company.

   The insurance company

Traffic accidents occur frequently, how to bear the loss?

The evening of June 19th, a driver in Changsha City Bus 901 is expressed dissatisfaction, "accident who bear the responsibility for compensation? It is not our driver! The company only to buy insurance to pay strong, most can only pay 110000 yuan, the rest of the drivers have to bear."

With another driver of the 901 bus is a bus company told reporters: under normal circumstances, will only buy insurance for the vehicle. Moreover, the company he formed a set -- loss for bus drivers, inThe insurance companyAfter paying compensation, all the rest of the drivers I bear.

At the same time, according to theThe insurance companyThe provisions of the first year, the insured vehicle is not out of police vehicles, can enjoy a certain amount of insurance discount; so in order to save second years of compulsory insurance premium, bus companies often made strict provisions: if the accident report occurred during the operation period of the insurance company shall be safe, "a fine of 500 yuan".

A "unspoken rule" and formed in the driver population: in less than 1000 yuan bus accident claims, bus drivers often prefer to pay out of pocket silence. In Pharaoh, this account is not difficult to calculate: offer insurance deductible certain, and reported to the insurance must first reported that traffic police division of responsibilities, this a series of procedures, the loss of not less than 1000 yuan, but also delay the many hours of operation.

WhileThe insurance companyOr clear or mild rejection happens: the most typical for 2000, Wuhan majorThe insurance companyExclusive bus insurance. The reason is simple -- the bus insurance business volume is great, but it is a loss of the sale. Chinese peopleThe insurance companyHubei branch said, in addition to accept the "constant" company bus policy, no longer for Wuhan city bus or other.

In contrast to this is: in June 5, 2009 Chengdu Bus burning incident, people are surprised to find that, "released person bus car accident injury insurance" for 9 years, should never buy. Chinese life (601628) Hunan branch group insurance department responsible person told the "law weekly" reporter, this kind of insurance has been stopped in Hunan.

A bus driver complained

On the one hand, due to frequent accidents loss rate is too high, resulting in propertyThe insurance companyOn the bus the negative attitude; on the other hand, because of the number of less cost, lifeThe insurance companyThe bus line is idle to development.

SeveralThe insurance companySaid, there is no special "bus passenger accident insurance insurance", mainly because of the high cost. (Law weekly news hotline: 0731-84802117) of course, the public does not enthusiasm is also the main reason. It is understood, Xinhua Life Insurance Company Jiangsu branch launched the accident bus 5 yuan first half of the year, accident compensation 10000 yuan, accidental injury medical compensation 1000 yuan, when to recharge IC card can be purchased, but less than 70% of people buy.

The bus accident loss rate is too high, a bus driver of Changsha City, old Zhao Qin (a pseudonym) said, he was despised those prone to malicious traffic violation bus driver, "the bus driver basically on the operational lines is very familiar with, for example, a junction while with red and green lights, but not for camera, some drivers put fluky psychology, often red in order to save time, inevitably lead to a number of traffic accidents."

Zhao Qin thinks, but malicious traffic violation bus driver is minority after all, more is the objective cause leading to the accident, the common shortage in public transportation industry is: the long time driving fatigue, no limit to the bus overloading, aging equipment coupled with public transport vehicles.

According to the traffic department statistics, traffic accidents and fatigue driving more than 60%, which caused by fatigue driving traffic accidents accounted for about 20% of the total, accounting for more than 40% of serious traffic accident.

Zhao Qin said, the contrast is: a bus driver from the originating station to the terminal, take a few minutes to sign a form, then hastily drove from the end off back to the originating station, and so forth.

We dare not sick, afraid to leave, more than 10 hours per day, even at the most up to 15 hours. In order to grab a few passengers, to make some extra money, bus drivers in the high work load, but also to nervous tension driving too fast. Therefore, the dangerous overtaking and the phenomenon such as red is not difficult to understand.

Another "safe killer" bus is overloaded, the driver Zhao Qin quipped, "we are legal to overload, overload." As everyone knows, in the holidays and commuter passenger flow peak, the bus is often as impenetrable. However, administrative departments at the same time in the thorough investigation of ordinary vehicles overload, the overloaded bus had long been no argument.

   There are few bus companies take the initiative to buy commercial insurance

In June 22nd, a property in Hunan ProvinceThe insurance companyGroup insurance department responsible person, complain that the bus driver was confirmed: in addition to some administrative departments must buy the carrier's liability insurance, there are few bus companies take the initiative to buy the carrier's liability insurance and the staff car insurance, not to talk about the other commercial insurance. The responsible person said, and these two categories, it is in the bus after the accident occurred, can well compensate passengers property insurance.

The reporter's question, in June 23rd, Hunan Longxiang bus company office in charge of Mr. Xiong feel very grievance: the administrative department of price limits is behind the operation cost of the company, the try for a substantial, which greatly hollowed out the company's economic strength. The bus company's all economic sources, is collected from the hands of passengers 1 yuan fare, 5 years almost immutable and frozen.

For the 122 bus accident, the staff of public utilities administration of Changsha City view is: the bus company, the driver and the victim by negotiation or through legal means, at present there is no pay a pension.

Mr. Xiong said, behind the 1 yuan fare administrative constraints, the bus company as a business, have to pay for public welfare undertakings: the elderly, disabled soldiers free of charge free of charge...... The company is willing to these special populations, especially for countries and people with free services, and even the three to five requirements for the implementation of the relevant departments of the preferential policy. (Law weekly news hotline: 0731-84802117) but, in the current management system, some drivers to personal interests, left the guest have occurred from time to time.

"The driver and passenger complained of a lack of buying more commercial insurance, the bus company is also very helpless, really too busy." Xiong said, the bus company to the old vehicle replacement, there is a huge management team to support, coupled with rising oil prices, loss including lubricants, car accessories.

Years of transmigration to the public?

The bus company financial management difficulties, unable to take into account more commercial insurance; propertyThe insurance companyBecause the bus accidents, compensation rate is too high, the public transit vehicle insurance a negative attitude; passengers of the insured not enthusiasm, make lifeThe insurance companyIt is difficult to obtain profits, failure to develop public transportation insurance......

These contradictions, make the public transit risk is difficult to be controlled, in case of traffic accident is caused by the victim and the bus driver family suffered a serious blow, but the profit space was severely squeezed the bus company, is also difficult to bear the losses of accident. Mr. Xiong think, bus as a public welfare undertakings, should be led by the government, investment and integration, the public property.

The attribute of public transportation, Renmin University of China sociology professor Zhou Xiaozheng points out, the city public transportation is the main carrier of city traffic, but also the government for the residents to provide services to the public, the public welfare is the first attribute, must reflect the economic, safe, convenient, comfortable, can not be blind to the market. Government subsidies to bus companies, people enjoy a good bus service, as they are taxpayers should enjoy welfare, therefore to government subsidies of public transportation is the development of public transport, improve the reasonable measures to public transport efficiency and service level, must adhere to the public nature of public.

In July 1, 2008, Hunan Changning City (county-level city) in the country launched the first city free public bus. At present, the free Changning City bus has run two years. Recently, the relevant departments "Changning two years of examination of" achievement: the existing three free bus routes, 46 buses, the average daily passenger flow of more than 9 people, total passenger about 33000000 person time, travel costs about 33000000 yuan for the citizens to save; at the same time, free bus operation of a year into Benda about 6000000 yuan, all by the fiscal expenditure.

Similarly, capital transport the heavy pressure of Beijing, in the years of reincarnation in return to public welfare, issued to the public feeling: Beijing bus really surname "fair". In January 1, 2007, Beijing city will be unified urban bus general ticket fare, passengers holding by ordinary card at 0.4 yuan each, student card each time by 0.2 yuan.

For more of the city public transportation development, people in the industry, before the financial inability to bear in full operation cost, whether the first local solutions to the most intense contradictions -- for example, by the government to bear all the transportation vehicle insurance costs.