Bulgaria’s Ruling Party Proposes BGN 20,000 ‘Price of Life’ Insurance Ceiling

Екип на Биволъ

On November 1, at the end of the working day, a text was tabled at the registry of the National Assembly (Bulgarian Parliament), which sets the ceiling on the non-pecuniary damages that insurers pay to relatives after the death of family members in case of a road or other accident and casualty.

The author of the text, Menda Stoyanova, from the ruling Citizens for European Development of Bulgaria (GERB) party has assessed the damages at BGN 20,000 as a maximum of one-off damages for the spouses, children and parents of the deceased, BGN 15,000 for brothers and sisters and BGN 5,000 for other persons as an exception.

The changes are not accompanied with any motivation and come between two readings on the bill for amendments to the Insurance Code.

Up to now, the amount of non-pecuniary damages has been determined by the courts “in fairness”. Case law shows that the “cost of life” varies according to the courts. According to 2010 data from the specialized site Zastrahovatel.com (Insurer), these damages “usually amount to between BGN 25,000 and BGN 30,000. Amounts of BGN 50,000 are rarely awarded, and BGN 70-100,000 in damages are considered a precedent”.

In June 2018, the Supreme Administrative Court issued a rule which extended the group of persons to whom compensation for non-pecuniary damage is to be paid. As a result, in July and August, the insurers jointly raised the price of the Third Party Liability Insurance by about BGN 50 and put on the table the issue of a ceiling on damage payments of BGN 40,000. They threatened to drastically increase the Civil Liability policy to BGN 800 unless a ceiling on payments is introduced. The Association of Victims of Accidents voiced opposition to this as they believe that the “price of life” should not be set by law.

Obviously, the aim of the maneuver with the tacit introduction of an important legislative text is to amend the law without a public debate. It is also obvious that Menda Stoyanova’s proposal is more favorable to insurers, as the proposed “cost of life” is twice lower than their most optimistic expectations.

Here is the text of the proposed changes:

  • 65a. Art. 493a is introduced:

“Art. 493a. Determination of the amount of property and non-pecuniary damage resulting from bodily injury or death:

(1) In the case of bodily injury, the injured party shall be compensated for the material and non-material damages suffered by them;

(2) The Commission, the Ministry of Health and the Ministry of Labor and Social Policy shall adopt a joint regulation for the establishment of a methodology for determining the amount of compensation for material and non-pecuniary damages due to bodily harm to the injured person and for determination of property damages to the injured person as a result of the death of the injured person;

(3) In the event of the death of an injured party, any person hurt as a result of that death shall be entitled to a lump-sum compensation for the non- pecuniary damage suffered, which shall be a determined amount up to:

  1. BGN 20,000 per spouse or a person with whom the deceased was cohabiting at the time of the unlawful injury resulting in the death;
  2. BGN 20,000 per child, including an adopted child;
  3. BGN 20,000 per parent, including an adoptive parent;
  4. BGN 15,000 per brother or sister;
  5. BGN 5,000 to another person, as an exception, because of the emotional relations created with the deceased person at the time of the unlawful injury resulting in the death;

Photo Darik

 

***

If you find this article useful, support our work with a small donation.

Pay a Bivol Tax!

We will highly appreciate if you decide to support us with monthly donations keeping the option Monthly

You have chosen to donate 10.00€ monthly.

Select Payment Method
Log In to Your Account (optional)

Credit Card Info
This is a secure SSL encrypted payment.

Donation Total: 10.00€ Monthly

Извършвайки плащане Вие се съгласявате с Общите условия, които предварително сте прочели тук.

Please, read our Terms and conditions here.

Биволъ не записва и не съхранява номера на Вашата банкова карта. Плащанията се обработват през системата Stripe. Даренията за Биволъ с банкови карти се управляват от френската неправителствена организация Data for Reporters Journalists and Investigations - DRJI.

Bivol is not recording the number of your bank card. The card payments go through Stripe. Card donations for Bivol are managed by the French NGO Data for Reporters Journalists and Investigations - DRJI.

Select Payment Method
Log In to Your Account (optional)

Credit Card Info
This is a secure SSL encrypted payment.

Donation Total: 5.00€

Извършвайки плащане Вие се съгласявате с Общите условия, които предварително сте прочели тук.

Please, read our Terms and conditions here.

Биволъ не записва и не съхранява номера на Вашата банкова карта. Плащанията се обработват през системата Stripe. Даренията за Биволъ с банкови карти се управляват от френската неправителствена организация Data for Reporters Journalists and Investigations - DRJI.

Bivol is not recording the number of your bank card. The card payments go through Stripe. Card donations for Bivol are managed by the French NGO Data for Reporters Journalists and Investigations - DRJI.

IBAN: BG27 ESPY 4004 0065 0626 02
BIC: ESPYBGS1
Титуляр/Account Holder: Bivol EOOD

лв.
 
The current exchange rate is 1.00 EUR equals 0 BGN.
Select Payment Method
Log In to Your Account (optional)

Внимание: с този метод сумата ще е в лева, а не в евро. Можете да изпратите "Данъкъ Биволъ" електронно през Epay.bg или с банков превод. От територията на България можете също да изпратите пари в брой през EasyPay, или да направите превод през банкомат, поддържащ услугата B-Pay.    

Donation Total: 5,00 лв.

Извършвайки плащане Вие се съгласявате с Общите условия, които предварително сте прочели тук.

Биволъ не записва и не съхранява номера на Вашата банкова карта. Плащанията се обработват през системата Stripe. Даренията за Биволъ с банкови карти се управляват от френската неправителствена организация Data for Reporters Journalists and Investigations - DRJI.

SMS код BIVOL

За да подкрепите с малка сума нашите разследвания и автори, можете да изпратите SMS на кратък номер. Ще получите с обратен SMS линк към нашия архив.

  • Изпрати 1,2 лв. на номер 1851 с код BIVOL и получи достъп до Архивите на Биволъ
  • Изпрати 2,4 лв. на номер 1092 с код BIVOL и получи достъп до Архивите на Биволъ
  • Изпрати 4,8 лв. на номер 1094 с код BIVOL и получи достъп до Архивите на Биволъ
  • Изпрати 12 лв. с два смс-а на номер 1096 с код BIVOL и получи достъп до Архивите на Биволъ

Сумите са с включен ДДС. Моля, имайте предвид, че това е най-неефективният начин да подпомогнете Биволъ, тъй като комисионната на мобилните оператори достига 60%. Ако имате възможност, използвайте някой от другите методи на плащане.

Криптовалути

За да ни изпратите биткойни сканирайте QR кода или използвайте един от двата адреса: Standard: 1EY3iwkPXiby6XFsyCcVPGZPYCGPbPeVcb
Segwit: bc1ql28g7qnvdmenrzhhc7rtk0zk67gg4wd9x9jmmc

 

 

This post is also available in: Bulgarian

Вижте също / Read Also

%d bloggers like this: