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キャリーバッグの事故で怪我をさせた賠償責任は?保険は適用できるの?

大型連休の旅行や帰省の際に活躍するキャリーバッグ。

サラリーマンの出張でもよく使われています。スーツケースとも

いいますよね。

たくさんの荷物を入れられてガラガラと楽に運べるので重宝しますが、

その反面、キャリーバッグによる事故の報道もちらほら見るようになり

使用する側にとっては不安があります。

もし事故を起こしてしまったら…

賠償責任と賠償額、そして保険が適用されるのか。

皆さんの不安について書いていきます。




キャリーバッグ事故の賠償額

なんと、200万円を超える賠償額の判決が出された事例があります。

事故が起こったのは飛行場。加害者側はエスカレーターに乗っていて

自身の後ろに置いていたキャリーバッグから手と目を離して

しまいました。中身が重かったことからエスカレーターの上から

下に転がり落ち、下にいた二人の人を直撃しました。

二人とも骨折をし病院に運ばれて重症です。

入院期間が長引いたり、怪我をさせた相手が子供だったりすると、

さらに賠償額が上がるかもしれません。

キャリーバッグ事故が起きやすい場所と事例

当然ですが、事故は人が多い場所で起きます。

混雑している場所ほど、人は急いでいたり、注意力が散漫になっています。

国民生活センターに寄せられた事例をいくつかピックアップします。

【事例1】
・繁華街
・打撲
・繁華街を歩行中、隣を歩いていた人が引いていたキャリーバッグがぶつかり転倒

【事例2】
・駅
・全身打撲
・前を歩いていた男性が突然方向転換をしたため、男性の引いていたキャリーバッグに
激突し、頭から転倒し

【事例3】
・駅
・骨折(入院)
・新幹線を降りる際、前方の乗客のキャリーバッグに右足を取られて転倒。

【事例4】
・駅
・腰の打撲(入院)
・キャリーバッグの持ち手が取れてしまい、階段から落下。前にいた人にぶつかる。

キャリーバッグ事故を起こした責任

キャリーバッグの事故は、故意に起こしてしまうものではありません。

ですので、かなり悪質な事案でないと、刑事事件にはならないようです。

ただ、スマホを見ながらの不注意で事故、ということであれば、最近は

歩きスマホへの社会の目が厳しくなっていますので、もしかしたら…

ということもあります。

また、怪我をさせてしまった場合は、故意ではなくとも傷害罪は成立してしまいます。

民事上の責任はもちろん発生します。治療費はもちろんですが、

怪我をさせてしまった相手の立場により、慰謝料もかかってしまいます。

保険の適用について

クレジットカードに、個人賠償責任保険が自動で付帯されている場合があります。

ただ、プラチナクラスだったりと、かなりランクが上のカードにしか付いていません

月額数百円で付帯できるカードもありますので、カード会社に確認してみましょう。

保険会社が販売している保険に、キャリーバッグ事故の専用のものはありません。

火災保険などに付帯できる特約に「個人賠償責任危険補償特約」があります。

火災保険と聞くと、家に関する保険だと思いますが、

「個人賠償責任危険補償特約」を付帯することによって、

家に関係のない、日常生活の事故に対しても補償されます。

たとえば自転車事故や歩きスマホの事故などです。

もちろん、キャリーバッグの事故もです。

金額は年間1,000円程度ですので、契約している保険会社に問い合わせてみましょう。

キャリーバッグ事故を防ぐには

キャリーバッグは想像以上に長さがある、ということを認識する必要があります。

持ち手を伸ばしている状態では、傘より長いのです。

キャリーバッグをガラガラと引っ張って歩いている状態では、

足のつま先からキャリーバッグの後ろまでで160CMぐらいの

長さがあるのです。人の身長ですよね。

4輪のキャリーバッグは自分の横に置きながら歩くことができますが、

2輪の場合は引っ張るしかできませんので、一層の注意が必要です。

では4輪の方がいいのか? というとそうでもありません。

エスカレーターに置く際に手を放してしまうと、4輪だと頃がってしまいます。

キャリーバッグは凶器ということを認識するのが大事になってきます。

【まとめ】

・キャリーバッグ事故の賠償は200万円を超えることも

・キャリーバッグ事故は「繁華街」「駅」「空港」で要注意

・キャリーバッグ事故の責任は、故意ではなくとも傷害罪に

・保険はクレジットカードか火災保険に付帯できる

・キャリーバッグは凶器という認識を




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