There is an unwritten law in the aviation sphere: «Aviation laws are written in blood». After each crash the laws and rules concerning the sphere are improved.
The crash of the airplane flying from Yerevan to Sochi will give the specialists another occasion to think if everything was done to maximally guarantee the security of the passengers.
But there is not a single aviation company in the world which will confess that it did not do everything possible for maximum security. It is noteworthy that if the aviation company is able to prove in court that they did everything possible, but it was impossible to prevent the crash, the company will be able to avoid making insurance payments. Nevertheless, nothing of the kind has ever happened. One of the reasons is that any judge is also a potential passenger.
Going back to the May 3 air crash, let us first speak about who suffered most, naturally leaving aside human casualties which are irreparable and immeasurable. It is noteworthy that the greatest financial loss is inflicted to the re-insurance companies. In this case these are British companies. The aviation company suffers the least as they will be compensated according to the rules of airplane insurance, although there is also a non-compensated sum: about 100 thousand USD.
Let us remind you that the airbus was bought in February 2004 by leasing, for 25 million USD. And as it was insured, the insurance companies must compensate the total sum of 25 million minus the above mentioned 100 thousand USD which is the loss of the aviation company. It should also be mentioned that the aviation company from time to time makes payments to the insurance companies.
By the way, the insurance sums for the lives of the passengers are paid again by the re-insurance companies. In this case, the 20 thousand USD to each family is paid to by “Grand” insurance company, but by the British organizations. This is why the company avoids speaking about specific sums and dates as it can be a long process.
According to the specialists of the field, first the investigation of the criminal case must be concluded, then the British specialists must examine all the documents in order to assess the case as an “insurance case”, after which they will make a decision about compensation. Only after that will the process of compensation start which in itself will be quite long, as there is not one re-insurance company but several.
«Financially this is not an insoluble question, but it is rather difficult to solve from the organizational and administrative points of view», said on of the specialists of the field who refused to introduce himself. «It has nothing to do with Armenia. The process lasts long in the whole world». Let us remind you that after the terrorist acts in New York the insurance companies announced that the process can last up to 20 years. As for the Armenian insurance companies, «Grand» in this case, it has to do the most thankful business: to get the money and to give it to people, forming positive image for the insurance field.
And still, the most important question is that why the sides try to insist on the weather factor. Perhaps it is done to avoid responsibility. If it turns out that the reason was not the weather but carelessness, it will be necessary to find out whose carelessness it was. If it turns out that the reason was technical malfunction of the plane, the re-insurance companies can raise the insurance tariffs as the aviation company was unable to provide necessary technical criteria b previous tariffs. In the worst case a criminal case can be initiated against the aviation company.
At present while the investigation process is under way and the weather factor is the main hypothesis, we can state that the loss of “Armavia” is mainly moral, plus the factor of damaged image with partial financial losses proceeding from them.
P.S. There are several cases when the insurance companies can refuse to pay. According to one of them the insurance company is not responsible for the crash if the plane was overloaded with luggage or with passengers. That’s why during the investigation process the insurance companies will probably be extremely careful.
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