In Russia, civil liability insurance for couriers using electric scooters and other self-mobility devices (SIM) is being discussed as a protection measure for citizens who may be harmed during delivery work. The idea is to compel delivery services to cover damages caused by couriers on electric scooters, ensuring accountability for injuries that may occur during the course of delivery. An expert in civil and international law notes that such coverage could form a framework similar to compulsory vehicle insurance, but would need to apply to the various transport options used by couriers rather than just cars.
The proposal envisions an insurance model that would be handled by an insurer, with the state playing a role in shaping the rules. The goal is to create a system where all delivery formats and organizational methods are considered, so that residents who suffer losses through no fault of their own are protected. The expert emphasizes that lawmakers should examine the full spectrum of delivery arrangements and determine the most effective way to shield the public from unintended harm while ensuring fair compensation for harmed parties.
Recent events in Moscow illustrate the stakes involved. A 22-year-old courier was detained after fleeing the scene following a collision with a pedestrian while riding an electric bike. The pedestrian sustained serious injuries and was taken to a hospital for treatment. The incident highlights the potential consequences of courier-related accidents and underscores the importance of clear responsibility and insurance coverage for the broader community.
Experts note that preventive measures should accompany any new insurance framework. Specifically, there is support for introducing mandatory safety education and training for couriers who operate electric scooters and other self-mobility devices. Establishing standardized driving courses could reduce the risk of accidents and improve how couriers handle complex urban traffic. These courses would cover not only the basics of vehicle operation but also safe navigation through crowded streets, awareness of pedestrians, and proper behavior in high-pressure delivery environments. Implementing such training would contribute to a higher level of accountability within the delivery sector and help protect the public from avoidable harm. By aligning training with insurance requirements, the system could also simplify claims processing and clarify responsibilities when incidents occur.
Overall, the conversation around civil liability for SIM couriers focuses on balancing the interests of delivery services, workers, insurers, and the public. A comprehensive insurance framework would need to recognize the diverse ways in which couriers operate, from single-person delivery models to larger coordination networks. It would also require careful consideration of how premiums are calculated, what is covered, and how claims are resolved in a timely and transparent manner. The objective is to create a sustainable structure that supports safe, reliable delivery service while ensuring that victims receive prompt and fair compensation when accidents happen. As more players enter the delivery market and the use of electric mobility expands, developing a robust, inclusive approach to civil liability remains a priority for policymakers and the public alike.