Airlines are generally considered safe, but accidents, however rare, can happen both in the air and on the ground. A recent legal case involving JetBlue is bringing attention to the question of where federal aviation regulations end and state laws begin, specifically concerning passenger injuries. While the legal details are complex, what's clear is that travelers should be proactive in protecting themselves.
Understanding Your Risks & Rights
While airlines have a responsibility to ensure passenger safety, incidents can still occur during boarding, deplaning, or even in-flight turbulence. It's crucial to be aware of your rights as a passenger. Familiarize yourself with the airline's conditions of carriage, which outline their responsibilities and limitations of liability. Knowing this information beforehand can be invaluable if you experience an injury or other incident.
Credit Card Travel Insurance: Your Safety Net
Many travel rewards credit cards offer travel insurance as a perk. These policies can provide coverage for things like trip cancellation, lost luggage, and, importantly, accidental death and dismemberment (AD&D). AD&D coverage can provide financial assistance in the event of a serious injury sustained while traveling. Check the specific terms and conditions of your credit card's travel insurance policy to understand the coverage limits and exclusions. For example, the Chase Sapphire Reserve offers up to $1,000,000 in AD&D coverage when you pay for your common carrier transportation (flights, trains, etc.) with your card.
Maximize Rewards on Travel Insurance
Speaking of the Chase Sapphire Reserve, paying for travel insurance policies (separate from credit card perks) can also earn you valuable rewards. Many insurance companies accept credit card payments. By using a card that earns bonus rewards on travel or general purchases, you can effectively earn points or miles on your insurance premiums. Consider using a card like the Capital One Venture X Rewards Credit Card, which earns 2x miles on all purchases, or the American Express Platinum card, which earns 5x points on flights booked directly with airlines or through American Express Travel (though travel insurance might not code as a flight purchase).
Document Everything & Act Quickly
If you're injured while traveling, document everything. Take photos of the scene, obtain contact information from witnesses, and file an incident report with the airline immediately. Seek medical attention as needed and keep all medical records. Promptly contact your credit card's insurance provider to file a claim. Many policies have strict deadlines for reporting incidents, so don't delay. Failure to act quickly could jeopardize your claim.
Beyond Insurance: Legal Recourse
While credit card travel insurance can help cover some expenses, it may not fully compensate you for your injuries or losses. Depending on the circumstances, you may have grounds to pursue legal action against the airline or other responsible parties. Consult with an attorney specializing in aviation law to explore your options.
Takeaway: Don't leave your safety to chance. Understand your rights, utilize your credit card's travel insurance benefits, and document everything if an incident occurs. Proactive preparation can provide financial protection and peace of mind on your next trip. Review your credit card's travel insurance policy today to ensure you understand the coverage it provides.