<Anchor>
Friendly Economy Today (21st) is also with reporter Kwon Ae-ri.
Reporter Kwon, there is also a saying that Kikrani because they don't know when and where they will pop out like an elk.
<Reporter>
Yes.
This is the story of a case where I get damaged by a kickboard.
I'm a pedestrian, but when I get hit by a passing kickboard, I'll be paid first from my auto insurance and my insurance.
At this time, there is no insurance that individuals riding on a kickboard can pay for as car insurance.
I ride a lot of shared kickboards these days.
Even those who haven't been on the ride will often see it on the street, but there are insurances that include these shared kickboard companies.
However, the insurance at this time is for the company to compensate the kickboard users themselves.
This is to compensate for problems that occur due to reasons such as a kickboard failure.
There may be a person injured when the user has an accident, but there is no specific compensation plan for this person.
In the future, when such a situation arises, the victim's car insurance will first be compensated.
The car insurance we use now basically includes uninsured auto accident coverage.
It is not a special contract, and it is basically included in general car insurance, excluding the minimum mandatory insurance, at an annual cost of about 5,000 won.
What is this, a vehicle without insurance, such as a farm machine, the perpetrator compensates for it, but if the perpetrator avoids or endures, the treatment costs are urgent. Give it, and later the insurance company takes care of getting the money from the perpetrator.
Uninsured vehicles that can be compensated in this way include kickboards in the future.
<Anchor>
It means that I receive this insurance first with my own car insurance, but what should I do with people who do not have car insurance, such as children or such?
<Reporter> It
is equally covered by car insurance with parents.
This is a guarantee that not only when the person who has auto insurance is the victim, but also my spouse, children, and parents are equally compensated.
However, I mentioned that this basic collateral is not included in the minimum insurance, compulsory insurance that car users must purchase.
In this case, it will be difficult to compensate.
But in fact, the possibility of an accident caused by a kickboard in the city center can happen more realistically than the agricultural machinery mentioned earlier.
The reality is ahead and the insurance policy is now followed.
And especially from December 10th this year, the law has changed so that the kickboard can be officially used as a bicycle path. If you are over 13 years old, you can legally drive a kickboard without a driver's license.
It is expected that the usage will increase significantly, but in line with this, the standard terms and conditions of auto insurance have been modified.
In the event of an accident, the victim who was walking can be surely covered by their car insurance from November 10th.
However, we believe that the damage that can be inflicted by electric kickboards is limited as in the case of bumping into a bicycle, and we have also specified a limit for compensation.
If the victim dies, you will receive a compensation of 150 million won, and 30 million won in case of serious injury.
<Anchor>
But listening to the story, it seems that the victim must first receive compensation from their own insurance, and from the victim's point of view, the insurance premium may rise again.
<Reporter>
Yes.
The financial authorities say it doesn't matter because the insurance company will later charge the perpetrator for the money anyway.
That's why the victim's insurance premium doesn't go up.
However, it is observed that there will be quite a few problems in the actual implementation process.
For example, some say that if adolescents underage get in an accident while riding a kickboard, in fact, it is difficult for insurance companies to get compensation later.Also, there are concerns that they can easily commit insurance scams that deliberately make up for the insurance money by accident.
Therefore, some say that it is necessary to review the kickboard itself as to whether it is a vehicle that users can ride without insurance, and whether it is necessary to make a separate insurance.
<Anchor> When
renting a rental car, if you request a separate insurance, you pay more and don't you have these?
I think I can think of such things as well, and it seems that various concerns are needed.