<Anchor> This is a
friendly economic time. Today (28th) I will be with reporter Han Ji-yeon. Now, from next year, you say that there are a lot of things that will change in car insurance? Please explain.
<Reporter>
Yes, there are a few things that are very close to each other in life, but one thing that needs to be pointed out is how to save and earn money.
First of all, it is a place you pass several times a day while driving. This is the school zone. The speed limit is usually 30 km/h in ski zones, so child sanctuaries. If you exceed this limit, premiums will be added.
You already know that there are other things like demerit points, fines, and fines, which are twice as high as when you violated them elsewhere. A 5% premium is added for one violation, and a 10% premium for two or more violations.
If you are speeding in a school zone from next week, this record will be applied from the car insurance that started in September of this year.
Also, you have to be careful at crosswalks. Pedestrians did not stop while crossing the crosswalk. If you violate this 2 or 3 times, you will receive a 5% surcharge, and if you do it more than 4 times, you will receive a 10% surcharge.
<Anchor>
And why are there accidents with falling objects suddenly falling from the road? It was difficult to get compensation from the insurance company even with car insurance.
<Reporter>
It's called a knife on the road. Accidents with falling objects on the road are constantly occurring. First, if you look at the screen, in May, such a large 13-ton steel coil fell from a truck and hit the vehicle.
Also, other cars step on something like an iron skewer on the floor, and it bounces off and flies back to the car behind. In addition, there have been accidents where an unknown object suddenly broke through the windshield and suffered serious injuries.
Over the past 4 years, the number of accidents on the highway has increased by an average of 5.6% per year. It was not easy to find the perpetrator, so there were many cases where the victim had to bear the losses.
However, this year, as the related amendment bill was passed, the government decided to compensate for it from next year. There are cases where you may not be able to receive compensation from the insurance company because it is a government-insured project.
For example, if you are involved in a hit-and-run accident, an uninsured vehicle, or a stolen vehicle, the owner of the vehicle is not entitled to compensation.
To help these victims, from next year, when driving a car, an object falling from an unknown vehicle will be included in the case of death or injury.
<Anchor>
A reporter Finally, when you buy car insurance, isn't there a condition called special education for couples at a low price?
Are there any changes related to this?
(First, did Anchor put it in as a special contract for car insurance couples?) I put it in as a special contract.
(Are you accident-free?) I have my own car, so it seems to have been accident-free for about two years.
<Reporter>
This is exactly the case, but until now, only the anchor for 2 years of accident-free experience has been recognized, and my wife has not been recognized for the 2 years of accident-free experience.
If this happens, your spouse's accident-free experience will not be recognized when new or separate car insurance is purchased.
However, we got insurance like the car we drive together, and we kept it accident-free together, but there were a lot of people who said why didn't they treat me with the same experience?
When a spouse who received insurance under a special contract purchases separate auto insurance for the first time, the accident-free period of up to 3 years is equally recognized.
What would be good about this in the future? I've done some research on the insurance industry, but it's not confirmed yet, but if the accident-free period is recognized, they say that they will give you a discount of up to 20% on the first premium of your new car insurance.
On the other hand, if there is an accident when signing up for a special contract for married couples, you can receive a premium as well.